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Health Insurance in Chennai

All hospital expenses*, 100% covered

✅ Zero waiting period ✅ Zero deductions at claim

Waiting period
Cashless hospitals
Bills covered

Home / Health Insurance / Best Health Insurance / Best Health Insurance in Chennai

Increasing pollution levels coupled with the stress of city life make living in Chennai challenging. Additionally, lifestyle-related diseases pose a significant threat. This is where securing the best health insurance in Chennai can prove vital.

In case you are wondering if it is necessary to buy health insurance in Chennai, then read ahead as we will be explaining the benefits of medical insurance in your city, specifically ACKO’s Rs. 1 crore policy. 

Why do you need health insurance in Chennai
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Chennai aka Madras, is the capital of Tamil Nadu. It is an industrial hub and houses several renowned educational and commercial organisations. It is also, predictably, the most populated city in the state. Due to its fast-paced life, environmental challenges, and constant development, the people of Chennai are exposed to work-related strain, pollution, and infectious diseases.

All these adversely affect the health of people residing in Chennai. Fortunately, Chennai is equipped with some of the best health care facilities in the state. The only downside is that the cost of availing of treatment can be on the higher side. Here’s where health insurance can help you manage these costs and get the treatment you require.

Why should you buy online health insurance in Chennai?
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There are primarily two modes of buying health insurance in Chennai, namely, the online mode and offline mode. We recommend that you opt for the online mode and here’s why.


Low pricing
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Buying health insurance online is usually more cost-effective than the offline alternative. The reason for this is, selling online saves a lot on operational costs. These saved costs enable online insurers like ACKO to offer health policies at affordable rates.


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Online health insurance allows you to purchase insurance, apply for claims, and complete a quick policy renewal via your mobile phone, regardless of your location in the city. For example, while buying online medical insurance in Chennai, you can enter details digitally and skip the boring paperwork.


Compare insurance options
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Buying online also gives you the advantage of being able to compare health insurance plans on the internet. So, based on your requirements and budget you can choose a suitable policy and get good value for your money.

Benefits of medical insurance in Chennai from ACKO
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ACKO is a leading digital-first insurance company in India. We offer a unique Health Insurance Policy with a 1 crore sum insured that is available in Chennai city. Here are its benefits.

Key features ACKO advantage
Waiting period Nil
Co-payment 0%
Room rent Up to Rs. 1 crore (any hospital room of your choice)
Pre-hospitalisation 60 days
Post-hospitalisation 120 days
Daycare treatment Up to Rs. 1 crore
AYUSH treatment Up to Rs. 1 crore
Deductions at claim Nil
Critical Illness Cover Included in the same plan
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
Teleconsultations Up to Rs. 1 crore
Inflation protect 10% increase of sum insured per annum (terms and conditions apply)
Ambulance charges Up to Rs. 1 crore
Network hospitals 14,300+ hospitals



What is covered in the ACKO health insurance plan in Chennai
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The following are the coverages of ACKO’s Rs. 1 Cr sum insured plan available in Chennai.

✅Most hospitalisation scenarios: Usually, health plans have a limit to their extent of coverage. However, our health plan covers most hospitalisation expenses. Just make sure to disclose your up-to-date medical history at the time of buying the policy.

✅Ambulance charges: Medical policies usually cover ambulance charges from your home to the health centre either partially or not at all. However, under ACKO’s Rs. 1 Cr Plan, you are covered for ambulance services up to the plan’s sum insured.

✅Emergency transport: During a medical emergency, if you are in a locality in Chennai that doesn’t have proper healthcare facilities, we will cover transportation costs to a well-equipped hospital. This includes coverage for an ambulance, train, airline or medically equipped aircraft.

✅Daycare procedures: Our health plan also covers daycare treatments like Angiography, Cataract, Septoplasty, etc.

✅Wider coverage for hospitalisation expenses: Get coverage for up to 60 days for pre-hospitalisation expenses and up to 120 days for post-hospitalisation expenses. Regular plans usually offer coverage for a much shorter duration.

What is not covered in the ACKO health insurance plan in Chennai
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Our health plan does not offer coverage for the following few instances.

Uniformed medical conditions: Medical conditions that are not disclosed at the time of buying the policy will not be covered.

Correction of eyesight: Expenses towards correcting of eyesight below 7.5 dioptres is not covered.

Maternity costs: Costs involved in child-birth and delivery are not covered.

Infertility and sterility treatments: Medical procedures for infertility and sterility are not covered.

Gender altering treatments: Medical expenses for changing one’s gender are not covered.

