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Health insurance in Pune

Discover the top health insurance plans in Pune 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
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Home / Health Insurance / Health Insurance in Pune

Pune is the second-largest city in Maharashtra and is home to more than 7 million people from all around the country. If you live in Pune, you must be aware of the rising healthcare costs in the city. And having suitable health insurance is a must to cope with them. In this article, learn how you can benefit from health insurance in Pune and about the Rs. 1 crore plan provided by ACKO.

Suitable health insurance in Pune
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It is necessary to have a good monetary backup in Pune if there is a medical emergency. This is where our health plan comes into the picture. You can quickly access a range of medical treatments with the help of the ACKO Platinum Policy. 

Features such as zero waiting time and zero deductions upon claim keep your out-of-pocket expenses to a minimum. Because you won't have to worry about paying the hospital bills with this plan, you can focus on getting the necessary treatment. 

Need for health insurance in Pune
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The following are reasons for considering the ACKO Health Insurance Policy in Pune.

  1. With health insurance in Pune, you can receive treatment immediately without putting it off because of cost concerns.

  2. In Pune, the cost of medical care for critical illnesses can be very high. The ACKO Health Insurance Policy covers related expenses under the plan.

  3. You can avail tax benefit for purchasing a health insurance policy under Income Tax Act's Section 80D.

  4. For non-emergency medical procedures, you can file a claim through the daycare treatment coverage.

  5. You can add dependents (spouse, parents, parents-in-law and up to four kids) to a single health plan. This way, you don't have to worry about managing multiple health insurance plans.

  6. You get coverage for critical illness, hospitalisation, wellness plans, and more.

  7. You can feel secure about any upcoming medical treatments with a high sum insured of Rs. 1 crore under ACKO Standard and Platinum Plans.

  8. With teleconsultations, you can take multiple second opinions from certified doctors.

Why should you buy online health insurance in Pune?
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Here are some key reasons to buy health insurance online rather than offline.


Get discounts on commissions
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While purchasing a policy offline, a portion of the premium is often paid against middleman commissions. While buying online, you purchase the plan directly from us using online health insurance in Pune, saving money spent on commissions.


Easy comparisons
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Online comparison of health plans will provide a clear picture of various benefits, extra services, and costs. As a result, you can confidently choose a medical plan by weighing all the available options.


No paperwork while buying the plan
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You are not required to submit physical copies of documents when purchasing ACKO Health Insurance Policy from Pune. You can scan or take clear pictures of the required documents and upload them while sharing information about yourself and your dependents.


Health insurance online is convenient
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When you purchase a health insurance plan online, the purchase process can be finished swiftly. This is due to the availability of digital insurance 24/7/365. You don't need to wait for a meeting with an intermediary or be concerned about holidays. Visit an insurer's website, select a plan, read the terms, and complete the payment.

Benefits of buying medical insurance in Pune from ACKO
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Crores of people trust ACKO for their insurance needs. Our health plan, which has a sum insured of Rs. 1 crore and Unlimited, helps incorporate your insurance requirements into a single policy. You get the following benefits for buying ACKO Platinum Plan.

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



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

✅In-patient hospitalisation: This coverage represents the cost of hospital treatment during a planned surgery or an emergency. All hospitalisation costs for procedures deemed medically necessary are covered under the Rs 1 crore plan.

✅Extended pre and post-hospitalisation: A planned surgery may need additional treatment. It is covered by health insurance for 30 and 90 days, respectively. However, our cover goes beyond the standard time frame. We provide pre-hospitalisation benefits for 60 days and post-hospitalisation benefits for 120 days.

✅Ambulance expenses: Insurance companies typically cover only one ambulance trip per claim under their insurance plans. However, you are entitled to multiple ambulance trips up to the sum insured under ACKO Health Insurance Policy during a medical emergency.

✅Emergency transport: Advanced medical equipment may be inaccessible during an emergency. We can assist in arranging emergency transportation with the necessary equipment to move an insured person to a well-equipped facility. Transportation options include trains, road ambulances, or air ambulances.

