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Best health insurance for 1 Adult

Securing your loved one’s health against rising medical expenses is now easy! Get comprehensive health insurance for 1 Adult starting @Rs. 20/per day*

Zero Waiting period
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14,300+ Cashless hospitals
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100% Bills covered
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Home / Health Insurance / Individual Health Insurance / Best Health Insurance for 1 Adult

Securing one's health requires careful assessment of present and future needs due to India's steadily rising medical costs. This is where creating a financial back-up makes sense. At ACKO, you get comprehensive coverage at affordable premiums. This provides complete peace of mind against any uncertain out-of-pocket medical costs. The best individual plan thereby securely shields finances and allows focus on one’s health.

The need for health insurance for 1 adult
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As people get older, the risk of lifestyle diseases like diabetes and heart problems may increase. A good health insurance plan can help pay for expensive treatment costs. Health Insurance ensures these costs don't burden finances.

Certain hereditary conditions have symptoms starting at young ages. Insurance provides protection should any underlying family health risks emerge. While single now, most adults will have families later. Having better health insurance ensures funds are available for family medical expenses in the future without having to forego coverage or pay higher premiums later.

Tax benefits make insurance more affordable: Up to Rs. 25,000 premiums paid annually are eligible for tax deductions under Section 80D, reducing overall health insurance costs/tax outgo.

Which is the ideal plan for covering 1 adult under health insurance?
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When it comes to health insurance in India, there are several types of plans available, including: 

Critical Illness Insurance
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Critical Illness Insurance plan Provides coverage for specified critical illnesses such as cancer, heart attack, kidney failure, etc.

Individual Health Insurance
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 individual health insurance plan covers a single individual for hospitalisation expenses, pre- and post-hospitalisation, daycare procedures, etc.

Senior Citizen Health Insurance
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Senior Citizen Health Insurance plan Provides coverage for age-related medical conditions and hospitalisation expenses.

Family Floater Health Insurance
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Family Floater Health Insurance plan Covers the entire family (self, spouse, dependent children, parents) under a single policy.

Group Health Insurance
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Group Health Insurance plan Covers a group of people under a single policy, usually at lower premiums compared to individual plans.


Super Top-up Health Insurance
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Super Top-up Health Insurance plan is An additional health insurance policy that provides coverage over and above the existing health insurance plan.

An individual health insurance plan is often the ideal solution for an individual adult looking to get covered under health insurance. Individual plans allow you to select the coverage amount, benefits, and premium that best fit your healthcare needs and budget. You can cover expenses like hospitalisation, pre and post-hospitalization, daycare procedures, doctor consultations, health check-ups, etc.

What benefits do I get for choosing ACKO?
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ACKO's Platinum Health Insurance Plan
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Our most robust plan provides maximum coverage:

ACKO Standard Health Insurance Plan
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Our affordable plan balances coverage scope and premiums:

ACKO Platinum Super Top-up
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Enhances existing health plans cost-effectively:

With over 14,300+ network hospitals across India ensuring zero paperwork cashless claims settlement, ACKO policyholders are assured of swift healthcare access whenever and wherever needed. ACKO also offers distinct benefits like zero co-pay requirements on room rents, lifelong renewability with no change in pricing or coverage, and industry-first propositions for day 1 coverage of pre-existing conditions - features not seen together in other insurance products. The future-focused approach has created a differentiated value proposition for customers.


How much sum assured in health insurance is needed for 1 Adult?
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Here are some tips to select your ideal sum insured under health insurance for an adult.

Choosing a sum insured aligned to both current and long-term healthcare expenditure enables customising an optimal health insurance plan best suited to protecting yourself holistically

How much do I have to pay to buy my ideal sum insured?
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The ideal sum insured for health insurance varies based on factors such as age, lifestyle, medical history, and income. Here's an example of the ideal sum insured for a single adult, along with a cost breakup:

Single Adult:

calculate your health insurance needs with health insurance premium calculator

Investing in a higher coverage plan can be a strategic decision for long-term health and financial well-being because:

  1. Medical inflation: Healthcare costs are rising at a faster rate than general inflation. A higher sum insured ensures that you are adequately covered in the future. For instance, a treatment that costs ₹5 lakhs today may cost ₹15-20 lakhs after 10-15 years due to medical inflation.

  2. Lifestyle diseases: Sedentary lifestyles and changing dietary habits have led to an increased risk of lifestyle diseases such as diabetes, hypertension, and cardiovascular disorders, even among younger adults. These conditions often require prolonged and expensive treatment, which can be financially draining without adequate insurance coverage.

