Health Insurance in Hyderabad

Health Statistics of Hyderabad

Given below are some of the health statistics of Hyderabad:

• 30% of people have diabetes and hypertension in Hyderabad
• Hyderabad reports 33% of all chronic diseases in Telangana
• Hyderabad reports the highest number of dengue cases in Telangana
• 45% of patients do not have health insurance in Hyderabad
• One-third of cancer cases in Telangana are reported from Hyderabad

Why Do You Need Health Insurance in Hyderabad?

Take a look at some of the reasons why health insurance in Hyderabad is a must:

1. High Healthcare Costs

   Healthcare services in Hyderabad are pretty expensive. As per the data from hospitals in Hyderabad, people spend about Rs 10,000 to Rs 3 lakh per hospital visit, depending on their medical condition. In fact, ICU admission in the city can easily cost up to Rs 1 lakh per day in some cases. But with mediclaim insurance, you do not have to worry about arranging money as your insurer will take care of your medical bills.

2. High Incidence of Non-Communicable Diseases

   Non-communicable diseases like diabetes, coronary heart disease, hypertension, cancer, etc., are highly prevalent in Hyderabad. Coupled with the high cost of healthcare services in Hyderabad, treatment for non-communicable diseases can exhaust your lifelong savings in a short span. However, you can safeguard your savings if you have critical illness insurance, as your insurance company will pay for your medical bills.

3. Access to Top Quality Medical Treatment

   As we know, healthcare facilities are costly in Hyderabad. As a result, a large number of people compromise on their treatment quality to save money and instead go ahead with an affordable but less impactful treatment. But if you purchase the best health insurance plan, you can get all your medical expenses covered by your insurance provider.

Major Health Problems in Hyderabad

Here are some of the major health problems in Hyderabad:

1. Hypertension

   Hypertension is growing rapidly in Hyderabad. According to reports, the prevalence of hypertension among the younger generation of Hyderabad has increased from 24% to 40% after the COVID-19 pandemic. In fact, the growing numbers hint at Hyderabad becoming the hypertension capital of India.

2. Diabetes

   Diabetes has a major presence in Hyderabad. As per a recent survey, the prevalence of diabetes in Hyderabad has increased from 25% to 33% post-pandemic. In fact, more men in Hyderabad are being diagnosed with diabetes as compared to women in the city.

3. Coronary Artery Diseases

   Coronary artery diseases have a high prevalence in Hyderabad. In fact, they have a 5% incidence among people between the ages of 40 to 60 years in Hyderabad. Moreover, coronary artery disease is one of the most common chronic diseases in Hyderabad.

4. Cancer

   Cancer is growing marginally among the people of Hyderabad. In fact, Hyderabad reports one-third of all the cancer cases in Telangana. While breast cancer is common among women in Hyderabad, oral cancer is a cause of concern for men in the city.

5. Dengue

   Dengue is highly prevalent in Hyderabad. The city contributed 40% of the total dengue cases in Hyderabad in 2023. Officials believe that construction sites in Hyderabad that provide the ideal breeding place for mosquitoes are the reason for dengue in the city.

How Much Health Insurance Coverage Do You Need in Hyderabad?

If you live in Hyderabad, you must buy a medical insurance policy that sufficiently covers all your medical expenses. As a rule of thumb, your health insurance policy should have a sum insured of at least 50% of your annual income. However, make sure that your policy sum insured is sufficient to cover the treatment cost of any chronic disease.

Since healthcare services in Hyderabad are expensive, buying health insurance of at least Rs 10 lakh is a must. If you want to cover your entire policy in a single policy, then family health insurance of Rs 30 lakh or above is recommended.

Similarly, older people above 60 years should purchase a senior citizen health insurance policy of at least Rs 20 lakh.

Health Insurance in Hyderabad for NRIs

NRIs or Non-resident Indians from Hyderabad can also buy health insurance from an insurance company based in India. They can use their health insurance for NRIs policy to pay for the medical expenses incurred while visiting or staying in India. Moreover, they can continue the same policy if they plan to move back to Hyderabad after a few years.

Additionally, NRIs can also purchase health insurance for parents residing in Hyderabad. Doing so will help you to financially support your parents during a medical emergency in Hyderabad. Moreover, the NRI can also get a refund on the GST paid while buying the mediclaim policy in Hyderabad.

You can also read: GST Refund on Health Insurance for NRIs

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

NO.

The Telangana Government offers the Aarogyasri Scheme to provide quality healthcare to families living below the poverty line. However, this scheme does not provide comprehensive coverage against medical expenses in Hyderabad. The following table highlights the reasons why the Aarogyasri scheme is not enough to cover your healthcare costs in Hyderabad:

Wellness and Prevention Tips in Hyderabad

Check out some of the wellness tips to stay healthy in Hyderabad:

• Sleep for at least 7-9 hours daily to keep your heart healthy.
• Exercise regularly in Hyderabad to keep yourself fit.
• Go to bed and wake up at the same time every day to improve sleep.
• Practice yoga and meditation in Hyderabad to stay mentally and physically fit.
• Eat a balanced meal full of fresh fruits, vegetables and protein to boost your immunity.
• Avoid smoking and excessive consumption of alcohol.
• Reduce exposure to ultraviolet rays in Hyderabad.
• Drink at least 2-3 litres of water daily in Hyderabad.
• Avoid eating junk food and processed food in Hyderabad.
• Use mosquito repellents to keep mosquitoes away from yourself in Hyderabad.
• Remove any stagnant water to prevent mosquitoes from breeding in Hyderabad.