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A single hospitalisation in Patiala can cost around ₹30,000- ₹40,000, enough to drain your precious savings. Secure your health with the right insurance plan today
Reasons to Choose Care Health Insurance?
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Known for its rich cultural heritage, Patiala is a prominent city of Punjab. It was founded in 1763 by Baba Ala Singh and grew into one of the most powerful Sikh princely states under his rule. Its royal past can still be reflected in some of its landmarks, such as Sheesh Mahal and Moti Bagh Palace.
Presently, the city is a major tourist destination and an educational and healthcare hub, attracting individuals from other parts of Punjab. Its healthcare ecosystem is well equipped with government and private hospitals, as well as diagnostic centres. Although government hospitals are cost-effective, most middle-income groups rely on private healthcare for timely, high-quality treatment.
However, the cost of private healthcare can easily amount to lakhs, especially for chronic illnesses requiring surgeries or long-term care. This is where a health insurance policy can help manage medical expenses without creating any financial burden on your shoulders.
Major Illnesses in Patiala and Their Treatment Costs
Here are the major illnesses in Patiala and their estimated treatment costs at private hospitals:
| Disease | Treatment | Estimated Cost |
|---|---|---|
| Cancer | Chemotherapy/ Radiation therapy/ Surgery | ₹2 lakh – ₹10 lakh+ |
| Heart Disease (Cardiac Issues) | Angioplasty / Bypass Surgery | ₹1.5 lakh – ₹5 lakh+ |
| Diabetes (Complications) | Hospitalisation for complications (foot, kidney, etc.) | ₹30,000 – ₹2 lakh |
| Tuberculosis (TB) | Medications and hospital care (in severe cases) | ₹10,000 – ₹50,000 |
| Kidney Disease | Dialysis / Hospitalisation | ₹2,000–₹5,000 per session |
| Liver Diseases (Hepatitis, Cirrhosis) | Medication / Hospitalisation | ₹50,000 – ₹3 lakh |
| Stroke (Brain Attack) | Emergency care | ₹1 lakh – ₹4 lakh |
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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.
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**Number of claims settled as of Dec 2024 *India Insurance Summit & Awards 2023
Depending on your healthcare needs, here are the types of plans you can choose from in Patiala:
| Type | Description |
|---|---|
| Individual Health Insurance | Offers tailored medical coverage for individuals. |
| Family Floater Health Insurance | A single policy that covers the medical needs of the entire family. |
| Senior Citizen Health Insurance | Specifically designed for seniors, providing coverage for age-related illnesses. |
| Critical Illness Insurance | Provides financial protection against critical illnesses such as cancer and stroke. |
| Personal Accident Insurance | Covers medical expenses in case of injuries, disability and death caused by accidents. |
Here are the top three plans that we recommend considering the disease prevalence in the city:
| Plans | USPs | Who should buy it? |
|---|---|---|
| Care Critical Illness |
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| Care Heart Mediclaim |
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| Ultimate Care |
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Take a look at the inclusions and exclusions in our health insurance plan in Patiala:
Choosing a suitable health insurance policy in Patiala requires considering multiple factors, such as your healthcare needs, waiting periods, and coverage amount. Let’s understand these factors in detail:
Evaluate your age, your family member’s age and pre-existing conditions. Also, consider the current disease prevalence in the city. This step would make it easier to decide the type of plan that would be suitable for you.
While comparing the premiums of health insurance plans you’ve selected, shortlist the plans that provide maximum coverage at an affordable premium. Use a health insurance premium calculator to calculate the premium based on your age, coverage, and the number of covered members.
Check the list of network hospitals the insurer has tie-ups with in your city. This lets you evaluate which hospitals are close to your locality, making cashless treatment easier during medical emergencies.
Given India's medical inflation, even the cost of common illnesses at private hospitals can burn a hole in your pocket. Therefore, a sum insured of ₹5-10 lakh for an individual and ₹10-20 lakh for family floater might fulfill your medical needs.
Knowing about the waiting periods of the illnesses that you’re seeking coverage for allows you to choose a plan wisely. For example, if you wish to serve a minimum waiting period for asthma, which is 3 years, you can opt for a plan with benefits such as instant cover. It reduces the waiting period (of certain diseases) to 30 days.
Selecting the appropriate insurer can be perplexing, given the multitude of providers prepared to offer their services. However, we have decided to state our reasons here:
Purchasing a health insurance policy in Patiala is a seamless process. Here are the steps that you need to follow:
Premium Payback is an additional benefit that provides policyholders with a refund of the first year’s base premium after five claim-free years in a block.
The amount of extra premium you have to pay depends on the respective additional benefit you want to add to your base coverage.
No, accidents are covered from day one of the policy's purchase.
Yes, you can buy health insurance online in Patiala. It makes you eligible to avail of a 5% digital discount.
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Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~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 Dec 2025
^Get exclusive 5% off on Total premium on purchasing the plan from website
*The premium is calculated for an insured individual (18) who opts for a sum insured of 7 lakh in a zone 3 city.
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