Published Jan 5, 2026 4 Min Read

Overview

Health is crucial, and understanding your body’s internal health is essential for maintaining a balanced life. A lipid profile test is a key diagnostic tool that helps assess your risk of heart diseases by measuring cholesterol and triglyceride levels in your blood. In India, access to such tests has become increasingly affordable and convenient, enabling individuals to take proactive steps toward better health. This article explores the lipid profile test cost in India, factors influencing pricing, and how you can get health insurance plans that will help you save money when going for such tests 


What is a lipid profile test and why is it important


A lipid profile test is a comprehensive blood test that measures the levels of various types of cholesterol and fats (lipids) in your bloodstream. This test typically includes the following components:

  • Total cholesterol: Measures the overall cholesterol in your blood.
  • LDL (Low-Density Lipoprotein): Known as ‘bad cholesterol,’ high levels can increase the risk of heart disease.
  • HDL (High-Density Lipoprotein): Known as ‘good cholesterol,’ it helps remove excess cholesterol from your bloodstream.
  • Triglycerides: A type of fat that, when elevated, can contribute to heart disease.
  • Cholesterol/HDL ratio: Assesses the balance between good and bad cholesterol.

Why is it important?

The lipid profile test is essential for diagnosing and managing conditions such as high cholesterol, heart diseases, and metabolic disorders. Regular testing allows you to identify potential health risks early, enabling timely intervention through lifestyle changes or medications. Affordable access to this test ensures that more individuals can prioritise their health without financial strain.

Factors affecting Lipid Profile Test cost in India

The cost of a lipid profile test in India varies depending on several factors. Understanding these factors can help you make informed decisions when booking your test.


1. Location

The cost of medical tests often depends on the city or region where you live. In metropolitan cities like Mumbai or Delhi, test prices might be slightly higher due to advanced infrastructure and demand. Smaller towns and rural areas may offer more affordable options but could have limited lab facilities.

2. Type of laboratory

  • Private labs: Private diagnostic centres typically charge higher fees due to state-of-the-art equipment, faster turnaround times, and superior customer service.
  • Government labs: Government-run labs are generally more affordable but might require longer waiting times for results.

3. Additional services

Many labs now offer value-added services such as home sample collection, digital reports, and advanced testing options. While these services enhance convenience, they can also increase the overall cost of the test.


By comparing options and understanding these factors, you can choose a lab that aligns with your budget and convenience.

Average lipid profile test prices in major Indian cities

The cost of a lipid profile test in India is quite affordable compared to other countries, making it accessible for a wide range of individuals. Below is an approximate cost comparison across major Indian cities:

CityAverage Cost (Rs.)
MumbaiRs. 500 – Rs. 1,200
DelhiRs. 400 – Rs. 1,000
BangaloreRs. 450 – Rs. 1,100
HyderabadRs. 400 – Rs. 900
ChennaiRs. 450 – Rs. 950
KolkataRs. 400 – Rs. 850
PuneRs. 450 – Rs. 1,000

These prices are indicative and may vary based on the lab, its location, and the services offered.

A lipid profile isn’t just preventive care—it also informs Insurance decisions. Insurers often use your cholesterol and triglyceride levels during underwriting to gauge cardiac risk. Consistently healthy reports can help you:

  • qualify for wider plan choices,
  • avoid premium loadings,
  • and access wellness rewards (in plans that offer them).

Compare health Insurance plans that include preventive check-ups and OPD—get quotes in minutes.

How to book a Lipid Profile Test at affordable rates

Booking a lipid profile test has never been easier, thanks to digital platforms. Here is a step-by-step guide to help you book your test conveniently and affordably:


  • Visit a reliable health platform: Access a trusted website or mobile app and navigate to the health services section.
  • Search for diagnostic tests: Use the search bar to find ‘lipid profile test.’ You will see a list of partner labs offering the test in your area.
  • Compare prices: Compare the prices, services, and reviews of different labs to select the one that suits your needs.
  • Book your test: Choose your preferred lab, select the date and time for sample collection, and complete the booking process.
  • Opt for home sample collection (if available): Many labs offer home sample collection services for added convenience.
  • Receive Your Results Online: Once the test is complete, you can access your results digitally through the platform.

By leveraging networks of healthcare providers, you can ensure quality testing at competitive prices, all from the comfort of your home.


Conclusion

A lipid profile test is an essential diagnostic tool that helps you understand your heart health and overall wellness. By knowing what affects the test cost and getting health insurance from platforms like Bajaj Finserv App, you can access reliable, affordable, and convenient testing options anywhere in India.

Regular health check-ups not only ensure early detection of risks but also support long-term financial well-being. Bajaj Finance partners with leading insurers to offer comprehensive health insurance solutions, helping you stay financially prepared for medical needs while guiding you to trusted diagnostic providers.

Secure your health and finances—compare plans on Bajaj Finserv App and get protected today.

Frequently asked questions

What is included in a standard lipid profile test in India

A standard lipid profile test includes measurements of total cholesterol, LDL, HDL, triglycerides, and the cholesterol/HDL ratio. These parameters help assess your risk of heart diseases and overall metabolic health.

Can the cost of lipid profile test vary between private and government labs

Yes, the cost can vary significantly. Private labs often charge higher fees due to advanced infrastructure and faster processing times, while government labs are more affordable but may have longer wait times.

How often should one get a lipid profile test done in India

It is generally recommended to get a lipid profile test:

  • Annually, if you have a family or personal history of high cholesterol or heart conditions.
  • Every 2–5 years for healthy individuals without any risk factors.
    Always consult your healthcare provider for personalised advice.
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Disclaimer

*T&C Apply. Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited), HDFC Life Insurance Company Limited, Life Insurance Corporation of India (LIC), Bajaj General Insurance Limited(Formerly known as Bajaj Allianz General Insurance Company Limited), SBI General Insurance Company Limited, ACKO General Insurance Company Limited, HDFC ERGO General Insurance Company, TATA AIG General Insurance Company Limited, ICICI Lombard General Insurance Company Limited, New India Assurance Limited, Chola MS General Insurance Company Limited, Zurich Kotak General Insurance Company Limited, Star Health & Allied Insurance Company Limited, Care Health Insurance Company Limited, Niva Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited and Manipal Cigna Health Insurance Company Limited under the IRDAI composite registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure & policy wordings carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also distributor of other third party products from Assistance service providers such as CPP Assistance Services Private Limited, Bajaj Finserv Health Limited. etc. All product information such as premium, benefits, exclusions, value added services etc. are authentic and solely based on the information received from the respective Insurance company or the respective Assistance provider company.

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