Health Insurance in Surat
TATA AIG policy
Health Insurance in Surat
One of Gujarat’s fastest-growing cities, Surat, is known by several names, like ‘the diamond city’ and ‘the silk city’, as it’s a major industrial and trading hub. While Surat is known for its cleanliness, its urbanisation and modern lifestyle cause a variety of health issues, from lifestyle diseases to infections. Residents and visitors alike need health insurance in Surat to get quality treatment for these diseases.
A health insurance plan ensures you can cover major surgeries, emergency hospitalisations and long-term care in Surat without depleting your savings or going into debt. At TATA AIG, we offer a wide selection of medical insurance plans that offer attractive benefits like cashless treatment, automatic restoration of benefits and a substantial cumulative bonus. Explore our plans and choose one that best suits your healthcare needs.
Quick Summary - Health Insurance in Surat
|
What the Data Says About Major Health Issues in Surat
Malaria and Dengue: Vector-borne diseases like malaria and dengue spike during the monsoon season in most years in Surat. A Study of fever cases in a government medical college in the city found 15.01% incidents of malaria. Positive cases of malaria happen throughout the year.
Water- and Food-Borne Diseases: Surat’s coastal location, frequent waterlogging, high humidity and sanitation challenges create favourable conditions for water and food contamination. In 2022, the Surat Municipal Corporation reported 1098 cases of gastroenteritis and 534 cases of enteric fever.
Respiratory Illnesses: Air pollution is a serious health hazard in Surat. Residents living near the city’s textile mills have reported asthma, breathing problems and heart and lung diseases. Respiratory infections have also been reported, including 66 cases of pneumonia and 10,920 cases of pulmonary tuberculosis in 2022.
Heat-Related Illnesses: Increasing temperatures, humidity and heat waves cause dehydration and heat exhaustion and increase all types of mortalities. A Study on the effects of heat on mortality shows a 20% increase in overall deaths in Surat when the mercury crosses 40 degrees Celsius.
Lifestyle Diseases: Similar to many Indian cities, non-communicable diseases like hypertension, diabetes, heart attack, chronic respiratory diseases and cancers are prevalent across Surat. A Study shows that 31.32% of surveyed residents have high NCD risk factors, including smoking, alcoholism, age risks, occupation risks and high waist size.
Why Do You Need Health Insurance in Surat?
1. Covering High Healthcare Costs: Healthcare costs can be a substantial financial burden, especially for expensive procedures. A National Health Report found that households in Gujarat pay 42.5% of all healthcare costs out of their own pocket. Having a medical insurance plan lowers such a financial burden.
2. Protection Against Infectious Diseases: Since Surat suffers from seasonal outbreaks of infectious diseases, such as malaria, gastroenteritis and dysentery, residents must be prepared for substantial medical expenses. An effective health insurance plan covers a wide range of expenses from hospitalisation to diagnostics and follow-up treatment.
3. Managing Chronic Diseases: Lifestyle diseases like diabetes, hypertension, asthma and heart diseases incur long-term treatment expenses. A Surat health insurance plan helps families cover regular checkups, hospitalisation costs, specialist consultations and emergency visits for those suffering from lifestyle diseases.
4. Keeping Pace with Medical Inflation: Healthcare is already expensive, and medical inflation worsens people’s burden. With medical inflation in India projected at 13% in 2025, the cost of medicines, treatments and diagnostics is expected to keep increasing. This makes medical insurance in Surat necessary to cover future expenses.
5. Critical Illness Cover: Life-threatening diseases such as cancer, kidney failure, heart attack and stroke result in significant expenses costing lakhs of rupees. A Study found that the average yearly cost for cancer treatment is ₹331,177 in India, making health plans necessary for major health crises.
Reasons to Buy Health Insurance from TATA AIG in Surat
Comprehensive Medical Coverage: TATA AIG health insurance plans in Surat go beyond basic hospitalisation, daycare and ambulance costs. We cover a wide range of diseases, preventive health checkups, OPD visits, vaccinations, dental care, and even international treatments, depending on your chosen plan.
Easy Cashless Treatments Anywhere: Unlike other health plans that restrict you to some hospitals in Surat, our health insurance plans cover up to 100% of admissible claims on a cashless basis. With the Cashless Everywhere facility, you are free to choose any hospital and receive treatment without making any payments.
Wide Extent of Customisation: Choose from a range of flexible plans, sum insured and tenure from TATA AIG. Whether you want an affordable or comprehensive plan, senior citizen or maternity insurance, pick the terms you want. We also offer a wide selection of add-on covers, helping you get the best health insurance in Surat.
Strong Customer Support System: Every TATA AIG customer gets access to 24/7 customer support through our helpline (022-6489-8282), mobile app or email for product queries, claim assistance and medical emergencies. Our team of 750+ claim specialists ensure quick claim processing by providing reliable assistance.
Affordable Health Insurance: We offer competitive prices starting at ₹15 per day, plus attractive discounts. Get affordable health insurance in Surat with up to 10% off on long-term plans, up to 32% on family plans, 7.5% professional discount, and 10% young family discount based on your chosen plan.
