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Health Insurance in Mohali
Mohali is one of the fastest growing districts of Punjab with a population of about 9.94 lakh (Census 2011). Mohali is a part of the Chandigarh Tri City and also the top IT and business hub of the Punjab region, having excellent healthcare infrastructure. But the charges ofprivate hospitals are increasing steadily and the prevalence of lifestyle diseases is on the rise; thus, health insurance is now essential for every family in the city.
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Why Do You Need Health Insurance in Mohali
6,51,00,000 Families have Trusted Policybazaar India No. of Claims Settled 8 Lakh Claim Amount Settled 4,007 Crore Mohali No. of Claims Settled 2 K Claim Amount Settled 11 Crore Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
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High Cost of Private Healthcare
The speedy urbanization has propelled world-class, private hospitals into the city of High Cost Private Healthcare. These provide high level care and access, but the room rent, specialist fees, surgical fees and costs of admission to the ICU are substantial. If you haven't got a health plan to cover the costs, then months of savings can vanish into one unplanned hospitalisation.
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City Lifestyle and Sedentary Health Risks
In an IT city like Mohali, the sedentary lifestyle, irregular eating habits and long hours of working in front of the computer are the reasons for early lifestyle diseases affecting the big population of IT and corporate workers. The annual cost of these conditions increases considerably without coverage, and includes the cost of medications, tests and visits to specialists.
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Severe Air Pollution in Winter Months
The Severe Air Pollution in Winter Months is reflected in the AQI consistently recorded by CPCB across the Mohali-Chandigarh tricity during winter months. Chronic low air quality exposure leads to respiratory ailments, heart problems, and exacerbation of pre-existing diseases, conditions that must be treated continuously and incur medical expenses.
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Relentless Medical Inflation
The cost of medical services in private hospitals as per IRDAI keeps increasing at an average rate of 12% to 14% per year in India. A procedure costing ₹2 lakh, now, will cost ₹3.5 lakh in five years from now. Making early purchases helps you in locking lower premiums and thus saving your family from future escalating costs.
Major Health Problems in Mohali
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Hypertension
As per NFHS-5, 28.5% of Punjab's men and 24.1% of women have high blood pressure, which is one of the highest in the country. It if goes untreated, results in heart disease, kidney failure and strokes, which can be costly to treat.
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Diabetes
In Punjab, blood sugar levels have been on the increase in all the survey cycles according to NFHS-5. Individual health insurance can cover the significant recurring annual costs that are associated with long-term diabetes care, blood tests, kidney monitoring, eye checkups, and daily medication.
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Cardiovascular Disease
As per ICMR Punjab has one of the highest burdens of cardiovascular diseases in India. Cardiac risk is particularly high in Mohali due to high hypertension, diabetes and lifestyle issues. Cardiac procedures range from ₹3 to 8 lakh at private hospitals, and a critical illness cover is very crucial to have.
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Obesity
NFHS-5 indicates that one out of every 43.1% of women in Punjab is overweight or obese, which is one of the highest rates in India as per the NFHS-5 State Factsheet Punjab, 2019-21. Diabetes, heart disease and joint problems are all consequences of obesity and are expensive and require ongoing specialist care and costs in the long term.
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Respiratory Conditions
Winter air pollution in Mohali leads to chronic bronchitis, asthma and other related ailments as per CPCB. These need to be treated with regular specialist consultations, lung function testing and continued medications, something for which a personal health policy is helpful and reliable.
