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Pune is a vibrant city and life here is fast-paced, with long work hours, busy traffic, and a growing urban population. While Pune offers some of the best hospitals in Maharashtra, medical costs have been steadily increasing.
Health emergencies, whether due to lifestyle-related conditions like diabetes and hypertension or seasonal illnesses like dengue and monsoon fevers, can happen unexpectedly. Having a reliable health insurance policy in Pune ensures that you and your family can access quality care without worrying about the financial burden.
Why Do You Need Health Insurance in Pune?
Pune has a high healthcare treatment cost, be it due to any illness, seasonal problems, lifestyle issues or accidents on busy roads. Health insurance provides financial protection, ensuring you and your family get timely, quality treatment without worrying about heavy medical bills.
Here are some key reasons why you should consider having a health insurance policy in Pune:
Increasing Cost of Treatment
The average cost of Cataract treatment recently reached ₹60,000 or more for one eye (1). The cost can increase based on the type of procedure and lens used during the treatment. These high expenses highlight the importance of health insurance for any treatment or during medical emergencies.
Rise in Seasonal and Vector-Borne Diseases
Pune recorded its highest-ever cases of vector-borne diseases in 2024, with 382 cases of dengue and 485 cases of chikungunya (2). This surge in cases depicts the need for timely medical care, which health insurance can provide by covering hospitalisation and treatment expenses.
Growing Lifestyle and Chronic Diseases
Recently, a study in Pune found that 6.4% of the population was diagnosed with hypertension, and 4.0% with diabetes mellitus (3). These chronic conditions often require ongoing medical attention, making health insurance essential for managing treatment costs.
Why Healthcare is Becoming Costlier in Pune?
Healthcare in Pune is getting better with modern hospitals, advanced treatments, and highly skilled doctors, which ultimately makes the cost of treatment higher.
Here are some of the main reasons why healthcare is becoming costlier in Pune:
- Medical Inflation and Urban Lifestyle: As of July 2025, medical costs in Pune are increasing at an approximate rate of 4.57% per year, thereby increasing the overall cost of healthcare (5).
- Rising Costs of Advanced Medical Treatments: The introduction of advanced technologies and treatments, such as robotic surgeries and high-end diagnostics, has led to increased treatment costs for hospitals in Pune.
- Shortage of Healthcare Professionals: Pune's public healthcare system faces a high shortage of staff, leading to increased pressure on existing facilities (4). This ultimately increases the demand and hence the overall cost of healthcare increases.
- Urban Lifestyle and Sedentary Habits: The metro lifestyle in Pune contributes to lifestyle-related diseases, including diabetes or obesity. This increases the frequency of hospital visits and long-term medications.
What is the Treatment Cost for Major Health Problems in Pune?
Seasonal outbreaks, pollution-related illnesses, and lifestyle diseases all add to Pune’s healthcare burden.
According to Digit, the table below highlights the average treatment costs for leading diseases in Pune between 2024 and 2025, providing a clearer picture of how costs rise and why having health insurance can make a big difference:
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 Pune?
Yes, most of the major health problems in Pune, such as kidney stones, dengue, heart disease, and cancer, 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, kidney issues, and strokes are usually covered under most health insurance plans.
- Lifestyle Diseases: Common diseases in Pune, 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 Pune?
Choosing the right health insurance policy in Pune can feel confusing with so many options available. The best plan depends on your age, family size, medical needs, and budget.
To make it easier, the table below highlights different types of health insurance policies and how they may fit your requirements in Pune:
Note: The recommendations provided in the table are general guidelines based on typical healthcare needs and cost trends in Pune. 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 Pune
Choosing the right health insurance in Pune is a wise choice. Choose a plan with enough sum insured that balances the coverage, affordability, and the specific healthcare needs of your family.
Here are key tips to make an informed decision:
Rising Room Charges During Hospitalisation
Treatment in Pune’s private hospitals can be expensive, hospital stays may cost ₹2,000 to over ₹15,000, and major surgeries or critical treatments can reach several lakhs. Knowing these costs helps you select a plan with adequate coverage. (6)
Rising Health Risks
Pune residents face a high risk of heart disease, kidney stones, cancer and seasonal outbreaks of dengue and chikungunya. A policy covering hospitalisation, emergency care, and vector-borne illnesses can reduce financial stress during sudden medical emergencies.
Age & Lifestyle
Your healthcare needs change with age and lifestyle diseases, which may require higher coverage.
Family Size
Family Size: Families with children, working adults, and senior citizens in Pune may require higher coverage due to pollution-related problems, lifestyle diseases, and age-related conditions.
