Health Insurance in Jaipur

Health Statistics of Jaipur

Check out some of the health statistics of Jaipur:

• Head and neck cancer is the most common in Jaipur
• Jaipur reports the highest number of dengue cases in Rajasthan
• Hypertension is more common among men in Jaipur than women
• Young adults are more prone to chronic kidney disease in Jaipur

Why Do You Need Health Insurance in Jaipur?

Here are some of the reasons why buying health insurance in Jaipur is a good idea:

1. High Incidence of Lifestyle Diseases

   Lifestyle diseases, such as cancer, obesity, hypertension, kidney disease, etc., have a high prevalence in Jaipur. Sedentary lifestyles, lack of physical activities and an increased consumption of junk food are majorly responsible for the rising number of lifestyle diseases in the city. Not only are such diseases life-threatening, but they are also expensive as the treatment goes on for a long time. The only way to afford treatment for such lifestyle diseases without losing your lifelong savings is by buying a critical illness insurance policy.

2. Poor Air Quality

   Air pollution has become a major cause of concern in Jaipur in recent years. As per the Central Pollution Control Board, Jaipur’s Air Quality Index (AQI) fell to 364 in November 2021, i.e. Very Poor category. Moreover, the PM2.5 level in the air increased to 355 on the same day. Long-term exposure to poor air quality can lead to respiratory problems, such as asthma, chronic obstructive pulmonary disease, etc., as well as stroke and diabetes. In such a situation, buying health insurance for asthma is prudent to stay financially prepared for any respiratory condition resulting from breathing poor-quality air.

3. Rising Cases of Vector-borne Diseases

   The incidence of vector-borne diseases, including dengue and malaria, is extremely high in Jaipur. According to the city health department report, Jaipur reports the highest number of dengue cases in Rajasthan. While most people recover from dengue at home, others may require hospitalization if their condition worsens. Even a few days in the hospital can charge you a bill of lakhs of rupees, making a substantial dent in your finances. The best way to obtain the required treatment without exhausting your funds is by purchasing a dengue health insurance plan.

4. No Compromise on Quality of Treatment

   Healthcare facilities in Jaipur can be expensive for a lot of people. As a result, many people compromise on their treatment by getting an alternative but affordable one. However, getting the right treatment at the right time can be the difference between life and death. By buying the best health insurance policy, you can access the best quality treatment for your illness without any compromises.

Major Health Problems in Jaipur

Take a look at the major health problems in Jaipur:

1. Cancer

   Cancer is highly prevalent in Jaipur. As per the National Cancer Registry Programme, 30-45% of all cancer cases in Jaipur are of head and neck cancer due to the high consumption of tobacco in the city. Moreover, breast cancer is the most common cancer among women in Jaipur.

2. Hypertension

   Hypertension cases are growing rapidly in Jaipur. According to reports, high blood pressure is more common among men in Jaipur than women. Obesity along with increased consumption of junk food and salt are majorly responsible for high blood pressure among the people in the city.

3. Dengue

   Dengue is an annual menace in Jaipur. As per the city health department report, Jaipur reported 2,050 cases of dengue last year as of November 22, 2023. Breeding of mosquitoes in stagnant water, especially due to heavy rains, is responsible for high number of dengue cases in the city.

4. Obesity

   Obesity has become quite common in Jaipur. Not just adults but even children in Jaipur are increasingly getting diagnosed with obesity. According to a recent study, more than 7% of children in rural areas of Jaipur suffer from obesity.

5. Chronic Kidney Disease

   Kidney disease is gaining prominence in Jaipur. As per reports, cases of chronic kidney disease (CKD) have increased 2-3 times among the young population of Jaipur, especially men. Bad food habits coupled with a sedentary lifestyle are the reasons behind the rising cases of chronic kidney disease in the city.

How Much Health Insurance Coverage Do You Need in Jaipur?

As per insurance experts, everyone must have a health insurance plan of at least half of their annual income in India. However, as a resident of Jaipur, you should ensure that your mediclaim policy is sufficient to cover all your medical bills in the city, including the treatment cost of major illnesses like kidney disease, heart disease, cancer, etc.

Given the high cost of medical facilities in the city, you must purchase a health insurance policy of at least ₹5-10 lakh in Jaipur. If you want coverage for your entire family, a family health insurance policy of ₹20 lakh and above is recommended. Moreover, people above 60 years should opt for a senior citizen health insurance policy of at least ₹15 lakh.

Health Insurance in Jaipur for NRIs

If you are an NRI arriving in Jaipur, you can also purchase health insurance to cover your medical bills in the Pink City. This health insurance for NRIs policy can provide coverage against hospitalization and other medical expenses incurred during your visit or stay in Jaipur. Moreover, you can continue with the same policy in case you decide to move back to Jaipur eventually.

Besides, you can also buy health insurance for parents living in Jaipur. By doing so, any medical expenses incurred by your parents in Jaipur will be covered by their insurance company, thereby providing the much-needed financial support on your behalf. Additionally, you can obtain a GST refund of 18% on your premiums if you buy the policy from health insurance companies in India.

People also read: GST Refund on Health Insurance for NRIs

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

No.

The Mukhyamantri Chiranjeevi Yojana, launched by the Government of Rajasthan in May 2021, offers free cashless medical treatment to all its beneficiaries in the state. In addition, other residents of Rajasthan can also avail the benefits of this scheme by paying a nominal premium of ₹850 per annum. Despite the availability of this government health scheme, it is not sufficient to cover all your medical expenses in Jaipur.

The following table showcases how the Mukhyamantri Chiranjeevi Yojana is not enough to cover healthcare expenses in Jaipur:

Wellness and Prevention Tips in Jaipur

Given below are some health and wellness tips that you must follow in Jaipur:

• Maintain a healthy diet with lots of leafy vegetables and fresh fruits
• Exercise regularly in Jaipur to stay fit and maintain your body weight
• Practice yoga or meditate to lower your stress levels in Jaipur
• Wear a mask when stepping out in Jaipur to limit the exposure to poor air
• Get at least 7 to 9 hours of sleep every day in Jaipur to rejuvenate and repair your body
• Remove stagnant water or cover water-filled containers in Jaipur to prevent mosquito breeding
• Stop consuming tobacco in Jaipur to prevent the chances of cancer
• Drink at least 2-3 litres of water every day to flush out toxins from your body
• Reduce the consumption of junk food, excess salt and sugar to keep your BP and sugar levels in control
• Wear full sleeves clothes or use mosquito repellent to prevent a mosquito bite in Jaipur