Claims Settled for Major Health Conditions in Mohali
Cancer & Blood
Avg. claim ₹4 L
₹1 Cr
47 Claims
Infections & Fever
Avg. claim ₹86 K
₹1 Cr
217 Claims
Heart & BP
Avg. claim ₹3 L
₹1 Cr
47 Claims
Stomach & Digestion
Avg. claim ₹1 L
₹1 Cr
95 Claims
Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Healthcare Costs in Mohali and Recommended Coverage
| Healthcare Need | Typical Treatment Cost | Recommended Coverage | Suitable Policy Type |
| Respiratory & Pollution-Related Illness | ₹20,000 - ₹80,000 annually | ₹10 lakh+ | Individual or Family Floater Health Insurance |
| Diabetes & Hypertension Management | ₹20,000 - ₹75,000 annually | ₹10-15 lakh | Individual Health Insurance |
| Cardiac Procedures & Heart Surgery | ₹3 lakh - ₹8 lakh | ₹20 lakh+ | Comprehensive Plan + Critical Illness Cover |
| Cancer Treatment | ₹5 lakh - ₹25 lakh+ | ₹25 lakh+ | Health Insurance + Critical Illness Cover |
| Orthopaedic Surgeries | ₹2 lakh - ₹6 lakh | ₹20 lakh+ | Comprehensive Health Insurance |
| Emergency ICU Admission | ₹1 lakh - ₹5 lakh+ | ₹20 lakh+ | Family Floater or Individual Plan |
| Senior Citizen Hospitalisation | ₹50,000 - ₹5 lakh+ | ₹20 lakh+ | Senior Citizen Health Insurance |
| Maternity & Newborn Care | ₹60,000 - ₹2.5 lakh+ | ₹15 lakh+ | Plan with Maternity Cover + Newborn Baby Cover |
Note: Costs are indicative and may vary by hospital, room type, ICU requirements, and treatment complexity.
Shalby Hospital Mohali ₹16 L INDUS INTERNATIONAL HOSPITAL ₹12 L HOMI BHABHA CANCER HOSPITAL AND RESEARCH CENTRE ₹12 L Medanta ₹10 L Apollo Hospitals ₹10 L Sri Balaji Action Medical Institute ₹9 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 Mohali
Other Popular Hospitals
Major Hospitals in Mohali and Why Health Insurance Matters
| Hospital Type | Examples in Mohali | Services Available | Why Health Insurance Helps |
| Private Multi-Specialty Hospital | Fortis Hospital, Phase 8, Mohali | Cardiology, oncology, neurology, trauma, critical care | Covers private ward room rent and high ICU expenses |
| Private Super-Specialty Hospital | Grecian Super Speciality Hospital, Sector 69 | Cardiac surgery, orthopaedics, emergency, general surgery | Enables cashless hospitalization, reduces upfront deposits |
| Private Hospital | IVY Hospital, Sector 71, Mohali | General medicine, surgery, gynaecology, critical care | Manages unexpected surgical and ICU expenses |
| Government Hospital | Civil Hospital, Phase 6, Mohali | General medicine, emergency, maternal health | Covers costs beyond free government treatment |
Always verify that your preferred hospital in Mohali is listed in your insurer's network hospital directory before purchasing a policy to ensure smooth cashless hospitalization during emergencies.
How Much Health Insurance Coverage Do You Need in Mohali
- Individuals: For working adults in Mohali, it is advisable to have an individual health insurance plan with a minimum sum insured of ₹10 lakh.
- Families: For families, it offers a family floater health cover with a coverage limit of ₹25-30 lakh, which includes all family members under one umbrella with a single premium, ideal for the increasing times of nuclear families in Mohali.
- Senior Citizens: A separate senior citizen health insurance plan of at least ₹20 lakh to cater to the medical needs of their old age without hassle.
Families that have a history of heart disease or cancer should include a critical illness coverage. Most insurance companies have a waiting period of 9-24 months for maternity coverage, young couples should check for maternity cover and newborn baby cover. Premiums can be availed of tax benefit under Section 80D up to ₹25,000 for an individual and ₹50,000 for senior citizens per annum.
How to Buy Health Insurance in Mohali
- Know your health requirements first: If you have any pre-existing disease or illness, and you have a family with more than two members, you should think of your needs before considering a plan. This helps one to avoid over-payment or under insurance.
- Pick the right sum insured: Select a sum insured that is based on a large operation or extended stay in the Intensive Care Unit. Don't settle for less because it's cheaper, it's your money that's lost.
- Check plans thoroughly: Analyze plans in terms of coverage, annual costs, claim settlement ratio, and plan portability before deciding.
- Review insurer's network hospital list: Ensure that the hospitals listed in the network hospital list such as Fortis Mohali, Grecian Hospital, IVY Hospital and Civil Hospital are in your insurance provider's network for easy cashless hospitalization.
