Get Quote
As a leading corporate and business hub, Gurugram offers ample growth opportunities. However, rising stress levels, pollution, and lifestyle diseases remain key health concerns, underscoring the critical need for medical coverage.
Reasons to Choose Care Health Insurance?
From โน13/day* in Gurugram
12.27M Lives Covered
75+ Network Hospitals
453k+ Claims Settled
Gurugram has emerged as one of India’s leading commercial and corporate hubs, attracting professionals from across the country. The city houses some of the country’s top multi-speciality hospitals and advanced diagnostic centres. However, this rapid growth has come at a cost, bringing challenges such as rising air pollution, high work-related stress, and increased exposure to seasonal health risks.
While Gurugram offers advanced healthcare facilities, quality treatment in private hospitals involves high out-of-pocket expenses. From sudden medical emergencies to long-term treatments for chronic conditions, quality care in a city like Gurugram can easily drain your savings. In such an environment, having adequate health insurance is not just a precaution but a necessity.
The table below shows the estimated treatment of major illnesses in private hospitals in Gurugram.
| Disease | Treatment | Cost |
|---|---|---|
| Respiratory Diseases (Asthma, Bronchitis, COPD, Pneumonia) |
inhalers, antibiotics, hospitalisation if severe | OPD: Rs 500–1,500 per visit Tests: Rs 800–2,000 Hospitalisation: Rs 5,000–15,000 per day |
| Dengue / Malaria / Chikungunya | Blood tests, medicines, IV fluids, platelet transfusion, hospitalisation | Tests: Rs 500–600 Mild case: Rs 1,000–5,000 Hospitalisation: Rs 10,000–50,000 |
| Heart Diseases (Hypertension, CAD, Heart Attack) | ECG, angiography, angioplasty, bypass surgery | ECG: Rs 200–600 Angiography: Rs 20,000–40,000 Angioplasty: Rs 1,00,000–2,50,000+ Bypass surgery: Rs 1,50,000–4,00,000+ |
| Cancer (Breast, Cervical, Throat, Prostate, Blood Cancer) | Chemotherapy, radiation therapy, surgery, and bone marrow transplant | Chemotherapy: Rs 40,000–1,50,000 per cycle Radiation: Rs 1,50,000–4,50,000 Total treatment: Rs 5–40 lakh+ |
| Diabetes & Thyroid Disorders | Regular blood tests, medicines | Doctor visit: Rs 800–1,500 Tests: Rs 300–1,000 Monthly medicines: Rs 500–2,000 |
| Tuberculosis (TB) | Long-term antibiotic treatment | Private care: Rs 20,000–60,000 |
Disclaimer: Actual costs may vary by hospital type, room category, illness severity, required tests, and surgeon fees.
India's First Money Back Health Insurance Plan
Health insurance for domestic and global coverage up to 6 crore
Ideal for families looking for capless coverage
Hospital Locator
Hospital ListPopular Cities
Our Extensive Network
Cashless Healthcare Providers^^
Cities Across India
Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.
Best Health Insurance
Company of the Year*
74.5 Lakh+ Claims Settled**
22100+
CASHLESS HEALTHCARE PROVIDERS^^
**Number of claims settled as of Dec 2024 *India Insurance Summit & Awards 2023
Here are the types of health insurance plans you can choose from, depending on your coverage needs
| Type | Description |
|---|---|
| Individual Health Insurance | Offers health coverage for one person, covering medical and hospitalisation expenses. |
| Family Floater Health Insurance | Provides a single health cover that all members of a family can share for their medical needs |
| Senior Citizen Health Insurance | Specifically designed for seniors to cover age-related health issues and medical costs. |
| Group Health Insurance | A health cover provided by employers or organisations to insure a group of people under one policy. |
| Critical Illness Insurance | Covers treatment expenses of life-threatening conditions such as heart attack, cancer and stroke. |
| Personal Accident Insurance | Covers medical expenses arising from injuries, disability or death caused by accidents. |
Here are the most suitable plans that people residing in Gurugram can consider:
| Products | USPs | Who should buy it? |
|---|---|---|
| Ultimate Care | Infinity Bonus Loyalty Boost Unlimited Care Premium Payback |
Individuals who want maximum coverage for medical expenses and value loyalty rewards. |
| Care Advantage | Global Coverage Automatic Recharge Unlimited E-consultations Higher Sum Insured Options |
Individuals and families seeking higher coverage, sum-insured restoration, and global coverage. |
| Care Supreme | Wellness Benefit Cumulative Bonus Unlimited Automatic Recharge No sub-limits/capping on treatments |
Individuals and families who require unlimited sum-insured top-ups for recurring hospitalisations and value wellness rewards. |
When determining the coverage amount, keep the following factors in mind: your age, number of dependents, pre-existing conditions, medical inflation, and disease prevalence in the city.
