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Health Insurance in Nagpur
Nagpur is a vibrant city in Maharashtra known for its oranges, magnificent lakes, cultural heritage, and natural beauty. Considered as the 'Tiger Capital of India', it connects several tiger reserves and is a major educational hub in central India. Moreover, the city offers advanced healthcare facilities but at a high cost. Let's find out why buying health insurance in Nagpur is essential.
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Why Do You Need Health Insurance in Nagpur?
Check out the key reasons why a health insurance plan is a must-buy in Nagpur:
6,51,00,000 Families have Trusted Policybazaar India No. of Claims Settled 8 Lakh Claim Amount Settled 4,007 Crore Nagpur No. of Claims Settled 6 K Claim Amount Settled 28 Crore Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
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Prevalence of Cancer
Cancer is a common illness in Nagpur. As per a recent study by the RST Hospital in the city, 90 women and 91 men per one lakh population are detected with cancer in Nagpur. Getting treatment for cancer can be extremely costly, but with a health insurance plan for cancer patients, you can obtain the necessary treatment without worrying about the medical bills.
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Risk of Vector-Borne Diseases
Nagpur frequently experiences the outbreak of vector-borne diseases like dengue and chikungunya. As per official data, around 8 chikungunya and 2 dengue patients are being hospitalised daily in Nagpur as of August 2024. The cost of hospitalisation for treating such diseases can be heavy on your pocket. With plans like dengue health insurance, you can obtain the required medical treatment at the right time without draining your funds.
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Surge in Water-borne Diseases
Water-borne diseases are a major risk in Nagpur city. With the arrival of the monsoon season in 2024, the city has witnessed a sharp rise in the number of water-borne diseases like diarrhoea and typhoid. According to a Nagpur Municipal Nodal Medical Officer, around 587 gastro and diarrhoea cases were reported in the city in the first seven months of 2024. Treating severe water-borne illnesses can be financially draining as you may need hospitalisation, but a mediclaim insurance policy can help cover all the treatment expenses.
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Rise in Viral Infections
Viral infections are a significant concern in Nagpur, particularly among children. According to medical officials, viral infections like dengue, dengue-like fever, typhoid, and acute gastroenteritis had substantially increased in Nagpur in May 2024. Buying a health plan in Nagpur can help you manage the costs of treating these conditions without any financial burden.
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Increasing Air Pollution
Air pollution is increasing rapidly in Nagpur. According to a recent IQAir report, the PM2.5 concentration in Nagpur is 4.2 times higher than the WHO's recommended annual air quality guideline. This level of pollution can lead to respiratory issues, such as asthma, bronchitis, cold, cough, etc., and may result in extensive medical expenses. However, plans like Health insurance for asthma patients can provide the financial support needed to treat these respiratory problems.
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Rising Healthcare Costs
Healthcare costs in Nagpur are rising at alarming levels, with even a single day of hospitalisation costing lakhs of rupees. That makes it difficult for everyone to afford quality medicare. But by buying the ideal health insurance plan, you do not have to worry about these rising costs, as your mediclaim insurance policy will cover them for you.
Major Health Problems in Nagpur
Take a look at the major health problems prevalent in the Nagpur region:
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Cancer
Cancer has a high incidence in Nagpur. According to a recent study by the Rashtra Sant Tukadoji Regional Cancer Hospital and Research Centre, Nagpur, 58% of the registered patients were diagnosed with cancer in a period of five years. Besides, oral cancer is the most prevalent in the city, followed by breast cancer and cervical cancer. This high prevalence of cancer in Nagpur is primarily due to high tobacco consumption.
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Diarrhoea
Diarrhoea cases are rising alarmingly in Nagpur. As per a Nagpur Municipal Nodal Medical Officer, 421 cases of diarrhoea were reported in Nagpur from April to July 2024. The primary causes behind this surge are the consumption of contaminated water and food.
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Typhoid
The situation of typhoid in Nagpur is equally concerning. According to data shared by a Nagpur Municipal Nodal Medical Officer, around 90 typhoid cases were reported in the city between January and July 2024, with more than 25% of cases reported in the first half of July. The rising cases are largely due to untreated borewell water consumption and the onset of the monsoon season.
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Dengue
Dengue has become a major health issue in Nagpur. As per official data, the number of dengue cases in Nagpur increased from 3,164 in 2023 to 5,779 in 2024 during the first seven months of the year. Untimely rains and an increase in mosquitoes are the main reasons behind this rise in dengue cases.
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Chikungunya
Chikungunya is rapidly spreading among the residents of Nagpur. As per official data, Nagpur saw more than 35% increase in chikungunya cases in the first seven months of 2024 compared to 2023. Water storage in open containers and garbage piles are responsible for becoming the breeding grounds for mosquitoes in Nagpur, leading to the transmission of this vector-borne disease.