Transparent Online Process: Get detailed information and a cost breakdown on our portal using our cost comparison tool. Compare health insurance to get the most affordable plan that offers the best features at the most competitive prices using our health insurance calculator.
TATA AIG Health Insurance in Surat - Inclusions, Exclusions & Add-ons
| Inclusions | Exclusions | Add-Ons |
|---|---|---|
| Inpatient treatment and associated medical expenses at a hospital | Injuries or illnesses due to war, war-like situations and military acts | Cumulative Bonus Shield |
| Pre- and post-hospitalisation costs for a certain period | Injuries from participating in hazardous or adventure sports | Emergency Assistance Services |
| Inpatient and daycare treatment at AYUSH facilities | Any admission for diagnostics and evaluation only | High End Diagnostics |
| Organ donor expenses (harvesting only) | Intentional self-injuries or attempted suicide | Critical Illness Cover |
| Ambulance cover for hospital admissions and transfers | Treatment done by a medical practitioner outside their discipline | Domestic Second Opinion Rider |
| Preventive health checkups up to a certain amount | Drugs or treatment not supported by prescriptions | OPD Dental Treatment |
| Pre-existing diseases after the waiting period | Global Cover | |
| Global cover for planned hospitalisation | Maternity Cover | |
| Domiciliary hospitalisation expenses under certain conditions | Extension of Pre- and Post-Hospitalisation Cover | |
| Daily cash for choosing twin-sharing and multi-sharing accommodation | Compassionate Travel Expenses | |
| Coverage of listed medical consumables | First Year Vaccinations | |
| Bariatric surgery cover, for medically necessary procedures | Wellness Services |
How to Buy Health Insurance in Surat Online
Get Affordable Health Plans Instantly
Get health insurance with attractive discounts with a Few Clicks
1. Select Buy Insurance: Scroll to the top of this page and select the ‘Want to buy insurance’ button.
2. Add Family Members: Choose the number of family members and click on ‘Get Plan’.
3. Provide a Few Details: Enter the required details, including your phone number, PIN code, and date of birth.
4. Choose Coverage: Pick a plan and enter the coverage details, including sum insured, tenure and add-ons you want (if any).
5. Pay the Premium: Make the online payment to buy online health insurance in Surat.
How to Renew Your TATA AIG Policy Online?
1. Choose Health Renewal: Scroll up and find the ‘Health’ insurance option in the ‘Renewal’ menu.
2. Enter the Policy Number: Input your existing policy number and click on ‘Renew’.
3. Choose Coverage: Check your renewal details and choose your sum insured and add-ons (if any).
4. Pay the Premium: Review the revised premium price and pay it online to renew your plan.
How to Claim Health Insurance in Surat?
Cashless Claim- Emergency
1. Inform Us: Inform TATA AIG about your emergency hospitalisation by calling the helpline (022-6489-8282).
2. File a Claim: File a cashless claim form with your health insurance card, copy of policy documents and identity and address proof within 24 hours of your hospitalisation.
3. Await Our Authorisation: Wait till we process your claim and send an authorisation letter to the hospital. After your treatment, we will settle your bills.
Cashless Claim- Non-Emergency
1. Inform Us: Inform us and send a cashless claim via our claim portal, email or letter at least 48 hours before your scheduled treatment. 2. Await Our Confirmation: Wait till we process your claim, contact the hospital and send you a confirmation letter. 3. Show the Confirmation Letter: Upon arrival at the hospital, show your health insurance card and confirmation letter. We will take care of the rest.
Reimbursement Claim
1. Pay for Your Treatment: Pay the medical bills out of your own pocket and collect all relevant documents, including prescriptions, invoices and receipts.
2. File a Claim: Send a reimbursement claim form along with medical certificates, hospital bills, pharmacy bills, discharge card, policy documents, and other documents.
3. Await Our Settlement: Once we receive your claim form and supporting documents, we will verify them and award the reimbursement.
How Much Health Insurance Coverage Do You Need in Surat?
In a tier-2 city like Surat, healthcare costs are moderately expensive, requiring you to have more than ₹5 lakhs in health insurance cover. However, your exact amount depends on your age, family size, medical conditions and other factors. Explore the minimum recommended amounts in different situations:
For a Single Person: Experts recommend having at least 50% of your income as your health insurance amount. At least ₹5-10 lakhs is highly recommended and higher if you have pre-existing conditions.
For Senior Citizens: To cover elderly parents above 60 years of age, get at least ₹15 lakhs of mediclaim policy in Surat per person. A higher amount is advisable for pre-existing conditions like diabetes, hypertension or heart diseases.
For Families: A sum insured of at least ₹20 lakhs is recommended for a young family of four. For more members, elderly individuals and those with pre-existing conditions, a higher coverage amount is recommended.
Is Government Health Insurance Enough to Cover Medical Expenses in Surat?
