All hospital expenses*, 100% covered
✅ Zero waiting period ✅ Zero deductions at claim
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.
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.
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.
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.
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.
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.
ACKO’s unique 1 Cr Plan is wide-ranging and offers value for money. Here is a glance at some of its key features.
|Up to Rs. 1 crore
|Up to Rs. 1 crore (any hospital room of your choice)
|Deductions at claim
|Intensive Care Unit (ICU) charges
|Up to Rs. 1 crore
|Up to Rs. 1 crore
|Preventive health checkup
|Every year for insured members above the age of 18 years
|Up to Rs. 1 crore
|Up to Rs. 1 crore
|Up to Rs. 1 crore
|Critical Illness Cover
|Included in the same plan
|10% increase of sum insured per annum
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.
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.
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.
Mukat Hospital and Heart Institute (A unit of City Clinic Pvt. Ltd.)
Healing Hospital And Institute of Paramedical Sciences
CLOUDNINE (A UNIT OF KIDS CLINIC INDIA PVT. LTD.)
Global Health Care
Laser Eye Clinic
Kapoor's Kidney and Urostone Centre Pvt. Ltd.
Click here to check out the full list of our cashless network hospitals in Chandigarh.
Here are some tips to find the best health insurance policy in Chandigarh.
Consider your requirements: If you take into consideration your current health status and the possible future medical costs, you will be able to select a medical plan that fits your needs perfectly.
Purchase your policy online: As discussed earlier, health policies bought online are usually cost-effective.
Opt for comprehensive coverage: As your budget permits, choose a health plan that covers most medical scenarios. That way, there will be less chance of your claim request being rejected during a claim.
Avoid copay, coinsurance and deductibles: These are cost-sharing schemes, and so you will have to pay a portion of the medical expense at the time of a claim. Go through the policy wordings of a plan carefully to make sure that these are not included.
Good range of network hospitals: Make sure that the insurer you choose has a good range of quality cashless network hospitals in Chandigarh. That way, getting emergency medical care if required will be convenient.
Short or no waiting period: Choose a health policy that either offers a short or no waiting period for pre-existing diseases. Otherwise, you may be stuck in a situation where you cannot raise a claim for a period of time, although you are covered under a health policy.
Check the terms and conditions: Before buying insurance, go through the policy wordings to know its inclusions and exclusions. That way, you can identify if it is offering adequate coverage for your needs or not.
If you aren’t convinced already, here are some key reasons why you should consider buying medical insurance in Chandigarh.
Possessing health insurance in Chandigarh can help you manage healthcare expenses during a medical emergency for you or your loved ones.
As per section 80D of the income tax act, you can claim tax exemption for the premium paid towards your health insurance.
Not only will your hospitalisation expenses be covered, but you can also claim against medical expenses incurred a few days before and after your hospitalisation.
Coverage also extends to critical illness treatments, daycare procedures, teleconsultations, etc.
You, your spouse and your little ones can be covered under the umbrella of a single health plan.
Be covered against most medical expenses under a massive Rs. 1 Crore sum insured value.
Here’s a list of different types of health insurance coverage in Chandigarh. Note that the policies are subject to availability.
Group Health Insurance
Personal Accident Insurance Policy
Illness-specific health insurance plans
Here are the answers to some of the commonly asked questions regarding health insurance in Chandigarh.
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.
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.
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.
Yes, ACKO’s 1 Cr Medical Plan covers COVID-19 treatment-related expenses.
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.