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Insurance for Everyone Starting at ₹21/day^

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  • Individual & Family Health Insurance
  • 1 Crore Health Insurance Plan
  • Health Insurance for Senior Citizen
  • Health Insurance for Diabetes, High B.P or BMI
  • Maternity Insurance Plan
  • Super Top-up Plan
  • Health Insurance for Heart Patients

Health Insurance in Surat: An Overview

Surat is a large city and an important commercial hub in Gujarat. The healthcare facilities have improved significantly in the city since the 1994 plague outbreak—thanks to the state government for building accessible medical facilities for everyone.

While Surat houses several private and public hospitals, super-speciality hospitals, and polyclinics, there’s a spike in lifestyle diseases and infections among people. The right health insurance in Surat is thus necessary to safeguard yourself and your family from unexpected illnesses and unbearable treatment expenses. Read on to learn how we–at Care Health Insurance–offer a lifetime health and financial security to keep Surat’s population fit and sound.

Why Do You Need a Mediclaim Policy in Surat?

Unlike other Tier-2 cities, Surat is comparatively much cleaner and offers a healthier lifestyle. Yet, the city is not free from the shackles of plague, HIV, malaria, and other kinds of infections— risking the lives of residents. That’s why you need a comprehensive health insurance policy in Surat.

Below are some other inevitable factors that compel metropolitans to get a health plan:

  • Rise in Water-borne Diseases: Malaria has been the most dreadful cause of worry among people living in Surat. Also, other infections like pneumonia and cholera have been haunting the city in recent years.
  • Ill-nourished Women: The March 2022 Poshan report reveals that Surat’s women population struggle with obesity, anaemia, underweight, and obesity. The delay in getting adequate treatment leads to prolonged illnesses and heavy medical expenditures.
  • Rising Medical Costs: As healthcare has risen almost 8% in the last year across India, Surat is no exception. The manifold increase in the cost of treatment, in-patient care unity, medications, and doctor’s consultancy has hit many families in Surat.

As someone living in urban cities like Surat, you need more than medical treatment during emergencies. Your healthcare needs regular health check-ups, automatically recharging sum insured, pharmacy discounts, fitness tracking, no-claim bonus, and other value-added insurance features. Let’s find out how you can match these needs with the right health insurance in Surat.

Why Choose Care Health Insurance?

Given the unprecedented health conditions in Surat, Care Health Insurance offers several types of health insurance plans that cater to the different needs of individuals in Surat. Our objective is to help Surat’s population—whether young or old—with the best health and financial protection during unexpected emergencies.

Our wide network of 22900+ cashless healthcare providers across Surat ensures that city dwellers receive quality medical care without financial worries. Here are other top reasons for choosing Care Insurance in Surat:

  • Quality Healthcare at Top Network Hospitals:The vast network of healthcare providers–including top medical and multi-speciality hospitals in Surat–promise uncompromised healthcare services to patients without any delay or difficulties.
  • 2 Hours Cashless Claim Approval:The cashless claim process just became quicker and easier with our in-house claim settlement team. From diagnostics to post-hospitalisation recovery, we support policyholders in every claim request.
  • 30 Lakhs+ Claims Settled:Our claim settlement ratio is one of the highest among health insurance companies in Surat. Our hassle-free claim settlement process has gained us the trust of metropolitans across India.
  • Comprehensive Healthcare Coverage:To ensure maximum coverage against medical and non-medical expenses, we offer condition-specific health plans with no-claim bonuses, health check-ups, global coverage, and other wellness benefits

Types of Health Insurance Policies in Surat

We understand how different family members have diverse healthcare needs. While youngers need injury and accident coverage, elders need coverage for pre-existing ailments. We ensure all types of families and individuals keep up with their health with some of our best health insurance plans in Surat:

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Look for the best health plan that suits your need!



