Health Insurance in Ranchi

Ranchi is the capital and the second-largest city of Jharkhand. Often known as the "City of Waterfalls", Ranchi attracts many tourists due to its scenic falls. As the district is being developed under India’s Smart Cities Mission, healthcare costs are increasing rapidly. To afford quality treatments in some of the best city hospitals without draining your savings, investing in health insurance in Ranchi is a good idea.

Read More

Policybazaar exclusive benefits
30 minutes claim support##
(In 120+ cities)
Relationship manager
For every customer
24*7 claims assistance
In 30 mins. guaranteed*
Instant policy issuance
No medical tests~
People trust Policybazaar^
7.7 crore
Registered consumers
53
Insurance partners
4.2 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform
0%
Find affordable plans with up to 25% Discount**

Select members you want to insure

  • More Members
  • Back
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    Continue
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Continue
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      Continue
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step

      Health Statistics of Ranchi

      Following are some of the recent health statistics of Ranchi:

      • Ranchi reported 46% of all dengue cases in Jharkhand in 2022.
      • Ranchi hospitals treated nearly 50 malaria cases daily in August 2024.
      • More than 1.8 lakh women have hypertension in Ranchi.
      • 63% of children below the age of 5 years are anaemic in Ranchi.
      • Over 1.4 lakh Ranchi women are obese.
      • 10% of women in Ranchi are diabetic.

      Why Do You Need Health Insurance in Ranchi?

      Listed below are some of the reasons why you should buy health insurance in Ranchi:

      1. Surge in Vector Borne Diseases

        The cases of vector-borne diseases like dengue, malaria and chikungunya are on the rise in Ranchi in recent years. According to the City Health Department, 68 cases of malaria, 47 cases of chikungunya and 26 cases of dengue were recorded in Ranchi between January and August 2023. Even though most of these diseases can be treated at home, severe cases may require hospitalisation, creating a major dent in your savings. As vector-borne diseases are a common issue every monsoon season in Ranchi, it is important to plan ahead and buy a dengue health plan or health insurance for malaria.

      2. Prevalence of Lifestyle Diseases

        Lifestyle diseases, such as high blood pressure, diabetes and obesity, affect a considerable number of Ranchi residents. Based on the National Family Health Survey-5, Ranchi witnessed a 7% rise in hypertension cases among women aged 15-49 years. Moreover, 15% of Ranchi women were found to be obese within the same age group. Getting quality treatment for lifestyle diseases can be financially burdensome, but buying comprehensive health insurance plans can help you manage the treatment costs effectively.

      3. Obtaining Quality Treatment

        The cost of healthcare services is rising considerably in India, including in Ranchi. Due to medical inflation, you might prefer affordable yet less effective treatments, which are futile in the long run. However, by investing in the best health insurance plan in India, you can obtain the best quality treatment without burning a hole in your pocket, as your insurer will take care of the hospital bills.

      4. Increasing Medical Expenses

        The cost of medical treatments and hospitalisation in Ranchi is on the higher side. Even the cost of Coronary Angioplasty in Ranchi ranges between ₹70,000 - ₹4.5 lakh. Affording such high-cost treatment might not be possible for every Ranchi resident. However, mediclaim insurance with a coverage amount of ₹5-10 lakh can help you pay for these costly hospital bills.

      Major Health Problems in Ranchi

      Ranchi faces several serious health problems that have been on the rise in recent years. Check out some of them below:

      1. Dengue

        Dengue is one of the most common and widely spread vector-borne diseases in Ranchi. According to the State Department of Health, Medical Education and Family Welfare, 89 out of 180 dengue cases in Jharkhand were reported from the Ranchi district in October 2022. The high percentage of cases is mainly due to unhygienic practices and stagnant water, leading to excessive mosquito breeding in the city.

      2. Anaemia

        Anaemia has emerged as a significant health problem among children and women in Ranchi. According to the National Family Health Survey-5, approximately 5.6 lakh women between the age group of 15-49 years, and more than 1.5 lakh children below 5 years of age were diagnosed with anaemia in Ranchi. Inadequate iron intake and vitamin B-12 deficiency are majorly responsible for increasing anaemia cases in the Ranchi district.

      3. Hypertension

        Ranchi has recorded a noteworthy increase in hypertension cases over the last few years. As per the fifth round of the National Family Health Survey, hypertension cases in Ranchi surged from 13% in 2016 to 20% in 2020. This increase is primarily due to poor lifestyle habits like stress, unhealthy food consumption, smoking, not exercising enough, consuming intoxicated substances, insufficient sleep, etc.

      4. Obesity

        Obesity has a high incidence in Ranchi. According to the National Family Health Survey- 5, 1,41,663 women in Ranchi in the age group of 15-49 years were suffering from obesity in 2020. Sedentary lifestyles, high amount of stress, not getting enough sleep, unhealthy eating habits, etc. are the root causes of the overweight problem in the city.

      5. Malaria

        Malaria is another significant health concern in Ranchi. According to the official report, Ranchi reported more than 82 malaria cases from January to August 2024. The Ranchi Municipal Corporation has ensured fogging, larvicidal spraying and public awareness initiatives to control the spread of malaria in the city.

