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Best Health Insurance Plans in India

Protect Your Health with the #1 Health Insurance in India. Find the Ideal Health Plan for Your Needs Today!

✅ Plans starting @ Rs. 20/day* ✅ Zero waiting period and out of pocket costs

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Home / Health Insurance / Best Health Insurance Plans in India

Best health insurance plan must offer valuable services and features. It should reduce your out-of-pocket expenses and provide sufficient coverage. Considering factors such as the sum insured, the number of dependents, inclusions and exclusions, etc., can help you buy the most suitable policy for your needs. So, in this article, we are sharing details on how you can select the best medical insurance policy in India with several options available.

Best Health Insurance Policy in India: Choose what suits you
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The best health insurance plan in India could be different for different people as per their needs. Ideally, such a plan must come with features and services that are tailored to your individual needs. 

For example, consider Mr. A has three dependents — a wife and two kids. The best healthcare plan for him can be the one that covers him and his dependents with a sufficient sum insured for one year. It should have features that will reduce the out-of-pocket expenses for Mr. A when he or the covered family members face a medical emergency. 

It will be an added advantage if the health insurance offers valuable features like no waiting period or benefits like teleconsultations. This way, you don't need to spend much during a medical event and can avail multiple second opinions from experts through tele-consultations. Other people could have different types of requirements from their health plans. One example could be senior citizens. Since they might require more medical attention as compared to someone in their 20s, the senior citizens must choose the coverage that is extensive in nature. The definition of best medical insurance plans can thus differ from person to person.

Why ACKO Health Insurance Policy is India's Top-Ranked Health Insurance Company
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At ACKO Health Insurance Policy, we take great pride in providing our customers with unparalleled service and coverage. Our dedication to excellence has been acknowledged by Livemint, who has ranked us as India's top-ranked health insurance company. Read more about our award-winning services and coverage. Source : Livemint


Why do you need to buy the best health insurance policy?
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It is essential to buy the best health policy because of the following reasons.

To cope with rising healthcare expenses
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Healthcare costs are increasing rapidly. This makes it critical to have a financial backup that will cover your medical expenses. Wide-ranging healthcare plans are designed to provide maximum benefit in the time of need so that you can avail of timely treatment and recover in a worry-free manner.

To avoid saving or borrowing money for medical treatment
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Here’s a scenario.You need to arrange the required sum of money without a health insurance backup. You are left with two options: use the saved money (savings account, fixed deposit, etc.) or borrow it (ask friends, bank loan, etc.). Wide-ranging health insurance helps in avoiding these situations altogether by offering adequate financial assistance.

To secure a family's healthcare needs
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Family members often belong to different age groups. They may also suffer from different types of health conditions. If you have a Family-floater Health Plan, it will help you get the right treatment for your family members without putting a strain on your finances.

Benefits of having the best mediclaim health insurance policy in India
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Following are the benefits of having the best mediclaim health insurance policy in India.

List of ACKO best-buy Health Insurance Plans
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ACKO offers government-stated health plans as well as the ACKO Health Insurance Policy along with group insurance. Following are the details of ACKO’s best-buy health insurance plans.

Top reasons to choose ACKO Health Insurance as your insurance provider
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Here are the top reasons to select ACKO as your health insurance provider.

Digital Insurance
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ACKO is a digital-first insurance company and runs most of its operations online. This helps in completing the process faster and in a more efficient manner. Being digital also offers the advantage of being always online. You can buy our policies whenever and from wherever you like. All you need is an active internet connection and a smart device.

7.7 crore+ people covered
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Crores of people trust ACKO to find customised insurance solutions that come at a lower price and offer useful features. Our products range from specific coverage like  cab-ride insurance to wide-ranging coverage like health, motor, and corporate plans.

7000+ network hospitals
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We have a tie-up with more than 7000 hospitals around the country. The advantage here is you can avail of cashless claims if you get admitted to one of these medical facilities. Since one of the significant benefits of our health plan is “zero deductions at claims”, you won't be asked to make a payment to get treated in a network hospital.

24x7x365 customer support
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In case of doubts about the process, or products, you can contact us through our 24x7x365 customer support centre. Here, you can seek help and advice to reach a satisfactory solution.

How to find the best medical insurance plan for you?
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Following are some tips that will help you find the best medical insurance plan for you.

Buy the policy online
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Online health insurance is less expensive, more convenient, and takes less time to activate as compared to a health plan bought offline. With online insurance, you can also compare plans and choose the best one for you.

Know what you need
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You must evaluate your health condition, medical needs, and premium before buying the health plan. Analysing these details will allow you to search and buy a plan that’s most suitable to your needs and budget.

Use online tools
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Health insurer websites (like typically provide a tool for calculating premiums. This tool lets you know the insurance premium you must pay to buy the desired coverage based on your needs. 

Know what is covered and what isn't
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Before choosing a health plan, carefully read the policy wordings to determine what is covered and what isn't. Ensure that coverage is extensive enough to cover the majority of treatment expenses.

Frequently Asked Questions (FAQs)
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Following are some common questions about health insurance in India.


Should my health plan have a waiting period?

Ideally, if you are looking for the best health insurance plan suitable for your needs, then it must not have any waiting period. You should be covered from day 01. ACKO offers a health plan with zero waiting period for undisclosed medical conditions. It's called ACKO Health Insurance Policy.

What percentage of the claim amount do I need to pay while claiming ACKO Health Insurance Policy?

You bear 0% of the claim amount while claiming ACKO Health Insurance Policy. This is because of the feature called zero deductions at claims. There are no out-of-pocket expenses involved under this plan provided you adhere to the applicable terms and conditions.

What happens if insufficient medical equipment is unavailable when I face an emergency?

Under the ACKO Health Insurance Policy, we can arrange the necessary transport by air, rail, or road ambulance if enough medical equipment is unavailable when you face an emergency. This will ensure you receive the necessary treatment in the fastest manner possible.

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.