Health Insurance Plan in Delhi helps you manage the financial aspect of a medical emergency. Delhi, the capital city of India, is a thriving hub of economic opportunities driven by a vibrant hustle culture. However, it is also the country's most polluted city, posing significant health risks to its residents. Doctors nationwide are raising concerns over the alarming rise in non-communicable diseases over the past two decades, many of which are linked to toxic air pollution. Despite efforts to maintain a healthy lifestyle, falling ill is sometimes unavoidable. Hospitalisation expenses can quickly drain your savings and even lead to financial strain. Investing in a comprehensive health insurance plan, such as ACKO’s Rs. 1 Crore Health Insurance Policy, can safeguard your finances and ensure that hospital bills are never a concern. Read on to discover the extensive coverage and benefits of the health insurance plan in Delhi.
Zero
Waiting period
10,500+
Cashless hospitals
100%
Bills covered
As Delhi's population grows, the available space for physical activity shrinks, contributing to increasingly sedentary lifestyles. A recent National Family Health Survey (2019-21) highlighted that 6% of women and 8% of men have high blood glucose levels. Also, 15% of women and 28% of men have hypertension. Children of Delhi also have a huge health risk because 51% of them are obese.
Delhi is a leader in medical technology in India, offering access to advanced healthcare treatments. However, it also means that medical expenses will be higher than average. A study highlighted that families in Delhi pay 60.6% of medical bills out of their pocket for inpatient care and 75.6% of their own money for catastrophic health events.
That is why residents need comprehensive health insurance with a higher sum insured, such as Rs. 1 crore ACKO health insurance in Delhi, so that they can get critical treatments and focus on recovery instead of worrying about the expenses.
Medical emergencies can strike when least expected, and having the right financial support can provide invaluable peace of mind. Beyond serving as a safety net, a comprehensive health insurance policy offers numerous advantages, making it indispensable for Delhi residents.
Health insurance ensures you don’t delay necessary treatment due to financial concerns.
From hospitalisation and critical illnesses to wellness programmes, your policy can cover a wide range of medical needs.
Seek professional medical advice from the comfort of your home with included teleconsultation options.
Even short-duration treatments, which can still be costly, are covered under a robust health insurance plan.
Simplify your life with a single policy that provides coverage for your spouse and children.
A higher sum insured equips you to handle even the most significant medical costs without worry.
Save money while protecting your health. Premiums paid for health insurance are eligible for tax deductions under Section 80D of the Income Tax Act.
Here’s why you should consider buying health insurance online in Delhi from ACKO.
Buying health insurance online is way more convenient than purchasing it from an agency or visiting the insurer’s sales office. If you are opting for the online method, all you need is an active internet connection, an internet-enabled device, and some details to buy the policy.
Digital health insurance allows you to buy insurance quickly without submitting any physical paperwork. This reduces the processing time required to purchase the policy and kickstart the coverage.
With online comparison tools, you can compare multiple health plans within a few clicks. You can compare parameters like coverage, premium, value-added services, etc., and then buy the most suitable plan. On the other hand, comparing plans manually can take up a lot of time.
If you choose to buy online health insurance in Delhi, then you can buy the policy directly from ACKO. This way, you skip middleman commissions and can get the policy at a lower rate as compared to offline plans.
ACKO, a digital-first insurer, has simplified the process of buying insurance. The ACKO 1 Crore health insurance plan has the following coverage benefits.
| Key features | ACKO advantage |
| Co-pay | 0% |
| Waiting period | 0 days |
| Intensive Care Unit (ICU) charges | Up to Rs. 1 crore |
| Critical Illness Cover | Included in the same plan |
| Preventive health checkup | Every year for insured members above the age of 18 years |
| Teleconsultations | Up to Rs. 1 crore |
| Deductions at claim | Nil |
| Room rent | Up to Rs. 1 crore (any hospital room without deductions) |
| Inflation protect | 10% increase of sum insured per annum (terms and conditions apply) |
| Network hospitals | 10, 500+ hospitals |
| Daycare treatment | Up to Rs. 1 crore |
| COVID-19 treatment | Up to Rs. 1 crore |
| AYUSH treatment | Up to Rs. 1 crore |
| Ambulance charges | Up to Rs. 1 crore |
| Pre-hospitalisation | 60 days |
| Post-hospitalisation | 120 days |
Here are the coverage details of our Rs. 1 crore health insurance plan.
We cover medically necessary hospitalisation under the plan. This includes treatment for disclosed pre-existing diseases, hospitalisation due to a critical illness, injuries, and more.
Usually, insurers allow coverage for 30 days of pre-hospitalisation and 90 days of post-hospitalisation. However, under the ACKO Health Insurance Policy, you get 60 days for pre-hospitalisation and 120 days for post-hospitalisation coverage for medical treatment.
We provide coverage for multiple ambulance trips up to the sum insured of Rs. 1 crore. Thus, you practically avoid all the out-of-pocket expenses towards hiring an ambulance during a medical event.
Some medical procedures don't require you to get hospitalised for more than 24 hours. These are called daycare treatments. All such treatments are covered under the Rs. 1 crore plan.
It may sometimes happen that an advanced medical facility is not available during an emergency. In this case, we can arrange for emergency transport to a well-equipped facility. This includes medically-equipped speciality aircraft, a train, or an ambulance.
ACKO has a tie-up with more than 10,500+ hospitals in the country. The following is a list of some of the reputed hospitals in Delhi where our policyholders can avail of a cashless facility.
Click here for the complete list of ACKO’s cashless hospitals.
With so many options to choose from, finding the right health insurance policy online can take time and effort. The following tips will help you narrow down the right policy for you:
The best health insurance for you is the one that aligns with your needs. Evaluate your specific requirements, like the number of dependents, age, income, medical history, hereditary diseases in the family, etc., and then look for health insurance policies that offer the coverage you want.
Know how much your health insurance will cost you before the purchase. Use our health insurance premium calculator to customise the insurance plan for your budget. Increase or decrease coverage and understand its impact on your policy premiums.
Comparing plans can give you an idea of different health insurance products available in the market. You can also compare features, coverages, and services for a similar health plan. You can make an informed decision after weighing all the available options.
With health insurance, you must ride out the waiting period before you are eligible to raise a claim. Look for a plan that offers a minimum to zero waiting period. For example, ACKO Health Insurance Policy has a zero waiting period for disclosed ailments.
Always ensure you know what you are paying for. This includes the coverages, exclusions, and the terms of the policy. For example, ACKO offers multiple telephonic consultations with a certified doctor.
ACKO offers different types of health insurance plans in Delhi. Note that these are based on availability.
The bustling lifestyle and increasing health risks in Delhi make it essential to have a robust health insurance policy. Affordable health insurance with extensive coverage is now within reach with ACKO’s Rs. 1 Crore Health Insurance Plan. From hospitalisation to daycare treatments, the policy covers a wide range of treatments, including expenses before and after hospitalisation. Buy health insurance online with ease and enjoy peace of mind knowing that you and your family are protected.
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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