Health Insurance in Ludhiana starting at just ₹8/Day*

Health Statistics of Ludhiana

Listed below are some of the recent health statistics of Ludhiana:

Ludhiana recorded the highest number of swine flu cases in 8 years in 2024.
78% of children and 65% of women are anaemic in Ludhiana.
45% of women in Ludhiana are obese/overweight.
Hypertension affects 26% of women in Ludhiana.
15% of women in Ludhiana are diabetic.
Obesity/overweight cases increased by 5% among children in Ludhiana.

Why Do You Need Health Insurance in Ludhiana?

Check out the reasons why you need to invest in health insurance in Ludhiana:

Rising Lifestyle Diseases

Ludhiana is witnessing a rise in lifestyle diseases, such as hypertension, obesity/overweight, and diabetes. According to the fifth round of the National Family Health Survey (NFHS), more than 5 lakh women aged 15-49 years have obesity/overweight issues in Ludhiana. In fact, nearly 2.9 lakh women in the same age group are affected by hypertension. Visiting a doctor to get these diseases treated can burn a hole in your pocket. However, by buying mediclaim plans, such as health insurance for high blood pressure, you can obtain quality treatment without any financial burden.
Surge in Vector-Borne Diseases

Vector-borne diseases, especially dengue, are a significant concern in Ludhiana. According to the official data, Ludhiana recorded the highest number of dengue cases in 2023. Since severe dengue cases may require hospitalisation, it is ideal to protect yourself in advance from costly medical bills with a dedicated dengue health insurance plan.
Prevalence of Respiratory Illnesses

Swine flu or H1N1 fever is highly prevalent in Ludhiana. According to official data, Ludhiana reported 90 swine flu cases by September 2024, the highest in eight years. While preventive measures are crucial, having a health plan that covers respiratory illnesses can provide financial support if hospitalisation is required.
Increasing Medical Expenses

Like most tier-2 cities, healthcare costs are rising in Ludhiana. For example, the cost of heart surgery in Ludhiana ranges between ₹2-3 lakh. Such high medical expenses can be a burden for many residents seeking treatment. However, with health insurance plans offering coverage of ₹5-10 lakh, the insurer can cover all your medical costs.

Major Health Problems in Ludhiana

The following are the major health concerns in Ludhiana:

Anaemia

Anaemia is a serious health concern in Ludhiana, especially among women and children. According to the National Family Health Survey (NFHS)-5, more than 7 lakh women aged 15-49 years are anaemic in Ludhiana. Additionally, anaemia cases among children below 5 years in Ludhiana have increased by 17%. The primary reasons for such a huge burden of anaemia in Ludhiana include deficiency of iron, vitamin B12, and folate.
Swine Flu

H1N1 fever, or swine flu, is on the rise in Ludhiana. According to the District Health Department, Swine flu cases in Ludhiana have increased by 172.72% as of September 2024 compared to the previous year. The Punjab Indian Medical Association (IMA) has urged Ludhiana residents to get vaccinated, maintain good hygiene, and avoid crowded places to prevent the spread of this respiratory illness.
Obesity

Obesity rates are also increasing in Ludhiana, particularly among women. According to the National Family Health Survey-5, obesity/overweight cases have increased from 35% to 45% among women in Ludhiana who fall in the age bracket of 15-49 years. This 10% increase in obesity/overweight cases is attributed to poor dietary choices, lack of exercise, and insufficient sleep.
Diabetes

Diabetes is another major health challenge in Ludhiana. As per NFHS-5, over 1.7 lakh women in the age group of 15-49 years are diabetic in Ludhiana. Both genetic and lifestyle factors contribute to this high prevalence of diabetes in the city.
Hypertension

Hypertension, or high blood pressure, has a high incidence in Ludhiana. The NFHS-5 data reveals an 11% increase in hypertension cases among women aged 15-49 years in Ludhiana compared to previous findings. Experts believe that obesity, sedentary lifestyles, and unhealthy eating habits are responsible for this surge.
Dengue

Dengue fever is a recurring problem in Ludhiana, mainly during the monsoon season. According to the data from the last five years, Ludhiana witnessed the highest number of dengue cases in 2023. The city's climate, especially during the rainy season, creates ideal breeding conditions for the Aedes mosquito, which spreads this disease.

How Much Health Insurance Coverage Do You Need in Ludhiana?