Many experts recommend a minimum sum insured of โน5 lakh to โน10 lakh per person in Gurugram, given the high cost of medical care in private hospitals. However, for a family floater plan, a coverage amount between โน20 lakh and โน25 lakh is recommended.
Here are the aspects covered in our health insurance plan in Gurugram and other cities:
Note: For complete lists of coverage options, refer to the policy documents.
Here’s the list of permanent exclusions in our health insurance in Gurugram and other cities:
Here are some solid reasons for choosing us as your insurer:
Here are the steps you can follow to file for both cashless and reimbursement claims in Gurugram:
| Cashless Claim | Reimbursement Claim |
|---|---|
| Step 1: Fill out the pre-authorisation form at the hospital’s insurance desk and forward it to our claims team for review. Step 2: Once the claim details are verified, the claims team will issue an approval letter. Step 3: Our team will contact you if any additional information is required. Step 4: If the cashless request is denied, you can submit a reimbursement claim. |
Step 1: Submit the completed claim form along with all necessary supporting documents. Step 2: After verification, you will receive an approval letter from the claims team. Step 3: Respond to any queries shared by the claims team during claim assessment. Step 4: If the claim is rejected, our claims team will promptly inform you of the rejection and the reason. |
Here’s how you can seamlessly renew your medical insurance in Gurugram:
The ideal time to buy a mediclaim policy in a city like Gurugram is now. No matter your age, you can find a customised health insurance plan for yourself and your family members at affordable premium rates.
You can calculate the premium of a mediclaim policy in Gurugram by entering your contact number on the website and selecting ‘calculate premium’.
Yes, you will be covered for any accidents or injuries from the very next day your medical insurance in Gurugram begins.
Yes, you can access a cashless hospitalisation facility through our vast network of top-notch healthcare providers in Gurugram.
Yes, we provide access to a wide network of hospitals in Gurugram where you can avail cashless treatment, ensuring a hassle-free experience during medical emergencies.
Yes, illnesses such as asthma and other lifestyle-related conditions are covered under our health insurance plans, subject to policy terms and conditions and applicable waiting periods.
Care Health Insurance offers various health plans, including a family plan as well, which can also be customised according to your needs. To explore affordable health insurance plans, you can visit our website that is www.careinsurance.com or contact our customer service at 1800-102-4488 or 1800-102-6655 for assistance.
Claim Metrics
24*7
Claim and Customer Support
74.5 Lakh+
Claims Settled Since Inception**
2 hours
Cashless Claims Approval
22100+
Cashless Healthcare Providers^^
get your claim-easy plan today
Find your planGet the best financial security with Care Health Insurance!
Sales:1800-102-4499
Services: 8860402452
Live Chat
Disclaimer:
~Tax benefit is subject to changes in tax laws. Standard T&C Apply.
^^Number of Cashless Healthcare Providers as of Dec 2025
**Number of Claims Settled as of December 2025
*The premium shown is indicative and based on a self-insured individual policy with a โน10 lakh sum insured, a 1-year tenure, an 18-year-old, and a registered Gurugram pincode with Room Rent Modification and Sublimit addons. Actual premiums vary with age, health, and underwriting.
Terms & Conditions of Premium Quote Generation
"Care Health Insurance Ltd & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."