Weight-loss surgeries: Weight-loss procedures are not covered unless medically required.

Dental treatment and cosmetic surgery: The cost of undergoing dental treatment or cosmetic surgery is not covered unless required on account of accidental injuries.

Suicide attempts: Treatment for medical complications due to a suicide attempt is not covered.

Hormonal therapy and supplements: Coverage does not extend to costs involved in undergoing hormonal therapy or acquiring supplements.

Note: Please refer to the policy wordings of the plan to know the full list of its inclusions and exclusions.

List of cashless network hospitals in Chennai
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Here is a list of some of Chennai’s most prominent health centres that are a part of ACKO’s network hospitals.They offer the cashless claims option, where the hospital bill (for covered expenses) is settled directly by us. 

Click here to refer to the full list of our Chennai network hospitals.

Tips for finding the best health insurance policy in Chennai
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You can find the best health insurance in Chennai by following the below-mentioned tips.

  1. Buy health insurance online: As mentioned earlier, online health insurance in Chennai is more cost-effective, convenient and less time-consuming than the offline alternative. It also enables you to compare plans and pick the most suitable one.

  2. Be sure of your requirement: Before buying insurance it is important to assess your health condition, medical requirements and the resulting cost. Knowing this information will help you choose a suitable health policy according to your budget.

  3. Use the health insurance premium calculator: Health insurer websites (such as ACKO’s) usually have a health insurance premium calculator tool. This tool computes the insurance premium payable by you based on your requirements. You can use this tool to get a free quote and compare policies.

  4. Opt for wide coverage: Based on your budget, choose a medical plan that offers adequate coverage. Ideally, try to get a plan that offers wide coverage like ACKO’s Rs. 1 Crore Plan. That way, you do not have to stress about getting the best healthcare services when you need them.

  5. Be aware of the inclusions and exclusions: Before buying a health plan, go through its policy wordings completely to find out its inclusions and exclusions. Make sure that the coverage of the plan is broad enough to cover most medical expenses. 

  6. Review the list of network hospitals: During a medical emergency you need to get immediate medical attention. So, make sure to check if at least a few of the network hospitals mentioned under the policy are accessible to you.

  7. Avoid deductibles and co-payment: Opting for deductibles and co-payment options may reduce the payable premium but during a medical emergency, you will have to pay a considerable part of the expenses from your own pocket. This may cause you unnecessary stress during a medical crisis. That is why it is ideal to buy a policy that offers complete coverage.

  8. Waiting period: Waiting period is a clause in health insurance wherein you can raise a claim for specific health conditions only after a predefined period of time. This can be inconvenient if you suffer from a pre-existing health condition. Fortunately, under ACKO’s health plan you need not serve any waiting period. You can raise claims from day one.

Reasons to buy health insurance in Chennai
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Here are the top reasons why you should consider buying medical insurance in Chennai.

Types of health insurance in Chennai
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If you are seeking medical insurance in Chennai, here are the different options available for you. Note that these plans are based on availability. 

  1. Group Health Insurance

  2. Personal Accident Insurance Policy

  3. Critical Illness Insurance

  4. Mediclaim Insurance Plan

  5. Illness-specific health insurance plans

Frequently asked questions
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Here are some of the frequently asked questions in the context of health insurance in Chennai.

How do I find the best medical insurance in Chennai?


To find the best medical insurance in Chennai, look for health policies that have features like high sum insured, less or no waiting period, no deductibles and copayments, a good range of network hospitals and a high Claim Settlement Ratio. ACKO’s health insurance plan ticks all these boxes. So, consider buying it to avail of a superior insurance experience.

What will happen if I get treated in a non-network Chennai hospital?


If you get treated in a non-network Chennai hospital, you cannot avail of cashless treatment. On the contrary, you have to pay for the expenses from your own pocket and claim reimbursement. As per the terms of the policy, your insurer will compensate you by reimbursing the covered medical expenses.

Is there a single health plan that can cover me and my family in Chennai?


Yes, there is a single health plan that can cover you and your family. It is called a “Family Floater Plan”. As per this plan, all the members of the plan can share a common sum insured. ACKO’s 1 Cr plan is one such plan where you can insure yourself, your spouse, and your children under one plan.

Does ACKO’s health plan available in Chennai cover COVID-19?


Yes, ACKO’s health plan available in Chennai offers coverage for the COVID-19 disease.

Are AYUSH treatments covered under ACKO’s health insurance policy in Chennai?


Yes, ACKO’s Rs. 1 Cr health policy covers AYUSH treatments like Ayurveda, Naturopathy, Homoeopathy, etc.