Health Insurance In Guwahati
  • Explore Health Insurance Plans
  • Benefits of Health Insurance
  • Network Hospitals in Guwahati
Health Insurance In Guwahati
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Health Insurance In Guwahati

Guwahati is the largest city of Assam and is known for its rich cultural heritage. It is one of the most scenic states with sprawling tea plantations and is an avid producer of Assam silk. The state is a part 7 sisters of the North East alongside Arunachal Pradesh, Mizoram, Manipur, Meghalaya, Nagaland, and Tripura.

Assam is the largest tea producer in India. Assam contributes more than 50% of the tea exports from India to different countries worldwide. Other items that are famous contributions of Assam are Joha rice, Bhut jolokia or the notorious Ghost Chilli peppers, cane & bamboo products, among many others.

Healthcare Infrastructure In Guwahati

Recent developments in Assam announced by Chief Minister Himanta Biswa Sarma include a plethora of medical care centers. In a recent article published by Indian Express, he mentions the desire to make Assam the center of ’Medical tourism’ for all citizens of the country. The state is all set to launch a 350-bed state cancer institute offering advanced cancer treatments.

Best Health Insurance In Guwahati

Health insurance policies for cities are designed specifically keeping in mind the medical requirements of the citizens. Let us take a look at the various family and individual health plans in Guwahati:

Health Insurance In GuwahatiSum Insured AvailableApprox. Premium Quotes

Niva Bupa Aspire Gold+
Up to 1 CroreRs. 834/- Per month


Niva Bupa Reassure 2.0
Up to INR 1 CroreRs. 768/- Per month


ICICI Lombard Health AdvantEdge
Upto INR 3 CroresStarting from INR 865/month


Star Critical Illness Multipay Policy
Up to 25 LakhsRs. 174/- per month


TATA AIG Medicare
Upto INR 20 LakhsStarting from INR 661/- per month

To find more health plans in Guwahati, connect with PolicyX health insurance experts who can help you find the right fit for your family.

Benefits Of Health Insurance In Guwahati

There are many reasons to buy health insurance if you are in Guwahati. Read below to understand in detail:

  • Rising Medical Cost

    Considering the rising medical cost of Guwahati, you should get health insurance plans such as Niva Bupa Aspire and Star Assure to beat this inflation.
  • Quality Healthcare

    Guwahati attracts patients from many neighbouring states for its advanced healthcare facilities. These quality facilities often come with a higher price tag, which health insurance like Star CritiCare Policy can help to beat.
  • Future Security

    Having health insurance protects you from unexpected medical expenses in the future, especially when you grow old.
  • Cashless Medical Hospitalisation

    A major benefit that you will get with health insurance in Guwahati is cashless hospitalization - no more worrying about paying the hospital bills upfront!

Factors To Consider While Buying Health Insurance In Guwahati

  • Check if you need an individual plan, a family floater plan, or a plan for dependent parents
  • Mention your medical conditions honestly
  • Understand your budget and determine a comfortable premium amount
  • Choose an adequate sum insured that can cover your needs
  • Check the claim settlement ratio of the health insurer as it is an indicator of trust. The higher the claim settlement ratio the better the chances of efficient claim settlement in your case.

Buying Health Insurance In Guwahati With PolicyX

The residents of Guwahati know it is as easy as 1 - 2 - 3 to buy health insurance online on PolicyX.com:

  • Visit the official website of PolicyX
  • Select ’Health Insurance’ from the header tab
  • Find the ’Customized Health Insurance Plan for You’ form in the top right corner
  • Fill in details required to understand your coverage requirements such as ’the number of members to be covered’, ’age’, ’city’, ’name’, and ’location’
  • Click on ’Get Quotes’ once you have filled in all the details
  • Compare all health plans in Guwahati with features and premium quotes
  • Proceed to purchase an ideal health plan

Want To Know More?

Still pondering on what to do next? Talk to a PolicyX insurance expert today and clear all your doubts about health plans in Guwahati instantly.

Best Health Insurance Plans in guwahati

Considering the facts, here are some of the best plans to consider in guwahati:

Comprehensive

A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.

