Health Insurance in Delhi

All hospital expenses*, 100% covered

✅ Zero waiting period ✅ Zero deductions at claim

Health Insurance in Delhi

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Delhi, India's capital, is known for the country's first-ever metro railway and freezing winters. Unfortunately, it is also known for being one of the most polluted cities in the world. It is home to more than 1.9 crore Indians who are exposed to health risks due to deteriorating air quality and other diseases. Thus, it is crucial to have a dependable health insurance policy in Delhi to avail of timely medical treatment. Read ahead for details about ACKO’s Rs. 1 crore health insurance policy and how it benefits you.

Delhi is a metropolitan city with advanced medical infrastructure. Here, the skyrocketing cost of medical treatment can quickly drain your savings. So, you may even delay treatment owing to expensive hospital costs. However, with ACKO Health Insurance Policy, your out-of-pocket expenses for covered medical treatment are almost zero. Irrespective of the hospital you are being treated at, you will get a 100% claim amount without any deductibles. Thus, there’s no need to feel overwhelmed by expensive hospitals and delay your treatment.

Need for health insurance in Delhi

Having a financial backup for medical emergencies can help provide peace of mind. Apart from that, here are some other reasons for buying a health plan in Delhi.

  1. Health insurance will help you get timely medical treatment.

  2. You can avail of insurance coverage for things like hospitalisation, critical illness, wellness plans, and a lot more.

  3. Get access to features like teleconsultations.

  4. Even though daycare treatments last for a lesser duration, they can cost more. Health insurance will cover these costs.

  5. You get health insurance for your spouse and children under one plan. No need to buy multiple policies.

  6. A high sum insured ensures that most of the medical emergencies are covered.

  7. You can receive tax benefits for purchasing health insurance under section 80D of the Income Tax Act.

Why should you buy online health insurance in Delhi?

Here’s why you should consider buying health insurance online in Delhi from ACKO.

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Buying online is convenient

Buying health insurance online is way more convenient than purchasing it from an agency or visiting the insurer’s sales office. If you are opting for the online method, all you need is an active internet connection, an internet-enabled device, and some details to buy the policy.

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No paperwork to buy plans

Digital health insurance allows you to buy insurance quickly without submitting any physical paperwork. This reduces the processing time required to purchase the policy and kickstart the coverage.

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Compare health plans online

With online comparison tools, you can compare multiple health plans within a few clicks. You can compare parameters like coverage, premium, value-added services, etc., and then buy the most suitable plan. On the other hand, comparing plans manually can take up a lot of time.

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No middlemen commissions

If you choose to buy online health insurance in Delhi, then you can buy the policy directly from ACKO. This way, you skip middleman commissions and can get the policy at a lower rate as compared to offline plans.

Benefits of buying medical insurance in Delhi from ACKO

ACKO is a digital-first health insurance company. We offer the all-encompassing health policy with a sum insured of Rs. 1 crore. 

You get the following benefits for buying ACKO Health Insurance Policy with 1 crore sum insured.

Key features ACKO advantage
Co-pay 0%
Waiting period 0 days
Intensive Care Unit (ICU) charges Up to Rs. 1 crore
Critical Illness Cover Included in the same plan
Preventive health checkup Every year for insured members above the age of 18 years
Teleconsultations Up to Rs. 1 crore
Deductions at claim Nil
Room rent Up to Rs. 1 crore (any hospital room without deductions)
Inflation protect 10% increase of sum insured per annum (terms and conditions apply)
Network hospitals 7,000+ hospitals
Daycare treatment Up to Rs. 1 crore
COVID-19 treatment Up to Rs. 1 crore
AYUSH treatment Up to Rs. 1 crore
Ambulance charges Up to Rs. 1 crore
Pre-hospitalisation 60 days
Post-hospitalisation 120 days

Inclusions

Exclusions

What is covered in the ACKO health insurance plan in Delhi?

Here are the coverage details of our Rs. 1 crore health insurance plan.

Coverage for treatment costs: We cover medically necessary hospitalisation covered under the plan. This includes treatment for disclosed pre-existing diseases, hospitalisation due to a critical illness, injuries, and more.

More coverage for pre and post-hospitalisation: Usually, insurers allow coverage for 30 days of pre-hospitalisation and 90 days of post-hospitalisation. However, under ACKO Health Insurance Policy, you get 60 days for pre-hospitalisation and 120 days for post-hospitalisation coverage for medical treatment.

Ambulance costs: We provide coverage for multiple ambulance trips up to the sum insured of Rs. 1 crore. Thus, you practically avoid all the out-of-pocket expenses towards hiring an ambulance during a medical event.

