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While Surat continues to grow as a key urban centre in Gujarat, factors such as changing lifestyles and seasonal illnesses affect the city's healthcare needs.
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Popularly known as the โDiamond City of Indiaโ, Surat is one of the fastest urbanising cities in India and is emerging as a hub for the IT industry and diamond polishing. In addition to its rapid economic growth and population growth, the city has seen significant expansion in healthcare infrastructure.ย
It is home to reputable government hospitals, such as New Civil Hospital, and private multi-speciality hospitals, such as Kiran Hospital. However, rising healthcare costs and seasonal and lifestyle-related diseases continue to add to the medical and financial challenges faced by city residents, making medical insurance an important consideration.
Recent health statistics indicate that Surat is experiencing a steady rise in lifestyle-related diseases and seasonal illnesses, highlighting increasing health risks for its residents.
| Disease | Treatment | Cost |
|---|---|---|
| Heart Diseases | Coronary artery bypass grafting (CABG) | โน2.25 to โน6 lakh |
| ย | Open heart surgery | โน3 to โน5 lakh |
| Cancer | Chemotherapy and radiation therapy | โน2.5 to โน25 lakh |
Disclaimer: Costs vary widely based on hospital reputation, room type (general vs private), surgeon fees, ICU charges, and length of stay.ย
Beyond the previously mentioned factors, here are the key reasons that highlight the need for health insurance in Surat:ย
Healthcare expenses in Surat have significantly increased in recent years. Private hospitals, known for their advanced facilities, charge high fees for even basic procedures. Therefore, the absence of health insurance can make even a minor emergency a financial burden.ย ย
Surat offers advanced medical care, often at a high cost. This price can become unbearable for middle-class families. Even a consultation can cost around 2000 INR. Thus, health insurance in Surat has become a necessity rather than an option.
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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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Below are the types of health insurance policies in Surat, which you can select based on your specific needs:ย
| Type | Description |
|---|---|
| Individual Health Insurance | Medical expenses, including pre- and post-hospital care, are covered. |
| Family Floater Health Insurance | Medical expenses for the entire family are covered under a single plan. |
| Senior Citizen Health Insurance | Personalised coverage to ensure your golden days are stress-free. |
| Group Health Insurance | Offers medical coverage to employees at affordable premiums. |
| Critical Illness Insurance | Offers financial protection when you need it the most, covering life-threatening conditions like cancer and heart attack. |
| Personal Accident Insurance | Ensures peace of mind with coverage for accidental injuries, disability and death |
Here are the Care Health Insurance options you can choose from in Surat for comprehensive health coverage:
| Plans | USPs | Who should buy it? |
|---|---|---|
| Care Supreme | Cumulative Bonus Wellness Benefit Unlimited Automatic Recharge No sub-limits/capping on treatments |
Individuals and families who require an unlimited sum insured, top-ups for recurring hospitalisations, and seek medical coverage with no sub-limits. |
| Ultimate Care | Premium Payback Infinity Bonus Loyalty Boost Unlimited Care |
Individuals seeking maximum financial protection with long-term insurance coverage. |
Below are the factors covered in our health insurance plans in Surat and other cities:ย
Below is the list of permanent exclusions of our health insurance plans in Surat and other cities:ย
When choosing a coverage plan, you should consider factors such as age, lifestyle, medical history, pre-existing conditions, and the number of dependents in your family.ย
If youโre residing in Surat on your own, you should consider individual health insurance with a coverage of 5-10 lakh. If you live with your family, a coverage amount of 10-15 lakh is recommended, depending on your health history and lifestyle.ย
Here are some top reasons for choosing Care Health Insurance as your insurance companion:
At Care Health Insurance, we follow a simple process for cashless and reimbursement claims. Here are the steps for both:ย
Here are the steps to renew your medical insurance policy in Surat:ย
Step 1: Visit our official website
Step 2: Click the Renew tab in the top-right corner. You will be directed to a new page.
Step 3: Enter your details, such as your policy number and contact number.
Step 4: Verify the policy details, including the premium amount
Step 5: In the payment section, pay the renewal premium using any secure paymentย
You can easily purchase health insurance in Surat by entering your contact number on the website and selecting โcalculate premiumโ. Youโll be redirected to a suitable plan. Enter your age and select โcontinueโ. Now, enter your contact details, pin code, and click on โnext. Select a sum insured within your budget and choose a policy tenure to proceed with your purchase.
Care Health Insurance has one of the largest cashless networks in Surat, spanning 155+ hospitals. You can access seamless, cashless claim settlement at these network hospitals.
Some things to keep in mind when selecting the best health insurance companies in Surat include the sum insured, coverage scope, network hospitals, and policy terms and conditions.
Yes, Care Health is one of Surat's best health insurers. We offer customisable plans that let you add or remove coverage to meet your requirements. With our Ultimate Care plan, you can customise coverage to your needs through add-on options.
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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
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*The premium is calculated for an insured individual (18) who opts for a sum insured of 5 lakh.
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