Unique Features

  • Coverage for modern treatments
  • Multiple co-payment options
  • Unlimited SI restoration

NivaBupa Senior First (Pros)

  • 3 Variant Available
  • No pre-issuance medical tests
  • Day 1 Health Check-up
  • Safeguard (Add-on)
  • Day Care Treatment

NivaBupa Senior First (Cons)

  • No Critical Illness Cover
  • 50% Co-payment
  • No Specific Diseases Covered
  • No Pre-existing Disease Cover
  • Self Inflicted Injuriesnot covered

NivaBupa Senior First (Other Benefits)

  • ReAssure Benefit
  • Domiciliary Hospitalization
  • Organ Donor Benefit
  • Ayush Benefit
  • Annual Aggregate Deductible

NivaBupa Senior First (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - 75 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

Comprehensive

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Family Health Optima Policy (Pros)

  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Family Health Optima Policy (Cons)

  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Comprehensive

A health plan that supports you in times of medical emergencies. The plan comes in 3 types, Tata AIG MediCare, Tata AIG MediCare Protect, and Tata AIG MediCare Premier.

Unique Features

  • Global Coverage
  • 540+ Day care treatments
  • Compassionate Travel up to 20K

Medicare Health Insurance (Pros)

  • Qualified Nurse
  • Restore Benefit
  • Room Rent
  • Organ Donor
  • Domiciliary Treatment

Medicare Health Insurance (Cons)

  • Injury due to Suicide Attempt
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • STDs

Medicare Health Insurance (Other Benefits)

  • AYUSH Benefit
  • Health Checkup
  • Bariatric Surgery Cover
  • Vaccination cover
  • 50%Cumulative Bonus

Medicare Health Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 20 L
  • Waiting Period - 30 Days

Comprehensive

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

  • Unlimited E-consultations
  • Unlimited Automatic Restoration
  • Avail Up to 30% Discounts

Care Supreme Plan (Pros)

  • Day Care Treatments
  • No Sub-Limits
  • Emergency Ambulance
  • No-Claim Bonus
  • Organ Donor Cover

Care Supreme Plan (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Supreme Plan (Other Benefits)

  • Unlimited Recharge
  • 30% Renewal Discount
  • Unlimited E - Consultation
  • Wellness Benefits
  • Nutrition and Fitness Coaching

Care Supreme Plan (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age - No age limit
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Comprehensive

A comprehensive plan for you and your family covering

Unique Features

  • Swine Flu Treatment Covered
  • Pre Existing Disease Covered
  • Cumulative Bonus upto 50 %

Health AdvantEdge (Pros)

  • No health check-ups
  • Domestic Air Ambulance
  • 24x7 Customer Support
  • Newborn baby and vaccine cover
  • Health rewards

Health AdvantEdge (Cons)

  • No Non-allopathic Treatments
  • Unproven treatment not covered
  • HIV/AIDS treatments not covered
  • 3-Year Waiting Period
  • Obesity treatment not covered

Health AdvantEdge (Other Benefits)

  • Bariatric surgery cover
  • Maternity Expenses Covered
  • Orthopaedic Expenses Covered
  • Chemotherapy Covered
  • Eye Surgery Covered

Health AdvantEdge (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 2 L to 5 L
  • Waiting Period -30 Days

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Health Insurance in Guwahati: FAQs

1. What kinds of health plans are available in Guwahati?

All categories of health insurance plans like personal accident, critical care, individual, family, and senior citizen health plans are available in Guwahati.

2. How much sum insured do I need to live a comfortable life in Guwahati?

It is advised by health insurance experts to have a minimum coverage of INR 10 Lakhs or have at least 50% of your annual income as the sum insured regardless of the city you are residing in.

3. What are the factors to consider before purchasing health insurance in Guwahati?

The various factors to consider are: Sum insured Pre-existing disease coverage Network hospitals Claim settlement of an insurance company

4. What are the eligibility criteria to purchase health insurance in Guwahati?

Any individual between the ages of 18 to 65 years is eligible to purchase health insurance in Guwahati.

Health Insurer Network Hospitals

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More Queries?

To know about the best health insurance plans in Guwahati, network hospitals available, or have any other insurance-related query, call our advisors at 1800-4200-269!

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.