      How Much Health Insurance Coverage Do You Need in Ranchi?

      As per experts in the insurance industry, you must choose a health plan that offers coverage equivalent to 50% of your yearly income. However, it is equally important to select a mediclaim insurance policy that provides sufficient coverage for all your healthcare costs in Ranchi, including the expense of treating critical illnesses prevalent in the city.

      Given the high medicare costs in Ranchi, you must invest in a health insurance policy with a sum insured ranging from ₹5-10 lakh. If you want a family floater policy, consider buying a family health insurance plan with a minimum coverage of ₹20 lakh.

      Moreover, senior citizens in Ranchi must opt for a senior citizen health insurance policy with a sum insured of ₹15 lakh or more.

      Health Insurance in Ranchi for NRIs

      Non-resident Indians or NRIs from Ranchi are eligible to purchase medical plans from any of the health insurance companies in India. They can use the policy to pay for healthcare expenses that may arise unexpectedly during their short-term visit or long-term stay in Ranchi. Furthermore, if they plan to settle back in Ranchi after a few years, they can continue using the same health insurance for NRIs policy and that too without serving any additional waiting period.

      In fact, NRIs can also purchase health insurance for parents living in Ranchi to help them financially in case of any unforeseen medical emergency. Also, NRIs can get an 18% GST refund on health insurance premiums, given that they fulfil their tax obligations in their foreign country of residence.

      People also read: GST Refund on Health Insurance for NRIs

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

      No.

      The Mukhyamantri Abua Swasthya Suraksha Yojana is a health insurance program launched by the Jharkhand Government to provide free healthcare facilities to low-income families in the state, including those in Ranchi. The scheme aims to help families that could not avail the benefits of the Ayushman Bharat Yojana. Even though Mukhyamantri Abua Swasthya Suraksha Yojana covers 21 serious illnesses, it does not offer complete health coverage for Ranchi residents.

      The table below shows why the Mukhyamantri Abua Swasthya Suraksha Yojana is not enough to provide extensive medicare in Ranchi:

      Category Mukhyamantri Abua Swasthya Suraksha Yojana Private Health Insurance
      Scope of Coverage The Mukhyamantri Abua Swasthya Suraksha Yojana covers 21 critical illnesses, including cancer, heart disease, kidney transplant and liver disease. Private health insurance provides coverage for up to 100 critical illnesses, along with several surgeries, diagnostic tests, maternity care, outpatient care, modern treatments, etc.
      Eligibility
      • The applicant must be a native of Jharkhand.
      • Ayushman Bharat scheme beneficiaries can also get the benefit of this scheme.
      • Families living below the poverty line will be eligible.
      • The applicant must be a pink, green or yellow ration cardholder.
      • No member of the applicant's family should have a government job or be an income taxpayer.
      • The annual income of the family should be less than ₹3 lakh.
      Everyone in Ranchi is eligible to buy private health insurance, depending on their age, health status and budget.
      Sum Insured The Yojana provides coverage up to ₹15 lakh to every eligible family. The sum insured under private health insurance can be as high as ₹6 crore, which may differ depending on your chosen plan and eligibility.

      Wellness and Prevention Tips in Ranchi

      Have a glance at some of the helpful wellness and prevention tips in Ranchi:

      • Use larvicides in water storage containers in Ranchi.
      • Eat balanced meals in Ranchi with plenty of fruits and vegetables.
      • Eliminate standing water in and around your house.
      • Cover trash cans and keep surroundings clean in Ranchi.
      • Include physical activity in your daily routine.
      • Include folate-rich foods like green leafy vegetables.
      • Avoid junk food and opt for nutritious options in Ranchi.
      • Use mosquito repellents and wear long-sleeved clothing to reduce skin exposure in Ranchi.
      • Manage stress with different relaxation techniques like yoga, deep breathing, meditation, etc.
      • Quit smoking to improve overall health in Ranchi.
      book-home-visit
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance Articles

      • Recent Article
      • Popular Articles
      26 Sep 2024

      Can You Get Maternity Insurance If Already...

      Pregnancy is one of the most beautiful phases of a woman’s life

      Read more
      12 Aug 2024

      Moratorium Period in Health Insurance

      Getting a health insurance claim accepted for pre-existing

      Read more
      30 Jul 2024

      Is Dengue Covered by SBI Health Insurance?

      Dengue, a common vector-borne disease, causes high fever, severe

      Read more
      30 Jul 2024

      Is Dengue Covered by Reliance Health Insurance?

      Dengue fever can negatively impact you physically and financially

      Read more
      29 Jul 2024

      Modern Treatments in Health Insurance

      Modern treatments have transformed the healthcare industry with

      Read more

      10 New IRDAI Health Insurance Guidelines in 2024

      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population

      Read more

      Zero Waiting Period in Health Insurance Plans

      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A

      Read more

      How to Apply for Ayushman Bharat Pradhan Mantri...

      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal

      Read more

      Best Health Insurance Plans for Senior Citizens

      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance

      Read more

      10 Major Benefits of Ayushman Bharat Yojana

      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi

      Read more

      *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.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 policybazaar.com. All Rights Reserved.

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL