Relationship manager
For every customer
Health Insurance in Vadodara
Vadodara, fondly known as the 'Sanskari City', ranks among the top 10 cleanest cities in India. Despite this, Vadodara witnesses various infectious vector-borne and water-borne diseases. The treatments for these diseases can adversely affect your savings, creating a financial burden. If you live in this cultural capital of Gujarat, know why purchasing health insurance in Vadodara is necessary.
Policybazaar exclusive benefits
30 minutes claim support##
(In 120+ cities)
24*7 claims assistance
In 30 mins. guaranteed*
Instant policy issuance
No medical tests~
People trust Policybazaar^
13.2 crore
Registered consumers
53
Insurance partners
6.29 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform
Find Affordable Plans With up to 25% Discount**
Select members you want to insure
More Members
Maximum child sum can be 4
-
Home
-
Health Insurance
- Health Insurance in Vadodara
Select location
Detect my location
or
Popular cities
Delhi
Gurugram
Mumbai
Bengaluru
Hyderabad
Pune
Thane
Kolkata
Ahmedabad
Lucknow
Why Do You Need Health Insurance in Vadodara?
Below are some of the top reasons why you need health insurance in Vadodara:
6,54,50,000 Families have Trusted Policybazaar India No. of Claims Settled 8 Lakh Claim Amount Settled 4,007 Crore Vadodara No. of Claims Settled 6 K Claim Amount Settled 27 Crore Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
-
Safeguard Against Vector-Borne Diseases
Vector-borne diseases, such as dengue and chikungunya, are an annual occurrence in Vadodara. As per official records, Vadodara reported 2,296 dengue and 1,673 chikungunya cases in 2021, the highest since 2017. Stagnated sewage water from damaged drainage lines has been contributing to the breeding of mosquitoes responsible for spreading these infectious diseases. In severe cases, you may require hospitalization, even an ICU admission, leading to a significant surge in your hospital bills. However, you can safeguard your finances by opting for health insurance for vector-borne diseases in Vadodara, ensuring treatment without straining your budget.
-
Water-borne Diseases are a Big Problem
Vadodara has been facing the issue of water-borne diseases for years. In 2021, the city was struck by an epidemic of water-related diseases, including cholera, diarrhoea, and vomiting. More than 50% of the people in Vadodara were affected by water-induced ailments such as typhoid, jaundice, cholera, E. coli infections, or dermatological conditions. With the list of health insurance policy in Vadodara, you can easily manage the healthcare costs resulting from the treatment of these water-borne diseases without depleting your savings.
-
Quality Healthcare Facilities
Vadodara is equipped with modern healthcare facilities for planned and emergency treatment. However, these facilities are expensive and, thus, difficult for everyone to afford. To access the quality medical facilities in Vadodara without affecting your savings, you must purchase a comprehensive health insurance plan. Doing so will help you to pay for the treatments of vector-borne and water-borne diseases in the city at an affordable cost.
Major Health Problems in Vadodara
Check out some of the common health problems in Vadodara:
-
Dengue
Dengue has a huge presence in Vadodara. As per reports, more than 2296 cases of dengue were reported in the city in 2021 compared to 231 cases in 2020. In fact, the city saw an alarming trend in dengue cases in 2022, where acute respiratory distress, severe damage to the liver, and hyper-inflammation were witnessed among patients apart from the usual symptoms.
-
Chikungunya
Chikungunya is a highly prevalent vector-borne disease in Vadodara. According to official data, Vadodara reported 1,673 chikungunya cases in 2021 compared to 96 cases in 2020. Water accumulation due to urbanization and construction activities is the leading cause of chikungunya in the city, as it can result in a higher breeding of mosquitoes.
-
Diabetes
Diabetes is a major concern in Vadodara. As per a recent study, 46% of women in nuclear families and 65% of men in joint families in Vadodara are diabetic. Moreover, housewives in Vadodara are more prone to diabetes than working women.
-
Hypertension
Hypertension has a high incidence in Vadodara. According to the National Family Health Survey, 23.8% of men and 24.3% of women above 15 years in Vadodara suffer from high blood pressure. Lack of physical activities, high intake of salt and consumption of processed food are the major reasons for hypertension cases in the city.
-
Acute Diarrhea
Vadodara often faces the issue of acute diarrhoea. As per official data, more than 230 cases of diarrhoea vomiting were reported in 2023 in Vadodara by July. According to experts, diarrhoea, if continued for more than 2 weeks without medical care, can lead to death.
-
Cholera
Cholera is highly prevalent in Vadodara. According to VMC, Vadodara reported around 125 cases of cholera in 2021. Contamination of supply water due to parallel running drainage lines is the biggest reason for cholera cases in the city.
