Health insurance plans in Bangalore offer a reliable solution for tackling rising medical expenses. Bengaluru, earlier called Bangalore, is India’s IT capital, where many new-generation startup unicorns, top IT companies, and manufacturing companies are based. As the city grows quickly and becomes one of the largest in the nation, it faces significant problems such as dilapidated roads, increased traffic jams, and a high pollution level. These problems elevate the likelihood of contracting noncommunicable diseases and experiencing lifestyle-related mishaps. In such an environment, getting strong health insurance coverage is essential to avoid the financial losses of hospitalisation. At ACKO, you can opt for a health insurance plan that covers modern healthcare services. Do you want to know more about the ACKO Platinum Health Insurance Plan? Read on to find more.
Zero
Waiting period
10,500+
Cashless hospitals
100%
Bills covered
Medical inflation is on the rise, and more people are increasingly being diagnosed with lifestyle-related illnesses. In Bengaluru, 7% of women and 9% of men have dangerous blood glucose levels. Also, 13% of women and 21% of men have high blood pressure. These chronic conditions increase the health risks of the Bengaluru residents.
Being a digital-first insurance company in Bangalore, ACKO offers customised health insurance policies that best suit the needs of a Bangalorean. Some of the unique features of ACKO Platinum Health Insurance Policy with 1 Cr. sum insured are Zero Waiting Period and Zero Deductions at claims. Buy one of the best medical insurance in Bangalore today to protect yourself against medical inflation and stay financially protected.
The non-communicable disease in Karnataka and Bengaluru is steadily increasing, especially for people under the age of 30. The most common health issues that Bengaloreans face are:
| Women with blood pressure | 14.8% |
| Men with blood pressure | 17.2% |
| Women with diabetes | 5.7% |
| Men with diabetes | 6.6% |
| Fatal road accidents | 10,060 |
| Out of pocket expenses for non-hospitalised OPD | 732 |
| Out of pocket expenses for hospitalised cases | 18,120 |
Here’s why you should consider buying health insurance online in Bangalore.
With 100% digital transactions, you skip the unnecessary paperwork to buy or renew a health insurance policy or raise a claim. You can access such essential services with just a few clicks/taps through our website/mobile app.
One of the primary benefits of purchasing medical insurance online is the convenience of comparing different plans and then deciding on a suitable one. Scroll to the top of this page to instantly get a health insurance quote in Bangalore and compare it with other options to make an informed purchase decision.
Buying health insurance in Bangalore through the traditional offline setup can be cumbersome. In contrast, our online setup and 24x7 support not only enable buying the policy in a hassle-free manner but also make the entire insurance experience effortless.
Healthcare costs are increasing globally, and Bengaluru is no exception. Urban households in Bengaluru pay 57% more than rural households. Further, 80.2% of out-patient care is provided by private healthcare institutions, and out-of-pocket expenses have increased by 50% in the last ten years.
NRIs visiting Bengaluru to spend time with their families or those looking to return to India must consider adequate health protection when they are in India. You might have health insurance in the country where you work, but those policies generally won’t extend to cover hospitalisation expenses when you are in India. Bengaluru is home to some of the best healthcare facilities in India, but you must be adequately prepared to get expensive treatments with the right health insurance. Some of the key reasons why NRIs need medical insurance in Bengaluru are:
NRIs may get health insurance cheaper than an international plan to cover medical costs during their India stay.
There are various health insurance plans that Indian NRIs can access while visiting India to meet their hospitalisation, day care treatments, and emergency needs. Others, like ACKO Platinum, provide even higher coverage limits, ensuring policyholders can enjoy good healthcare.
A standard feature of most Indian health insurance policies is that they offer cashless treatments in a network of hospitals. This feature ensures NRIs can enjoy quality medical services without being requested to deposit any cash during an accident.
Many Indian health insurance policies allow NRIs to include their family members in the same plan, ensuring their loved ones in India are financially protected in case of medical emergencies.
NRIs with taxable income in India can claim tax deductions under Section 80D of the Income Tax Act for premiums paid for health insurance policies covering themselves, their spouses, or dependent parents.
Policies in India often include benefits like pre- and post-hospitalisation expenses, AYUSH treatment coverage, domiciliary hospitalisation, and wellness programs. This holistic approach to health insurance ensures extensive protection.
Some insurers provide plans designed explicitly for NRIs, covering treatments availed in India and abroad. These plans cater to the unique needs of individuals living outside India but frequently visiting.