✅Daycare treatments: Daycare coverage applies to medical procedures or surgeries that don't require a full day of hospitalisation. The ACKO Health Insurance Policy covers these.

What is not covered in the ACKO Health Insurance Plan in Pune? 
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The exclusions for our Rs. 1 Crore Health Insurance in Pune are as follows.

Weight control surgery: Unless medically necessary and advised by a certified doctor, any weight control procedure costs are not covered.

Supplements and hormonal therapy: There is no coverage for the cost of supplements, vitamins, or hormonal therapy.

Undisclosed medical conditions: When purchasing the policy, you must disclose any pre-existing diseases as well as your current medical status. Otherwise, the corresponding treatment will not be covered.

Suicide attempt: The costs of resuscitation and treatment for a suicide attempt are not covered.

Dental and cosmetic surgery: Unless required due to an accident, routine dental or cosmetic treatment is not covered.

Treatment for infertility or sterility: Infertility, sterility, or related treatments are not covered.

Prosthetics and other devices: Prosthetics and other devices such as hearing aids, spectacles, and so on are not covered.

Vision correction: This health plan does not cover correction surgeries for less than 7.5 dioptres of eyesight.

Gender correction surgery: Gender-correction treatment and surgery costs are not covered.

Maternity and childbirth: Delivery costs 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 Pune
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More than 14000 hospitals in India are associated with ACKO. The list of renowned Pune hospitals where our policyholders can avail of our cashless facility is given below.

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

Tips for finding the best health insurance policy in Pune
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Finding the ideal health insurance plan can be difficult, especially if it's your first policy. We do have your back, though. Here are some useful tips that can help you discover a suitable and affordable health insurance policy in Pune.

  1. Know your requirements: Consider aspects like age, number of dependents, medical history, income, hereditary diseases in the family, etc. Once you have all the information, look for the right coverage. This way, finding a medical insurance plan that fits your requirement becomes simpler than buying a standard plan from the available options. 

  2. View prices of different health plans: Buying medical insurance online is straightforward with the help of resources like a health insurance premium calculator. This gives you an idea of your health plan coverage, services, and price. If you try modifying the coverage slightly, you can also see a change in the quote. So, you can save money by calculating the cost before buying the plan.

  3. Compare plans: Different types of health insurance plans are available in the market, but not all suit your needs and budget. This is where comparing health plans will help you. You can filter out plans that do not meet your requirement or if you feel they won't help you adequately during a medical emergency. Then narrow your search on coverages, waiting period, exclusions, price, etc. This way, you can find the best health insurance plan in the market.

  4. Minimum to no waiting period: By purchasing a plan with a minimum waiting period, you can lower your out-of-pocket costs in the event of a medical emergency. Finding a plan with no waiting time, like the ACKO Platinum, might be beneficial. From the first day, all disclosed health conditions are covered under this policy.

  5. Know the inclusions and exclusions: Always be aware of the terms and conditions of the health plan. This includes the services, exclusions, and coverages offered under the policy. Understanding the coverages and exclusions will help you decide when to file a claim. 

Types of health insurance in Pune
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Following are the different types of health insurance plans you can buy in Pune. Note that the health plans mentioned below are subject to availability.

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

  2. Group Health Insurance

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

I need a new health insurance plan. Where should I search?


If you want to buy a new health insurance plan, you can simply scroll up and click on "Get your family covered". Under ACKO Platinum Health Insurance Policy, you can benefit from a sum insured of Rs. 1 crore or Unlimited and features like zero waiting period and zero deductions on the claim amount.

Should I buy a separate health insurance plan for my parents?


Yes, buying a separate health insurance plan for ageing parents will help you provide a strong financial backup during a medical emergency. It will take care of their age-related medical needs, and a dedicated sum insured will be available for them.

Why should one buy health insurance at a younger age?


Generally, younger people do not suffer much from health issues as compared to older people. So, buying health insurance early will cost less, and you can even get an additional sum insured with benefits like No Claim Bonus. However, do not worry about the age factor if you missed buying it when you were younger. Now is the right age to get the necessary coverage.

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.