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Health Insurance in Madurai
Madurai, also known as the 'Athens of the East', is a major cultural and commercial hub in Tamil Nadu. The city offers a mix of traditional and modern amenities, making it a bustling centre for trade, education, and healthcare. However, like many growing cities, the medical costs are rising in Madurai, creating a concern for residents. To access quality medicare facilities without burning a hole in your pocket, you must purchase health insurance in Madurai.
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Why Do You Need Health Insurance in Madurai?
Below are the key reasons why you should buy health insurance in Madurai:
6,51,00,000 Families have Trusted Policybazaar India No. of Claims Settled 8 Lakh Claim Amount Settled 4,007 Crore Madurai No. of Claims Settled 832 Claim Amount Settled 3 Crore Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
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Prevalence of Lifestyle Diseases
Madurai is seeing a rapid increase in lifestyle diseases like high blood pressure, obesity, and diabetes. According to a study published in the Journal of Population Therapeutics and Clinical Pharmacology in June 2023, around 87% of Madurai adults have high blood pressure levels. The cost of managing these lifestyle diseases over a long period can be financially burdensome. However, with a critical illness insurance policy, you can easily afford the best quality treatment without exhausting your savings.
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Rise in Dengue Cases
Vector-borne diseases like dengue are on the rise in Madurai. The local health department reported 45 new dengue cases in a single day in January 2024. While most cases can be treated at home, severe ones may require hospitalisation or even ICU care, which can cost a substantial amount. A dengue health insurance policy can help you manage the treatment costs without worrying about the expensive medical bills.
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Surge in Viral Fever
Viral fever has become increasingly common in Madurai, affecting a significant portion of the population. According to official data, approximately 80-90 cases of viral fever were reported daily in Madurai in January 2024. Treating serious cases of viral fever can get expensive as you may require a week or 10 days of hospitalisation. As almost all health insurance plans cover viral fevers, it is recommended to buy one.
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Increasing Medical Costs
Healthcare costs in Madurai have risen significantly in recent years. For example, the average cost of an open heart surgery in Madura is around ₹1,60,000 - 3,00,000, depending on the hospital. For many Madurai residents, these expenses are unaffordable. If you want to stay prepared for any impact of medical inflation on your hospital bills, buying a mediclaim insurance policy with a sum insured between ₹5,00,000 - 10,00,000 is a great choice.
Major Health Problems in Madurai
Here are some of the considerable health problems in Madurai:
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Hypertension
The rise in hypertension cases in Madurai is a significant concern. According to the District Health Department report, around 2.51 lakh people in Madurai are suffering from hypertension as of June 2024, compared to 1.2 lakh in January 2024. In fact, the majority of those affected are in their 40s. Stress, poor dietary habits, and lack of physical activities among the people of Madurai are primarily responsible for this spike in high BP cases.
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Viral Fever
Viral fever has become a widespread issue in Madurai. Medical experts in the city highlighted that around 75-100 patients in Madurai visited the hospital daily with symptoms of viral fever in March 2023. The rapid spread of viral fever is due to close contact with infected individuals, particularly through droplets from coughing or sneezing.
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Obesity
Obesity is highly prevalent in Madurai city. As per the National Family Health Survey (NFHS) 5, the prevalence of obese women (aged 15-49 years) in Madurai increased from 35% in 2016 to 41% in 2020. This surge is largely due to the unhealthy lifestyle and lack of physical activities among Madurai residents.
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Diabetes
Diabetes has a high incidence in Madurai, particularly among women. The National Family Health Survey- 5 reveals that 21% of women aged 15-49 years in Madurai are diabetic. This high prevalence of diabetes among women is largely due to bad food habits, sedentary lifestyles and genetic factors.
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Anaemia
Anaemia is extremely common in Madurai. According to the NFHS-5, more than 1 lakh children under the age of five were found to be anaemic in 2020. The primary cause of this condition is the deficiency of iron, which is a crucial nutrient for growth and development in children.
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Dengue
Dengue is a constant menace in Madurai. As per the District Health Department data, 696 dengue cases were recorded in Madurai between October and December 2023, which is higher than the 371 cases recorded in 2022. Poor sanitation and stagnant water are the major culprits behind this large number of dengue cases in the city.
Claims Settled for Major Health Conditions in Madurai
Cancer & Blood
Avg. claim ₹4 L
₹79 L
16 Claims
Heart & BP
Avg. claim ₹1 L
₹52 L
27 Claims
Injuries & Accidents
Avg. claim ₹98 K
₹37 L
38 Claims
Infections & Fever
Avg. claim ₹65 K
₹28 L
43 Claims
Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Health Statistics of Madurai
Check out some of the recent health statistics of Madurai:
- Over 3.5 lakh women in Madurai are obese.