Daycare treatments: Some medical procedures don't require you to get hospitalised for more than 24 hours. These are called daycare treatments. All such treatments are covered under the Rs. 1 crore plan.

Emergency transport: It may sometimes happen that an advanced medical facility is not available during an emergency. In this case, we can arrange for emergency transport to a well-equipped facility. This includes medically-equipped speciality aircraft, a train, or an ambulance.

What is not covered in the ACKO health insurance plan in Delhi? 

Following are the exclusions under our Rs. 1 crore health insurance plan.

Dental and cosmetic surgery: The costs for routine dental treatment or cosmetic procedures are not covered under this plan. Except if medically necessary due to an accident.

Weight loss surgery: The treatments for weight control are not covered unless medically necessary.

Suicide attempt: The cost of treatment after a suicide attempt is not covered.

Maternity and childbirth: Costs related to maternity and childbirth are not covered.

Vision correction: Vision correction surgery for less than 7.5 dioptres is not covered under this plan.

Undisclosed medical conditions: Any kind of undisclosed ailment is not covered.

Gender correction surgery: Treatment costs and hospitalisation related to gender correction are not covered.

Infertility and sterility treatment: This plan does not cover infertility and sterility treatment.

Prosthetics and other devices: Costs related to prosthetics are not covered.

Supplements and hormonal therapy: The expenses related to supplements and hormonal treatments are not included in the plan. 

Note: Please find the complete list of inclusions and exclusions of the ACKO Health Insurance Policy in the policy wordings.

List of cashless network hospitals in Delhi

ACKO has a tie-up with more than 7000 hospitals in the country. The following is a list of some of the reputed hospitals in Delhi where our policyholders can avail of a cashless facility. 

Click here for the complete list of ACKO’s cashless hospitals.

Tips for finding the best health insurance policy in Delhi

Finding the most suitable health insurance policy can be tricky, especially if you are buying it for the first time. But we have your back. Here are some useful tips that will help you get not only a suitable policy but also an affordable one.

  1. Know your requirements: There are different kinds of health insurance policies available in the market, which can confuse you. A simple solution is to note your needs and then set out to find a medical insurance plan. Gauge requirements like the number of dependents, age, income, medical history, hereditary diseases in the family, etc., and then look for the relevant coverage once you have all the answers.

  2. Calculate premium: As mentioned earlier, it is easy to buy medical plans online. Tools like the health insurance premium calculator can give you a quote for the policy you are about to buy. You can then make slight changes in the coverage and check if the quote decreases. You can thus save a few bucks by calculating the premium before actually buying the plan.

  3. Compare plans: Comparing plans can give you an idea of different health insurance products available in the market. You can also compare insurers' features, coverages, and services for a similar health plan. You can make an informed decision after weighing all the available options.

  4. Buy a plan with a minimum waiting period: In case of claim, the waiting period increases your out-of-pocket expenses as you need to pay for the treatment during this time. Look for a plan that offers a minimum to no waiting period. For example, ACKO Health Insurance Policy has a zero waiting period for disclosed ailments. 

  5. Be aware of the coverages and exclusions: Always ensure you know what you are paying for. This includes the coverages, exclusions, and the services of the policy. Coverages and exclusions will help you understand when you can raise a claim. At the same time, you can efficiently avail of the services if you know they are being offered. For example, ACKO offers multiple telephonic consultations with a certified doctor. 

Types of health insurance in Delhi

There are different types of health insurance plans in Delhi. Here is a list for your reference. Note that these are based on availability. 

  1. Critical Illness Insurance

  2. Top-up Health Insurance Plan

  3. Illness-specific health insurance plans (example: Corona Kavach, etc.)

  4. Maternity Health Insurance

  5. Personal Accident Insurance Policy

Frequently asked questions

Here are answers to some common questions about health insurance in Delhi.

Are health insurance rates less in Delhi?

Health insurance rates in Delhi depend upon many factors related to the insured person, the number of dependants, and the sum insured amount. These can vary from person to person. Before finalising a policy, you can compare plans and check quotes and coverages.

Does ACKO's health insurance cover begin from day one?

Yes, ACKO's health insurance cover begins from day one in case of the Rs. 1 crore policy. There is no waiting period for any disclosed pre-existing ailments as well.

What is the advantage of having a medical insurance policy in Delhi?

Delhi is one of India's most polluted cities. Having health insurance can help with the financial aspect when people suffer from pollution-related or other medical conditions. Thus, such a backup during a medical emergency is one of the most significant advantages of buying health insurance in Delhi.

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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 General Insurance Limited

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IRDAI Registration No: 157

Category: Non-Life Insurance

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