Premium Affordability
Pick a plan that fits your budget but doesn’t compromise on coverage. For extra protection against major expenses, consider super top-up plans, which provide higher coverage at a lower premium.
How Much Ideal Health Insurance Coverage Do You Need in Pune?
Determining the ideal health insurance coverage in Pune requires understanding local healthcare costs, your family’s health needs, and inflation.
The table below gives a guide to the ideal coverage you may need for different situations, helping you choose a plan with a desired sum insured that keeps you financially secure:
Note: The recommended health insurance coverage provided by Digit is a general suggestion based on current healthcare trends and average medical costs in Pune. 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 Pune
- 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 Pune
When it comes to having health insurance in Pune, 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 is your age and overall health condition?
* Do you have dependents or elderly family members living with you?
* How frequently do you consult private hospitals or specialist doctors?
* Are you currently covered under 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 Pune?
The price of health insurance in Pune 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 Pune 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 Pune by Digit?
Key Benefits of Health Insurance in Pune 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 Pune
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 Pune?
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 Pune?
Add-on Options with Health Insurance by Digit in Pune
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 Pune?
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 Pune?
Health insurance offers crucial financial protection and peace of mind, as healthcare costs continue to rise and health issues become more prevalent. Here are the key benefits of purchasing health insurance in Pune:
- Financial Protection Against High Medical Costs: Hospitalisation, surgeries, and advanced treatments in Pune’s private hospitals can be expensive. Health insurance helps cover these costs, reducing the burden on your savings.
- Coverage for Lifestyle and Chronic Diseases: Urban lifestyles in Pune have led to an increase in diabetes, hypertension, and heart disease. Health insurance covers regular treatments, medications, and hospitalisation for these conditions.
- Access to a Wide Network of Hospitals: Most health insurance policies in Pune provide cashless treatment at a network of hospitals, including top private and multi-speciality centres. This ensures quick access to quality medical care without worrying about upfront payments.
- 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 During Emergencies: Medical emergencies can occur unexpectedly, and without insurance, they can lead to significant financial strain. Health insurance provides peace of mind, ensuring you and your family receive timely and quality care in Pune’s hospitals.
What are the Things to Consider Before Buying Health Insurance in Pune?
Purchasing health insurance in Pune requires careful consideration of your family’s healthcare needs, lifestyle, and local medical costs.
Here are key factors to keep in mind before purchasing medical insurance in Pune:
1. Coverage and Sum Insured
Evaluate the sum insured based on Pune’s current healthcare costs. Major treatments like cardiac surgeries, cancer therapy, or kidney procedures can cost several lakhs. Ensure your coverage is sufficient to handle high-cost treatments without straining your savings.
2. Network Hospitals
Look for a policy with a wide network of hospitals in Pune, including city-centre and suburban facilities. Cashless treatment in reputable hospitals ensures faster access to care without upfront payments.
3. Inclusions and Exclusions
Understand what the policy covers, especially whether it includes hospitalisation, daycare procedures, pre and post-hospitalisation, and critical illnesses. This prevents surprises during claims.
4. Review the Waiting Period
Understand waiting periods for pre-existing diseases and specific treatments. Policies differ in their coverage of conditions like diabetes, hypertension, or lifestyle-related complications, which are common in Pune.
5. Premium and Affordability
Compare premiums relative to the coverage offered. Higher coverage may come with higher premiums, but it reduces out-of-pocket expenses in case of emergencies. Balance affordability with sufficient financial protection.
6. 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.
7. Claim Settlement Ratio
Review the insurer’s claim settlement ratio and process. Insurers with smooth online claim procedures and a strong presence in Pune hospitals provide faster and hassle-free reimbursement. Currently, Digit has a claim settlement ratio of 97% in FY 2024-2025.
8. Policy Renewal Terms
Check the renewal age and flexibility to increase coverage over time. Policies that allow easy renewal without stringent medical check-ups provide long-term security, especially for families with senior members.
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In Pune, rising urban lifestyles, seasonal diseases, and increasing medical costs make health insurance more important than ever. With dengue and malaria outbreaks during the monsoon, a growing number of lifestyle-related conditions like diabetes, hypertension, and heart disease, and the high cost of treatments in hospitals across the city, having the right health insurance ensures timely access to care without financial strain.
By choosing a plan tailored to your family's needs and rising health concerns in Pune, you not only protect yourself from unexpected medical expenses but also gain peace of mind.
Don’t wait for an emergency; choose the right health insurance in Pune now and safeguard your family’s future.