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Prem Anand
Prem Anand
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Prem Anand
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Gurumoorthy Anthony Das
With over 20 years of experience in the BFSI sector, our Founder & MD brings deep expertise in financial services, backed by strong experience. As the visionary behind Fincover, a rapidly growing online financial marketplace, he is committed to revolutionizing the way individuals access and manage their financial needs.
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Last updated on: July 17, 2025

Compare & Apply Best Health Insurance Providers in India

Star Health

Star Health

  • Min Premium – ₹ 3600/year
  • Network Hospitals – 14,000+ hospitals
  • Claim Settlement Ratio – 82.3%
Get Quote
Future Generali

Future Generali

  • Min Premium – ₹ 4544/year
  • Network Hospitals – 6300+ hospitals
  • Claim Settlement Ratio – 98.1%
Get Quote
HDFC Ergo

HDFC Ergo

  • Min Premium – ₹ 6935/year
  • Network Hospitals – 13,000+ hospitals
  • Claim Settlement Ratio – 97–98%
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Manipal Cigna

Manipal Cigna

  • Min Premium – ₹ 6600/year
  • Network Hospitals – 8500+ hospitals
  • Claim Settlement Ratio – 95–98%
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New India Assurance

New India Assurance

  • Min Premium – ₹ 2800/year
  • Network Hospitals – 8761+ hospitals
  • Claim Settlement Ratio – 96%
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Oriental

Oriental

  • Min Premium – ₹ 4320/year
  • Network Hospitals – 2177+ hospitals
  • Claim Settlement Ratio – 90%
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Shriram

Shriram

  • Min Premium – ₹ 6320/year
  • Network Hospitals – 5177+ hospitals
  • Claim Settlement Ratio – 92%
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Reliance

Reliance

  • Min Premium – ₹ 4188/year
  • Network Hospitals – 8000+ hospitals
  • Claim Settlement Ratio – 99–100%
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Royal Sundaram

Royal Sundaram

  • Min Premium – ₹ 3360/year
  • Network Hospitals – 8300+ hospitals
  • Claim Settlement Ratio – 95–98%
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Care Health

Care Health

  • Min Premium – ₹ 5740/year
  • Network Hospitals – 19,000+ hospitals
  • Claim Settlement Ratio – 90% (2022–23)
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Chola Health

Chola Health

  • Min Premium – ₹ 5740/year
  • Network Hospitals – 19,000+ hospitals
  • Claim Settlement Ratio – (90%)
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IFFCO Tokio

IFFCO Tokio

  • Min Premium – ₹ 15,636/year
  • Network Hospitals – 10,000+ hospitals
  • Claim Settlement Ratio – 95%
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Health Insurance in Gurgaon

Gurgaon is now known as Gurugram and is considered India’s fastest growing urban center. The city’s shimmering skyline, leading companies, posh homes and lively workers define India’s economic growth. Yet, as things progress, the pressure also increases. In Gurgaon, where life is fast and people face high stress, traffic air pollution and higher healthcare expenses, having insurance is now necessary.

Hospitals such as Medanta, Fortis Memorial Research Institute, Artemis and Max Healthcare provide excellent care, but paying for treatment there can be expensive unless you have health insurance. If you are working in Cyber City, are a businessperson in Sushant Lok or have retired and live in South City, having the correct health insurance policy in Gurgaon can keep you from facing a sudden financial shock.

What Does Health Insurance Mean?

The deal with health insurance is that you agree to make regular payments to the insurance company which then pays your medical bills. Such expenses can involve hospitalization, visits with doctors, running tests, buying medicines and having surgeries, along with other things. Depending on the health plan you have, maternity, OPD care, consultations with mental health specialists and alternative health therapies, including Ayurveda, may be covered. It basically gives you a way to manage the costs of getting healthy.

Why Should You Consider Getting Health Insurance in Gurgaon?

  • Great Treatment, High Prices – Even though Gurgaon’s hospitals have the best facilities, treatment is costly. Undergoing a minor surgery or being hospitalized for 1 to 3 days can cost anywhere from ₹1 lakh to ₹3 lakhs.

  • A Fast Corporate Life – Working long shifts, forgetting to eat well, not sleeping enough and sitting for most of the day may result in individuals developing diabetes and high blood pressure before they are 40 years old.

  • Issues With Pollution and Stress – Living in polluted cities brings a greater danger of poor lungs and heart health for residents.