- Search for additional added value: Opt for plans with restoration benefit, No Claim Bonus, annual health check-up, day care treatment, ambulance cover, OPD cover, organ donor expenses coverage and domiciliary treatment.
- Carefully read the fine print: Waiting period for all conditions, room rent sub-limits, co-payment clauses, deductible amounts and whether AYUSH treatment is covered by the policy. Be sure to check for lifetime renewability before signing up.
- Select a long term plan: Select the premium and sum insured that you can afford on a long term basis, even during retirement.
- Submit a reimbursement claim as necessary: If treated at a non-network hospital, send your bills, discharge summary and necessary paperwork to your insurance provider to file your reimbursement claim in time.
Health Insurance in Mohali for NRIs
The Ministry of External Affairs states that Punjab has one of the biggest NRI populations in India with a well established community in Canada, UK, US and Australia. During an emergency, most Indian companies provide family health insurance or senior citizen health insurance that can be bought online, they can avail cashless hospitalization at hospitals such as Fortis Hospitals and Grecian Hospitals.
Is Government Health Insurance Enough in Mohali
No. Punjab's Mukhyamantri Sarbat Sehat Bima Yojana provides cashless hospitalization up to ₹5 lakh per eligible family per year. This can help meet basic needs but cannot aid in serious illnesses. A cardiac surgery can run anywhere between ₹3 lakh and ₹8 lakh, and a prolonged treatment in the ICU can consume up to ₹5 lakh in a few days.
| Feature | Sarbat Sehat Bima Yojana / AB-PMJAY | Private Health Insurance |
| Coverage Amount | Up to ₹5 lakh per family per year | ₹10 lakh to ₹1 crore+ |
| Hospital Access | Empanelled hospitals only | Nationwide network hospital access |
| Room Choice | General ward | Private room with room rent flexibility |
| Advanced Treatments | Restricted to listed procedures | Includes day care treatment and modern surgeries |
| Additional Benefits | Basic hospitalisation only | OPD cover, AYUSH treatment, wellness benefits |
| Senior Citizens | Limited schemes | Dedicated senior citizen health insurance plans |
The cost of private hospitals is increasing at 12-14% per year as per IRDAI, which is high enough to warrant a health insurance policy that is adequate for every family in Mohali. Mohali has a considerable burden of hypertension, cardiovascular disease, obesity and air pollution related respiratory diseases so a private health insurance policy with sufficient sum insured is the best financial safeguard for all households in Mohali.
Frequently Asked Questions (FAQs)
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Q. Which health insurance plan is ideal for a family in Mohali?
Ans: A family floater health insurance plan with coverage ranging from ₹25 lakh to ₹30 lakh is generally considered a suitable option for families in Mohali, as it provides comprehensive coverage for all insured family members under a single premium. -
Q. Is cashless hospitalisation available in Mohali?
Ans: Yes. Most health insurance providers offer cashless hospitalisation through their network hospitals in Mohali, including reputed healthcare institutions such as Fortis Hospital, Grecian Hospital, IVY Hospital, and other empanelled hospitals. -
Q. Can NRIs buy health insurance for their parents living in Mohali?
Ans: Yes. Most health insurance companies in India allow NRIs to purchase health insurance policies online for their parents and family members residing in Mohali and other parts of India. -
Q. What are the most common diseases in Mohali?
Ans: Some of the common health concerns in Mohali include hypertension, diabetes, cardiovascular diseases, obesity, and respiratory illnesses caused by air pollution. -
Q. Is government health insurance sufficient in Mohali?
Ans: Government-sponsored schemes such as Sarbat Sehat Bima Yojana provide health coverage of up to ₹5 lakh, offering financial support for basic medical needs. However, private health insurance plans generally provide higher coverage limits and broader benefits for critical illnesses, major surgeries, and prolonged hospitalisation. -
Q. Can I file a reimbursement claim in Mohali?
Ans: Yes. If you receive treatment at a non-network hospital, you can file a reimbursement claim by submitting the required documents, including medical bills, discharge summary, and claim forms, to your insurer within the prescribed timeline.
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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