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Health Insurance in Patna

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

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Home / Health Insurance / Health Insurance in Patna

Patna, being the capital of Bihar, is a hub for various industries, including agriculture, education, and government services. The city's diverse economic landscape has led to the development of a growing healthcare sector, with numerous hospitals, clinics, and medical centres providing essential medical services to its residents. The presence of institutions like the Patna Medical College and Hospital and the All India Institute of Medical Sciences (AIIMS) has further strengthened Patna's position as a centre for medical education and healthcare.

Reputed hospitals offer advanced facilities, but costs are high. Having adequate health insurance unlocks access to quality treatment for residents if they fall ill. The right coverage aids healing, recovery, and well-being.

Which is the most suitable health insurance plan for me in Patna?
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Here are some recommendations.

So ACKO offers innovative plans for both individuals and nuclear families across life stages based on their specific health and budgets.

The need for health insurance in Patna
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As healthcare infrastructure advances, treatment costs have exponentially gone up, with common surgeries costing upwards of Rs 50,000 today and double-digit healthcare inflation of 15-18% annually, meaning that the basic surgery worth Rs 2 lakhs 5 years back could cost around Rs 4 lakhs now; in such a scenario, buying ample health plans like ACKO's policies providing basic coverage to start with and further inflation-linked enhancements over the years ensures you remain protected. 

How much sum insured do I need in Patna?
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While Patna has both public and private hospitals, treatment costs can still be steeper in case of critical illnesses or planned surgeries than in other parts of Bihar.

Having a minimum base health cover of Rs. 10 lakhs per insured member is advisable to offset hospital bills for diseases. However, choosing a sum insured matching your full annual household income makes better sense for more comprehensive financial security.

For instance, if your family's total yearly earnings are, say, Rs. 15 lakhs, purchasing a Rs. 10-15 lakhs family floater health plan would allow adequate coverage for major health events requiring hospitalisation. 

Therefore, having sufficient insurance based on income levels, medical history, and healthcare costs in Patna is key to avoiding paying for hospital expenses from your savings. Review the adequacy of the sum insured yearly.

How much does health insurance cost in Patna?
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Wider coverage family floater plans often make better sense despite somewhat higher premiums, given rising medical inflation. For instance, a feature-rich ACKO policy with ₹10 lakh family cover may cost approximately ₹12,000 to ₹18,000 annually, including hospitalisation and Daycare benefits. Premiums vary based on age, pre-conditions, etc.

Factors to consider while getting health insurance in Patna
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Here are the factors to consider to get the best health insurance in Patna.


Pre-existing diseases
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Disclose any illnesses in family members irrespective of age truthfully, even if it increases premiums, so full coverage is available during claims.


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 Allocate a higher share of your income towards health insurance, given medical inflation. Additionally, separate allocations for critical illness plans should be made.


Family size
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Choose an appropriate family floater plan for all dependents - spouse, children, siblings, and parents. Ensure every member has adequate cover.


Age of members
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Older parents may need a higher sum insured of Rs 10-15 lakhs for managing age-related treatments than younger insured.


Lifestyle diseases
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Declare lifestyle ailments like obesity, hypertension, etc, while applying as it impacts underwriting.


Past claims
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Evaluate if pre/post-hospitalisation expenses were claimed previously and what's still eligible per family member in the new policy.


Network hospitals
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Verify if top hospitals near your locality are covered by an insurer for cashless facilities. Widens hospital choice.

What benefits do I get for choosing ACKO?
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ACKO offers a choice of Standard, Platinum, and Top-up plans to meet diverse customer needs. 

ACKO Platinum Health Plan
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Our top-of-the-line plan offers outstanding features:

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

ACKO Platinum Super Top-up Plan
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The effective way to boost existing health insurance:

Compared to traditional players, ACKO plans thus provide unmatched product innovation, use of technology, and service experience - making them the most prudent health insurance choice today.

What is Inflation Protect, and how does it help in Patna?
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Inflation Protect Sum Insured is an innovative offering from ACKO under its health plans, wherein your sum insured will be automatically increased year. The objective is to provide additional coverage to policyholders to counter rising medical inflation, which is very high in metro cities, averaging 15-18% yearly. 

Thereby, it provides added financial protection specifically to ACKO members in cities to meet steeper medical costs resulting from high urban healthcare inflation annually.

Why is raising claims easier with ACKO policies?
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ACKO uses technology to make the entire claim process smooth. You can easily start the reimbursement via our user-friendly mobile app by uploading basic documents without tedious paperwork.

For hospitalisation, if admitted to one of ACKO's network hospitals in Patna, your medical bills get directly settled between the provider and ACKO through the cashless facility. This saves you from paying large deposits.

Wrap it up!
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As Patna grows with more job opportunities, having mindful health coverage is key for families to secure themselves financially against medical contingencies. When choosing a policy, assess aspects like sufficient sum insured, cashless access, and transparent claim processes.

Frequently Asked Questions
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Here’s a list of common questions and answers about Health Insurance in Patna


How do I choose the right health insurance policy?

Choosing the right health insurance policy involves assessing your and your family's healthcare needs, considering factors like age, existing health conditions, lifestyle, and budget. 

Can I increase my sum insured in the middle of the policy term?

Most insurers do not allow an increase in the sum insured in the middle of the policy term. However, you can request an increase at the time of policy renewal. Additionally, some plans offer automatic sum insured increases as a no-claim bonus or have options for top-up plans to enhance coverage.

Is 5 lakh enough for health insurance?

For an individual without major illnesses, ₹5 lakh sum insured seems sufficient today. But a health crisis 5 years later could cost a lot more. So you can consider opting for higher coverage when you are young and premiums are affordable.

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