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Health Insurance in Lucknow

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

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Home / Health Insurance / Health Insurance In Lucknow

Lucknow is a city with old historic charm with a booming IT infrastructure and industries. The city's thriving economy has led to the development of a robust medical infrastructure, with numerous hospitals, clinics, and healthcare facilities catering to the needs of its residents. The presence of world-class medical institutions like King George's Medical University and the Sanjay Gandhi Postgraduate Institute of Medical Sciences has further enhanced Lucknow's reputation as a centre for quality healthcare.

However, despite the availability of excellent medical facilities, the cost of healthcare can be a significant burden for many residents of Lucknow. This is where health insurance in Lucknow plays a crucial role in protecting the financial well-being of its residents.

Which is the most suitable health insurance plan for me in Lucknow?
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ACKO offers 3 key plans - Standard for essential cover, Platinum for comprehensive protection, and Super Top-up as an extra backup.

The need for health insurance in Lucknow
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Today, prices of daily essentials like vegetables, rent, and fuel are rising rapidly in Lucknow. Similarly, costs of medical treatments, medicines, and hospital charges have also increased. Hence, having a good health insurance policy has become important for households in Lucknow now. ACKO provides affordable health insurance plans with cashless claim facilities and other benefits that can ease the financial burden during medical emergencies.

How much sum insured do I need in Lucknow?
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Given the expanding healthcare infrastructure in Lucknow, having sufficient health coverage is advisable. Many multi-specialty hospitals now offer advanced medical treatments and diagnostics services.

For instance, on average, certain planned surgeries can cost nearly Rs 3-5 lakhs at reputed hospitals. Even lab tests have become more expensive. 

As a prudent measure, larger sum insured options make better financial sense. In the majority of cases, residents of Lucknow can choose Rs. 10 lakh sum insured for themselves and Rs. 25 lakhs for family floater plans. Considering inflation and increasing treatment costs, it is even better to go for a higher sum insured, like Rs. 50 lakhs or Rs. 1 crore.

While premiums slightly are higher for large covers, they provide enhanced financial security for you and your family. This allows availing the best treatments at good hospitals worry-free.

How much does health insurance cost in Lucknow?
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Investing in more comprehensive health plans with higher coverage makes good financial sense in Lucknow, too, given the rising healthcare costs.

For instance, a features-rich family floater plan from ACKO with Rs. 10 lakh sum insured covering hospitalisation, daycare procedures, etc. may cost approximately Rs. 15,000 to Rs. 20,000 annually depending upon the number of family members insured. Note that the difference in the premium for higher sum insured options is nominal.

Do note that factors like age, pre-existing conditions, and family size impact pricing.

Factors to consider while getting health insurance in Lucknow
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Here are some factors to consider while buying best health insurance in Lucknow.


Pre-existing diseases
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Disclose any illnesses upfront, even if it increases premiums slightly, so that out-of-pocket expenses are reduced and full coverage is available during claims.


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Given the rising medical costs, allocate a share of income towards health insurance


Family members
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Choose the appropriate family floater plan based on the total dependents - spouse, children, siblings, parents, and parents-in-law. Ensure every member has adequate cover.


Age of members
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Older parents may need a higher cover for managing age-related treatments as compared to younger members.


Medical history
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Disclose any chronic ailments, recent hospitalisations, or recurring health issues in the family, for transparency. This helps get appropriate coverages.


Lifestyle diseases
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Declare conditions like obesity, hypertension, etc, while applying as it can impact underwriting


Future health risks
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Consider potential risks before buying insurance to evaluate adequate coverage needs.

What benefits do I get for choosing ACKO?
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You get benefits like zero deductions on claims, higher sum insured, and cashless treatment benefits for buying ACKO Personal Health Plans. Here are more features and benefits of our health insurance policies in Lucknow.

ACKO Platinum Health Plans
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Our top plan has great features:

ACKO Standard Health Plan
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Our regular plan balances coverage and affordability:

ACKO Platinum Super Top-up Plan
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The wise way to enhance existing insurance:

ACKO's health insurance stands apart from other market offerings due to unprecedented features like zero deductions on claims, waivers on waiting periods for pre-existing illnesses enabling claims from day one, etc. Thereby providing unmatched coverage coupled with exceptional flexibility and transparency that no other player offers today.

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

It is useful for policyholders living in Lucknow, where inflation for hospital expenses, treatments and medicines is abrupt. The costs of healthcare keep increasing much faster than overall inflation. In such a case, ACKO's Inflation Protect Sum Insured will hike your existing health policy's sum insured to help bridge this inflation gap. 

Thereby, it provides much-needed financial aid to customers in Lucknow to meet increasing medical bills arising from exceptionally high urban medical inflation annually.

Why is raising claims easier with ACKO policies?
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The process of claiming health insurance often involves a lot of paperwork and delays. ACKO uses technology to make this process very smooth for customers. We have a user-friendly mobile app that allows you to submit claims quickly without physical paperwork.

Wrap it up!
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When choosing a health insurance policy in Lucknow, consider factors such as adequate coverage, a reliable claim settlement record, and value-added features for an informed decision. Opt for insurers known for transparency in pricing and processes, coupled with value-added services.

Frequently Asked Question
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Here Are Few Question And Answer About Health Insurance in Lucknow


Which health insurance is best?

ACKO provides some of the best health plans, offering zero deductions, no room rent capping, cashless claims, unlimited restore benefits, and much more.

Do I need ₹1 crore health insurance?

Yes, it is good to have a high-sum-insured plan that offers comprehensive coverage to you and your loved ones. Once you buy the Rs. 1 cr. ACKO Platinum Health Plan, your out-of-pocket expenses for medical emergencies are practically nil.

Is Mediclaim better than insurance?

No, mediclaim plans offer limited coverage, like hospitalisations costs. However, health insurance offers tailored, comprehensive coverage for hospitalisation, room rent, ambulance charges, daycare procedures, pre and post hospitalisation, and more. 

Disclaimer: 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.