Health Insurance in Rajkot

Rajkot, the fourth-largest city in Gujarat, is a rapidly growing commercial and industrial centre. The city is known for its booming textile industry, especially for woollen and cotton products. Rajkot also offers some of the best healthcare facilities but at a higher cost. If you do not wish to burn a hole in your pocket by paying hefty medical bills, it is ideal to invest in health insurance in Rajkot.

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      Health Statistics of Rajkot

      Listed below are some of the recent health statistics of Rajkot:

      • Over 7.5 lakh women are anaemic in Rajkot.
      • More than 3.5 lakh Rajkot women are overweight.
      • Rajkot recorded around 2.3 lakh anaemia cases among children in 2020.
      • Nearly 2.2 lakh women are suffering from hypertension in Rajkot.
      • 17% of women in Rajkot are diabetic.
      • Heart attack caused 3 deaths in Rajkot within 12 hours in October 2023.

      Why Do You Need Health Insurance in Rajkot?

      Check out the reasons why you must buy mediclaim insurance in Rajkot:

      1. Rising Lifestyle Diseases

        Rajkot is witnessing a rise in lifestyle-related diseases, such as obesity, hypertension, and diabetes. According to the National Family Health Survey-5, 28% of women aged 15-49 years in Rajkot are obese. Excess weight can increase health risks and involve higher treatment costs, affecting your hard-earned savings. However, a health plan can provide financial relief as your insurer will cover the costs of treating these conditions.

      2. Increasing Healthcare Costs

        The cost of medicare is rising significantly in Rajkot. The cost of Coronary Angioplasty in Rajkot city ranges between ₹1.35 lakh to ₹4.10 lakh, making it unaffordable for many people. To stay financially protected against such high medical expenses in the city, buying the best health insurance plan with a coverage of ₹5-10 lakh is recommended.

      3. Access to Quality Healthcare

        High-quality healthcare can be expensive, and thus, not everyone in Rajkot can afford the best available treatments. This often forces people to opt for alternative and more affordable treatments to save money. However, health insurance plans in India can help you alleviate the monetary burden of obtaining quality treatment in Rajkot as and when required.

      Major Health Problems in Rajkot

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

      1. Diabetes

        Diabetes is on the rise in Rajkot, affecting a large portion of the city’s female residents. The National Family Health Survey-5 reported that 2,11,535 women in Rajkot were diabetic in 2020. The factors contributing to this increase include family history, obesity, physical inactivity, unhealthy eating patterns, and genetics.

      2. Hypertension

        Hypertension, or high blood pressure, is becoming an alarming health concern in Rajkot. The fifth round of the National Family Health Survey revealed that 18% of women aged 15-49 years were affected by hypertension in 2020. Medical experts suggest that high levels of stress, consumption of unhealthy fats, and inadequate sleep are some of the main contributors to the growing rates of hypertension in the city.

      3. Anaemia

        Anaemia has become a widespread issue in Rajkot, especially among young children and women. According to the National Family Health Survey (NFHS-5), 77% of children under the age of five and 61% of women aged 15-49 years are anaemic in Rajkot. This high prevalence is primarily due to a deficiency of essential nutrients like iron, vitamin B12, and folate.

      4. Obesity

        The prevalence of obesity in Rajkot is concerning. The NFHS-5 report highlighted that about 3,57,285 women in Rajkot in the age group of 15-49 years were obese in 2020. Factors like lack of physical activities, poor dietary habits, insufficient quality sleep, and sedentary lifestyles are driving the increase in obesity cases in the city.

      5. Heart Attack

        Heart attack cases are rising alarmingly in Rajkot. As per the official data, 11 people died from cardiac arrests in Rajkot between September 20 and October 4, 2023. Experts believe that insufficient sleep, poor diet, excessive alcohol consumption, and inactive lifestyles are likely reasons for this rise in heart attack cases.

      How Much Health Insurance Coverage Do You Need in Rajkot?