- Hypertension cases doubled in Madurai within 5 months in 2024
- Around 1.8 lakh Madurai women are suffering from diabetes.
- 54% of children below 5 years are anaemic in Madurai.
- 21.3% of people in Madurai have high blood cholesterol levels.
Preethi Hospitals Pvt Ltd ₹4 L Lakshmana Multispeciality Hospital ₹4 L Mazumdar Shaw Medical Center ₹4 L Shirdi Sai Hospital Pvt Ltd ₹3 L Preethi Hospitals Private Limited ₹3 L VELAMMAL MEDICAL COLLEGE HOSPITAL AND RESEARCH INSTITUTE ₹3 L Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Claim Amount Settled for Top Hospitals in Madurai
Other Popular Hospitals
How Much Health Insurance Coverage Do You Need in Madurai?
Health insurance industry experts in India advise people to buy a health insurance policy with a sum insured of at least 50% of their annual income. However, it is equally important for you to choose a medical insurance plan that can sufficiently cover all your medical expenses in Madurai, including the cost of treating critical illnesses like cancer, heart attack, etc.
Given the high cost of medical care in Madurai, you must purchase a mediclaim insurance plan that provides coverage of ₹5-10 lakh. If you want to buy a single health plan for the entire family, a family health insurance policy with a minimum coverage of ₹20 lakh is recommended. Last but not least, elderly people living in Madurai must consider buying a senior citizen health insurance plan with a sum insured of at least ₹15 lakh.
Health Insurance in Madurai for NRIs
For NRIs, having health insurance coverage in Madurai is essential due to the various health challenges in the city. Whether you are staying in Madurai for a short visit or a longer period, the health insurance for NRIs policy can help cover your medical expenses. Moreover, if you decide to move back to Madurai permanently and continue with the same health policy, you do not have to serve any additional waiting periods.
Moreover, if your parents live in Madurai, you can also purchase health insurance for parents to ensure that their medical bills are taken care of without causing any unexpected financial burden.
Additionally, if you have already met your tax requirements in your foreign country of residence, you are eligible for an 18% GST refund on the health insurance premiums for a policy purchased from India.
People also read: GST Refund on Health Insurance for NRIs
Is Government Health Insurance Enough to Cover Medical Expenses in Madurai?
No.
The Tamil Nadu Government introduced the Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS) to provide world-class health care to millions of underprivileged people in Tamil Nadu, including those living in Madurai. Also known as the Amma Health Insurance, it scheme ensures that residents of Madurai can access cashless medical care without facing financial hardship during emergencies.
Despite these advantages, the scheme does not provide complete protection to Madurai residents. Below is a table highlighting why the Amma Health Insurance scheme may not fully cover all your healthcare costs in Madurai:
| Category | Chief Minister’s Comprehensive Health Insurance Scheme | Private Health Insurance |
| Sum Insured | This scheme provides health insurance coverage of up to ₹5 lakh per family annually. | Private health insurance plans offer a maximum coverage of ₹6 crore, depending on the chosen plan. |
| Scope of Coverage | It provides coverage for hospitalisation, diagnostic procedures, and follow-up treatments. | It provides broader coverage, including hospitalisation, day care treatments, modern treatments, critical diseases, OPD treatments, ambulance charges and various medical procedures. |
| Eligibility | The eligibility for the Amma Health Insurance scheme is as follows:
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All residents of Madurai can purchase a private health insurance plan based on their health conditions and age. |
| Network Hospitals | The scheme includes selected government and private hospitals within its network. | Private health plans offer cashless treatment at all hospitals in Madurai under the Cashless Everywhere scheme. |
Wellness and Prevention Tips in Madurai
Consider the following wellness and prevention tips to stay in good health in Madurai:
- Exercise regularly to maintain a healthy weight in Madurai.
- Manage stress through yoga or meditation in Madurai.
- Wash hands frequently to prevent the spread of infection.
- Limit alcohol consumption and avoid smoking in Madurai.
- Avoid crowded places in Madurai during flu season.
- Limit consumption of sugary and high-fat foods in Madurai.
- Include vitamin C in your diet to enhance iron absorption.
- Avoid eating junk food that lacks essential nutrients.
- Use mosquito repellents to prevent mosquito bites in Madurai.
- Avoid outdoor activities during peak mosquito hours in Madurai.
Health insurance companies
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*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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