Indian health insurance plans are easy to purchase online, with digital platforms simplifying application, documentation, and renewal processes. NRIs can conveniently manage policies from anywhere.
ACKO 1 Crore Platinum health insurance plan has the following features.
| KEY FEATURES | ACKO ADVANTAGE |
| Waiting period | 0 days |
| Deductions at claim | Nil |
| Co-pay | 0% |
| Room rent | Up to Rs. 1 crore (any hospital room without deductions) |
| Intensive Care Unit (ICU) charges | Up to Rs. 1 crore |
| Critical Illness Cover | Included in the same plan |
| Network hospitals | 10,500+ hospitals |
| Teleconsultations | Up to Rs. 1 crore |
| Preventive health checkup | Every year for insured members above the age of 18 years |
| COVID-19 treatment | Up to Rs. 1 crore |
| Inflation protect | 10% increase of sum insured per annum (terms and conditions apply) |
| AYUSH treatment | Up to Rs. 1 crore |
| Daycare treatment | Up to Rs. 1 crore |
| Pre-hospitalisation | 60 days |
| Post-hospitalisation | 120 days |
| Ambulance charges | Up to Rs. 1 crore |
All healthcare expenses arising from hospitalisation are covered under our 1 crore health plan. You can claim any type of hospitalisation expenses that are medically required (just make sure you share your past and current medical history while purchasing the policy).
You can claim medical expenses towards pre-hospitalisation for up to 60 days. And for up to 120 days towards post-hospitalisation expenses.
Our health insurance plan covers medical expenses for minor procedures such as cataract surgery.
We cover the ambulance charges of up to the sum insured.
In case of a medical emergency, and if you cannot get sufficient medical facilities, we shall cover the cost of transporting you to a better-equipped hospital. The coverage includes transportation through a medically-equipped road ambulance, aircraft, train or commercial airline.
You shall not receive coverage for undisclosed medical conditions.
No coverage for medical expenses toward childbirth and delivery.
Medical expenses for the treatment and surgery for eyesight correction less than 7.5 dioptres are not covered.
Hospitalisation expenses for the treatment of infertility and sterility are not covered.
No coverage for surgeries related to weight control except if it is required for medical purposes.
Medical costs arising from change-of-gender treatments are not covered.
The plan does not cover medical expenses from dental and cosmetic surgery unless it is medically required.
The cost of prosthetics and other medical devices is not covered.
Medical expenses of the treatment arising from an attempted suicide are not covered.
Expenses related to supplements and hormonal therapies are not covered.
Here are some valuable tips for buying the best health insurance policy in Bangalore:
Before buying an online health insurance policy in Bangalore, you must evaluate how much you are willing to invest in it. By assessing your financial status, you can choose the best health insurance policy in Bangalore that offers wide-ranging benefits.
Take advantage of our online health insurance premium calculator to know the cost of a health plan in Bangalore. The online premium calculator lets you compare different prices of health insurance plans in Bangalore and enables you to choose a suitable plan as per your needs.
Ensure you read the inclusions to understand the coverage details. ACKO offers maximum coverage, such as no room rent cap, no waiting period, no co-pay, etc. So, buy ACKO health insurance for broader coverage of up to Rs. 1 crore.
We have partnered with several medically well-equipped hospitals in Bangalore. Check the list of network hospitals to avail of the best medical care.
Health insurance policies have exclusions. Check what is not covered under the policy since you cannot file a claim against such healthcare expenses.
Our Rs. 1 crore Health Insurance Policy has a Zero Waiting Period for hospitalisation. The only catch is that you need to inform us about your past and present medical history to enjoy this benefit.
We shall pay the entire medical expenses. There is no co-pay or deductibles in our health insurance policy (1 crore policy). Hence, you don’t have to pay from your pocket during claims.
There are several reasons why you need medical insurance in Bengaluru. Here are some of the common benefits of health insurance:
Here are the types of health insurance plans in Bangalore. Plans are subject to availability at ACKO:
ACKO Health Insurance provides Bengaluru residents with a convenient and comprehensive health coverage solution. With its digital-first approach, affordable premiums, and flexible plans, ACKO makes it easy to protect yourself and your family from unexpected medical expenses. Backed by a strong claim settlement ratio, ACKO ensures a seamless and reliable health insurance experience for those in Bengaluru.
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.
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Reviewed by Rupinderjit 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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