Health Insurance in Lucknow

Lucknow is best known for its majestic monuments, rich culture, beautiful gardens, handicraft industry, Awadhi cuisine, poetry and music. Although the city has a well-established healthcare infrastructure, it can quickly burn a hole in your pockets and exhaust your savings. If you live in the City of Nawabs, read on to know why buying health insurance in Lucknow should be your priority.

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      Health Statistics on Lucknow

      Here are some health statistics of Lucknow:

      • Lucknow has the largest number of people with lifestyle diseases in India
      • One in every five adults in Lucknow is overweight or obese
      • Lucknow reported the highest cases of tuberculosis in UP
      • Every third person in Lucknow has hypertension

      Why Do You Need Health Insurance in Lucknow?

      Take a look at some of the reasons why you must buy health insurance in Lucknow:

      1. Incidence of Lifestyle Diseases

        The people of Lucknow are struggling with the rise in lifestyle diseases. As per the India Fit 2022 report, about 45.1% of people in Lucknow suffer from at least one lifestyle disease. What’s worse is that the treatment goes on for a long time and is extremely expensive. If you do not want to exhaust your savings while obtaining treatment for such diseases, buy a critical illness insurance policy in Lucknow.

      2. High Prevalence of Vector-borne Diseases

        Vector-borne diseases like dengue and chikungunya are highly prevalent in Lucknow. According to the official data, Lucknow reported one of the highest number of dengue cases in Uttar Pradesh in 2023. Moreover, more than half of the people hospitalized for dengue in Lucknow require dialysis or ventilator support. Naturally, they increase your treatment expenses and endanger your hard-earned savings. However, if you have health insurance for vector-borne diseases, your insurance company will pay for the treatment of these diseases.

      3. Rise in Medical Inflation

        Lucknow has excellent medical facilities, but they are becoming expensive by the day, thanks to medical inflation. Hospitalization for even a couple of days in a private hospital in Lucknow can cost you lakhs of rupees. But if you buy a mediclaim insurance policy, your insurer will take care of your hospital bills regardless of medical inflation.

      4. Obtain the Best Quality Treatment

        Not everyone can afford to obtain the best quality healthcare facilities in Lucknow. As a result, many people choose an alternative but affordable treatment to save money. However, buying the best health insurance plan in India can help you to obtain quality treatment when required.

      Major Health Problems in Lucknow

      Take a look at some of the major health problems in Lucknow:

      1. Diabetes

        Diabetes has a high prevalence in Lucknow. As per ICMR-INDIAB study reports, about 7.5% to 9.9% of people in Lucknow suffer from diabetes. The poor lifestyle of people in Lucknow coupled with the lack of physical activities are believed to be major reasons for the rise in diabetes cases in the city. Moreover, diabetes increases the risk of heart attacks by 2-3 times among people of Lucknow.

      2. Obesity

        Obesity has a high presence in Lucknow. According to the National Family Health Survey data, around 20.3% of people in Lucknow between 15-49 years are overweight or obese. Moreover, 28% of women in Lucknow are obese compared to 19% of men in the city.

      3. Hypertension

        Hypertension is highly prevalent in Lucknow city. As per the Great Indian BP Campaign data, at least 33% of the people in Lucknow suffer from hypertension. Irregular food habits, smoking, lack of exercise and sedentary lifestyles are believed to be the major reasons for hypertension among the people in the city.

      4. Tuberculosis

        Tuberculosis is one of the major causes of concern in Lucknow. According to the official data, 28,283 cases of tuberculosis were reported in Lucknow in 2023, which was the highest in the state. Medical authorities have been organizing Integrated Nikshya Day on the 15th of every month for TB screening and creating awareness.

      5. Dengue

        Dengue is a major menace in the city of Lucknow. As per the Uttar Pradesh health department data, about 2500 dengue cases were reported in Lucknow by November 2023. Experts blame sporadic rains and lack of fogging & anti-larvae activities in Lucknow for the rise in dengue cases.

      How Much Health Insurance Coverage Do You Need in Lucknow?

      Insurance experts advise people to opt for health insurance coverage of at least half of their annual income. However, if you live in Lucknow, the sum insured of your medical insurance policy should be sufficient to cover the treatment cost of all major illnesses in the city, such as cancer, diabetes, etc.

      Considering medical inflation in the city, all citizens of Lucknow must have a health insurance policy of at least Rs 5-10 lakh. Similarly, families in Lucknow looking to cover all their family members should opt for a family health insurance policy of Rs 20 lakh and above. For senior citizens, a senior citizen health insurance policy of Rs 15 lakh and above is recommended.

      Health Insurance in Lucknow for NRIs

      Non-resident Indians or NRIs from Lucknow can also buy health insurance from an Indian insurance company. This health insurance for NRIs policy can be used to pay for the medical bills incurred during their stay or visit to Lucknow. Moreover, the same policy can be continued to pay for medical expenses if the NRI eventually moves back to Lucknow.

      Besides, NRIs can also buy medical insurance for their parents residing in Lucknow. This health insurance for parents policy can be used to pay for your parent’s medical bills in Lucknow, even if they are in another country.

      Additionally, NRIs can claim a refund on the GST paid to health insurance companies as part of the premium while buying the policy.

      People also read: GST Refund on Health Insurance for NRIs

      Is Government Health Insurance Enough to Cover Medical Expenses in Lucknow?

      No.

      The Government of Uttar Pradesh launched the Mukhya Mantri Jan Arogya Abhiyan (MMJAA) in March 2019 to provide free medical treatment to families of registered workers of the unorganized sector in the state.

      However, the scheme does not provide adequate medical coverage to its beneficiaries in Lucknow. The following table will help you understand why the MMJAA scheme is not sufficient to cover all your medical expenses in Lucknow:

      Categories Mukhya Mantri Jan Arogya Abhiyan (MMJAA) Private Health Insurance
      Eligibility Registered workers of the unorganized sector and their families are eligible for the MMJAA scheme. The scheme has been extended to cover all ration cardholders, including the Antyodaya ration card. Everyone is eligible to buy a private health insurance plan.
      Scope of Coverage It covers the cost of secondary and tertiary care hospitalization at empanelled hospitals. It covers primary, secondary and tertiary care hospitalization at all hospitals in Lucknow.
      Sum Insured MMJAY offers a sum insured of Rs 5 lakh per person per year. Private health plans come with a sum insured of up to Rs 6 crore, depending on your age and medical history.
      Treatments Covered The scheme covers hospitalization expenses and surgeries along with pre-hospitalization and post-hospitalization expenses. It covers a variety of medical expenditures, including hospitalization costs, day care procedures, pre-hospitalization expenses, OPD treatment, surgeries, ambulance charges and post-hospitalization costs.

      Wellness and Prevention Tips in Lucknow

      Check out some wellness tips for people living in Lucknow:

      • Exercise for at least 40 minutes every morning in Lucknow.
      • Add fresh fruits, vegetables, whole grains and lean proteins to your diet.
      • Sleep for at least 7-9 hours daily to avoid sleep deprivation.
      • Practice yoga, meditation and deep breathing to manage stress levels in Lucknow.
      • Cover water-filled pots/tanks and clean coolers at least once a week in Lucknow.
      • Take a walk during lunch hour to keep your mind off work.
      • Limit the intake of processed food, saturated fats and salt.
      • Wear full-sleeved clothes to prevent a mosquito bite in Lucknow.
      • Drink at least 2-3 litres of water daily to remove all toxins from the body.
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