Insurance experts in India recommend purchasing a health insurance policy with a minimum coverage equal to half of your yearly income. Additionally, you must choose a mediclaim plan that can cover the expenses of treating critical illnesses, like heart attack, cancer, etc., prevalent in the city.

In Ludhiana, to ensure proper coverage for medical expenses, opting for an individual health insurance plan with a coverage of ₹5-10 lakh is recommended. For family coverage, a family floater health insurance plan with a minimum sum insured of ₹20 lakh is advisable.

Similarly, for senior citizens in Ludhiana, a senior citizen health insurance policy with a coverage of ₹15 lakh or more is suitable.

Health Insurance in Ludhiana for NRIs

Non-Resident Indians (NRIs) from Ludhiana can easily purchase medical plans from any health insurance companies in India. The policy will cover their healthcare expenses during short visits or extended stays in Ludhiana. In fact, if NRIs decide to return to Ludhiana permanently, they can continue using the same health insurance for NRIs policy without serving additional waiting periods.

NRIs can also buy health insurance for parents residing in Ludhiana, ensuring their medical bills are taken care of by the insurance provider. Moreover, NRIs can claim an 18% GST refund on the mediclaim insurance premium paid for a policy purchased in India, provided they meet the tax requirements in their country of residence.

People also read: GST Refund on Health Insurance for NRIs

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

No.

The Government of Punjab introduced the Ayushman Bharat PM-JAY Mukh Mantri Sehat Bima Yojana (AB PM-JAY MMSBY) in August 2019 to provide affordable medical treatment to the economically weaker sections of society. This scheme extends health coverage to around 65% of Punjab's population, including residents of Ludhiana. While the scheme covers many medical treatments and procedures, it might not be enough to meet the rising healthcare costs in Ludhiana.

Check out the table below to understand why the Ayushman Bharat PM-JAY Mukh Mantri Sehat Bima Yojana is insufficient to provide comprehensive health protection to Ludhiana residents:

Category	Ayushman Bharat PM-JAY Mukh Mantri Sehat Bima Yojana (AB PM-JAY MMSBY)	Private Health Insurance
Sum Insured	The AB PM-JAY MMSBY scheme provides an annual health insurance coverage of ₹5 lakh per family.	The coverage under private health plans can be as high as ₹6 crore, varying on the basis of the opted plan.
Scope of Coverage	The Ayushman Bharat PM-JAY Mukh Mantri Sehat Bima Yojana covers secondary and tertiary care hospitalisation only.	Private health insurance extends coverage for primary, secondary, and tertiary care hospitalisation at all hospitals in Ludhiana.
Who is Eligible?	Families with NFSA Ration Card SECC families Farmers Journalist Construction worker Small traders	Anyone in Ludhiana can purchase private health insurance based on their health condition and age.
Procedures Covered	The scheme covers 1,579 treatment packages for secondary and tertiary care hospitalisation (in-patient services).	It covers a broad range of procedures, including in-patient treatments, modern treatments, pre and post-hospitalisation expenses, maternity expenses, outpatient treatments, day care procedures, critical illnesses, etc.
Pre and Post-Hospitalisation Coverage	It covers up to 3 days of pre-hospitalisation and 15 days of post-hospitalisation costs.	Private health plans typically cover up to 60 days of pre-hospitalisation and 90 days of post-hospitalisation, depending on the plan.
Network Hospitals	Under this Yojana, cashless and paperless treatment is available at both government and empaneled private hospitals.	With private health insurance, you can obtain cashless treatment at any hospital in Ludhiana.

Wellness and Prevention Tips in Ludhiana

Have a glance at some of the wellness and prevention tips to maintain good health in Ludhiana:

Engage in at least 30 minutes of physical activity per day in Ludhiana.
Include iron and fibre-rich foods in your diet.
Limit sugar and refined carbs to support cardiovascular health in Ludhiana.
Sleep 7-9 hours a night to support weight management.
Wear a mask in crowded places during flu season in Ludhiana.
Practice deep breathing or meditation in Ludhiana to reduce stress.
Wear long sleeves and pants to minimise skin exposure in Ludhiana.
Stay hydrated by drinking plenty of water throughout the day.
Maintain proper hygiene to discourage mosquito breeding in Ludhiana.
Avoid touching your face, especially your mouth and eyes, to reduce the risk of flu in Ludhiana.
Boost your immunity with foods rich in vitamins C and D.

Health insurance companies

View more insurers

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