Health insurance in Chandigarh

All hospital expenses*, 100% covered

✅ Zero waiting period ✅ Zero deductions at claim

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Chandigarh is the joint capital of the states of Punjab and Haryana. It is also considered a city, district and union territory in India. Not only that, it is known for its glorious architecture, constant modernisation and rapid economic growth. In fact, as per the Meghalaya Human Development Report (2008), Chandigarh ranked the highest under Human Development Index among the Indian states. However, as is true with most developed cities, healthcare is expensive here.

Fortunately, medical insurance can financially shield you against high medical costs. So, if you are from this city, it is in your best interest to buy one. “But which health insurance in Chandigarh should I buy?”, you may ask. On this page, we will explain the features and benefits of ACKO’s 1 Crore Sum Insured Plan and how it can cover most, if not all your medical expenses in Chandigarh.

Need for health insurance in Chandigarh

Having access to quality healthcare is a basic necessity in a city. Since Chandigarh is well developed, it has a good range of best-in-class hospitals and clinics to choose from. The only catch is, that the costs of availing medical treatment is on the higher side. This is where buying health insurance in Chandigarh can benefit you. It can give you financial coverage for your medical expenses in exchange for a premium.

Why should you buy online health insurance in Chandigarh?
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Health insurance in Chandigarh is broadly sold via two mediums, namely, online and offline. Here’s why you will be better off buying a health policy online.

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Affordable policies
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Since online health insurance companies (like ACKO) function on a digital platform, they are able to cut down on operational expenses. These accumulated savings are then repurposed to offer medical policies to customers in Chandigarh that are budget-friendly.

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Ease of use
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Purchasing health insurance online takes a significantly shorter time compared to buying it offline. It also offers several remotely accessible functionalities like raising claims, changing personal details, policy renewal, etc. So, you can avoid visiting a branch office in Chandigarh for such tasks.

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Compare options
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Buying health insurance plans online gives you a perspective on the different health plans available. So, based on the coverage offered and the premium charged, you can compare and pick the best health insurance in Chandigarh for you.

Benefits of buying medical insurance in Chandigarh from ACKO
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ACKO’s unique 1 Cr Plan is wide-ranging and offers value for money. Here is a glance at some of its key features.

Key features ACKO advantage
Waiting period Nil
Daycare treatment Up to Rs. 1 crore
Pre-hospitalisation 60 days
Post-hospitalisation 120 days
Room rent Up to Rs. 1 crore (any hospital room of your choice)
Deductions at claim Nil
Co-payment 0%
Intensive Care Unit (ICU) charges Up to Rs. 1 crore
COVID-19 treatment Up to Rs. 1 crore
Preventive health checkup Every year for insured members above the age of 18 years
AYUSH treatment Up to Rs. 1 crore
Teleconsultations Up to Rs. 1 crore
Ambulance charges Up to Rs. 1 crore
Critical Illness Cover Included in the same plan
Network hospitals 7,000+ hospitals
Inflation protect 10% increase of sum insured per annum

Inclusions

Exclusions

What is covered in the ACKO Health Insurance Plan in Chandigarh?
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Keeping in mind the different medical expenses that our customers may encounter, we have put together an exhaustive list of inclusions in our 1 Cr Plan. The following are some of its key coverages.

Medically required hospitalisations: Catering toyour genuine medical needs and resulting expenses is our priority. So, we cover all your medical necessary hospitalisation expenses. The only condition is, you should communicate all your past and present medical conditions before buying our policy.

Extensive coverage: We cover your medical expenses not only during hospitalisation, but up to 60 days before hospitalisation and up to 120 days after hospitalisation as well.

Daycare procedures: We cover medical procedures that do not require hospitalisation for more than 24 hours. Examples of these kinds of treatments are appendectomy, chemotherapy, cataract, etc.

Transportation during a medical crisis: In the unfortunate event that you encounter a medical crisis in a remote locality that doesn’t have proper healthcare facilities, we will cover your transportation to a well-equipped hospital.

Ambulance fees: Health policies usually do not extend coverage for transportation from your house to the hospital and back in the event of a medical emergency. In contrast, our plan offers coverage for this expense up to the sum insured value.

