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Ahmedabad is one of Gujarat’s fastest-growing cities, which is not only known for its rich culture and booming economy but also for its rapidly advancing healthcare facilities. With healthcare expenses increasing every year here, having the right medical cover is no longer a choice but a necessity.
Having a good health insurance plan in Ahmedabad helps you manage unexpected hospital bills and also ensures access to quality treatment without financial stress. Whether you are searching for an affordable family floater plan, senior citizen coverage, or a comprehensive individual policy, there is a wide range of options to choose from.
Why Do You Need Health Insurance in Ahmedabad?
Ahmedabad has a growing healthcare infrastructure and a busy urban lifestyle. However, with rising medical expenses, having a health insurance plan is essential. Here are some key reasons why you should consider having a health insurance policy in Ahmedabad:
Rising Healthcare Costs
Some leading hospitals in Ahmedabad provide advanced treatments, but the cost of hospitalisation has steadily increased in recent years. In urban regions, households spend an average of ₹7,711 annually on hospitalisation costs (1). Hence, having a health insurance policy ensures that you can access quality healthcare without draining your savings.
Climate-Linked Health Risks
Being one of the fastest-growing cities, Ahmedabad faces challenges like increasing air pollution and extreme heat during summers (2). These factors contribute to respiratory problems, heat-related illnesses, and other chronic conditions. Medical insurance ensures you are covered for frequent hospital visits arising from such health risks.
High Prevalence of Lifestyle Problems
In Ahmedabad, studies find that 1 in 4 people are hypertensive (high blood pressure) from screenings done in city hospitals (3). Having health insurance helps cover diagnostics, medications, and long-term treatments for such conditions so they don’t become overwhelming financially.
Why Healthcare is Becoming Costlier in Ahmedabad?
Ahmedabad has many renowned hospitals offering advanced treatments and modern facilities. While this progress has improved access to quality medical care, it has also led to a steady rise in treatment costs across the city.
Here are some of the main reasons why healthcare is becoming costlier in Ahmedabad:
- Advanced Medical Technology: Ahmedabad’s hospitals are investing heavily in advanced tools, robotic surgeries, and efficient diagnostic machines, increasing the overall cost of treatment.
- Rising Burden of Chronic and Lifestyle Diseases: With more cases of diabetes, hypertension, cardiac ailments, and respiratory illnesses being reported, hospitals are seeing higher demand for specialised care.
- High Incidence of Vector-Borne and Water-Borne Diseases: Ahmedabad frequently experiences seasonal outbreaks of diseases such as dengue, malaria, and cholera, particularly during the monsoon season (4). Treating these conditions often requires long hospitalisation, lab tests, and prolonged medication, which add to overall healthcare costs.
- Shortage of Skilled Healthcare Professionals: The growing demand for doctors, nurses, and paramedical staff in Ahmedabad has led to increased consultation fees. This directly contributes to higher hospital bills and treatment charges.
What is the Treatment Cost for Major Health Problems in Ahmedabad?
The cost of managing significant health issues in Ahmedabad, from treatments to critical surgeries, is consistently increasing.
According to Digit, here are some of the major health problems affecting residents of Ahmedabad between 2024 and 2025, along with their average treatment costs:
Disclaimer: The major health problems and costs presented above are based on internal health insurance claims from Go Digit General Insurance (FY 2024–25) and historical trends backed by data sources from research. Treatment costs may vary depending on factors such as the type of hospital, location, illness severity, and duration of care. For accurate diagnosis, treatment, and insurance coverage details, please consult a qualified healthcare professional or your insurance provider.
Does Health Insurance Cover the Cost of Treatment for Major Diseases in Ahmedabad?
Yes, most of the major health problems in Ahmedabad, such as kidney disease, dengue, heart disease, and bronchitis, are typically covered under standard health insurance plans with critical illness coverage.
However, coverage can vary depending on the condition, waiting period and the policy terms. Here is what is usually covered:
- Major Illnesses: Diseases like cancer, heart problems, kidney issues, and strokes are usually covered under most health insurance plans.
- Lifestyle Diseases: Common diseases in Ahmedabad, such as diabetes, high blood pressure, and obesity, are addressed. These need regular check-ups, medicines, and sometimes hospitalisation.
- Waiting Periods Apply: Coverage for major diseases often comes with a waiting period in health insurance, usually 1 to 3 years.
