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Road Ambulance Cover in Health Insurance
While others cover only 2 trips, with ACKO Health Plans, get coverage for multiple road ambulance trips during hospitalisation. Plans start @Rs. 20/per day*.
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Accidents or emergencies while travelling on the road are very common. It can either happen to you or your close ones. In most road medical emergencies, we tend to call for an ambulance as it provides some basic treatments to the individual and also can take you to the nearest hospital for a thorough checkup.
However, ambulance costs in some cases are very costly and if the medical emergency is not too serious, we often feel like we want a good sum of money on an ambulance. So, if you have a health insurance plan and have a road ambulance cover in that, you do not have to worry about ambulance charges. The primary aim of this cover is to bear all the ambulance charges during any medical emergencies requiring ambulance services.
Road Ambulance Limit in health insurance varies from one insured person to another. Besides, it depends on the predetermined amount stated in the policy terms and conditions. To learn more about the road ambulance limit, keep reading the article.
Road Ambulance in Health Insurance Coverage Limits: Example
Most insurance companies offer road ambulance coverage with a limit. ACKO offers ambulance coverage up to the sum insured of your health insurance plan. For a better insight, look into the following example below.
Which Types of Ambulance Expenses Covered in Road Ambulance Health Insurance?
There are two types of ambulance covers that you can choose from, one is emergency ambulance cover and the other is comprehensive ambulance cover. Read below to discover more about the types.
Emergency Ambulance Cover
It will bear expenses only if you avail of ambulance services in a medical emergency.
Comprehensive Ambulance Cover
It will cover both emergency and non-emergency ambulance services you opt for.
What are the Conditions Applied for Road Ambulance Coverage?
A Road Ambulance coverage will bear all the reasonable expenses made towards the ambulance service availed by you for travelling to the hospital or daycare centre. However, there are the following terms and conditions for Road Ambulance coverage in health insurance.
Covers online emergency ambulance services
Ambulance trip to a hospital is only included (Unless the transportation is needed or pre-approved by the insurer, the provider is not liable to bear the ambulance trips from the hospital to the insured residence)
Approved inpatient hospitalisation claim
Prescribed in writing by a doctor
Coverage up to the limit
Not be able to use any other mode of transport
Note: These conditions are subject to vary from one insurance company to another.
10 Factors to Consider While Buying Health Insurance
You might think that buying any health insurance is enough to safeguard you from any unexpected future medical emergencies. However, you must carefully choose a health insurance policy to suit every insurance need of yours. Below are a few pointers that you must look into before buying health insurance.
Inclusions
Waiting period
Co-pay clause
Room rent capping
Ambulance trip covers
Daycare procedures
Pre and post-hospitalisation
Sub-limits
Cashless facilities
Claim process
Exclusions, etc.
Benefits of Purchasing ACKO Health Plans
ACKO health insurance benefits act as a safety net against varied unexpected medical emergencies. We offer a wide array of health plans to suffice every insurance need of our valued customers. Additionally, you will get a long list of features with our every health plan. Keep reading to explore some of the prime features of ACKO health plans.
More than 14,300 across India hospitals
Zero deductions on claims
No third-party agents
Pre-hospitalisation expenses (up to 60 days)
Post-hospitalisation expenses (up to 120 days)
No room rent capping
Non-medical expenses, etc.
| Enhance your health insurance by exploring these unique benefits | |||
| Room Rent Limit | Unlimited Sum Insured | ||
The Bottom Line
Before buying a health insurance plan, look for road ambulance cover to ensure a comprehensive health care coverage plan. However, the insurer will compensate the ambulance service expenses only under specific conditions. Now that you are well aware of the road ambulance limit in health insurance, opt for one today.
Frequently Asked Questions
Below are some of the interesting frequently asked questions regarding road ambulance cover in health insurance.
1. Is the coverage under ambulance coverage limited?
Many insurance companies offer less sum insured under road ambulance coverage. However, ACKO Health covers ambulance trips up to the sum insured of your plan.
2. Can I avail ambulance coverage more than once a year?
The number of times you can claim road ambulance cover depends on the insurance policy terms and the insurer. Some insurance providers allow their policyholders to avail this coverage more than one time a year.
3. What are the exclusions under road ambulance cover?
Recurring commute expenses incurred after reaching home are not covered under a road ambulance cover.
4. Are there any tax benefits on the road ambulance cover in health insurance?
Under Section 80D of the Income Tax Act 1961, you can get a tax reduction of up to Rs. 25,000. However, if you are 60 years old or above, you will get a deduction up to Rs. 50,000.
5. Will I get road ambulance cover for a planned ambulance service?
Planned ambulance trips are not included under road ambulance coverage in health insurance. In most scenarios, you will get road ambulance coverage for only emergency ambulance trips.
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. Please visit our support centre at https://www.acko.com/contact-us/ for any assistance.
Plan Your Future with Life Insurance
Just as health insurance is essential for safeguarding the well-being of your family by covering unforeseen medical costs, life insurance protects their long-term finances in emergencies.
Life insurance is a vital step in ensuring your family’s financial stability. Plans like term insurance are excellent choices if you are seeking cost-effective coverage. A 1 crore term insurance plan provides great financial stability at a low cost. If you’re considering purchasing a term plan, ensure to use a term life insurance premium calculator to make informed decisions. This tool allows you to find the right coverage and calculate premiums based on your budget and lifestyle, making the procedure simple and hassle-free.
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Written by
Roocha Kanade
Content Architect
Health Insurance content enthusiast who turns complex topics into easy, binge-worthy reads—fueled by SEO, creativity, and way too much chai! Loves juggling multiple projects, cracking impossible deadlines, and sprinkling humor into the mix. When not geeking out over digital trends, you'll find her lurking on Quora and Reddit, planning the next getaway, or passionately decoding all things health and insurance!
Reviewed by
Dr Nitin Kumar Gupta
SVP – Health Underwriting & Claims at Acko General Insurance
SVP – Health Underwriting & Claims at Acko General Insurance — With 20+ years of experience driving digital transformation and profitable growth, I am a seasoned Senior Insurance Executive specialising in Health, Life, Accident, and Disability insurance. Backed by an MBBS degree and advanced insurance designations (FLMI, FALU, FLHC, ACS, ARA), I bring a unique blend of medical expertise and deep insurance-domain leadership. My core strength lies in optimising underwriting and claims operations, enabling automation-led scalability for both large insurers and digital-first startups.
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