In Surat, the Pradhan Mantri Jan Arogya Yojana - Mukhyamantri Amrutum (PMJAY- MA) scheme provides free healthcare coverage to lower-income families below the poverty line. As it does not cover everybody and many medical expenses, it’s not considered sufficient. Check the table below to know the differences:
| Point of Differentiation | Government Health Scheme (PMJAY-MA) | Private Health Insurance Plan (TATA AIG) |
|---|---|---|
| Eligibility | Families with an annual income of less than ₹4 lakhs, other underprivileged families and government employees | Any person of 18 years and above can purchase health insurance for themselves and their families |
| Sum Insured | ₹5 lakhs per year per family | Depends on your chosen plan, from ₹5 lakhs to ₹3 crores as selected |
| Scope of Coverage | Secondary and tertiary care covering cancer treatment, kidney surgery, neurosurgery, neonatal procedures, etc. | Hospitalisation expenses, daycare treatment, AYUSH treatment, ambulance charges, preventive checkups, etc. |
| Hospital Access | Any empanelled hospital in Gujarat | Any authorised network or non-network hospital in India |
| Pre-Existing Conditions | All covered from day one | Covered after the pre-existing disease waiting period |
| Cost | No cost for beneficiaries | Premium price dependent on sum insured, tenure, add-ons, policyholder’s age and other factors |
Cashless Network Hospitals in Surat
TATA AIG is partnered with more than 12,000 network hospitals across India where you can get cashless treatment, including 294 network providers in Surat. Explore our most popular hospitals in Surat:
- Kiran Multi Super Speciality Hospital & Research Center (Katargam)
- Shelby Multi Speciality Hospital (Rander Road, Adajan)
- Sunshine Global Hospital (Dumas Road, Piplod)
- Life Line Multispeciality Hospital (Rander Road, Surat)
- Unity Trauma Center And Icu (Parvat Patia)
- Unique Hospital Multispeciality & Research Institute (Canal Road)
- Smt Rasilaben Sevantilal Shah Venus Hospital (Rampura Road)
- Maitreya Multi Superspeciality Hospital & Research Centre (Magdalla Road)
- Aagman Multispeciality And Maternity Hospital (Dindoli, Surat)
- Joint Line Orthopaedic Hospital (Honey Park Road, Adajan)
- Shri BD Mehta Mahavir Heart Institute (Athwagate)
- Dhameliya Kidney Hospital & Lithotripsy Centre (Lal Darwaja)
To find a hospital in your city, check our cashless network hospital page and enter your city name in the search bar. Scroll through our list to find the exact address and other details.
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Related Articles
Frequently Asked Questions
1. What is the best medical insurance in Surat?
The best health insurance plan depends on your unique medical needs, including age, family size, average medical expenses, and other factors. To select the best plan, compare your options based on coverage benefits, sum insured, add-on availability, network hospital coverage and premium costs. Choose a plan offering the most benefits at the most competitive prices.
2. What are the different types of health insurance policies in Surat?
Some of the health insurance types available in Surat include individual plans, family floater plans, critical illness insurance, senior citizen plans, and super top-up plans. Individual plans provide tailored coverage for a single person while family floater plans cover multiple people under a single plan. Senior citizen plans cover individuals above 60 years of age while critical illness plans provide a lump sum payout for critical illnesses like cancer, kidney failure and stroke.
3. How to find the right coverage amount for health insurance?
Assess your healthcare needs based on age, family and medical conditions, average treatment costs at local hospitals, and determine an amount covering unexpected situations. For example, if you have to cover four persons, you will want at least ₹15-20 lakhs in a tier-2 like Surat. If you also want to cover additional costs for pre-existing conditions and coverage for critical illness for 1-2 people, consider increasing it to ₹25-30 lakhs.
4. Which hospitals in Surat offer cashless treatment?
Numerous hospitals in Surat are partnered with insurance providers offering cashless treatments through health insurance policies. At TATA AIG, we provide cashless treatment at all authorised non-network and 294 network providers, which include multispeciality hospitals, specialty clinics, medical research centres, etc. Kiran Multi Super Specialty Hospital, INS Hospital, LifeLine Multispeciality Hospital, Mahavir Hospital, and Unity Hospital are some of the most popular cashless hospitals in Surat.
5. What health insurance is the best for parents in Surat?
Family floater plans can include parents along with other family members, including your spouse and children, under a single plan. However, for senior citizen parents, it’s best to include them separately under a senior citizen health insurance plan, as they cover age-related medical needs and have no upper age limits.
6. What is a deductible and copayment in health insurance?
A deductible is the total amount you must pay out of your pocket for medical expenses before the health insurance covers the rest. On the other hand, a copayment is a fixed flat fee you must pay at the time of filing a claim. Once you have paid the deductible, it is applicable for the entire year, while a copayment is applicable every time you make a claim.
7. How to find the cost of health insurance in Surat?
The easiest way to find out the price of a health insurance plan is to use the insurance provider’s online premium calculator. This free online tool lets you find an accurate estimate using values like your age, family size, medical conditions and the plan’s sum insured, tenure and other terms. Simply input the necessary details and click on ‘Calculate’ to find the costs.
Relevant Links for Health Insurance
Health Insurance Key Terms
Popular Health Plans by Location
Health Insurance by Coverage Amount
Health Insurance by Disease Type
