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Health insurance in Mumbai

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

✅ Zero waiting period ✅ Zero deductions at claim

Zero Waiting period
Waiting period
14,300+ Cashless hospitals
Cashless hospitals
100% Bills covered
Bills covered

UID: 5708 | *T&Cs apply

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Home / Health Insurance / Health Insurance in Mumbai

Mumbai, the country's financial capital, provides many promising opportunities to anyone trying to establish a stable source of income. But, such a situation has led to Mumbai being one of India's most densely populated cities. This, combined with rising medical expenses, calls for the need for a financial safety net to handle medical emergencies. Here, health insurance can be helpful. Continue reading for information about ACKO’s Rs. 1 crore health insurance and its benefits. 

Suitable health insurance cover in Mumbai
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The healthcare system in Mumbai provides support to all income groups. You have hospitals featuring sophisticated medical infrastructure on one hand and small yet efficient clinics on the other. However, a suitable health insurance cover is a must to ensure effective treatment without losing your savings.

With ACKO Health Insurance Policy, you can get access to various types of medical treatments in a timely manner. Thanks to this plan, you can concentrate on getting the necessary treatment because you don't have to worry about paying the hospital bills. Your out-of-pocket expenses are kept to a minimum thanks to features like zero waiting time and zero deductions upon claim.

Need for health insurance in Mumbai
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Following are the reasons why you should consider opting for ACKO Platinum Health Insurance Policy in Mumbai.

  1. Health insurance helps you get timely medical help, and you don't have to delay treatment worrying about finances.

  2. Certified doctors are just a call away with the feature of teleconsultations.

  3. Treatment costs for a critical illness can be very high in Mumbai but they shall be covered under the ACKO Health Insurance Policy.

  4. Avail tax benefits for buying a health insurance plan. This comes under section 80D of the Income Tax Act.

  5. You can make a claim for minor medical procedures under the daycare treatment coverage.

  6. Avail of the option to add a spouse and up to four children under one health plan. You don't need to worry about managing multiple individual plans.

  7. You can get access to coverage like wellness plans, hospitalisation, critical illness, and much more.

  8. With a high sum insured of Rs. 1 crore or Unlimited, you get peace of mind for any future medical treatments.

Why should you buy online health insurance in Mumbai?
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Here are some significant reasons why buying health insurance online is more fruitful as compared to purchasing the plan offline or from traditional insurance companies.


Option to compare
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Comparing health plans online will help you get an idea about coverages, additional services, and premiums for health plans from different insurers without much effort. You can thus make an informed decision on which plan to buy.


Online plans are convenient
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You can complete the process quickly when you buy a health insurance plan online. This is because digital insurance is available 24x7x365. You don't have to wait to meet an intermediary or worry about public holidays. Simply go online, choose coverage, review terms, and make payment.


No extra commissions
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Some part of the premium goes towards commissions while buying a policy offline. But when you buy online health insurance in Mumbai directly from us, there’s no commission. Thus, low premiums.


Paperless purchase
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While buying ACKO Health Insurance Policy from Mumbai, you are not required to submit physical copies of documents. You can scan or click clear pictures of the necessary documents and upload them while sharing details about you and the dependants.

Benefits of buying medical insurance in Mumbai from ACKO
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More than 7.7 crore people trust ACKO for their insurance needs. Our health plan with a sum insured of Rs. 1 crore is useful for enveloping all your insurance needs under a single policy. You get the following benefits on buying ACKO Health Insurance Policy.

Key features ACKO advantage
Co-pay 0%
Intensive Care Unit (ICU) charges Up to Rs. 1 crore
Waiting period 0 days
Teleconsultations 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
Inflation protect 10% increase of sum insured per annum (terms and conditions apply)
Deductions at claim Nil
Room rent Up to Rs. 1 crore (any hospital room without deductions)
COVID-19 treatment Up to Rs. 1 crore
Network hospitals 14,000+ hospitals
Daycare treatment Up to Rs. 1 crore
Pre-hospitalisation 60 days
AYUSH treatment Up to Rs. 1 crore
Ambulance charges Up to Rs. 1 crore
Post-hospitalisation 120 days



What is covered in the ACKO Health Insurance Plan in Mumbai?
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Here are the coverage details of our Rs. 1 crore Health Insurance Plan.

✅Pre and post-hospitalisation beyond the usual: A planned surgery may require pre and post hospitalisation and this is covered under health insurance for a minimum of 30 and 90 days respectively. But our cover goes beyond the standard timeline. We offer 60 days of pre-hospitalisation and 120 days of post-hospitalisation benefits.

