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Health Insurance in Visakhapatnam
Visakhapatnam is one of the oldest port cities of India and is commonly referred to as the ‘City of Destiny’. Also considered the ‘Jewel of the East Coast’, the city is famous for its scenic beaches, picturesque landscapes, ancient Buddhist sites and mouth-watering food. Moreover, Vizag offers good healthcare facilities, but they are expensive for most people to afford. Read on to know why you must buy health insurance in Visakhapatnam.
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Why Do You Need Health Insurance in Visakhapatnam?
Check out the reasons why buying health insurance in Visakhapatnam is a smart move:
6,99,50,000 Families have Trusted Policybazaar India No. of Claims Settled 9 Lakh Claim Amount Settled 4,008 Crore Visakhapatnam No. of Claims Settled 26 K Claim Amount Settled 127 Crore Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
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High incidence of Lifestyle Diseases
Lifestyle diseases like diabetes, cancer, hypertension, etc. are increasing rapidly in Visakhapatnam. Not only are these diseases expensive to treat, but the treatment continues for a long time. Moreover, if you end up getting hospitalized for these treatments, it will lead to expensive medical bills. Buying a critical illness insurance policy will help you pay for the treatment of these diseases without creating a financial burden.
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Huge Burden of Vector-borne Disease
Vizag has a massive burden of vector-borne diseases, such as malaria and dengue. According to official reports, Visakhapatnam reported 3000 malaria and 734 dengue cases in 2023. Although most people get cured at home, severe cases require hospitalization, which may churn up a huge bill. However, plans like dengue health insurance and health insurance for malaria can cover the treatment cost of these vector-borne diseases.
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Bad Air Quality
Visakhapatnam has several industries, which makes air pollution a common phenomenon in the city. As per data, the PM2.5 concentration in Vizag air is 5.4 times more than the World Health Organization (WHO)’s recommended annual air quality. Hence, air-borne diseases, such as asthma, bronchitis and other respiratory diseases, often plague residents of the city. In severe cases, the patient may need to be hospitalized, resulting in a huge hospital bill. If you do not want to exhaust your savings in paying medical bills, buying a suitable health plan, such as health insurance for asthma patients, is recommended.
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Compromise on Treatment Quality
Not everybody can afford the best quality medical treatment for their illness, thanks to the rising medical inflation. As a result, many people delay their treatment or compromise on its quality due to financial limitations. However, you can afford quality treatment at the hospital of your choice if you buy the best health insurance.
Major Health Problems in Visakhapatnam
Here are some of the major health problems in Visakhapatnam:
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Cancer
Cancer is extremely common in Vizag. As per the YSR Aarogyasri Health Care trust data, breast cancer accounts for the maximum number of cancer cases, followed by cervical cancer and oral cancer. Tobacco consumption, bad food habits, poor lifestyle and air pollution are the major causes of cancer in the city.
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Diabetes
Diabetes has a high prevalence in Visakhapatnam. According to a study by the National Institute of Health (NIH), around 15.1% of people in urban Vizag suffer from type-2 diabetes. Experts blame stress, obesity and bad food habits for the rising cases of diabetes in this coastal city.
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Malaria
Malaria has a massive presence in Vizag. As per the official data, around 3000 malaria cases were reported in Visakhapatnam in 2023. Stagnant water, mainly due to excessive rain, is responsible for the breeding of mosquitoes that spread malaria.
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Dengue
Dengue is quite a menace in Visakhapatnam. According to official reports, about 734 cases of dengue were reported in Vizag in 2023. Breeding of mosquitoes due to stagnant rainwater in puddles, discarded tyres, empty containers, coconut shells, etc., is the reason for the breeding of mosquitoes that transmit the dengue virus.
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Heart Diseases
Heart diseases are increasing rapidly in Vizag. As per reports, heart attacks among people aged 25 to 44 years in Visakhapatnam are on the rise. Doctors blame hypertension, high cholesterol, obesity and other bad lifestyle habits for the increase in heart diseases in the city.
Claims Settled for Major Health Conditions in Visakhapatnam
Eyes, Ears & Throat
Avg. claim ₹3 L
₹4 L
Lungs & Breathing
Avg. claim ₹2 L
₹2 L
Checkups & Others
Avg. claim ₹4 K
₹10 K
Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Average claim amounts shown are for the top 20th percentile of claims.
