Jaipur is a popular tourist destination and a part of India’s Golden Triangle. It is best known for its magnificent forts, cultural heritage, pink architecture, various bazaars, mouth-watering food, and art. This Pink City also offers the best medical facilities in Rajasthan but at a hefty cost. If you do not wish to exhaust your savings paying medical bills, know why you must buy health insurance in Jaipur.
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Here are some of the reasons why buying health insurance in Jaipur is a good idea:
6,51,00,000 Families have Trusted Policybazaar India No. of Claims Settled 8 Lakh Claim Amount Settled 4,007 Crore Check claims in your city Jaipur No. of Claims Settled 9 K Claim Amount Settled 38 Crore Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Lifestyle diseases, such as cancer, obesity, hypertension, kidney disease, etc., have a high prevalence in Jaipur. Sedentary lifestyles, lack of physical activities and an increased consumption of junk food are majorly responsible for the rising number of lifestyle diseases in the city. Not only are such diseases life-threatening, but they are also expensive as the treatment goes on for a long time. The only way to afford treatment for such lifestyle diseases without losing your lifelong savings is by buying a critical illness insurance policy.
Air pollution has become a major cause of concern in Jaipur in recent years. As per the Central Pollution Control Board, Jaipur’s Air Quality Index (AQI) fell to 364 in November 2021, i.e. Very Poor category. Moreover, the PM2.5 level in the air increased to 355 on the same day. Long-term exposure to poor air quality can lead to respiratory problems, such as asthma, chronic obstructive pulmonary disease, etc., as well as stroke and diabetes. In such a situation, buying health insurance for asthma is prudent to stay financially prepared for any respiratory condition resulting from breathing poor-quality air.
The incidence of vector-borne diseases, including dengue and malaria, is extremely high in Jaipur. According to the city health department report, Jaipur reports the highest number of dengue cases in Rajasthan. While most people recover from dengue at home, others may require hospitalization if their condition worsens. Even a few days in the hospital can charge you a bill of lakhs of rupees, making a substantial dent in your finances. The best way to obtain the required treatment without exhausting your funds is by purchasing a dengue health insurance plan.
Healthcare facilities in Jaipur can be expensive for a lot of people. As a result, many people compromise on their treatment by getting an alternative but affordable one. However, getting the right treatment at the right time can be the difference between life and death. By buying the idle health insurance policy, you can access the best quality treatment for your illness without any compromises.
Take a look at the major health problems in Jaipur:
Cancer is highly prevalent in Jaipur. As per the National Cancer Registry Programme, 30-45% of all cancer cases in Jaipur are of head and neck cancer due to the high consumption of tobacco in the city. Moreover, breast cancer is the most common cancer among women in Jaipur.
Hypertension cases are growing rapidly in Jaipur. According to reports, high blood pressure is more common among men in Jaipur than women. Obesity along with increased consumption of junk food and salt are majorly responsible for high blood pressure among the people in the city.
Dengue is an annual menace in Jaipur. As per the city health department report, Jaipur reported 2,050 cases of dengue last year as of November 22, 2023. Breeding of mosquitoes in stagnant water, especially due to heavy rains, is responsible for high number of dengue cases in the city.
Obesity has become quite common in Jaipur. Not just adults but even children in Jaipur are increasingly getting diagnosed with obesity. According to a recent study, more than 7% of children in rural areas of Jaipur suffer from obesity.
Kidney disease is gaining prominence in Jaipur. As per reports, cases of chronic kidney disease (CKD) have increased 2-3 times among the young population of Jaipur, especially men. Bad food habits coupled with a sedentary lifestyle are the reasons behind the rising cases of chronic kidney disease in the city.
