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.
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 Health Insurance 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.
The following are reasons for considering the ACKO Health Insurance Policy in Pune.
With health insurance in Pune, you can receive treatment immediately without putting it off because of cost concerns.
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.
You can avail tax benefit for purchasing a health insurance policy under Income Tax Act's Section 80D.
For non-emergency medical procedures, you can file a claim through the daycare treatment coverage.
You can add dependents (spouse and up to four kids) to a single health plan. This way, you don't have to worry about managing multiple health insurance plans.
You get coverage for critical illness, hospitalisation, wellness plans, and more.
You can feel secure about any upcoming medical treatments with a high sum insured of Rs. 1 crore.
With teleconsultations, you can take multiple second opinions from certified doctors.
Here are some key reasons to buy health insurance online rather than offline.
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.
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.
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.
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.
Over 7.7 crore people trust ACKO for their insurance needs. Our health plan, which has a sum insured of Rs. 1 crore, helps incorporate your insurance requirements into a single policy. You get the following benefits for buying ACKO Health Insurance Policy.
|Key features||ACKO advantage|
|Intensive Care Unit (ICU) charges||Up to Rs. 1 crore|
|Teleconsultations||Up to Rs. 1 crore|
|Waiting period||0 days|
|Preventive health checkup||Every year for insured members above the age of 18 years|
|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 Rs. 1 crore|
|Room rent||Up to Rs. 1 crore (any hospital room without deductions)|
|Daycare treatment||Up to Rs. 1 crore|
|Network hospitals||7,000+ hospitals|
|AYUSH treatment||Up to Rs. 1 crore|
|Ambulance charges||Up to Rs. 1 crore|
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.
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.
More than 7000 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.
Shri Samarth Hospital
Dhanwantri (no cashless for PSUs)
Chellaram Hospital Diabetes Care & Multispecialty
Jhamwar Eye Hospital
Panortho Multispeciality Hospital
Divine Superspeciality Hospital & Trauma Center
Pune Netralaya And Retina Institute Eye Hospital
Dr Raskar Eye Hospital
Sai Darshan Multispeciality Hospital (Cashless Facility For Pvt Insurance Companies)
Vimal Nursing Home
Ganga Nursing Home (Cashless Only For Pvt Insurers)
Shree Harneshwar Clinic
Hiremath Nursiing Home (Cashless only for Private Insurer)
Subudh Hospital And Research Centre
Click here for the complete list of ACKO’s cashless hospitals.
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.
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.
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.
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.
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 Health Insurance Policy, might be beneficial. From the first day, all disclosed health conditions are covered under this policy.
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.
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.
Senior Citizens Health Insurance
Critical Illness Insurance
Illness-specific health insurance plans (example: Corona Kavach, etc.)
Maternity Health Insurance
Group Health Insurance
Mediclaim Insurance Plan
Family Floater Health Insurance
Personal Accident Insurance Policy
Individual Health Insurance
Here are answers to some common questions about health insurance in Pune.
If you want to buy a new health insurance plan, you can simply scroll up and click on "Get your family covered". Under ACKO Health Insurance Policy, you can benefit from a sum insured of Rs. 1 crore and features like zero waiting period and zero deductions on the claim amount.
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.
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.
|What is Copay in Health Insurance||Deductible in Health Insurance||Sum Insured in Health Insurance|
|Pre-Existing Diseases and Conditions||Health Insurance Portability||Third-Party Administrator (TPA) in Health Insurance|
|Day Care Procedures in Health Insurance||Mediclaim Policy||Types of Health Insurance|
|Room Rent Capping in Health Insurance||Loading in Health Insurance||Critical Illness Insurance Policy|
|Indemnity Health Insurance Plan||Nominee in Health Insurance||Pre and Post Hospitalisation Expenses in Health Insurance|
|Cumulative Bonus in health insurance||Fixed Benefit Health Insurance||Lifelong renewal of health insurance|
|Free-look Period in Health Insurance||Health Insurance Plans for Family||Maternity Health Insurance|
|Individual Health Insurance||Best Health Insurance in India||Preventive Health Check-Up|
|Arogya Sanjeevani Policy||Group Health Insurance||1 Crore Health Insurance|
|Cashless Health Insurance||Covid-19 Insurance Policy||Corona Kavach|
|Health Insurance Claim||Medical Insurance Renewal||Compare Health Insurance|
|Reimbursement Health Insurance||Health Insurance Premium Calculator||Waiting Period in Health Insurance|
|Health Insurance for Women||Health Insurance Online||Comprehensive Health Insurance|
|Copay vs Coinsurance vs Deductible|
|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.|
IRDAI Registration No: 157
Category: Non-Life Insurance
The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. | *Save Rs. 45,000 has been calculated on IDV of 20,00,000, 0% NCB and select add-ons. Amount saved is in comparison to Acko's F&U filing. Product name: Private Car Policy - Bundled | UIN: IRDAN157RP0014V01201819 |
Trade logo displayed above belongs to ACKO Technology & Services Pvt Ltd and used by ACKO General insurance Limited under License. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.