All hospital expenses*, 100% covered
✅ Zero waiting period ✅ Zero deductions at claim
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Located on the Arabian sea coast, Mangalore is one of India's major commercial centres. It is constantly developing. As a result, the standard of living and healthcare costs in this location are as high as in any other economically similar Indian city. In this regard, buying health insurance in Mangalore can be a good idea if you want a financial backup. Continue reading for more information about the Rs. 1 crore Health Insurance Plan offered by ACKO and how it can help you.
It is easy to access a range of medical treatments with the help of the ACKO Health Insurance Policy in Mangalore. With this plan, you don't have to worry about paying the hospital fees; just focus on getting the necessary treatment. Additionally, the out-of-pocket costs are minimised as a result of features like no waiting period and no claim deductions with our health plan.
The following are reasons to consider buying ACKO Health Insurance Policy in Mangalore.
Health insurance allows you to get medical treatment immediately without delay due to any possible monetary concerns.
A feature like teleconsultations helps you get multiple second opinions from expert doctors. This feature can be availed through phone or video calls.
The hospitalisation costs for treating a critical illness can be high, and there could be a lot of out-of-pocket expenses. These costs are covered under our Rs. 1 crore health plan.
You can get tax benefits under Section 80D of the Income Tax Act for buying a health insurance policy for you and your dependents.
ACKO Health Insurance Policy covers expenses related to daycare medical procedures.
Adding a spouse and up to four dependent children to a single health plan is possible. You don't have to worry about managing numerous separate programmes.
The high sum insured of Rs. 1 crore health insurance guarantees peace of mind for you and your loved ones.
Here are some important reasons why purchasing health insurance online is more beneficial than purchasing the plan offline.
With the help of online tools like the health insurance premium calculator, you can get an idea about the cost of your health plan. You can also review coverages, services, and the terms & conditions of the plan before making the final payment.
When you buy a health insurance plan online, you can complete the process quickly. This is due to the fact that digital insurance is available 24 hours a day, seven days a week. You won't have to wait for an intermediary or be concerned about public holidays. Simply go online, select your coverage, review the terms, and get insured.
When purchasing a policy offline, a portion of the premium goes toward commissions. However, you buy the policy directly from us with online health insurance. As a result, there is no commission, and you receive a low-cost policy.
You don't have to submit physical copies of documents when purchasing an ACKO Health Insurance Policy from us. You can scan the documents, take clear pictures, and upload them directly on the app or website. Thus, buying health insurance online is time efficient.
Millions of people trust ACKO when seeking insurance solutions. Our health plan, which has a sum insured of Rs. 1 crore, helps incorporate your insurance requirements into a single policy. You can benefit from the following features when you purchase an ACKO Health Insurance Policy.
|Key features||ACKO advantage|
|Critical Illness Cover||Included in the same plan|
|COVID-19 treatment||Up to Rs. 1 crore|
|Teleconsultations||Up to Rs. 1 crore|
|Waiting period||0 days|
|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)|
|Deductions at claim||Nil|
|Preventive health checkup||Every year for insured members above the age of 18 years|
|AYUSH treatment||Up to Rs. 1 crore|
|Ambulance charges||Up to Rs. 1 crore|
|Network hospitals||7,000+ hospitals|
|Daycare treatment||Up to Rs. 1 crore|
|Intensive Care Unit (ICU) charges||Up to Rs. 1 crore|
Here are the inclusions of ACKO’s Rs. 1 crore medical insurance plan.
✅Emergency transportation: This plan includes emergency transportation services where we can arrange rapid transit to the place with the necessary medical equipment. Trains, ambulances, and specialty aircraft are the available options for transportation.
✅Pre- and post-hospitalisation: A planned surgery may necessitate pre- and post-hospitalisation, which is usually covered by health insurance for a minimum of 30 and 90 days, respectively. However, our cover is more comprehensive. We provide pre-hospitalisation benefits for 60 days and post-hospitalisation benefits for 120 days.
✅Hospitalisation expenses: This type of inclusion refers to hospitalisation expenses for either an elective medical procedure or an emergency. All hospitalisation costs for procedures deemed medically essential will be covered under the ACKO Health Insurance Policy.
✅Cost of hiring ambulances: Insurance companies typically only cover one ambulance trip per claim under their insurance plans. However, if a medical emergency arises, our policy covers several ambulance trips up to the insured amount.
✅Daycare procedures: Medical procedures or surgeries that don't take a full day in the hospital are covered under the inclusion of daycare procedures. Our health plan covers these costs.