✅In-patient hospitalisation: This coverage refers to the cost related to the hospitalisation in case of either a planned surgery or an emergency. We will cover hospitalisation expenses for medically necessary treatment.

✅Daycare treatments: Medical procedures or surgeries that require less than 24 hours of hospitalisation come under daycare coverage. These are included in ACKO Health Insurance Policy.

✅Emergency transport: During an emergency, it is possible that a necessary medical facility is not accessible. Here, we can help set up urgent transportation to the location with the required equipment. Transportation avenues include trains, ambulances, and special aeroplanes with medical equipment.

✅Ambulance costs: Usually, insurance companies offer coverage for only one ambulance trip per claim under their insurance plans. But with our policy, you get multiple ambulance trips up to the sum insured during a medical emergency.

What is not covered in the ACKO Health Insurance Plan in Mumbai? 
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Following are the exclusions under our Rs. 1 crore Health Insurance Plan.

Undisclosed medical conditions: You must disclose pre-existing diseases and current medical status while buying the policy. Otherwise, the related treatment is not covered.

Dental and cosmetic surgery: Routine dental or cosmetic treatment is not covered unless required as a result of an accident.

Infertility or sterility treatment: The cost of infertility, sterility, or related treatments is not covered.

Weight loss surgery: Any cost related to weight control procedures is not covered unless it is medically necessary and advised by a certified doctor.

Supplements and hormonal therapy: The cost of supplements, vitamins, or hormonal therapy is not covered.

Suicide attempt: Costs related to resuscitation and treatment related to a suicide attempt are not covered.

Maternity and childbirth: Expenses related to delivery are not covered.

Prosthetics and other devices: The cost of prosthetics or other devices like hearing aids, spectacles, etc., are not covered.

Vision correction: Correction surgeries for eyesight lower than 7.5 dioptres are excluded from this health plan.

Gender correction surgery: Expenses related to gender-correction treatment and surgery are not covered.

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 Mumbai
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In India, more than 7000 hospitals are affiliated with ACKO. Below is the list of notable hospitals in Mumbai where our policyholders can use a cashless facility.

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

Tips for finding the best health insurance policy in Mumbai
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Selecting a perfect health insurance policy can be challenging, especially if this is your first plan. However, we've got your back. Here are some helpful tips that will enable you to find an appropriate and reasonably priced policy.

  1. Understand requirements: You may be confused by the variety of health insurance policies offered in the market. Making a list of your needs and then searching for a medical insurance plan is an easy solution. Consider factors like the number of dependents, age, income, medical history, hereditary diseases in the family, etc., and once you have all the information, search for the appropriate coverage.

  2. Check quotes: It is simple to purchase medical coverage online. You can get a potential health insurance quote using tools like a health insurance premium calculator. Then try adjusting the coverage slightly and see if the quote changes. This way, you can purchase a suitable plan by making an informed decision. 

  3. Compare health plans: By comparing plans, you can get a sense of which type of health insurance policies are available in the market. After analysing your options, you may decide which policy is the most suitable for your needs and the budget.

  4. Minimum waiting period: Buying a plan with a minimum waiting period allows you to reduce out-of-pocket expenses during a medical emergency. Thus, it would help to find a policy with no waiting period, like ACKO Health Insurance Policy. Here you get coverage from day 01 for all disclosed health issues.

  5. Understand inclusions and exclusions: Make sure you are always aware of the terms and conditions of the health plan. This comprises the policy's coverages, exclusions, and services as well. You can determine when to make a claim by understanding the coverages and exclusions. 

Types of health insurance in Mumbai
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Health insurance in Mumbai can be of the following types. Note that they are based on availability.

  1. Personal Accident Insurance Policy

  2. Critical Illness Insurance

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

  4. Group Health Insurance

  5. Family Floater Health Insurance

Frequently asked questions
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Here are answers to some common questions about health insurance in Mumbai.

What is the right age to buy health insurance in Mumbai?


The right age to buy health insurance in Mumbai is your current age if you are above 18 years or older. This means buying health insurance as early as possible is the best option if you want long-term benefits from the plan.

How can I calculate health insurance quotes in Mumbai?


You can calculate quotes in Mumbai by using the online tool called the health insurance premium calculator. Scroll up to the top of this page and click “Get your family covered”. Enter the necessary details, and we will generate a quote for your health plan. You will see details like coverages, and services as well.

Out of the many health insurance plans in Mumbai, should I buy the cheapest one?


Buying the cheapest health insurance plan may not be the best way. This is because you could miss out on crucial coverage like pre and post-hospitalisation or may be asked to buy add-ons by paying extra. Instead, try to find a medical insurance plan that balances the policy's inclusions and cost.

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.