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Health Insurance in Mumbai
Mumbai is a city that never sleeps. It is home to bustling markets, the thriving film industry, and fast-paced corporate life. In between this busy lifestyle, health often takes a backseat, but medical emergencies can happen at any time.
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With rising treatment costs in private hospitals, having a reliable health insurance policy in Mumbai has become essential for families and individuals. From heart and respiratory issues caused by city stress and pollution to seasonal illnesses, the right coverage ensures you don’t have to worry about unexpected medical bills.
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Why Do You Need Health Insurance in Mumbai?
While the city, Mumbai offers some of the best medical care, the costs of hospitalisation and treatment can be overwhelming. Here are some key reasons why health insurance has become a necessity in Mumbai:
Rising Lifestyle Diseases in Mumbai
Mumbai's fast-paced lifestyle has led to a surge in lifestyle-related diseases. One in three adults suffers from hypertension, conditions that significantly increase the risk of heart disease (1). This increases the importance of having health insurance to manage treatment costs.
High Incidence of Vector-Borne Diseases
Mumbai has reported a sharp surge in vector-borne diseases. In September 2025, 1,384 cases of dengue were reported, marking a significant increase from previous months (2). These diseases often require hospitalisation, making health insurance crucial.
Limited Public Healthcare Access
While Mumbai's public healthcare system is extensive, many private hospitals are hesitant to participate in government schemes due to inadequate coverage and delayed payments (3). This limitation makes it challenging for residents to access timely and quality care through public channels.
Why Healthcare is Becoming Costlier in Mumbai?
Healthcare in Mumbai is improving rapidly, with world-class hospitals and advanced treatments available across the city. However, these improvements have also increased the cost of medical care. Here are some reasons why healthcare is becoming costlier in Mumbai day by day:
- High Medical Inflation Outpacing General Inflation: Medical inflation in Mumbai has been consistently higher than general inflation rates. This trend is driven by factors such as increased demand for healthcare services, advancements in medical technology, and rising costs of medical supplies.
- Increased Demand for Healthcare Services: Mumbai's growing population and urbanisation have led to a higher demand for healthcare services. This increased demand puts pressure on existing healthcare infrastructure, leading to higher costs for medical services and treatments.
- Shortage of Healthcare Professionals: Mumbai faces a shortage of healthcare professionals, including doctors, nurses, and medical technicians. This shortage leads to increased workload on existing staff, potentially affecting the quality of care and increasing labour costs in the healthcare sector.
- Medical Tourism Effect: Mumbai attracts patients from across India and abroad, pushing hospitals to adopt premium pricing.
What is the Treatment Cost for Major Health Problems in Mumbai?
From common illnesses like dengue and tuberculosis to major surgeries for heart disease, the costs can vary widely. Understanding the average treatment costs for major health problems in Mumbai can help you plan better and choose the right health insurance coverage to protect yourself and your family.
According to Digit, here are some of the major health issues affecting Mumbai residents as per data of 2024-2025, 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 Mumbai?
Yes, most of the major health problems in Mumbai, such as kidney disease, dengue, diabetes, and cataract, 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 heart problems, gallstones, and TB are usually covered under most health insurance plans.
- Lifestyle Diseases: Common diseases in Mumbai, such as strokes, 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 Mumbai?
Choosing the right health insurance in Mumbai depends on your age, family needs, and the kind of medical facilities you prefer. With rising treatment costs in the city’s private hospitals, it’s important to compare different policy options carefully.
Here’s a breakdown of which type of policy may suit you best based on common scenarios in Mumbai:
Note: The recommendations provided in the table are general guidelines based on typical healthcare needs and cost trends in Mumbai. 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 Mumbai
Choosing the right health insurance policy in Mumbai with the right sum insured can feel tricky, especially with so many options available in the market. To make things simpler, here are some practical tips you can follow:
Assess Lifestyle and Local Risks
Mumbai’s traffic, pollution, and seasonal outbreaks like dengue or TB can affect health. Choose a plan that covers hospitalisations related to these common urban risks.
Consider Proximity to Hospitals in Congested Areas
Mumbai’s heavy traffic can delay emergency access. Choose a plan with hospitals near your home or workplace in congested areas like Andheri, Bandra, or Lower Parel for faster treatment.
Age & Lifestyle
A family floater plan that covers all members is a cost-effective way to protect against unexpected hospital expenses.
Family Size
A family floater plan that covers all members is a cost-effective way to protect against unexpected hospital expenses.
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 Mumbai?
Choosing the right health insurance coverage in Mumbai is important because medical costs in the city can be high, especially in private hospitals. A single day of hospitalisation or a major surgery can quickly run into lakhs. The ideal coverage should consider your family size, age, lifestyle, and the types of illnesses common in Mumbai, like diabetes, heart disease, or seasonal infections.