- Critical Illness Benefits: Some plans offer a lump sum payout upon diagnosis of a listed major illness, which can be used for treatment or recovery.
Which Health Insurance Policy is Right for You in Ahmedabad?
Choosing the right type of health insurance depends on your life stage, family setup, and health needs. Here’s a breakdown of which type of policy may suit you best based on common scenarios in Ahmedabad:
Note: The recommendations provided in the table are general guidelines based on typical healthcare needs and cost trends in Ahmedabad. Actual requirements may vary depending on individual health conditions, age, lifestyle, and financial situation.
Tips to Choose the Right Health Insurance Policy for You & Your Family in Ahmedabad
Choosing the right health insurance policy in Ahmedabad with an adequate sum insured can feel overwhelming, given the wide range of plans available. Here are some practical tips to help you make a well-informed decision:
Understand Ahmedabad’s Healthcare Costs
A single day in a private hospital in Ahmedabad can range from ₹4,000 to ₹11,000, while surgeries and critical treatments can run into lakhs. (5)
Rising Health Risks
Ahmedabad experiences seasonal spikes in vector-borne and waterborne diseases, particularly during the monsoon. Selecting a policy with hospitalisation and critical illness coverage ensures you are financially protected against such city-specific risks.
Age & Lifestyle
Healthcare evolves with age & lifestyle, hence you must opt for a higher sum insured if you are planning for a family or have senior citizens.
Family Size
Covering all family members under one policy is a smart way to safeguard everyone against unexpected hospitalisation costs.
Health Conditions
If your family has a history of chronic conditions or if lifestyle diseases and seasonal illnesses like dengue or malaria are common in Ahmedabad, opting for higher coverage is recommended.
Premium Affordability
Find the right balance between good coverage and what you can afford yearly. Consider a super top-up plan to boost your coverage at a low premium.
How Much Ideal Health Insurance Coverage Do You Need in Ahmedabad?
Ahmedabad’s hospitals, ranging from well-known private facilities to government centres, have varying treatment costs for different illnesses, so choosing adequate coverage is crucial to avoid out-of-pocket expenses.
Here's the ideal sum insured in Ahmedabad, one must definitely consider:
Note: The recommended health insurance coverage provided by Digit is a general suggestion based on current healthcare trends and average medical costs in Ahmedabad. These figures are intended for informational purposes only and may vary depending on individual health conditions, lifestyle, age, and financial circumstances.
Digit recommends having this coverage because:
- It covers the rising hospitalisation costs in Ahmedabad
- Protects against major surgeries, such as cancer, bypass procedures, etc
- Reduces out-of-pocket expenses during multiple hospitalisations
- Ensures peace of mind during medical emergencies
- Additionally, you must have a super top-up plan to cover the extra cost
Choose Health Insurance Coverage of Your Choice
Expert Recommendations for Choosing the Ideal Health Coverage in Ahmedabad
Choosing the right health insurance coverage with adequate sum insured in Ahmedabad requires careful consideration of the city’s healthcare costs, prevalent health risks and the specific needs of your family.
Evaluating several key factors before finalising a policy, such as your age, overall health condition, family members or dependents living with you, frequency of visits to a hospital and your corporate health plans.
For those looking for affordable options, starting with a base coverage of around ₹10 - 15 lakh sum insured and then adding a super top-up plan or additional riders can offer a flexible way to expand protection over time.
Vivek Chaturvedi
CMO & Head of Direct Sales
How Much Does Health Insurance Premium Cost in Ahmedabad?
The price of health insurance in Ahmedabad depends on factors such as your age, family size, chosen sum insured, and medical history.
As you age, the likelihood of health issues rises, which naturally affects the premium. To give a clear picture, here’s an example showing how the health insurance premium for Digit’s Infinity Wallet Plan with a ₹10 lakh sum insured changes at different age milestones for Ahmedabad residents.
Disclaimer: The premium amounts listed above are indicative and based on publicly available data for Digit’s Infinity Wallet Plan with ₹10 lakh sum insured. Actual premiums may vary depending on factors such as the applicant’s exact age, location, medical history, lifestyle habits, and chosen add-ons.
What's Great about Health Insurance in Ahmedabad by Digit?