Following are the exclusions under our Rs. 1 Crore Health Insurance Plan.
❌Supplements and hormonal therapy: Our health insurance policy does not cover hormonal treatment, vitamins, and other dietary supplements.
❌Suicide attempt: Fees for medical care after a suicide attempt are not covered, including costs for resuscitation.
❌Undisclosed medical issues: When purchasing the coverage, you must reveal any pre-existing conditions and your current health status. The associated treatment is not covered for undisclosed medical issues.
❌Pregnancy and childbirth: Delivery-related costs are not included in this plan.
❌Dental and cosmetic surgery: Unless necessary as a consequence of an accident, routine dental or cosmetic treatment is not covered.
❌Prosthetics and other devices: The cost of hearing aids, eyeglasses, prosthetics, and other equipment is not covered.
❌Treatment for infertility or sterility: These services and their associated costs are not covered.
❌Vision correction: Correction procedures for a vision that is less than 7.5 dioptres are not covered by this health plan.
❌Weight reduction surgery: Unless it is deemed medically essential and recommended by a licensed physician, all costs associated with weight control procedures are not covered.
❌Gender correction surgery: Costs associated with gender-correction therapy and surgery are not included.
Note: Please find the complete list of inclusions and exclusions of the ACKO Health Insurance Policy in the policy wordings.
ACKO is affiliated with over 7000 hospitals in India. Below is a list of notable hospitals in Mangalore where our policyholders can use a cashless facility.
Tejasvini Hospital Ssiot
Srinivas Institute Of Medical Science And Research Centre
Justice K S Hegde Charitable Hospital
A J Hospital And Research Centre
Mangalore Institute Of Oncology
Vijaya Clinic Maternity And Surgical Nursing Home
Prathiba Eye Hospital
Vinaya Hospital And Research Centre
Father Muller Hospital
G. R. Hospital And Research
City Hospital Research & Diagnostic Centre
Father Muller Hospital
Hari Ram Memorial Medical Centre
Indiana Hospital & Heart Institute
Kasturba Medical College Hospital (KMC)
KMC Hospital, Attavar
Mangala Hospital And Mangala Kidney Foundation
Mangalore Nursing Home
Click here for the complete list of ACKO’s cashless hospitals.
Choosing the best health insurance policy can be difficult, especially if this is your first policy. So, here are some pointers to help you find an appropriate and cost-effective policy.
Lowest waiting period: You can lower your out-of-pocket costs in the event of a medical emergency by choosing a plan with a short waiting period. Finding coverage with no waiting time, like the ACKO Health Insurance Policy, might be beneficial. From the first day, all disclosed health conditions are covered under our Rs. 1 crore plan.
Understand requirements: You must select the best option from the many plans available in the market. This is possible if you know what you need from your health insurance plan. Noting details such as the required sum insured, the number of dependents, the health history of the family, hereditary diseases, and so on will help buy a suitable plan.
Know your policy: Go through the policy's coverages, exclusions, and services. Understanding the coverages and exclusions allows you to decide when to file a claim. This can help you avoid any possible claim rejection.
View quotes: As mentioned earlier, buying online helps you get a sense of the cost of your medical insurance plan and adjust the coverage if required. Using the premium calculator to determine the cost of the policy for the chosen coverage and services will help you make an informed choice.
Check all options: If you go through the available options, you can get a sense of the health insurance policies offered in the market. Understand the features, benefits, and services that other insurers offer. After weighing your alternatives, you can choose the policy that best suits your requirements.
Health insurance plans in Mangalore are of the following types. Please note that the coverage and plans given below are subject to availability for purchase.
Top-up Health Insurance Plan
Maternity Health Insurance
Critical Illness Insurance
Mediclaim Insurance Plan
Personal Accident Insurance Policy
Illness-specific health insurance plans (example: Corona Kavach, etc.)
Here are some frequently asked questions about health insurance in Mangalore.
Unfortunately, you cannot get insurance coverage for your medical treatment in Mangalore with an expired healthcare plan. It must be active at all times for you to receive continuous coverage. Renew the plan in time to avoid additional out-of-pocket expenses.
Yes, you can use the hospital cash benefit for things other than treatment-related expenses. For example, covering travelling costs if another insured member is in the hospital, buying food, etc.
If you are covered under ACKO Health Insurance Policy, you don't need to buy multiple plans to cover the medical expenses. This is because the high sum insured of Rs. 1 crore covers most of the costs associated with a medical emergency.
|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.|