Best Health Insurance Plans in Bangalore
Discover the top health insurance plans in Bangalore with comprehensive coverage and affordable premiums. Stay protected and secure today.
✅ Zero waiting period ✅ Zero deductions at claim
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Bengaluru, formerly Bangalore, is the Information Technology (IT) capital of India. Home to several startup unicorns, IT companies, and manufacturing industries, Bangalore is fast becoming a large metropolitan city. However, the city faces challenges in the form of bad road conditions, traffic congestion, and rising pollution levels. Thus, the probability of people being diagnosed with lifestyle-related illnesses or meeting an accident is higher.
In such a scenario, it is vital to buy a dependable health insurance policy in Bangalore to overcome the financial losses due to hospitalisation. At ACKO, you can buy a reliable policy that is modern, comprehensive and offers new-age healthcare services. Read ahead to know more about ACKO Platinum Health Insurance Plan.
Need for Health Insurance in Bangalore
Medical inflation is on the rise, and more people are increasingly being diagnosed with lifestyle-related illnesses. In addition to the rising medical costs, accidents are also a common sight due to bad road conditions and unruly road users. With the cost of quality healthcare increasing every day, health insurance as soon as possible is vital.
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. Buy one of the best medical insurance in Bangalore today to protect yourself against medical inflation and stay financially protected.
Why should you buy online health insurance in Bangalore?
Here’s why you should consider buying health insurance online in Bangalore.
Quick and easy
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.
Comparison of plans
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.
Hassle-free health insurance
Buying health insurance in Bangalore through the traditional offline setup can be cumbersome. In contrast, our online setup and 24x7 support not only enables buying the policy in a hassle-free manner but also makes the entire insurance experience effortless.
Benefits of medical insurance in Bengaluru from ACKO
We offer a Health Insurance Policy with a 1 crore sum insured amount. Here are some of the benefits of buying medical insurance in Bengaluru from ACKO.
| Key features | ACKO advantage |
|---|---|
| Waiting period | 0 days |
| Deductions at claim | Nil |
| Co-pay | 0% |
| Room rent | Up to Rs. 1 crore (any hospital room without deductions) |
| Intensive Care Unit (ICU) charges | Up to Rs. 1 crore |
| Critical Illness Cover | Included in the same plan |
| Network hospitals | 14,300+ hospitals |
| Teleconsultations | Up to Rs. 1 crore |
| Preventive health checkup | Every year for insured members above the age of 18 years |
| COVID-19 treatment | Up to Rs. 1 crore |
| Inflation protect | 10% increase of sum insured per annum (terms and conditions apply) |
| AYUSH treatment | Up to Rs. 1 crore |
| Daycare treatment | Up to Rs. 1 crore |
| Pre-hospitalisation | 60 days |
| Post-hospitalisation | 120 days |
| Ambulance charges | Up to Rs. 1 crore |
What is covered
What is not covered
Here are the coverage details of our Rs. 1 Cr ACKO Platinum Health Insurance Plan.
Medically required hospitalisation: All healthcare expenses arising from hospitalisation are covered under our 1 crore health plan. You can claim any type of hospitalisation expenses that are medically required (just make sure you share your past and current medical history while purchasing the policy).
Wider coverage for pre and post-hospitalisation: You can claim medical expenses towards pre-hospitalisation for up to 60 days. And for up to 120 days towards post-hospitalisation expenses.
Emergency transport: 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 commercial airline.
Daycare treatments: Our health insurance plan covers medical expenses for minor procedures such as cataract surgery.
Ambulance charges: We cover the ambulance charges of up to the sum insured.
Here are the exclusions under our Rs. 1 crore health insurance plan.
Undisclosed medical conditions: You shall not receive coverage for undisclosed medical conditions.
Maternity cost: No coverage for medical expenses toward childbirth and delivery.
Eyesight correction: Medical expenses for the treatment and surgery for eyesight correction less than 7.5 dioptres are not covered.
Infertility and sterility treatment: Hospitalisation expenses for the treatment of infertility and sterility are not covered.
Weight control surgery: No coverage for surgeries related to weight control except if it is required for medical purposes.
Change-of-gender treatment: Medical costs arising from change-of-gender treatments are not covered.
Dental and cosmetic surgery: The plan does not cover medical expenses from dental and cosmetic surgery unless it is medically required.
Prosthetics and other devices: The cost of prosthetics and other medical devices are not covered.
Attempted suicide: Medical expenses of the treatment arising from an attempted suicide are not covered.
Supplements and hormonal therapy: Expenses related to supplements and hormonal therapies are not covered.
Tips for finding the best health insurance policy in Bangalore
Here are some valuable tips for buying the best health insurance policy in Bangalore.
Assess your needs:
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.
Use the online health insurance premium calculator:
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.
Opt for maximum coverage:
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.
Check the network hospitals:
We have partnered with several medically well-equipped hospitals in Bangalore. Check the list of network hospitals to avail of the best medical care.
Check what is not covered:
Health insurance policies have exclusions. Check what is not covered under the policy since you cannot file a claim against such healthcare expenses.
Waiting period:
Rs. 1 Cr. ACKO Platinum Plan has a Zero Waiting Period for hospitalisation. However, you need to ensure that you inform us about your past and present medical history to enjoy this benefit.
Deductions at claims:
No deductions. 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.
Reasons to buy health insurance in Bengaluru
There are several reasons why you need medical insurance in Bengaluru. Here are some of the common benefits of health insurance.
To save money
Coverage for critical illnesses
Avail deduction under section 80d of the Income Tax Act, 1961
Coverage for hospitalisation expenses
Avail of teleconsultations for quicker doctor examination
Get compensation for daycare expenses
Option to opt for a higher sum insured of up to Rs. 1 crore
Types of health insurance in Bangalore
Here are the types of health insurance plans in Bangalore. Plans are subject to availability at ACKO.
ACKO Platinum Health Insurance Plan
ACKO Standard Health Insurance Plan
Illness-specific health insurance plans (example: Corona Kavach, etc.)
Explore more:
Frequently asked questions
Here are answers to questions about health insurance in Bangalore.
Which is the best health insurance policy in Bangalore?
The best health insurance policy in Bangalore should be affordable and offer comprehensive coverage, a lower waiting period, and lower deductibles/co-pay. Broader coverage with a sum insured amount of up to Rs. 1 crore can help you get quality healthcare without worrying about financial implications. ACKO’s 1 crore health insurance policy does just that. It comes with zero waiting period, zero deductions during claims, no cap on room rent or ICU charges, and various other benefits.
Is it possible to buy health insurance in Bangalore online?
Yes, you can buy the ACKO health plan online. You can also scroll to the top of this page to get a health insurance quote. Most of our services are through our online platforms.
Can I file a claim immediately after buying the health insurance policy in Bangalore?
Yes. With ACKO, you can raise a claim against your 1 cr. policy from day 1. There is no waiting period in the health insurance policy we offer. Ensure that you tell us about your past and present medical conditions (if any) before you buy the policy to enjoy the Zero waiting period benefit.
Can I buy a single health insurance plan for myself and my family in Bangalore?
Yes, you can buy the Family Floater Health Insurance Policy. Under this policy, you and your family are covered for hospitalisation expenses. All the insured persons in the policy shall share the sum insured amount.
What is the maximum number of claims I can raise against my health insurance policy in Bangalore?
There is no limit to the number of claims you can raise during the policy period. However, you can raise claims up to the sum insured amount stated in your policy. After exhausting the stated sum insured amount, you have to bear the medical expenses from your pocket.
| 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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