Health Insurance in Bangalore
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Bangalore, often referred to as the Silicon Valley of India, is not just a tech hub but also a city characterised by a fast-paced lifestyle, long working hours, and ever-growing healthcare demands. With rising medical costs and unpredictable health risks, having a reliable health insurance policy has become more crucial than ever for Bangaloreans.
Whether you're a young professional, a growing family, or a senior citizen, buying or renewing a health insurance policy ensures you're financially prepared for medical emergencies, hospitalisation, and critical treatments, without letting your savings take the hit.
Why Do You Need Health Insurance in Bangalore?
With high medical costs, a fast-paced urban lifestyle, and increasing exposure to environmental stress, having a health insurance plan is no longer a luxury but a necessity. Here are some reasons why it is important to have health insurance in Bangalore:

Why Healthcare is Becoming Costlier in Bangalore?
Bangalore is known for its advanced medical facilities and reputable hospitals, which have led to a significant increase in healthcare expenses in recent years. Several factors result in high medical costs in Bangalore, including:
- Increasing Medical Inflation: Overall treatment costs are increasing faster than general inflation.
- Higher Cost of Technology: Hospitals are investing in advanced machines, robotic surgeries, and diagnostics.
- Growth of Lifestyle Diseases: More cases of diabetes, dengue, heart disease, and cancer are leading to higher demand for complex care.
- Medical Tourism Effect: Bengaluru attracts patients from across India and abroad, pushing hospitals to adopt premium pricing.
- Rising Patient Expectations: The demand for comfort, private rooms, and advanced treatment contributes to higher overall bills.
What is the Treatment Cost for Major Health Problems in Bangalore?
From diabetes and hypertension to respiratory and cardiac issues, the health landscape is shifting rapidly in Bangalore. Between 2024 and 2025, the city faces a surge in lifestyle-related diseases driven by high-stress work environments, rising pollution levels, and sedentary urban lifestyles.
According to Digit, here are some of the major health issues affecting Bangalore residents today, 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 Bangalore?
Yes, most of the major health problems in Bangalore, 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 Bangalore, like diabetes, high blood pressure, and obesity, are covered. 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 Bangalore?
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 Bangalore:
Note: The recommendations provided in the table are general guidelines based on typical healthcare needs and cost trends in Bangalore. 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 Bangalore
To choose the right health insurance policy with the desired sum insured for you and your family, here are a few important points to keep in mind:
How Much Ideal Health Insurance Coverage Do You Need in Bangalore?
An ideal health insurance policy provides comprehensive financial protection against a wide range of medical expenses, eliminating the need for out-of-pocket expenses. With healthcare costs increasing steadily in Bangalore, choosing health insurance coverage that balances medical inflation, lifestyle-related risks, and family protection needs.
Here's the ideal sum insured in Bangalore, 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 Bangalore. 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 Bangalore
- 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
When it comes to having health insurance in Bangalore, we believe that the “ideal coverage” should balance the city’s healthcare costs, lifestyle-related risks, and family protection needs. Here’s what you must ask yourself before choosing any policy:
* What’s your age and health status?
* Do you live with dependents or elderly family members?
* How often do you visit private hospitals or specialists?
* Do you have a corporate health insurance plan?
And if budget is a concern, starting with a base plan of ₹10 - 15 lakh and adding a top-up plan later is a smart, flexible way to build comprehensive protection over time.
Tanya Marwah
Head of Marketing
How Much Does Health Insurance Premium Cost in Bangalore?
The cost of health insurance in Bangalore varies depending on factors like age, number of family members, sum insured, and medical history.
As people grow older, the risk of health issues increases, which directly impacts the cost of coverage. To illustrate this, let’s look at how the premium for Digit’s Infinity Wallet Plan with a ₹10 lakh sum insured varies across different stages of life.
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 Bangalore by Digit?