Key Benefits of Health Insurance in Ahmedabad by Digit
Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key benefits:
Health Insurance Plans in Ahmedabad
Enhance your health insurance policy with customisable add-ons at Digit. Here is the list of add-ons available that provide you with additional layers of protection beyond the basic coverage of your policy:
Double Wallet Plan
Get 100% Sum Insured Backup from Day 1 with no Exhaustion Clause and coverage for both Related and Unrelated Illnesses. Ideal for people who are looking for an affordable health insurance.
Infinity Wallet Plan
Get Unlimited Sum Insured Backup from Day 1 with no Exhaustion Clause. Ideal for people wanting comprehensive coverage and additional benefits.
Worldwide Treatment Plan
Ideal for people who want to get the best treatment anywhere in the world. Also, get 100% Sum Insured Backup (for treatment only in India) with no Exhaustion Clause.
What’s Covered in the Health Insurance Plans Offered by Digit in Ahmedabad?
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
All Hospitalisation - due to Accident, Illness, Critical Illness or COVID
This covers for all hospitalisation expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalisations, as long as the total expenses are up to your sum insured.
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Initial Waiting Period
You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.
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Wellness Program
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
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Sum Insured Back Up
We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .
Once in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.
Unlimited Reinstatement in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.
Once in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.
Cumulative Bonus
Digit Special
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
10% of Base Sum Insured for every claim free year, up to max 100%.
50% of Base Sum Insured for every claim free year, up to max 100%.
50% of Base Sum Insured for every claim free year, up to max 100%.
No Room Rent Capping
Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..
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Day Care Procedures
Health insurance covers medical expenses only for hospitalisations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.
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Worldwide Coverage
Digit Special
Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!
×
×
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Health Check-up
We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.
0.25% of Base Sum Insured, Max up to ₹ 1,000 after every two years.
0.25% of Base Sum Insured, Max up to ₹ 1,500 after every year.
0.25% of SI up to ₹ 2,000 after every year.
Emergency Air Ambulance Expenses
There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.
×
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Age/Zone Based Co-payment
Digit Special
Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.
No Co-payment
No Co-payment
No Co-payment
Road Ambulance Expenses
Get reimbursed for the expenses of road ambulance, in case you are hospitalised.
1% of Base Sum Insured, Max up to ₹ 10,000.
1% of Base Sum Insured, Max up to ₹ 15,000.
1% of Base Sum Insured, Max up to ₹ 10,000.
Pre/Post Hospitalisation
This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.
30/60 Days
60/180 Days
60/180 Days
Other Features
Pre-Existing Disease (PED) Waiting Period
The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.
3 Years
3 Years
3 Years
Specific Illness Waiting Period
This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 1-3 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.
1-3 Years
1-3 Years
1-3 Years
Inbuilt Personal Accident Cover
If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.
₹ 50,000
₹ 1,00,000
₹ 1,00,000
Organ Donor Expenses
Digit Special
Your organ donor gets covered in your policy. We also take care the pre and post hospitalisation expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!
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Domiciliary Hospitalisation
Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.
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Bariatric Surgery
Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalisation for this treatment is for cosmetic reasons.
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Psychiatric Illness
If due to a trauma, a member has to be hospitalised for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.
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Consumables Cover
Before, during & after hospitalisation, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.
Available as an Add-On
Available as an Add-On
Available as an Add-On
What’s Not Covered in Your Health Insurance Policy in Ahmedabad?
Add-on Options with Health Insurance by Digit in Ahmedabad
Enhance your coverage with add-ons in health insurance policy at Digit that provide you with additional layers of protection beyond the basic coverage of your policy:
Consumable Cover
By paying a small additional premium, you can get coverage for non-medical expenses like gloves, masks, and other consumables during hospitalisation, once your base claim is approved.
Infinite Cumulative Bonus
Pay a small additional premium and receive 100% of your base sum insured as a bonus every year, regardless of claims. This add-on can grow infinitely, offering enhanced coverage year after year.
Smart Save
Pay a lower premium by opting for Smart Save, where specific treatments like cataract, knee replacement, angioplasty, etc, come with sum insured capping.
How to Buy a Health Insurance Policy Online in Ahmedabad?
Buying health insurance online is simple and hassle-free. If you're planning to purchase a policy from Digit, here’s a step-by-step guide to help you through the process:
Enter Basic Details
Visit the Digit app or website. Enter your PIN code and mobile number, select your preferred health insurance plan and provide age details, family members covered, etc.