Claims Settled for Major Health Conditions in Nagpur
Cancer & Blood
Avg. claim ₹3 L
₹4 Cr
109 Claims
Injuries & Accidents
Avg. claim ₹1 L
₹4 Cr
318 Claims
Heart & BP
Avg. claim ₹1 L
₹2 Cr
202 Claims
Infections & Fever
Avg. claim ₹66 K
₹2 Cr
394 Claims
Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Health Statistics of Nagpur
Given below are some of the health statistics of Nagpur:
- Nagpur has the highest number of cancer patients per lakh population in Maharashtra.
- One in every 11 women and one in every 10 men in Nagpur is at risk of developing cancer.
- Nagpur reported the third-highest number of chikungunya cases in Maharashtra in 2024
- Oral cancer reports the maximum number of cancer cases in Nagpur.
- Around 421 cases of diarrhoea were reported in Nagpur in the second quarter of 2024.
- Nagpur reports two new dengue cases every day in Nagpur in August 2024.
WOCKHARDT SUPERSPECIALITY HOSPITAL ₹33 L CARE Hospitals ₹30 L KIMS Hospitals ₹29 L NATIONAL CANCER INSTITUTE ₹29 L Meditrina Institute of Medical Sciences ₹28 L Manipal Hospitals ₹26 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 Nagpur
Other Popular Hospitals
How Much Health Insurance Coverage Do You Need in Nagpur?
According to the insurance industry experts, the sum insured of a health insurance policy must be at least 50% of your annual income. However, make sure that the coverage amount is sufficient to cover the medical expenses incurred on treating critical illnesses like cancer, which is prevalent in Nagpur.
If you live in Nagpur, you should consider purchasing a health insurance policy with a sum insured ranging from ₹5 lakh to ₹10 lakh. If you want to cover your entire family under a single policy, a family health insurance plan with a sum insured of at least ₹20 lakh must be opted. Moreover, senior citizens in Nagpur are advised to buy a senior citizen health insurance policy with a sum insured of ₹15 lakh or more.
Health Insurance in Nagpur for NRIs
Non-resident Indians (NRIs) from Nagpur are eligible to buy a health insurance policy from any Indian insurance provider. They can use the policy to cover any unanticipated healthcare expenses that may arise during their visit to Nagpur. Moreover, NRIs who plan to return and settle in Nagpur are advised to buy the health insurance for NRIs policy as soon as possible to complete all applicable waiting periods by that time.
Additionally, NRIs can consider purchasing health insurance for parents in Nagpur, offering them financial support during medical emergencies. Besides, NRIs are also eligible for an 18% GST refund on premiums paid to buy health insurance policies in India, provided they pay taxes in their country of residence.
People also read: GST Refund on Health Insurance for NRIs
Is Government Health Insurance Enough to Cover Medical Expenses in Nagpur?
The Government of Maharashtra introduced the Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) on July 2, 2012, to provide free, quality healthcare to the underprivileged sections of the society. This scheme covers listed illnesses under 34 medical specialities that require hospitalisation. However, the MJPJAY scheme does not offer comprehensive health coverage for all medical needs of Nagpur residents.
The table below highlights why the Mahatma Jyotiba Phule Jan Arogya Yojana may not be enough for people living in Nagpur:
| Category | Mahatma Jyotirao Phule Jan Arogya Yojana | Private Health Insurance |
| Sum Insured | The Mahatma Jyotirao Phule Jan Arogya Yojana provides coverage for up to ₹1.5 lakh. However, the coverage extends to ₹2.5 lakh for renal transplant cases. | Private health insurance offers coverage up to ₹6 crore based on your health status, age and budget. |
| Scope of Coverage | This scheme includes coverage for surgeries, diagnostic tests, medications, and follow-up consultations and care. | A private health insurance policy covers a wide range of medical procedures, diseases, surgeries, therapies, and more. |
| Procedures Covered | The Yojana covers 996 surgeries, therapies, and procedures. It also pays for 121 follow-up medical procedures. | Depending on the chosen plan, private health insurance covers day care procedures, OPD care, in-patient care, ambulance charges and pre and post hospitalisation expenses among others. |
| Hospitals Covered | Both government empanelled hospitals, and private hospitals are included. | Private health insurance offers cashless treatment at all hospitals in Nagpur. |
Wellness and Prevention Tips in Nagpur
Follow the wellness and prevention tips mentioned below to stay healthy in Nagpur:
- Avoid tobacco and limit alcohol consumption in Nagpur.
- Eat a balanced diet in Nagpur rich in fruits and vegetables.
- Drink only clean and boiled water to prevent the consumption of contaminated water in Nagpur.
- Wash hands properly before eating and after using the washroom.
- Avoid eating street food in Nagpur.
- Always wear long-sleeved clothing and use mosquito repellents in Nagpur.
- Eliminate standing water around your home in Nagpur to prevent mosquito breeding.
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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