  • Comprehensive Health Insurance
  • Annual Health Check-up

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Care Product

Care Freedom

  • Health Insurance without Pre Medical Check-ups
  • Suitable for Diabetes, High BP and B.M.I

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Care Freedom Product

Care Senior

  • Senior Citizen Health Plan
  • No Pre-policy medical check-up

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Care Senior

Care Heart

  • Health Insurance for Heart Patients
  • Pre & Post Hospitalization Medical Expenses

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Care Heart


  • Super Top-up Insurance
  • In-Patient Care

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Care Enhance


  • Maternity Cover
  • New Born Baby Cover

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Care Joy

Voice of our Customers

Sulbha Ravindra

review The customer support is really good and fast. It made the experience of buying a family health insurance plan really hassle-free

Ganesh Kumar

review Good customer service by Nadeem ! Prompt answers to all the queries related to family health insurance product

Gopinathan Pillai

review It was an awesome experience. I have purchased my family health insurance policy using the app in 10 minutes. The app is so smooth. Keep it up.

Avinash Tiwari

review Hassle Free insurance buying process. Highly Recommend Care

Priyanka Singh

review Excellent health insurance plan! Covers annual health check-up for all family members

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

Best Health Insurance
Company of the year*


Claims Settled**



**Number of claims settled as of 30th March 2024       *India Insurance Summit & Awards 2023

Know How You Can Avail Cashless Treatment

Always choose a health insurer with the widest network of cashless hospitals in Surat to ensure stress-free hospitalisation billing. At Care Health Insurance, we ensure minimum wait time during the cashless processing of claims.

Under a cashless process, you should inform our claims team within 24 hours of admitting the patient to a network hospital. While a planned medical procedure should be informed to us at least 48 hours before hospitalisation. This way, you can settle the insurance claim without any hiccups.

What’s Covered under Care Health Insurance Plans

Our health plans offer Surat’s residents the following benefits and features:

Steps to File a Cashless and Reimbursement Insurance Claim in Surat

Cashless Claim Process Reimbursement Claim Process

Step 1:Fill out the pre-authorization form available at the insurance desk and send it to our claim management team

Step 2:You will get an approval letter once your claim is verified

Step 3:Make sure to respond to queries from the claim management team

Step 4:File a reimbursement claim request in case your cashless claim request doesn't go through.

Step 1:Submit your claim form along with the required documents.

Step 2:Get the approval letter from the claim management team.

Step 3:Respond to queries raised by our claim management team.

Step 4:In case your claim is rejected, our claims team will contact you and share the reasons for rejection at the earliest.

How to Renew Your Medical Insurance Policy in Surat?

Surat’s existing policyholders can easily renew Care Health Plans through our online portal with these simple steps:

Also, the renewal period is the time to customise the policy or port it to another suitable Care plan as per your requirement. Connect with our customer support team for more information on this.

Tips to Find the Best Health Insurance Company in Surat

Assess your household and medical budget. The bigger your budget, the higher sum insured you can go for.

A complete evaluation of these parameters will help you avail of the right health plan.


Q.How much does it cost to cover a family of four under health insurance in Surat?

The cost of health insurance for your family in Surat depends on several factors like location, family member’s age, selected coverage, etc. With Care Supreme, you can secure a family of four (with the highest member of 30 years and two children below 5 years) at INR 18,738. However, this premium calculation is subject to policy terms and benefits.

Q.How can I buy health insurance for myself in Surat?

You can buy Care Health Insurance Policy in Surat by visiting our official website. Depending upon your healthcare needs, you can choose the suitable health plan, compare the premium with different sum-insured options and add-on covers, and pay through our secure payment getaways. You can also contact us through our customer service number to help us guide you better.

Q.Which insurance provider has the largest network of cashless hospitals in Surat?

Care Health Insurance has one of the largest networks of cashless healthcare providers in Surat spanning 22900+ hospitals. You can avail of a seamless cashless claim settlement across these network hospitals.

Q.What are the main things to consider while looking for the best health insurance company in Surat?

Some of the things to keep in mind while looking for the best health insurance companies in Surat are the sum insured, scope of the cover, claim settlement ratio, network hospitals, and policy terms and conditions.

Q.Can I customise my health insurance to meet my specific needs?

Yes, Care Health is the best health insurance company in Surat which offers customisable plans that enables you to add or remove coverage to meet your personal requirements.


^^Number of Cashless Healthcare Providers as of 30th June 2023.

**Number of Claims Settled as of 31st May 2023

^Premium calculated for an individual (Age 18) for sum insured 5 Lakhs in Zone 2 cities.

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