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Health Insurance in Surat
Surat, with its titles of “The Silk City” and “The Diamond City,” is a great example of progress and tradition. This 8th largest city in India is well-known for its thriving diamond and textile industries. Surat also provides excellent healthcare facilities with advanced hospitals and skilled doctors but at a high price. To avoid draining your savings on medical bills, having health insurance in Surat is essential.
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Why Do You Need Health Insurance in Surat?
Check out the reasons to buy health insurance plans in Surat:
6,45,50,000 Families have Trusted Policybazaar India No. of Claims Settled 8 Lakh Claim Amount Settled 4,007 Crore 0 No. of Claims Settled 7 K Claim Amount Settled 29 Crore Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
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Prevalence of Lifestyle Diseases
Lifestyle diseases, such as obesity, diabetes, and hypertension, are becoming major health concerns in Surat. According to the latest National Family Health Survey (NFHS-5), over 4.93 lakh women aged 15-49 years in Surat are classified as overweight/obese, and around 4.60 lakh women in the same age group suffer from hypertension. While mild cases can be managed at home, severe conditions may require hospitalisation, which could drain your savings. Opting for health plans, like health insurance for high blood pressure and health insurance for diabetes, can help you get the necessary treatment, with your insurer taking care of all your medical bills.
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High Incidence of Infectious Diseases
Surat has been witnessing a significant surge in infectious diseases, such as diarrhoea and gastroenteritis. According to the Surat Municipal Corporation, 1098 gastroenteritis cases were recorded in Surat in 2022. Treating these infectious diseases can be expensive, especially if it requires hospitalisation. But with comprehensive health insurance, you can receive top-quality treatment without any financial stress.
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Rising Medical Costs
The improving healthcare infrastructure in Surat has led to a rise in the cost of medical facilities. For example, the average cost of a coronary angioplasty in Surat is around ₹3.30 lakh, while the price can reach up to approximately ₹4.10 lakh. Given these high costs, many families may struggle to afford necessary treatments. This makes it essential to have mediclaim insurance that provides coverage between ₹5-10 lakh.
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Access to High-Quality Treatment
Surat offers advanced medical care, but the cost can be expensive for many. As a result, some residents opt for lower-quality or less effective treatment options to save money. By investing in health insurance, people in Surat can access the best medicare services without compromising their financial well-being.
Major Health Problems in Surat
Listed below are the major health problems in Surat:
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Anaemia
Anaemia cases are rising alarmingly in Surat, especially among women and children. As per NFHS-5 data, over 13.6 lakh women aged 15-49 years and around 4.3 lakh children under 5 years of age are affected by anaemia in Surat. The leading causes of anaemia in the city are poor intake of iron-rich and vitamin C-rich foods among people.
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Obesity
Obesity has a high incidence in Surat, particularly among women. The National Family Health Survey-5 reveals that around 4.93 lakh women, aged between 15-49 years, are obese/overweight in Surat. This high number is mainly due to lack of sleep, poor eating habits, high stress levels, and insufficient physical activity.
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Hypertension
High blood pressure, or hypertension, is another significant health issue in Surat. According to the National Family Health Survey (NFHS)-5, over 4.6 lakh women in Surat, in the age group of 15-49 years, are suffering from hypertension. Factors like high salt intake, lack of exercise, and stress might play a role in the growing number of cases.
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Diabetes
Diabetes is another common lifestyle disease affecting Surat's population. According to the fifth round of the National Family Health Survey, over 2.87 lakh women in Surat, aged 15-49 years, are diabetic. A growing preference for sugary and processed foods, along with increasing obesity cases, are responsible for diabetes issues in Surat.
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Diarrhoea
The number of diarrhoea cases has been increasing in Surat. A city-wide health survey in July 2023 reported 241 cases of diarrhoea in Surat within the first four days. The likely reasons for this rise include poor sanitation, unsafe drinking water, and lack of proper hygiene practices.
Claims Settled for Major Health Conditions in India
Infections & Fever
Avg. claim ₹49 K
₹5 Cr
1 K Claims
Injuries & Accidents
Avg. claim ₹1 L
₹3 Cr
270 Claims
Stomach & Digestion
Avg. claim ₹79 K
₹2 Cr
319 Claims
Cancer & Blood
Avg. claim ₹3 L
₹2 Cr
79 Claims
Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Health Statistics of Surat
Have a glance at the recent health statistics of Surat:
- 84% of children and 69% of women in Surat are anaemic.
- 25% of women in Surat are obese/overweight.