Choose Plan & Add Member Details
Compare & select the plan, sum insured, add-on covers and apply any available discounts to get the final premium amount. Further provide the member details for everyone you’re covering.
Make Payment & Submit KYC
Once done, proceed to make the premium payment and submit your KYC documents to complete the purchase process.
Final Review & Processing
Now, your application undergoes a brief review process. Digit may request a health declaration, lifestyle information, or medical details & reports if required. Now, based on your medical underwriting, your policy will be issued and sent to your email. You can also access it anytime through the Digit app.
Benefits of Purchasing Health Insurance Policy in Ahmedabad
Buying a health insurance policy in Ahmedabad has many advantages, helping you and your family stay protected against rising medical costs and unexpected health emergencies. Some key benefits include:
- Financial Protection Against High Medical Costs: Ahmedabad’s private hospitals offer advanced medical care, but treatment costs can be high. Health insurance ensures that hospitalisation, surgeries, and critical treatments do not put a strain on your savings.
- Access to Quality Healthcare: With a health insurance policy, you can avail a cashless health insurance treatment at network hospitals in Ahmedabad. This allows you to access quality healthcare without worrying about immediate out-of-pocket expenses.
- Coverage for Pre-existing and Lifestyle Diseases: Many plans cover chronic and lifestyle-related conditions such as diabetes, hypertension, cardiac issues, and respiratory problems. This is particularly important in Ahmedabad, where lifestyle diseases and seasonal illnesses like dengue are common.
- Tax Benefits: Under Section 80D of the ITA, health insurance policyholders can claim a yearly tax benefit on health insurance premium payments.
- Peace of Mind: Knowing that you have financial support for medical emergencies allows you to focus on recovery and overall well-being, rather than worrying about the cost of treatment.
Things to Consider Before Buying Health Insurance in Ahmedabad
Before purchasing a health insurance policy in Ahmedabad, it’s important to evaluate several factors to ensure you get the coverage that best suits your needs and budget. Key considerations include:
- Understand Your Healthcare Needs: Consider your age, existing health conditions, family medical history, and lifestyle. Ahmedabad’s urban lifestyle often leads to issues like diabetes, hypertension, and respiratory problems. Before choosing any plan, consider all these factors to get extensive health insurance for yourself.
- Check the Coverage and Sum Insured: Choose a sum insured that can cover hospitalisation, surgeries, and critical treatments in Ahmedabad’s private hospitals. Also, consider future medical inflation to avoid any out-of-pocket expenses.
- Network Hospitals in Ahmedabad: Check if your preferred hospitals are included in the insurer’s network for cashless treatment. A wider network ensures easier access to quality care during emergencies.
- Review the Waiting Period: Most health insurance policies include a waiting period for certain benefits, particularly for pre-existing diseases (PEDs). This means that these conditions won’t be covered immediately after you buy the policy. For example, most plans have a waiting period of 1 to 3 years for pre-existing illnesses like diabetes or hypertension. If you already have a known medical condition, it’s important to choose a plan with a shorter waiting period to ensure timely coverage.
- Policy Inclusions and Exclusions: Understand what the policy covers and what it doesn’t. Look for coverage of pre-existing conditions, maternity, critical illnesses, outpatient treatments, and hospital room categories.
- Check for Add-On Covers: Add-ons are optional benefits you can include in your policy for extra protection. Popular add-ons include consumable cover, waiting period modifications and cumulative benefit. Make sure they align with your needs.
- Premium Affordability and Top-Up Options: Always compare premiums with the coverage. Try balancing adequate coverage with an affordable premium. Consider super top-up plans to enhance coverage without significantly increasing costs.
- Claim Settlement Ratio & Customer Service: Choose an insurer with a high claim settlement ratio and efficient customer support. This ensures smooth processing of claims when you need it most.
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With seasonal spikes in vector-borne and water-borne diseases during the monsoon, rising pollution-related respiratory issues, and the increasing prevalence of lifestyle diseases among urban residents, medical emergencies can be both frequent and costly in Ahmedabad.
By buying health insurance in Ahmedabad, considering the health risks, hospital networks, and treatment costs, residents can secure both peace of mind and comprehensive protection tailored to the city’s unique challenges.