  • Inflation in healthcare – Healthcare prices in India increase by 12-15% every year and this includes Gurgaon. With health insurance, you are protected from rising health care costs.

  • Insurance Premiums – According to Section 80D, you can choose to deduct your health insurance premium, meaning you pay less overall tax.

Did you know? Some insurance providers offer perks like discounts on costs related to gym, health screenings and psychological counseling.

Reasons to Get Health Insurance in Gurgaon

  • Cashless Hospitalization - You can enjoy cashless hospitalization at top multi-specialty hospitals.

  • Daycare - Plans that cover costs for Daycare Procedures that do not require staying overnight in a hospital

  • Maternity Expenses - Maternity and Newborn Benefits are covered in family plans.

  • Annual Checkup - Many plans offer an annual free check-up.

  • No Claim Bonus - Getting NCB for each accident-free year can increase the sum assured on your policy.

  • Ambulance Fee - Some plans cover the cost of ambulance services and also give you the choice of outdoor patient care.

Pro Tip: When medical prices are higher in places like Gurgaon, it is important to select a family health plan covering ₹10–15 lakhs for four people.

What Health Insurance Coverage is Appropriate in Gurgaon?

Your general rule should be to insure yourself for an amount equal to or higher than 50% of your yearly income. A single stay in hospital in Gurgaon can be as expensive as ₹5 lakhs. An individual should have a minimum of a ₹10 lakh cover and, for a family, a ₹20–25 lakh family floater is better, especially if you want care at world-class hospitals.

Expert Insight: Opt for a super top-up plan to increase your coverage with a minimum rise in the insurance premium. Use both base coverage and top-up to prepare for both small and large health concerns.

Types of Health Insurance You Can Get in Gurgaon

  • Individual Health Insurance – Offers coverage to just one person and is suitable for singles and freelancers

  • Family Floater Plans – One large sum insured covers all the family members

  • Senior Citizen Health Insurance – Provides healthcare to people over 60, with home visits for beneficiaries and a higher requirement for enrollment

  • Critical Illness Plans – Provides a large sum of money in the event of being diagnosed with cancer or kidney failure

  • Maternity Insurance – Includes expenses for pregnancy and after birth, but you must wait 2–4 years before it applies

  • Super Top-Up Plans – Take effect when your present policy’s coverage has been fully used

Interesting Fact: Under some plans, insurers in Gurgaon will pay for OPD checkups at approved diagnostic centers and pharmacies.

Points to consider before getting Health Insurance in Gurgaon

  • Select hospitals – Medanta, Artemis or Max should be part of your list for cashless claims

  • Co-Payment Clause – Make sure it is beneficial for seniors, by having a lower or zero co-pay

  • Actual Room Sub-Limits – Prefer insurance without any restrictions on room rent

  • Check When You Can Claim – Review the waiting time for coverage of pre-existing conditions and maternity.

  • Lifetime Renewability - Look for a service that allows you to renew your plan for a lifetime and move the service to any new place with ease

  • Claim Settlement Ratio – Ensure the company has a high rate of resolving claims

  • Wellness Rewards – A lot of city insurance plans provide points for health activities that can be used as deductions on your insurance costs

Pro Tip: Be honest about your medical history at all times. Since Gurgaon insurers rely on digital systems, past prescriptions are recorded, helping with claims.

How to avail Cashless Health Services in Gurgaon?

Network Hospital – Find the list on your insurer’s website or ask the customer service team

Submit Health Card - Provide the hospital insurance desk with your health card.

Pre-authorization - Later, a request for pre-authorization goes to the insurer.

Approval - A decision is typically made within 4–6 hours.

Admission Process – no charge is required at the time of admission

Settlement - The hospital settles the final bill with your insurance company.

Expert Insight: Emergency hospitalization? Many providers in Gurgaon provide 24-hour helplines and services through their apps, so make use of them whenever you have questions.

How to Find the Best Health Insurance Policy Available in Gurgaon

  • Neighbourhood Hospitals – Check if the reputed hospitals near your area are empanelled for cashless hospitalization coverage
  • Cashless Treatment - Opt for plans that have cashless facilities in most areas of NCR
  • Compare and Select - Consult Fincover or similar websites to review different types of health plans.
  • Co-pay and OPD - Try using filters such as unlimited room rent, no co-pay, OPD covered and unlimited rejoining.
  • Review your coverage - Make sure those covers meet your needs, especially if they are maternity, personal accident or critical illness

FAQs regarding Health Insurance at Gurgaon

Do residents of Gurgaon have access to healthcare coverage at home through their insurance?
Yes, home hospitalization after an operation or for less severe cases is possible with several insurers if a medical expert proves its necessity.

