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Health Insurance in Gurgaon

Discover the top health insurance plans in Gurgaon with comprehensive coverage and affordable premiums.

✓ ZERO out of pocket costs ✓ ZERO waiting period ✓ ZERO deductions at claim

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Home / Health Insurance / Health Insurance In Gurgaon

Gurgaon has grown rapidly as a major IT hub, with many big companies setting up offices. Alongside the modern buildings, good hospitals have also come up. But rising healthcare costs mean insurance coverage is still essential. Having a good health insurance plan acts like a safety net - giving financial support when needed and letting patients focus on recovery.

Which is the most suitable health insurance plan for me in Gurgaon?
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When considering health insurance plans from ACKO in Gurgaon, here are some good options to look at for different age groups:

The need for health insurance in Gurgaon
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Basic expenses like food, housing, and transport are increasing with each passing day. Similarly, the cost of healthcare is also increasing very fast in Gurgaon. Hospitalisation for even viral fever can cost thousands of rupees in Gurgaon. So, having a sound health insurance policy is advisable for all families staying here.

ACKO provides these health insurance covers at affordable rates. So, hospital payments can be made cashless without people needing to pay from their pockets.

How much sum insured do I need in Gurgaon?
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Given the advanced medical facilities and infrastructure available, having sufficient coverage is wise in a city like Gurgaon. For instance, certain planned treatments like cardiac surgeries, joint replacements or organ transplants can cost upwards of Rs 10 to 25 lakhs on average. As a careful measure, going with higher sum insured options makes for sensible financial planning. 

It is noteworthy that the difference in the premium for coverages like Rs. 50L and Rs 1 crore is nominal. But the coverage that a high sum insured plan provides is much greater and comprehensive. It makes certain that you and your loved ones can avail the state-of-the-art medical care without funding large, unexpected treatment bills during emergencies.

How much does health insurance cost in Gurgaon?
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Investing in comprehensive health plans with higher sums insured makes strategic sense in Gurgaon, given the rising medical inflation. For instance, feature-rich plans from ACKO providing ₹10 lakhs family cover with benefits like cashless hospitalisation, daycare expenses, etc., may cost between ~₹15,000 to ₹25,000 annually.

Factors like age, pre-existing illnesses, and family size also impact premiums. But buying higher insurance coverage aligns better with the high treatment costs prevalent in the city now.

Factors to consider while getting health insurance in Gurgaon
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Here are some factors that you can consider to buy the best health insurance in Gurgaon.

What benefits do I get for choosing ACKO?
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Choosing ACKO for your health insurance needs brings a suite of benefits and features designed to provide comprehensive coverage, convenience, and financial protection. 

ACKO Platinum Health Insurance Plan
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It provides the following features:

No deductibles
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This means ACKO will pay for your entire medical treatment costs (for approved claims) without you having to pay anything extra from your pocket.

Full health insurance coverage
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The plan will start paying for any existing diseases that you may have right from day 1 of buying the policy. Provided you disclose pre-existing diseases while buying the policy.

Sum insured restore
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 If your insurance cover is used up fully during the policy year due to costly treatments, ACKO will refill your entire cover amount.

ACKO's Standard Health Insurance
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Our regular plan balances good coverage with affordable costs. Here are the features.

Cashless claim benefits
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You get access to many partner hospitals where ACKO can directly pay your bills without you having to pay first and then claim a refund.

Covers hospital stay
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Pays for medical costs during the hospital stay as well as some day-care medical procedures done without staying in the hospital.

Zero deductions of claims
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Charges like non-medical expenses and other costs related to a medical event can be claimed without deductions.

ACKO Platinum Super Top-up Plan
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Expands your current plan
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Increases the sum insured and provides all the benefits of the ACKO Platinum Plan.


Zero deductibles
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Pays deductibles and costs that your current plan does not cover. Saves more money.

At ACKO, we believe that patients and their families must focus on treatment and recovery rather than financial worries. Our health plans provide full benefit of treating a medical issue. So use the ACKO app today to easily buy, renew, and claim from the comfort of your home.

What is Inflation Protect, and how is it helpful in Gurgaon?
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Inflation Protect Sum Insured is a unique benefit offered by ACKO under health insurance plans. It automatically increases your sum insured every year in order to counter rising medical inflation.

This facility becomes very useful for policyholders living in cities like Gurgaon, where the annual inflation for hospital expenses, treatments, and medicines ranges from 12-15%. The costs of healthcare keep increasing every year much faster than overall inflation.

Why is raising claims easier with ACKO policies?
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Filing health insurance claims is often tedious - endless paperwork, delayed approvals and coordinating with hospitals yourself. This adds enormous stress when you should rather focus on recovery.

ACKO greatly simplifies the entire process via technology. Our user-friendly app allows instant claim intimation and document uploads. Additionally, our dedicated claim experts also provide support throughout your medical journey.

Wrap it up!
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Evaluate policies on parameters like sufficient coverage, claim settlement track record, and value-added features when making an informed choice. Opt for insurers that offer transparency - be it in pricing or processes. 

Frequently Asked Question
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Here are some common questions about health insurance in Gurgaon


Is ₹5 lakh enough for health insurance?

Considering the ever-increasing medical treatment costs, the 5 Lakh health plan may not be sufficient for an entire year. Opt for at least the 10L ACKO Standard Health Plan to receive comprehensive coverage for the family, at affordable rates.

Do I need ₹1 crore health insurance?

₹1 crore sum insured is usually needed if you have specific medical conditions requiring regular treatment. 

Which age is best for health insurance?

The best age for buying health insurance is not defined, however premiums are most affordable when you start early at 25-30 years.