Bangalore, July 23: ManipalCigna Health Insurance, one of India’s leading health insurers, has released insights specific to South India from India Health Quotient (IHQ) 2026. The IHQ is a proprietary multi-dimensional index measuring self-assessed health across five dimensions: Physical, Mental, Financial, Occupational, and Social. The study covered urban Indians across 16 cities, including Chennai, Bengaluru, Hyderabad, Kochi and Coimbatore from the southern region.
India‘s overall health score stands at 65 out of 100, while South India recorded an overall score of 63 out of 100. Across urban Indians, physical health is leading at 68, while financial health trails at 62, the lowest score across all dimensions and a critical aspect requiring greater attention.
Interestingly, 72% of respondents from South India prioritize eating a healthy, balanced diet in their top 5 aspects of physical health vs 65% in rest of India. This is most notable in the new age tech metros of Bengaluru, Hyderabad (75%). It reflects a larger shift across urban India, where people are consciously moving towards healthier lifestyles and making food choices a part of how they manage their overall wellbeing. On the other hand, the findings also highlight opportunities to strengthen mental well-being, with only 49% reporting strong focus and clarity of mind and 47% feeling confident in their ability to adapt to sudden change.
The study also reveals that health insurance ownership is one of the most promising predictors of overall wellbeing in India. Indians with health insurance score 68/100 on the India Health Quotient, compared to 62/100 for uninsured urban Indians, a 6-point gap that remains consistent across every cohort, region, age group, gender, and stress level. Across the cohorts and stress level tested in the study, insured Indians reported higher wellbeing scores than their uninsured counterparts on physical, mental and financial dimensions alike.
This “Wellbeing Premium” is notably larger than the gender gap (men and women both score 65/100) and exceeds regional differences between major metros like Mumbai (62/100) and Bengaluru (63/100) and surpasses the gap between India‘s youngest and oldest age groups (63/100 vs 65/100). The gap does not diminish even when controlling for stress levels, suggesting that health insurance ownership is associated with meaningfully better wellbeing outcomes across all population segments.
Sapna Desai, Chief Marketing Officer, ManipalCigna Health Insurance, said, “The India Health Quotient asks a simple question: how does India actually feel? It shows that health is multi-dimensional, with people balancing physical, mental, financial, and work and social wellbeing, and gaps in one area often affecting the others. South India stands out for its focus on healthy eating, with 72% prioritizing a balanced diet, rising to 75% in Bengaluru and Hyderabad. However, this physical discipline does not fully offset everyday pressures. Across regions, we also see that health insurance ownership helps narrow wellbeing gaps, reinforcing that protection is an important part of overall wellbeing.”
As Karnataka continues its growth journey, the need for greater awareness around healthcare financing and financial protection remains important. With changing healthcare needs and rising medical costs, health insurance can play a critical role in helping individuals and families manage healthcare expenses while ensuring access to quality care when needed.
The ManipalCigna India Health Quotient 2026 underscores the company’s commitment to going beyond traditional health insurance by developing a deeper, evidence-based understanding of how Indians experience wellbeing. With this, the company reaffirms its focus on building more responsive, holistic health solutions for a rapidly evolving India