Here's the ideal sum insured in Mumbai, 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 Mumbai. 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 Mumbai
- 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 Mumbai
Choosing the right sum insured in Mumbai should be a balance between the city’s healthcare costs, your family’s needs, and medical emergencies. Given that a single day in a private hospital is high and critical procedures can reach several lakhs, it’s advisable to start with a base coverage of ₹10 - 15 lakh.
When deciding, consider:
* Family Size and Dependents
* Your Age and Health Problems (if any)
* Your Lifestyle and Occupation, such as Sedentary jobs
* Mumbai-specific health issues, such as dengue and typhoid etc.
For flexibility, starting with a base plan and adding a super top-up policy can help manage unexpected high medical expenses without paying steep premiums upfront.
Shubham Sinha
Product Manager - Health
How Much Does Health Insurance Premium Cost in Mumbai?
The price of health insurance in Mumbai 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 Mumbai 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 Mumbai by Digit?
Key Benefits of Health Insurance Plans in Mumbai by Digit
Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key benefits:
* These add-ons are subject to underwriting approval and your eligibility at the time of purchase or renewal
Health Insurance Plans in Mumbai
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 Mumbai?
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 Mumbai?
Add-on Options with Health Insurance by Digit in Mumbai
Enhance your health insurance policy with add-ons at Digit. These add-ons are subject to underwriting approval and your eligibility at the time of purchase or renewal. Here’s a list of add-ons available that provide additional layers of protection beyond the basic coverage of your policy:
Consumable Cover
Pay 10% extra premium and we will also cover your non-medical expenses once your base claim is approved.
Pre-existing Disease/Specific Disease/Initial Waiting Period Modification
You can reduce your pre-existing disease waiting period to up to 2 years.
Network Hospital Discount
Opt for treatment at one of our network hospitals and receive a 10% discount on your premium with this add-on cover. However, a co-payment will be applicable if you get hospitalised in a non-network hospital.
How to Buy a Health Insurance Policy Online in Mumbai?
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.
What are the Benefits of Purchasing Health Insurance in Mumbai?
Having medical insurance in Mumbai not only protects you financially but also ensures timely access to quality care for you and your family. Here are the main benefits:
- Financial Protection: Covers hospitalisation, surgeries, and treatments without draining your savings.
- Access to Quality Care: Enables cashless health insurance treatment at top network hospitals near your location, ensuring timely and hassle-free medical attention.
- Coverage for Pre-Existing & Lifestyle Diseases: Protects against chronic conditions like diabetes, stroke, and heart disease, which are common in Mumbai after the waiting period.
- Easy Claim and Renewal Process: Claim tracking and renewals are easily available on mobile apps, making policy management convenient in a busy city like Mumbai.
- Tax Benefits: Premiums paid are eligible for tax deductions on health insurance under Section 80D of the Income Tax Act, saving money while staying protected.
What are the Things to Consider Before Buying Health Insurance in Mumbai?
Before purchasing a health insurance policy in Mumbai, it’s important to evaluate several factors to ensure you get the coverage that best suits your needs and budget. Key things you must consider include:
- Sum Insured & Coverage: Ensure the policy covers hospital expenses in Mumbai’s private hospitals, where a day’s stay can cost more.
- Network Hospitals: Check if reputed hospitals near your location are part of the insurer’s cashless network.
- Waiting Periods: Review waiting period for pre-existing conditions or critical illnesses to avoid surprises later.
- Premium & Affordability: Choose a plan that balances good coverage with a premium you can comfortably afford every year.
- Add-ons & Riders: Consider riders such as consumable cover, critical illnesses, room rent waivers, or daily hospital cash benefits to handle rising costs.
- Renewal Flexibility: Pick a policy that allows lifetime renewals so you can stay covered well into old age.
- Review of Insurer: Review the insurer’s claim settlement ratio and local service support in Mumbai for peace of mind.
Digit's Cashless Network Hospitals
Get cashless treatment at 9000+ hospitals across India
25 Popular Hospitals in Digit's Network in Mumbai
Here’s the list of Digit's top 25 network hospitals in Mumbai, as of August 18th, 2025:
List of Digit Insurance Offices in Mumbai
Here is the list of office addresses in Mumbai, as of August 18th, 2025:
Living in a bustling city like Mumbai comes with many health challenges, from long working hours and traffic stress to seasonal diseases and rising lifestyle conditions. With medical costs in hospitals steadily increasing, having a health insurance policy in Mumbai is no longer optional but essential.
It ensures you and your family can access quality care at top hospitals without worrying about financial strain. From cashless treatment at leading hospitals to coverage for emergencies and lifestyle-related illnesses, the right health insurance plan gives Mumbaikars peace of mind while navigating city life.