Avg. claim ₹3 L
₹5 Cr
146 Claims
Avg. claim ₹72 K
₹4 Cr
632 Claims
Avg. claim ₹1 L
₹3 Cr
278 Claims
Avg. claim ₹1 L
₹3 Cr
223 Claims
Avg. claim ₹82 K
₹2 Cr
317 Claims
Avg. claim ₹1 L
₹2 Cr
131 Claims
Avg. claim ₹65 K
₹2 Cr
379 Claims
Avg. claim ₹77 K
₹2 Cr
318 Claims
Avg. claim ₹58 K
₹1 Cr
254 Claims
Avg. claim ₹48 K
₹98 L
204 Claims
Avg. claim ₹1 L
₹86 L
55 Claims
Avg. claim ₹35 K
₹7 Cr
2 K Claims
Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Check out some of the health statistics of Jaipur:
Rukmani Birla Hospital A Unit Of The Calcutta Medical Resear ₹48 L Shalby Limited Jaipur ₹47 L Mahatma Gandhi Hospital Jaipur ₹44 L Nanavati Super Speciality Hospital ₹42 L SHALBY HOSPITAL ₹40 L Mahavir Jaipuria Rajasthan Hospital ₹36 L Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
As per insurance experts, everyone must have a health insurance plan of at least half of their annual income in India. However, as a resident of Jaipur, you should ensure that your mediclaim policy is sufficient to cover all your medical bills in the city, including the treatment cost of major illnesses like kidney disease, heart disease, cancer, etc.
Given the high cost of medical facilities in the city, you must purchase a health insurance policy of at least ₹5-10 lakh in Jaipur. If you want coverage for your entire family, a family health insurance policy of ₹20 lakh and above is recommended. Moreover, people above 60 years should opt for a senior citizen health insurance policy of at least ₹15 lakh.
0-25 Yrs
Total Claims: ₹55 Cr
Avg Claim: ₹55 K
26-35 Yrs
Total Claims: ₹722 Cr
Avg Claim: ₹57 K
36-45 Yrs
Total Claims: ₹1,023 Cr
Avg Claim: ₹75 K
46-60 Yrs
Total Claims: ₹1,154 Cr
Avg Claim: ₹1 L
61 & above
Total Claims: ₹1,051 Cr
Avg Claim: ₹1 L
Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
If you are an NRI arriving in Jaipur, you can also purchase health insurance to cover your medical bills in the Pink City. This health insurance for NRIs policy can provide coverage against hospitalization and other medical expenses incurred during your visit or stay in Jaipur. Moreover, you can continue with the same policy in case you decide to move back to Jaipur eventually.
Besides, you can also buy health insurance for parents living in Jaipur. By doing so, any medical expenses incurred by your parents in Jaipur will be covered by their insurance company, thereby providing the much-needed financial support on your behalf. Additionally, you can obtain a GST refund of 18% on your premiums if you buy the policy from health insurance companies in India.
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The Mukhyamantri Chiranjeevi Yojana, launched by the Government of Rajasthan in May 2021, offers free cashless medical treatment to all its beneficiaries in the state. In addition, other residents of Rajasthan can also avail the benefits of this scheme by paying a nominal premium of ₹850 per annum. Despite the availability of this government health scheme, it is not sufficient to cover all your medical expenses in Jaipur.
The following table showcases how the Mukhyamantri Chiranjeevi Yojana is not enough to cover healthcare expenses in Jaipur:
| Categories | Mukhyamantri Chiranjeevi Yojana | Private Health Insurance |
| Who is Eligible? | 1. All residents of Rajasthan 2. BPL families registered under SECC 2011 3. Jan Aadhaar and NFSA cardholders 4. EWS families 5. Small farmers 6. Families registered under Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana 7. Families registered under the COVID-19 ex gratia list Samvida workers from all department |
Anyone from Jaipur can buy a private health insurance plan. |
| What is the Sum Insured? | A sum insured of ₹25 lakh is available with an accidental cover of an additional ₹10 lakh. | A sum insured of up to ₹6 crore is available for you to choose from depending on your budget, age and type of plan. |
| How Many Procedures are Covered? | A total of 1798 listed diseases and medical procedures are covered, along with in-patient hospitalization expenses. | Private health insurance plans provide coverage for hospitalization expenses, surgical procedures, critical illnesses, OPD treatments, day care procedures, ambulance charges, modern treatments, etc., depending on the opted plan. |
| Is Pre-hospitalization and Post-hospitalization Expenses Covered? | The Mukhyamantri Chiranjeevi Yojana covers pre-hospitalization expenses of up to 5 days and post-hospitalization expenses of up to 15 days. | Most private health insurance policies cover pre-hospitalization expenses of up to 60 days and post-hospitalization expenses of up to 90 days. |
Given below are some health and wellness tips that you must follow in Jaipur:
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Read more*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
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