Claims Settled for Major Health Conditions in Vadodara
Infections & Fever
Avg. claim ₹61 K
₹5 Cr
825 Claims
Heart & BP
Avg. claim ₹1 L
₹3 Cr
199 Claims
Injuries & Accidents
Avg. claim ₹1 L
₹2 Cr
234 Claims
Cancer & Blood
Avg. claim ₹2 L
₹2 Cr
101 Claims
Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Health Statistics of Vadodara
Here are the health statistics of Vadodara:
- 15.1% of men and 16.67% of women in Vadodara have diabetes
- Vadodara recorded the highest number of vector-borne disease cases in 2021 since 2017
- Vadodara reported the highest number of chikungunya cases in 2021 in the last 10 years
- Only 22% of citizens receive clean water from the Vadodara Municipal Corporation (VMC)
- Approximately 60% of residents living near wetlands in Vadodara face risks of malaria, cholera, and chikungunya
- Vadodara is one of the most polluted cities in Gujarat
Baps Shastriji Maharaj Hospital ₹32 L Sterling Hospital Vadodara ₹29 L ISHA HOSPITAL ₹26 L Rhythm Heart Institute Vadodara ₹24 L Sterling Hospital ₹23 L Spandan Multispeciality Hospital ₹19 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 Vadodara
Other Popular Hospitals
How Much Health Insurance Coverage Do You Need in Vadodara?
Research indicates that 83.7% of households utilize their savings to pay for medical expenses. Given the increasing healthcare costs, it is crucial to choose an adequate sum insured for your health insurance plan. This coverage amount should be sufficient to cover the treatment of severe illnesses and high-priced medical procedures, operations, and specialized treatments. In fact, experts say that your health insurance coverage should ideally be a minimum of half your yearly earnings.
In a tier-2 city such as Vadodara, buying a health insurance policy coverage of at least Rs 5-10 lakh per person is recommended. Families can opt for a family floater health insurance policy that guarantees a minimum sum insured of Rs 20 lakh to cover the entire family's medical expenses.
Senior citizens living in Vadodara are advised to get a senior citizen health insurance policy with a minimum coverage amount of Rs 15 lakh.
Health Insurance in Vadodara for NRIs
If you are an NRI, health insurance in your foreign country of residence may not cover your medical costs while visiting India. As a result, securing a health insurance policy in Vadodara can benefit both vacation and business visits to the city.
Vadodara's healthcare services are generally more cost-effective than those abroad. Moreover, the premiums for health policies purchased in Vadodara are usually lower than those available abroad. Furthermore, non-resident Indians (NRIs) can avail health insurance for their parents living in Vadodara, providing a safety net for potential medical emergencies.
Additionally, you are eligible for an 18% GST refund on purchasing a health insurance policy in Vadodara if you have already met your tax obligations in your foreign country of residence.
People also read- GST Refund on Health Insurance for NRIs.
Is Government Health Insurance Enough to Cover Medical Expenses in Vadodara?
No.
In 2023, the Government of Gujarat introduced a revised health insurance scheme named Pradhan Mantri Jan Arogya Yojana-Mukhyamantri Amrutam (PMJAY-MA). This scheme doubles the prior coverage, enabling individuals to receive free medical treatment up to Rs 10 lakh.
However, despite its benefits, PMJAY-MA does not offer comprehensive coverage to all the people of Vadodara. To understand why the insurance scheme falls short in covering treatment expenses in Vadodara, consult the table below.
| Categories | Pradhan Mantri Jan Arogya Yojana-Mukhyamantri Amrutam | Private Health Insurance |
| Scope of Coverage | Beneficiary families can avail coverage for around 2,471 types of treatments and surgeries under this health insurance scheme. | You can get extensive coverage for a range of illnesses and medical conditions with a private health insurance plan. |
| Sum Insured | Beneficiaries can get coverage of Rs 10 lakh per family every year. | You can get financial protection with a medical insurance cover for up to Rs 6 crore, depending on your preference and budget. |
| Eligibility | Your annual income must be less than Rs 4 lakh to be a part of this scheme. | Anyone can purchase a personal health insurance plan, depending on their financial and health needs. |
Wellness and Prevention Tips in Vadodara
Given below are some of the wellness tips for people living in Vadodara:
- Keep water containers in the house covered with an airtight lid.
- Use a mosquito net when sleeping at night in Vadodara.
- Eat a balanced diet rich in fruits, vegetables and lean proteins
- Keep the windows and doors of the house closed in the evening.
- Drink lots of fluids, especially water, as diarrhoea and vomiting can cause massive dehydration.
- Prevent water stagnation in Vadodara, as it may serve as a breeding site for mosquitoes.
- Get 7-9 hours of sleep every day in Vadodara
- Maintain cleanliness and dryness in your residences and surrounding areas in Vadodara.
- Avoid eating junk and street food during a cholera outbreak or typhoid.
- Carry hand sanitizer and breathing mask while stepping out in Vadodara.
- Keep your food covered in the kitchen in Vadodara.
- Manage your stress levels with the help of yoga and meditation.
Health insurance companies
@2x.png){kind=logo}
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
Health Insurance Articles
- Recent Article
- Popular Articles
07 Jul 2026
How to Port Senior Citizen Health Insurance Plans?
Senior citizen health insurance portability is the process of
Read more
07 Jul 2026
Health Insurance for Senior Citizens Having...
Living with multiple health conditions can make healthcare more
Read more
30 Jun 2026
How Senior Citizens can File Cashless Claims?
Cashless health insurance claims allow senior citizens to receive
Read more
30 Jun 2026
Why are Health Insurance Claims Rejected for...
Health insurance claim rejections for senior citizens mean more
Read more
29 Jun 2026
Documents Required for Senior Citizen Health...
Filing a health insurance claim involves more than receiving
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.
*₹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. 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 09/06/2027, 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 2008-2025 policybazaar.com. All Rights Reserved.