Key Benefits of Health Insurance in Bangalore 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 Bangalore
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:
What’s Covered in the Health Insurance Plans Offered by Digit in Bangalore?
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
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.
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.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
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. .
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
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..
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.
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!
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.
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.
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.
Get reimbursed for the expenses of road ambulance, in case you are hospitalised.
This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.
Other Features
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.
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.
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.
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!
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.
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.
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.
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.
What’s Not Covered in Your Health Insurance Policy in Bangalore?
Add-on Options with Health Insurance by Digit in Bangalore
Enhance your health insurance policy in bangalore 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:
How to Buy a Health Insurance Policy Online in Bangalore?
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 in Bangalore
If you are about to opt for a health insurance policy in Bangalore, you can expect the following benefits from the same:
- Hospitalisation Benefits – Are exorbitant hospitalisation rates in reputed private hospitals preventing you from seeking the best treatment? Do not fret, as a health insurance policy covers your financial liability related to hospitalisation for treatment of accidental injuries and illnesses.
- Critical Illness Benefit – When diagnosed with a critical illness, such as cancer or heart disease, you can claim hospitalisation expenses related to the condition in question.
- Annual Health Check-Ups – Such an insurance policy may allow you to undergo free check-ups every year. These check-ups can diagnose underlying problems, ensuring speedy treatment.
- Ability to Save Money – If you do not claim under your health insurance policy for an entire year, you can enjoy cumulative bonus benefits under it. This benefit results in an increased sum insured in your health insurance policy upon renewal, without requiring any additional payment.
- Tax Benefits – Under Section 80D of the ITA, health insurance policyholders can claim a yearly tax benefit on health insurance premium payments.

Things to Consider Before Buying Health Insurance in Bangalore
Choosing the right health insurance plan in Bangalore requires careful thought, especially with high medical costs and increasing health risks. Here are some key factors to consider before making your decision:
1. Understand Your Healthcare Needs
Consider your age, existing health conditions, family medical history, and lifestyle. Bangalore’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.
2. Check the Coverage Amount
Medical treatments in Bangalore can be expensive. Experts recommend a coverage of at least ₹10 - 15 lakh for individuals and ₹30 lakh or more for families. This ensures you’re protected against high medical bills without compromising on quality care.
3. Know the Inclusions and Exclusions of a Policy
Every policy has specific conditions it covers and excludes. Always read the policy document carefully to avoid surprises when you file a claim.
4. 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.
5. Look for Cashless Network Hospitals
Cashless hospitalisation means the insurer directly settles the bill with the hospital, so you don’t have to pay upfront. Check if your preferred hospitals in Bangalore are part of the insurer’s network hospital list. This saves time and money during emergencies.
6. Compare Premium vs. Benefits
While a lower premium might seem attractive, it often comes with trade-offs such as limited coverage, higher deductibles, or fewer benefits. It’s essential to consider not just the cost but also what you’re actually getting in return. A slightly higher premium may offer broader coverage, access to better hospitals, shorter waiting periods, and additional wellness benefits.
7. 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.
8. Understand the Claim Process
A smooth and transparent claim process is crucial. Read customer reviews and check the insurer’s claim settlement ratio before buying.
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25 Popular Hospitals in Digit's Network in Bangalore
Here’s the list of Digit's top 25 network hospitals in Bangalore, as of August 18th, 2025:
List of Digit Insurance Offices in Bangalore
Here is the list of office addresses in Bangalore, as of August 18th, 2025:
In a city like Bangalore, advanced medical facilities and super-speciality hospitals are easily accessible, but the treatment cost can be very high. Additionally, the increasing health risks due to pollution, lifestyle diseases, and vector-borne illnesses have made having a good health insurance plan essential.
The good news is that you can choose from plenty of health insurance plans available in Bangalore by comparing coverage, checking the network of local hospitals, and evaluating add-on benefits.
So don’t wait for a medical emergency to strike. Explore your options and secure your health and finances with the right insurance plan.