What is not covered in the ACKO Health Insurance Plan in Chandigarh?
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The only time our plan doesn’t cover your medical expenses is under the following circumstances.

Uniformed health conditions: If you do not disclose your up-to-date health history at the time of buying our plan, we will not cover those hidden health conditions at the time of a claim.

Eyesight correction procedures: We do not cover the cost of eyesight correction procedures of eyes with an eyesight value of fewer than 7.5 dioptres.

Maternity costs: We do not cover medical costs that result from childbirth or delivery.

Infertility and sterility treatments: Our health policy is not inclusive of infertility and sterility treatments.

Gender-change procedures: We do not cover expenses for operations to change one’s gender.

Suicide attempt: We do not cover expenses for treating the bodily consequences of attempted suicide.

Cosmetic and dental treatments: We cover these only if medically necessary after enduring an accident.

Weight-loss treatments: We cover these treatments only if your doctor prescribes them to avoid serious health consequences.

Supplements and hormonal treatments: Our plan does not cover the expenses of buying supplements or undergoing hormonal treatments.

Note: The above-listed inclusions and exclusions are for explanatory purposes only. Kindly read through the policy wordings of our 1 Cr. Plan to know its exact coverages.

List of ACKO’s cashless network hospitals in Chandigarh

You can avail of cashless treatment in the network hospitals of your insurer. This is possible because your insurer has an agreement with such healthcare centres to pay them directly on your behalf. Here are some of our renowned network hospitals in your city.

Click here to check out the full list of our cashless network hospitals in Chandigarh.

Tips to find the best health insurance policy in Chandigarh

Here are some tips to find the best health insurance policy in Chandigarh.

Reasons to buy health insurance in Chandigarh

If you aren’t convinced already, here are some key reasons why you should consider buying medical insurance in Chandigarh.

Types of health insurance in Chandigarh

Here’s a list of different types of health insurance coverage in Chandigarh. Note that the policies are subject to availability. 

  1. Group Health Insurance

  2. Individual Health Insurance

  3. Mediclaim Insurance Plan

  4. Family Floater Health Insurance

  5. Personal Accident Insurance Policy

  6. Critical Illness Insurance

  7. Maternity Health Insurance

  8. Illness-specific health insurance plans

  9. Senior Citizens Health Insurance

  10. Top-up Health Insurance Plan

Frequently asked questions
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Here are the answers to some of the commonly asked questions regarding health insurance in Chandigarh.

What are the steps involved in availing cashless treatment in Chandigarh?

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Here are the simple steps to receive cashless treatment in Chandigarh if you are an ACKO policyholder.

  • Step 1: Inform us regarding your hospitalisation needs.

  • Step 2: Visit one of our network hospitals in Chandigarh and get treated.

  • Step 3: During billing, we will pay the medical expenses directly to the hospital, as per the terms of the plan.

Note: You have to pay for any medical expenses that are not covered under our plan.

What is the price of ACKO’s health insurance in Chandigarh?

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The price of ACKO’s 1 crore sum insured plan may vary from city to city. Also, the price may differ based on the add-ons you select. Nevertheless, you can visit our website and make use of our health insurance premium calculator tool to generate a free quote based on your requirements.

What are the age criteria for buying ACKO’s health insurance in Chandigarh?

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Individuals between the ages of 18 to 45 years can buy ACKO’s 1 Cr Plan in Chandigarh. You can also add family members (spouse and kids) up to the age of 45 years.

Does ACKO’s medical policy in Chandigarh cover COVID-19 treatment expenses?

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Yes, ACKO’s 1 Cr Medical Plan covers COVID-19 treatment-related expenses.

How long does it take for ACKO’s health plan to activate after purchase?

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ACKO’s health plan has no initial waiting period. So, you can benefit from its coverage from the moment you buy the plan.

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.

ACKO Health Insurance in Major Cities in India
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ACKO General Insurance Limited

2nd Floor, #36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102

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CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. | *Save Rs. 45,000 has been calculated on IDV of 20,00,000, 0% NCB and select add-ons. Amount saved is in comparison to Acko's F&U filing. Product name: Private Car Policy - Bundled | UIN: IRDAN157RP0014V01201819 |

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