Is it possible to include wellness rewards in my Gurgaon health policy?
Many such plans do include options for fitness tracking and rewards for leading a healthy lifestyle and taking steps.

Are students in Gurgaon offered health insurance?
Certain insurers do provide protection plans for college and university students that cover hospital stays, injuries and mental health issues.

Can I book OPD consultations with doctors in Gurgaon?
For those on corporate payrolls and with regular jobs, upgraded health insurance can cover visits to OPD, tests and pharmacy services.

Is it possible to use health insurance in Gurgaon for robotic surgery?
Yes, some high-end plans allow for robotic and minimally invasive surgeries when the surgery is vital and conducted at hospitals that are part of the network.

👍 25 people found this helpful
Ratings and reviews
4.0 ★ ★ ★ ★ ☆ ( 25 RATINGS )
5 ★
(11)
4 ★
(8)
3 ★
(3)
2 ★
(2)
1 ★
(1)
Affordable premium
★★★★★

The premium was lower than expected. Good for basic health cover if you're comparing multiple providers.

Rahul V 2 days ago
Claim process could be faster
★★★

Took about a week to settle my claim. Keep documents ready to avoid delays.

Asha M 5 days ago
Good for first-time buyers
★★★★

Buying through a marketplace like Fincover made it easier to compare and choose. Decent experience.

Dinesh R 1 week ago
No OPD cover
★★

OPD expenses not covered in the basic version. Check if you need that before buying.

Kavitha S 10 days ago
Quick support response
★★★★★

Had a doubt while comparing two policies, and Fincover support helped immediately.

Ankit G 2 weeks ago
Value for money
★★★★

After comparing multiple health plans, this one had a good mix of coverage and price.

Preeti T 3 weeks ago
Average experience
★★★

Not bad, not great. Got my policy on time but hospital list was shorter than expected.

Manoj P 1 month ago
Easy online process
★★★★

Fincover’s comparison tools helped me finalize a plan in 20 minutes. All digital.

Sunita M 2 months ago
Limited network hospitals
★★

Had to travel further for a cashless hospital. Verify hospital list before buying.

Jai S 2 months ago
Great for families
★★★★★

Took a floater plan for family through Fincover. It’s been smooth so far, especially renewals.

Rohit R 3 months ago
Good UI
★★★★

Fincover website was easy to use. Policy documents arrived instantly.

Neha K 3 months ago
Confusing terms
★★★

Some of the terms like room rent limits weren't clear. Read brochure carefully.

Ali M 3 months ago
Claim rejected

Applied for a claim which got rejected for unclear reasons. Better to talk to support before admission.

Riya T 4 months ago
Trusted comparison
★★★★★

I trust Fincover to give unbiased plan comparisons. Got the best plan for my budget.

Akash D 4 months ago
Health checkup benefit
★★★★

Got a free annual health checkup included, which was a plus.

Ravi J 5 months ago
Renewal is easy
★★★★★

Renewed my health insurance through Fincover last week. Took 3 minutes.

Smita G 5 months ago
Good for elderly parents
★★★★★

Compared senior citizen plans and bought one for my father. Fincover filters made it easy.

Pooja B 6 months ago
Need more insurer options
★★★★

Fincover shows a lot, but missed one insurer I was looking for.

Varun T 6 months ago
Easy cancellation
★★★★

Had to cancel and buy another plan. Fincover team helped throughout.

Deepika M 7 months ago
Policy features are useful
★★★★★

Features like NCB, cashless, and second opinion cover helped in decision making.

Raghav S 7 months ago
Delayed documents
★★★★★

Policy document took 4 days. Was expecting instant email after payment.

Nikita R 8 months ago
Simple and clear
★★★★

No hidden charges. Everything was explained clearly on the site.

Gaurav K 9 months ago
Good mobile experience
★★★★★

I bought the plan using my phone and had no issues. Smooth experience.

Shalini N 10 months ago
Claim assistance was helpful
★★★★★

Fincover team helped in claim processing when my hospital was not responding.

Sameer A 11 months ago
Transparent process
★★★★★

No surprises, no hidden costs. Will buy from Fincover again.

Lavanya S 1 year ago
See all

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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.

Who is the Author?

Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.

How is the Content Written?

The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.

Why Should You Trust This Content?

This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.