- 23% of Surat women are affected by hypertension.
- 15% of women have diabetes in Surat.
- Surat recorded nearly 1100 gastroenteritis cases in 2022.
EXCEL HOSPITAL ₹22 L Shalby Hospital Surat ₹20 L UNITY TRAUMA CENTER AND ICU ₹20 L Marina Grand Hospital ₹19 L SURAT ONCOLOGY CENTER ₹17 L INS HOSPITAL ₹17 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 India
Other Popular Hospitals
How Much Health Insurance Coverage Do You Need in Surat?
To stay financially protected during unforeseen medical circumstances, insurance experts recommend that your health insurance coverage should be at least 50% of your annual income. Moreover, you must choose a plan that is sufficient to cover the high treatment costs of critical illnesses, such as kidney failure, cancer, stroke, etc.
In a city like Surat, where healthcare expenses are rising, having an individual mediclaim policy with coverage of around ₹5-10 lakh should suffice. However, when it comes to insuring the entire family, it is better to opt for a family health insurance plan with a sum insured of ₹20 lakh or more.
For elderly residents in Surat, buying a senior citizen health insurance plan with a minimum sum insured of ₹15 lakh is essential.
Health Insurance in Surat for NRIs
Non-resident Indians, or NRIs, from Surat can buy medical insurance from any of the health insurance companies in India. This health insurance for NRIs policy will cover all healthcare expenses throughout their stay in Surat. In fact, if NRIs wish to return to Surat after a few years, they can continue using the same policy without worrying about serving any fresh waiting periods.
NRIs can also purchase health insurance for parents living in Surat to protect them from the financial burden of covering unanticipated medicare costs. Moreover, NRIs are eligible to receive an 18% GST refund on health insurance premiums paid in India, provided they comply with the tax regulations 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 Surat?
No.
The Gujarat Government launched the Pradhan Mantri Jan Arogya Yojana - Mukhyamantri Amrutum (PMJAY-MA) on September 4, 2012. This government health insurance scheme aims to provide healthcare assistance to people living Below the Poverty Line (BPL) and lower-middle-class families in Gujarat, including those living in Surat. Though it covers medical treatment expenses, diagnostic tests and post-hospitalisation costs, it still falls short of offering complete medicare in Surat.
Take a look at the table below to see why the PMJAY-Mukhyamantri Amrutum Yojana is not enough to cover all medical expenses in the city:
| Category | Pradhan Mantri Jan Arogya Yojana - Mukhyamantri Amrutum (PMJAY-MA) | Private Health Insurance |
| Sum Insured | The Yojana provides an annual health cover of up to ₹10 lakh per family. | Private health insurance plans in Surat provide coverage for up to ₹6 crore, depending on the opted plan. |
| Scope of Coverage | Various medical treatments and diseases, such as cancer treatment, polytrauma, kidney surgery, etc., are covered under the PMJAY-MA. | It covers a wide range of procedures, including in-patient care, modern treatments, pre and post-hospitalisation expenses, critical illnesses, day care procedures, heart surgeries, outpatient treatments, mental health disorders, and more. |
| Who is Eligible? | Families with an annual income of up to ₹4 lakh Senior citizens from families with an annual income of up to ₹6 lakh ASHA workers UWIN cardholders Class 3 and 4 government employees on fixed pay State government employees and pensioners Registered construction workers and their families Residents of old age homes, government Mahila ashrams, and government orphanages Ashram Shala students. |
Private health insurance plans are available to all Surat residents based on their age, health status, and budget. |
| Hospitals Covered | Both private and government hospitals are covered under the Pradhan Mantri Jan Arogya Yojana - Mukhyamantri Amrutum. | With private health insurance plans, cashless treatment facilities are available across all hospitals in Surat. |
Wellness and Prevention Tips in Surat
Here are some of the wellness and prevention tips for Surat residents:
- Drink plenty of water daily to prevent dehydration in Surat.
- Add high-fibre foods to your diet, like fruits and vegetables.
- Exercise for at least 30 minutes regularly in Surat.
- Limit consumption of processed and fried foods to reduce obesity risk in Surat.
- To cure anaemia in Surat, include spinach, beans, and other iron-rich foods in your diet.
- Practice relaxation techniques like meditation to manage hypertension in Surat.
- Eat homemade food over junk food to keep yourself healthy.
- Get at least 7-9 hours of sleep every day to rejuvenate your body.
- Limit the consumption of excess sugar to keep diabetes at bay.
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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