  3. Protecting savings: A higher sum insured helps protect your hard-earned savings and investments from being drained due to unexpected medical emergencies. It ensures that your long-term financial goals, such as buying a house, saving for retirement, or starting a business, are not compromised due to a medical crisis.

  4. Wider coverage: Higher sum insured plans often come with additional benefits such as room rent waivers, no sub-limits on specific treatments, and coverage for alternative treatments like AYUSH. These benefits provide more comprehensive coverage and flexibility in treatment options.

  5. Tax benefits: Health insurance premiums paid towards a higher coverage plan are eligible for tax deductions under Section 80D of the Income Tax Act, 1961. For self, spouse, and dependent children, the maximum deduction allowed is ₹25,000 per year (₹50,000 for senior citizens).

Factors to Consider While Getting a Health Insurance For 1 Adult
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Which type of claim is better? Cashless or reimbursement claim? 
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When it comes to health insurance claims, there are two main types: cashless claims and reimbursement claims. Let's explore each of these and understand why cashless claims might be more beneficial for many policyholders.

Cashless Claims:
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Reimbursement Claims:
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Cashless claims can be more beneficial for policyholders for the following reasons:

  1. Immediate Medical Attention: In case of a medical emergency, a cashless claim ensures that the policyholder receives immediate treatment without worrying about arranging funds. This is especially crucial when dealing with critical illnesses or accidents where timely medical intervention is essential.

  2. Financial Relief: Cashless claims provide significant financial relief to policyholders, especially those who follow a monthly budget or may not have access to substantial savings or instant cash. With cashless claims, policyholders can focus on recovery without the added stress of arranging money for treatment.

  3. Simplified Process: Cashless claims involve a simpler process compared to reimbursement claims. The policyholder only needs to inform the insurance company and present their health card at the network hospital. The insurance company then takes care of the rest, reducing paperwork and follow-ups for the policyholder.

  4. Time-saving: With cashless claims, policyholders save time that would otherwise be spent on collecting bills, submitting documents, and following up with the insurance company for reimbursement. This allows them to focus on their recovery and well-being.

  5. Suitable for Planned Treatments: Cashless claims are particularly beneficial for planned treatments or surgeries, as policyholders can obtain pre-authorization from the insurance company and avoid the hassle of arranging funds or waiting for reimbursement post-treatment.

Why is raising claims easier with ACKO policies?
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ACKO, as a new-age digital insurer, relies on integrated mobile apps and data-led automated approvals that make policy issuance, claims processing, and renewals hassle-free for individuals, too, without tedious paperwork. This makes financial protection highly convenient anytime, anywhere for individuals, minus struggles.

Wrap it Up!
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Rising lifestyle diseases and advancing healthcare costs make purchasing adequate health plans the only prudent way ahead for individuals too to remain financially protected. Quality policies with sufficient coverage and reliable cashless services ensure individuals remain supported through life's uncertainties.

Frequently Asked Questions (FAQs)
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Here are some common questions about Best health insurance for 1 Adult


What are the main types of health insurance plans offered by ACKO? 

ACKO offers three main health insurance plans: ACKO Platinum Plan (comprehensive coverage with a wide range of benefits), ACKO Standard Health Plan (affordable coverage for essentials), and ACKO Platinum Super Top-up Plan (additional coverage on top of an existing health insurance policy).

How does ACKO ensure hassle-free claims processing? 

ACKO relies on integrated mobile apps and data-led automated approvals, making policy issuance, claims processing, and renewals convenient and paperwork-free for individuals.

Can pre-existing conditions be covered under ACKO's health insurance plans? 

Yes, ACKO's health insurance plans, such as the Premium Health Insurance Plan, provide coverage for pre-existing conditions from day 1, without any waiting periods.

How does ACKO's Standard Health Insurance Plan balance coverage and affordability? 

ACKO's Standard Health Insurance Plan offers cashless hospital access through an extensive network, covers inpatient and day-care treatments, and adds critical illness coverage at a marginal cost.

Are there any benefits of choosing ACKO Platinum Super Top-up Plan? 

ACKO's Platinum Super Top-up Plan functions as independent insurance while covering the deductibles of the base health policy. It eliminates non-medical expenses applicable under the primary insurance, lowering out-of-pocket costs and maximising coverage value.

Disclaimer: 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.