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In a city that never stops, from the IT hubs of HITEC City to the busy markets of Charminar, having a reliable health insurance policy in Hyderabad is more important than ever.
Health emergencies can happen anytime, and being prepared ensures you and your family get the care you need without stress. The good news is that buying a health insurance policy in Hyderabad has become simple and convenient. With online platforms, you can compare plans, check coverage options, and purchase a policy from the comfort of your home.
From top hospitals across the city to cashless treatment facilities, the right health insurance plan gives you peace of mind while you enjoy the city’s delicious food.
Why Do You Need Health Insurance in Hyderabad?
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 Hyderabad:
High Cost for Medical Treatment
Private hospitals in Hyderabad offer advanced treatments, but at a high cost. Open-heart surgery can range from ₹3 lakh to ₹ 8 lakh, and angioplasty from ₹1.8 lakh to ₹ 2.5 lakh (1). Health insurance helps cover these expenses, ensuring you and your family get quality care without a financial burden.
Rising Chronic Disease
Hyderabad is witnessing a surge in chronic health conditions. A study indicates that 50% of the elderly population in the city suffers from hypertension, while 25.8% have diabetes (2). Health insurance can alleviate the financial burden of managing such long-term conditions.
Poor Air Quality
Hyderabad's traffic congestion contributes significantly to respiratory health issues. A study revealed that 29.85% experienced respiratory problems, with chronic cough (3). These conditions are linked to prolonged exposure to vehicular emissions, highlighting the need for health insurance.
Why Healthcare is Becoming Costlier in Hyderabad?
Healthcare in Hyderabad is becoming increasingly expensive. Here’s a closer look at the main reasons why healthcare is getting costlier in Hyderabad:
- 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.
- Growing Ageing Population: As Hyderabad’s senior population increases (4), demand for surgeries, hospitalisations, and long-term care grows, contributing to overall healthcare inflation.
- 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 Hyderabad?
From hypertension to respiratory problems, the health landscape is shifting rapidly in Hyderabad. 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 Hyderabad 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 Hyderabad?
Yes, most of the major health problems in Hyderabad, such as tuberculosis, cancer, and heart disease, 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 Hyderabad?
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 Hyderabad:
Note: The recommendations provided in the table are general guidelines based on typical healthcare needs and cost trends in Hyderabad. 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 Hyderabad
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:
Consider Lifestyle & Local Risks
Pollution, traffic-related respiratory issues, and seasonal dengue outbreaks are common in Hyderabad. Choose a plan that covers hospitalisations and treatments for these conditions.
Age & Lifestyle
As healthcare evolves with age & lifestyle. Hence, you must opt for a higher sum insured if you have a lifestyle disease or aged family members.
Family Size
Insuring all family members under a health insurance policy is a wiser way to protect your family against future financial risks related to high medical costs.
Opt for Add-ons if Necessary
Critical illness and consumable covers add-ons can provide extra security against high-cost treatments prevalent in urban Hyderabad.
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 Hyderabad?
An ideal medical insurance policy protects you and your family from high medical bills, so you don’t have to pay everything out of your own pocket. With healthcare costs rising in Hyderabad, it’s important to choose a plan that covers everyday medical needs, protects against lifestyle-related health risks, and keeps your family financially safe:
Note: The recommended health insurance coverage provided by Digit is a general suggestion based on current healthcare trends and average medical costs in Hyderabad. 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 Hyderabad
- 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 Hyderabad
When it comes to having health insurance in Hyderabad, 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 Hyderabad?
The cost of health insurance in Hyderabad 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 Hyderabad by Digit?
Key Benefits of Health Insurance in Hyderabad 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 Hyderabad
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 Hyderabad?
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 Hyderabad?
Add-on Options with Health Insurance by Digit in Hyderabad
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 Hyderabad?
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 Hyderabad
If you are about to opt for a health insurance policy in Hyderabad, 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 Hyderabad
Choosing the right medical insurance plan in Hyderabad 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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In Hyderabad, with its fast-paced lifestyle, traffic congestion, and rising pollution, health issues can strike unexpectedly. Hospitals in Hyderabad offer excellent care but it comes at high costs. Having the right health insurance in Hyderabad ensures you and your family can access top-quality treatment, including cashless options, without worrying about bills.
It’s the smartest way to stay protected and enjoy life in this vibrant city.