Health Statistics of Visakhapatnam
Take a look at some of the health statistics of Visakhapatnam:
- Breast cancer is the most common cancer in Visakhapatnam
- 15.1% of people in urban Vizag have type-2 diabetes
- Vizag reported the highest number of dengue cases in 2022
- Heart attack cases rising among people aged 25-44 years in Vizag
Kokilaben Hospital ₹30 Cr KIMS Hospitals ₹21 Cr Dr B L Kapur Memorial Hospital ₹21 Cr Yashoda hospital ₹17 Cr Deenanath Mangeshkar Hospital ₹15 Cr Apollo Spectra Hospitals ₹14 Cr Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Claim Amount Settled for Top Hospitals in Visakhapatnam
Other Popular Hospitals
How Much Health Insurance Coverage Do You Need in Visakhapatnam?
In Visakhapatnam, you must have a mediclaim insurance policy that sufficiently covers all your medical expenses in the city, especially the treatment cost of a critical illness like kidney failure, heart attack, cancer, etc. Besides, insurance experts recommend buying a health insurance policy with a minimum coverage amount of at least half of your annual income.
Since medical facilities are expensive in Vizag, you should opt for a health policy with a sum insured of ₹5-10 lakh. If you want to cover your entire family in Visakhapatnam, a family floater health insurance policy of ₹20 lakh and above is ideal. Moreover, elderly people above 60 years can go for a senior citizen health insurance policy of at least ₹15 lakh in Vizag.
Health Insurance in Visakhapatnam for NRIs
If you are a non-resident Indian or NRI, you are also eligible to buy medical insurance in Visakhapatnam from any health insurance companies in India. This policy can be used to claim medical expenses incurred during your short-term visit or long-term stay in Vizag. Moreover, you can use the same health insurance for NRIs policy once you move back to Visakhapatnam permanently without the need to serve fresh waiting periods.
Additionally, you can also buy health insurance for parents living in Visakhapatnam. You can use the policy to pay for any emergency or planned medical expenditures your parents incur in Vizag. Besides, you can also get a GST refund of 18% on the health insurance premium paid to an insurance company in India, provided you are a taxpayer 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 Visakhapatnam?
No.
The Government of Andhra Pradesh launched the Dr. YSR Aarogyasri scheme in 2007 to provide free healthcare facilities to low-income families in the state. It provides cashless medical treatment for identified diseases under secondary and tertiary care at empanelled government and private hospitals in the state. However, the scheme is not sufficient to cover all medical expenditures incurred in Vizag.
Take a look at the following table to understand why Dr YSR Aarogyasri scheme is not enough to cover your healthcare expenses in Visakhapatnam:
| Categories | Dr YSR Aarogyasri Scheme | Private Health Insurance |
| Scope of Coverage | The scheme has been designed to provide free quality hospital care to low-income families in Vizag. | Private health insurance plans offer comprehensive medical coverage to everyone in Vizag |
| Sum Insured | It offers a maximum sum insured of up to ₹25 lakh per family. | It offers a maximum sum insured of up to ₹6 crore, depending on your budget, age and preference. |
| Coverage Offered | Dr YSR Aarogyasri health insurance scheme offers coverage for in-patient treatment, OPD treatment, post-hospitalization expenses and PED coverage from day 1. | A private health policy covers the cost of in-patient hospitalization, OPD treatment, pre-hospitalization expenses, post-hospitalization expenses, day care procedures, modern treatments, ambulance charges and many more, depending on the plan you have opted. |
| Surgeries Covered | Around 2,434 surgeries and therapies in 30 specialities are covered. | All surgeries and therapies are covered. |
| Eligibility Criteria | Citizens of Andhra Pradesh Families with an annual income of up to 5 lakh RICE cardholders Families eligible for YSR Pension Kanuka card Families eligible for Jagananna Vidya and Vasathi Deevana card Families with <12 acres of wet land or <35 acres of dry land or <35 acres of wet & dry land Non-government employee/pensioner with an annual income of up to₹5 lakh Families with not more than one personal car Households paying Municipal Property Tax for an area of <300 square feet |
Anyone from Vizag can buy a private health insurance policy. |
Wellness and Prevention Tips in Visakhapatnam
Check out a few wellness tips to stay healthy in Visakhapatnam:
- Quit smoking and consumption of tobacco & tobacco-containing products
- Eat foods that are rich in leafy vegetables and fresh fruits
- Limit the intake of alcohol to stay healthy
- Get vaccinated against Hepatitis B and Human Papillomaviruses
- Exercise regularly to stay active and fit
- Get screened for prevalent cancer regularly for early detection
- Wear full-sleeved clothes to prevent mosquitoes from biting
- Practice yoga or meditation to lower your stress levels
- Prevent stagnant water by covering empty containers with a lid
- Lower the consumption of salt and sugar to keep your blood pressure and diabetes in check
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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*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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