Health insurance plans in Bangalore offer a reliable solution for tackling rising medical expenses. Bengaluru, earlier called Bangalore, is India’s IT capital, where many new-generation startup unicorns, top IT companies, and manufacturing companies are based. Thus, rightly called the “Silicon Valley of India”. As the city grows quickly it faces significant problems such as dilapidated roads, increased traffic jams, and a high pollution level. These problems elevate the likelihood of contracting noncommunicable diseases and experiencing lifestyle-related mishaps. In such an environment, getting strong health insurance coverage is essential to avoid the financial losses of hospitalisation.
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Here is a list of reasons why buying health insurance in Bangalore is necessary.
In Bangalore, 7% of women and 9% of men have dangerous blood glucose levels. Also, 13% of women and 21% of men have high blood pressure. These chronic conditions increase the health risks of the Bangalore residents.
Medical inflation is on the rise, and more people are increasingly being diagnosed with lifestyle-related illnesses. Being a digital-first insurance company in Bangalore, ACKO offers customised health insurance policies that best suit the needs of a Bangalorean. Some of the unique features of ACKO Platinum Health Insurance Policy with 1 Cr. sum insured are Zero Waiting Period and Zero Deductions at claims.
People often delay treatment from the lack of access to expensive healthcare. But with a reliable health insurance plan they can prioritise their health and get the right treatment at the right time.
Buy one of the best medical insurance in Bangalore today to protect yourself against medical inflation and stay financially protected.
The non-communicable disease in Karnataka and Bangalore is steadily increasing, especially for people under the age of 30. The most common health issues that Bengaloreans face are:
High levels of air pollution from traffic and construction, combined with the city's high altitude, can lead to breathing issues. It can lead to illnesses like asthma, bronchitis, and chronic obstructive pulmonary disease (COPD).
Increased instances of lifestyle diseases such as diabetes and high blood pressure paired with a sedentary lifestyle, increase heart and lungs-related health issues.
People can suffer from increased stress, anxiety, and depression due to the fast-paced, high-pressure environment of Bangalore.
Crowded living conditions, poor sanitation, and damp weather conditions can lead to the spread of infectious diseases like dengue, malaria, influenza, and tuberculosis.
Here are some detailed insights on the health statistics of Bangalore.
Healthcare in Bangalore can be expensive, so it’s important to choose a health insurance plan that gives you enough coverage. It must cover at least 50% of your annual income. At the same time, it should also be enough to take care of serious illnesses like cancer.
Here’s a simple guide:
A sum insured of at least ₹10 lakh is a good starting point.
A family floater plan of ₹30 lakh or more is ideal if you want coverage for all family members.
A health insurance plan of ₹20 lakh or more is recommended to meet the high medical costs that come with age.
With rising medical bills and inflation, having the right cover can make a big difference.
Healthcare costs are increasing globally, and Bangalore is no exception. Urban households in Bangalore pay 57% more than rural households. Additionally, 80.2% of out-patient care is provided by private healthcare institutions, and out-of-pocket expenses have increased by 50% in the last ten years.
NRIs visiting Bangalore to spend time with their families or those looking to return to India must consider adequate health protection when they are in India. You might have health insurance in the country where you work, but those policies generally won’t extend to cover hospitalisation expenses when you are in India.
Bangalore is home to some of the best healthcare facilities in India, but you must be adequately prepared to get expensive treatments with the right health insurance.
Here is a list of reasons why it is a good idea for NRIs who have a home or a family in Bangalore to buy a good health plan.
NRIs may get health insurance cheaper than an international plan to cover medical costs during their India stay.
There are various health insurance plans that Indian NRIs can access while visiting India to meet their hospitalisation, day care treatments, and emergency needs. Others, like ACKO Platinum, provide even higher coverage limits, ensuring policyholders can enjoy good healthcare.
A standard feature of most Indian health insurance policies is that they offer cashless treatments in a network of hospitals. This feature ensures NRIs can enjoy quality medical services without being requested to deposit any cash during an accident.
Many Indian health insurance policies allow NRIs to include their family members in the same plan, ensuring their loved ones in India are financially protected in case of medical emergencies.
NRIs with taxable income in India can claim tax deductions under Section 80D of the Income Tax Act for premiums paid for health insurance policies covering themselves, their spouses, or dependent parents.
Policies in India often include benefits like pre- and post-hospitalisation expenses, AYUSH treatment coverage, domiciliary hospitalisation, and wellness programs. This holistic approach to health insurance ensures extensive protection.
Some insurers provide plans designed explicitly for NRIs, covering treatments availed in India and abroad. These plans cater to the unique needs of individuals living outside India but frequently visiting.
Indian health insurance plans are easy to purchase online, with digital platforms simplifying application, documentation, and renewal processes. NRIs can conveniently manage policies from anywhere.
No, government health insurance is not enough to cover medical expenses in Bangalore.
The Karnataka Government launched the Ayushman Bharat – Arogya Karnataka Scheme in 2018 to help both Below Poverty Line (BPL) and Above Poverty Line (APL) families with medical care. While it’s a great initiative, it doesn’t fully cover the high cost of healthcare in a city like Bangalore.
