Health Insurance in Patna

Patna is the birthplace of Guru Gobind Singh and one of the oldest living cities in the world. The city is best known for its historical relevance, rich culture, delectable food and literature. However, the city is prone to various non-communicable diseases that may prove expensive to treat in the long run. To prevent exhausting your savings in paying medical bills, you must buy health insurance in Patna.

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      Health Statistics of Patna

      Given below are some of the health statistics of Patna:

      • 50% of all hypertension cases in Patna comprise of young people
      • Gestational diabetes cases in Patna have tripled in the last decade
      • One in every 10 children in Patna is obese
      • Breast cancer is the most common type of cancer in Patna

      Why Do You Need Health Insurance in Patna?

      Check out some of the reasons why you must purchase health insurance in Patna:

      1. High Prevalence of Vector-Borne Diseases

        Vector-borne diseases, such as dengue, have a massive presence in Patna. According to the state health department, Patna reports the maximum number of dengue cases in Bihar. In severe cases, the patient may have to be hospitalized, which may create a financial burden. To protect your savings from getting exhausted due to hospitalization, buying health insurance for vector-borne diseases in Patna is a must.

      2. Rise in Lifestyle Diseases

        In Patna, lifestyle diseases, such as hypertension, diabetes and obesity, have been growing at an alarming speed. More and more people are being diagnosed with these diseases due to their poor lifestyle habits, including lack of exercise and increased consumption of unhealthy food. What people do not understand is that the treatment of these diseases goes on for a long time and is extremely costly. If you do not want to give away all your life's savings to pay medical bills, you must purchase a critical illness insurance policy.

      3. No Compromise on Treatment

        The best way to treat a disease is to obtain the right treatment at the right time. However, not everyone in Patna can afford to get the required time for various diseases. As a result, they compromise on their treatment by choosing an alternative treatment. But if you buy the best health insurance plan in India, you can obtain the best quality treatment in Patna without worrying about paying the hospital bills.

      4. Protects Against Medical Inflation

        The cost of healthcare facilities in Patna has increased over the last few years thanks to medical inflation. If you get admitted to a private hospital in Patna for even a few days, you can easily get a bill of lakhs of rupees. Not everyone can afford to pay so much money. If you want to stay prepared for medical inflation impacting your hospital bills, you must buy a mediclaim insurance policy.

      Major Health Problems in Patna

      Here are some of the major health problems in Patna:

      1. Heart Diseases

        Heart diseases are extremely common among the people in Patna, especially young people. According to health experts, about 15% of people in Patna between 20 years and 40 years are being diagnosed with heart problems. Poor diet, high blood pressure, lack of physical activities and smoking are some of the major causes of heart problems in the city.

      2. Cancer

        Cancer has a significant presence in Patna. As per reports, Patna reports more than 50% of the total cancer cases in Bihar. Health experts believe increased consumption of tobacco & gutkha, the presence of insecticides & pesticides in foods and water contamination are responsible for the surge in cancer cases in Patna.

      3. Diabetes

        Diabetes has a high prevalence in Patna. Air pollution, poor food habits, sedentary lifestyles and lack of physical activities have led to a higher occurrence of diabetes in the city. In fact, around 30% of people with diabetes in Patna are below 30 years of age.

      4. Hypertension

        Hypertension is a major cause of concern in Patna. As per health experts, hypertension cases in Patna are increasing by 10% every month compared to pre-COVID times. High intake of salt, processed food, lack of exercise, smoking and stress are some of the major causes of the high incidence of hypertension in Patna.

      5. Obesity

        Obesity has a high incidence in Patna. According to reports, more number of women are obese in Patna compared to men in the city. Moreover, number of obese children in the city have also substantially increased in the last few years. Experts blame excessive consumption of junk food, sedentary lifestyles and decreased physical activities for the increased prevalence of obesity in Patna. 

      How Much Health Insurance Coverage Do You Need in Patna?

      If you stay in Patna, you must purchase a health insurance policy with a sum insured that covers all your medical expenses adequately in the city. Your health insurance coverage amount should be sufficient to pay for the treatment of a lifestyle disease, such as cancer, hypertension, etc., in Patna. Interestingly, insurance experts suggest buying a health insurance policy with a sum insured of at least half of your annual income.

      Given the high incidence of lifestyle diseases in Patna, you must buy a health insurance policy of at least Rs 5-10 lakh. To cover your whole family in Patna, purchasing a family health insurance policy of Rs 20 lakh or more is recommended. In the case of senior citizens, a senior citizen health insurance policy of at least Rs 15 lakh is suggested.

      Health Insurance in Patna for NRIs

      Non-resident Indians or NRIs from Patna who have settled abroad can also buy a mediclaim policy from any health insurance companies based in India. This policy can be used to pay for the medical bills incurred during their stay or visit to India. In fact, if they decide to move back to Patna after a few years, the same health insurance for NRIs policy can be continued without the need to serve any additional waiting periods. 

      Moreover, health insurance for parents of the NRIs staying in Patna can also be purchased in India. This will enable NRIs to financially support their parents during a medical emergency, even if settled in another country. Additionally, a GST refund of 18% is also available for NRIs buying health insurance from India.

      You can also read: GST Refund on Health Insurance for NRIs

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

      No.

      The Bihar Government introduced the Mukhyamantri Jan Arogya Yojana (CM-JAY) to provide free medical treatment to people not covered under the Ayushman Bharat Yojana. However, the CM-JAY scheme is not sufficient to pay for all your medical treatments in Patna. Check out the table below to know why the Mukhyamantri Jan Arogya Yojana – Bihar is not enough to cover your healthcare expenses in Patna:

      Categories Mukhyamantri Jan Arogya Yojana (CM-JAY) Private Health Insurance
      Sum Insured CM-JAY offers an annual sum insured of Rs 5 lakh per family. Private health plans allow you to opt for a sum insured of up to Rs 6 crore, depending on your budget and health needs.
      What is Covered? It covers the cost of secondary and tertiary care hospitalization. They provide coverage for in-patient hospitalization, pre & post-hospitalization expenses, OPD treatments, day care treatments and surgical procedures. The exact coverage varies with the plan you have purchased.
      Who is Eligible? Underprivileged families in Bihar who have not been covered under the PMJAY scheme.
      All ration cardholders
      NFSA cardholders
      All residents of Bihar can buy a private health insurance policy.
      Eligible Hospitals Beneficiaries can avail treatment at any government and private empanelled hospitals in Patna. You can avail treatment at any hospital in Patna.

      Wellness and Prevention Tips in Patna

      Take a look at some of the wellness tips to prevent diseases in Patna:

      • Go for a brisk walk or exercise regularly in Patna to maintain a healthy body weight.
      • Avoid consuming junk food, carbonated drinks and processed food in Patna.
      • Quit smoking in Patna to prevent lung diseases.
      • Meditate or perform yoga in Patna to manage stress levels.
      • Wear full-sleeved clothes and use mosquito repellents to avoid mosquito bites.
      • Eat healthy and nutrient-rich food with lots of fresh fruits, vegetables and lean proteins.
      • Go for an annual health check-up in Patna to detect any medical condition at an early stage.
      • Reduce the consumption of excess salt and avoid foods with preservatives.
      • Remove stagnant water in your surroundings in Patna to prevent mosquito breeding.
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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