      In Rajkot, you must buy a health insurance plan that adequately covers all your medicare expenses in the city, including the cost of treating critical illnesses like cancer, kidney failure, etc. Besides, health insurance experts suggest people to invest in a mediclaim insurance plan with a minimum sum insured of at least 50% of their yearly income in the city.

      With medical inflation rising in Rajkot, you should purchase a health plan with a coverage amount of ₹5-10 lakh. If you want to purchase medical coverage for the entire family, family floater health insurance plan of ₹20 lakh and above is suitable.

      Additionally, if you want to buy a health plan for senior citizens in Rajkot, senior citizen health insurance policy with a sum insured of ₹15 lakh or more is recommended.

      Health Insurance in Rajkot for NRIs

      Non-resident Indians (NRIs) from Rajkot can purchase a medical policy from any health insurance companies in India. These policies can cover medical expenses incurred during their long-term stay or short-term visit to Rajkot. Additionally, if they choose to move back to Rajkot permanently, the same health insurance for NRIs policy can continue to provide coverage.

      In fact, NRIs can also buy health insurance for parents residing in Rajkot. This will allow them to support their parents financially in case of any planned or unexpected medical emergency.

      Moreover, NRIs are eligible for an 18% GST refund on the mediclaim insurance premium paid to an Indian insurer as long as they pay taxes overseas 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 Rajkot?

      No.

      The Pradhan Mantri Jan Arogya Yojana - Mukhyamantri Amrutum Yojana (PMJAY-MA) is a health insurance initiative first launched by the Government of Gujarat on September 4, 2012. The scheme is designed to cover healthcare expenses for low-income and lower-middle-class families in the state, including those living in Rajkot, from diagnostic tests to post-hospitalisation care. However, despite its wide range of benefits, the Yojana is not enough to provide complete health protection in the city.

      The table below highlights some reasons why the PMJAY-Mukhyamantri Amrutum Yojana may not offer sufficient medical coverage to Rajkot residents:

      Category Pradhan Mantri Jan Arogya Yojana - Mukhyamantri Amrutum (PMJAY-MA) Private Health Insurance
      Sum Insured The scheme offers coverage of up to ₹10 lakh per family annually. Private health insurance plans in Rajkot offer coverage that can go up to ₹6 crore, depending on the selected plan.
      Scope of Coverage The PMJAY-MA Yojana covers multiple diseases and medical treatments, including transplant surgeries, cancer treatments, cardiac treatments, etc. It offers comprehensive coverage for various medical procedures, therapies, critical diseases, and surgeries, including chemotherapy, heart surgeries, organ transplant surgeries, modern treatments, mental disorders treatment, day care treatments, physiotherapies, etc.
      Eligibility The eligibility criteria for this scheme are as follows:
      • Families with an annual income up to ₹4 lakh
      • Senior citizens from families with an annual income up to ₹6 lakh
      • ASHA workers
      • Holders of a UWIN card
      • Class 3 and 4 government employees on fixed pay
      • State government employees and pensioners
      • Registered construction workers and families
      • Government Mahila ashram residents, old age home residents, Ashram Shala students and government orphanage children
      All Rajkot residents are eligible to buy private health insurance, depending on factors like their age, health condition, and budget.
      Network Hospitals The scheme covers medical expenses for treatments obtained in both government and private empanelled hospitals in a cashless manner. Private health plans provide cashless treatment options at all hospitals in Rajkot with the cashless everywhere facility.

      Wellness and Prevention Tips in Rajkot

      Listed below are the wellness and prevention tips to maintain good health in Rajkot:

      • Eat iron-rich foods like spinach, lentils, etc.
      • Drink plenty of water in Rajkot to maintain good blood volume.
      • Aim for 7-8 hours of sleep each night to help your body recover.
      • Exercise for at least 30 minutes daily to manage obesity issues in Rajkot.
      • Quit smoking to improve overall heart health in Rajkot.
      • Limit saturated and trans fats consumption, and check cholesterol levels regularly in Rajkot.
      • Practice meditation, deep breathing, or yoga in Rajkot to relax your body.
      • Avoid tobacco products in Rajkot to reduce the risk of heart disease.
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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. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹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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