Here’s a simple comparison to show why private health insurance might offer better coverage:
| Category | Ayushman Bharat – Arogya Karnataka Scheme | Private Health Insurance |
| Coverage | Covers basic, secondary, and major treatments for BPL and APL families. | Offers wide coverage for many diseases, injuries, and treatments across different specialties. |
| Sum Insured | Up to ₹5 lakh per family. APL cardholders get ₹1.5 lakh per year. | You can choose coverage up to ₹6 crore based on your needs and budget. |
| Treatments Covered | Covers 1650 procedure packages. | Covers day-care surgeries, OPD, hospital stays, pre- and post-hospital expenses, and more. |
| Who Can Apply | Only for Karnataka residents with BPL/APL cards or listed under government health schemes. | Anyone can buy it, depending on their health needs and budget. |
Here are some valuable tips for buying the best health insurance policy in Bangalore:
Before buying an online health insurance policy in Bangalore, you must evaluate how much you are willing to invest in it. By assessing your financial status, you can choose the best health insurance policy in Bangalore that offers wide-ranging benefits.
Take advantage of our online health insurance premium calculator to know the cost of a health plan in Bangalore. The online premium calculator lets you compare different prices of health insurance plans in Bangalore and enables you to choose a suitable plan as per your needs.
Ensure you read the inclusions to understand the coverage details. ACKO offers maximum coverage, such as no room rent cap, no waiting period, no co-pay, etc. So, buy ACKO health insurance for broader coverage of up to Rs. 1 crore.
We have partnered with several medically well-equipped hospitals in Bangalore. Check the list of network hospitals to avail of the best medical care.
Health insurance policies have exclusions. Check what is not covered under the policy since you cannot file a claim against such healthcare expenses.
Our Rs. 1 crore Health Insurance Policy has a Zero Waiting Period for hospitalisation. The only catch is that you need to inform us about your past and present medical history to enjoy this benefit.
We shall pay the entire medical expenses. There is no co-pay or deductibles in our health insurance policy (1 crore policy). Hence, you don’t have to pay from your pocket during claims.
Here are the types of health insurance plans in Bangalore. Plans are subject to availability at ACKO:
ACKO ₹1 Crore Platinum health insurance plan has the following features.
| Key Features | ACKO Advantage |
| Waiting Period | None, coverage begins from day 01 of the policy |
| Deductions on hospital bills | None, you get 100% coverage for hospital bills on approved treatment |
| Co-pay | None |
| Room rent | Up to the sum insured. No deductions applied |
| Intensive Care Unit (ICU) charges | Up to the sum insured |
| Critical Illness Cover | Hospitalisation covered up to the sum insured |
| Network hospitals | 10,500+ hospitals |
| Teleconsultations | Up to the sum insured |
| Preventive health checkup | Available annually for insured members above the age of 18 years |
| COVID-19 treatment | Up to the sum insured |
| Inflation protect | 10% increase of sum insured per annum (terms and conditions apply) |
| AYUSH treatment | Up to the sum insured |
| Daycare treatment | Up to the sum insured |
| Pre-hospitalisation | 60 days |
| Post-hospitalisation | 120 days |
| Ambulance charges | Up to the sum insured |
Here are more details about the coverage of the ACKO ₹1 Cr Platinum Plan.
All healthcare expenses arising from hospitalisation are covered under our ₹1 crore health plan. You can claim any type of approved hospitalisation expenses that are medically required (just make sure you share your past and current medical history while purchasing the policy).
You can claim medical expenses towards pre-hospitalisation for up to 60 days. And for up to 120 days towards post-hospitalisation expenses related to an approved hospitalisation.
In case of a medical emergency, and if you cannot get sufficient medical facilities, we shall cover the cost of transporting you to a better-equipped hospital. The coverage includes transportation through a medically-equipped road ambulance, aircraft, train or a commercial airline.
You shall not receive coverage for undisclosed medical conditions.
No coverage for medical expenses toward childbirth and delivery.
Medical expenses for the treatment and surgery for eyesight correction less than 7.5 dioptres are not covered.
Hospitalisation expenses for the treatment of infertility and sterility are not covered.
No coverage for surgeries related to weight control except if it is required for medical purposes.
Medical costs arising from change-of-gender treatments are not covered.
The plan does not cover medical expenses from dental and cosmetic surgery unless it is medically required.
The cost of prosthetics and other medical devices is not covered.
Medical expenses of the treatment arising from an attempted suicide are not covered.
Expenses related to supplements and hormonal therapies are not covered.
Here’s why you should consider buying health insurance online in Bangalore.
With 100% digital transactions, you skip the unnecessary paperwork to buy or renew a health insurance policy or raise a claim. You can access such essential services with just a few clicks/taps through our website/mobile app.
One of the primary benefits of purchasing medical insurance online is the convenience of comparing different plans and then deciding on a suitable one. Scroll to the top of this page to instantly get a health insurance quote in Bangalore and compare it with other options to make an informed purchase decision.
Buying health insurance in Bangalore through the traditional offline setup can be cumbersome. In contrast, our online setup and 24x7 support not only enable buying the policy in a hassle-free manner but also make the entire insurance experience effortless.
ACKO Health Insurance provides Bengaluru residents with a convenient and comprehensive health coverage solution. With its digital-first approach, affordable premiums, and flexible plans, ACKO makes it easy to protect yourself and your family from unexpected medical expenses. Backed by a strong claim settlement ratio, ACKO ensures a seamless and reliable health insurance experience for those in Bengaluru.
Disclaimer: *Except for exclusions like maternity benefits, undisclosed diseases, etc. Please check policy wordings for more details.
The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.
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Reviewed by Dr. Harshita Dahiya 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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