Health Insurance Plan in Hyderabad

Health Insurance Plan in Hyderabad takes care of the medical bills and helps you focus better on your recovery. Hyderabad is recognised as India’s ‘Information Technology Capital’ and has rich cultural relevance. However, its rate of urbanisation and changing lifestyles pose different health risks to its population. A survey conducted recently underlines that more than half of the chronic diseases in the city are from old city regions, pointing towards increased health concerns caused by factors such as pollution, a poor diet, and lack of exercise. Diseases including hypertension, diabetes, and heart complications have become prevalent.

Health Insurance Plan in Hyderabad takes care of the medical bills and helps...

Common Health Issues in Hyderabad

Here’s a table summarising the common health issues in Hyderabad, a survey reported in Times of India:

Health Issue	Prevalence (%)	Remarks

Hypertension	25%	A common condition that has been associated with stress and lifestyle habits.
Diabetes	15%	More cases are associated with a lack of exercise and unhealthy diets.
Respiratory Issues	20%	Worsened by growing episodes of air pollution and industrial emissions.
Cardiovascular Diseases	10%	Due to poor eating habits, smoking, and a sedentary lifestyle.
Obesity	18%	Modern life in urban cities, with a lack of exercise and unhealthy diets.
Tuberculosis (TB)	8%	Primarily affecting lower-income groups in densely populated areas.
Skin Allergies	12%	Some causes are associated with pollution and poor water quality in some parts of the city.
Gastrointestinal Disorders	15%	This results from a lack of good nutrition and the presence of microorganisms in foods or water consumed.

Why Should You Buy Online Health Insurance in Hyderabad?

Buying online health insurance in Hyderabad has the following advantages:

Reason	Explanation

Convenience	Purchasing a health insurance policy could seem time-consuming, but online health insurance in Hyderabad can be done from the comfort of your home within minutes.
Easy Comparison	Online platforms allow you to easily compare multiple policies from different insurers in Hyderabad, helping you find the best coverage at the most affordable premiums.
Instant Policy Issuance	After selecting the right plan, online health insurance policies can be issued in the shortest possible time, shorter than the traditional time-consuming paperwork.
Cost-Effective	You will find cheap health insurance policies online because there are no middlemen, lowering your costs.
Transparent Information	Policy information, including coverage, terms, and conditions, is easy to get, which helps avoid confusion.
Customisation Options	Depending on your medical needs in Hyderabad, you can select policy add-ons or exclusions that you require for the policy.
Paperless Process	The entire process, from purchase to claims, can be completed online, ensuring a completely paperless experience which is both eco-friendly and efficient.
Access to Support	Many online platforms offer 24/7 customer support, making it easy to resolve any queries or concerns during the purchase or claims process.
No Hidden Charges	Online health insurance policies have no hidden costs- what you see is what you get, and you pay for exactly what you want.
Simple Renewal Process	Renewing health insurance online is relatively easy regarding formalities, as most insurance companies and associations issue minimal documentation and provide a user-friendly online portal for fast policy renewal.

Benefits of buying medical insurance in Hyderabad from ACKO

Here’s everything you need to know if you want the best medical insurance in Hyderabad. ACKO’s Rs. 1 Cr plan is a cut above the rest. Here is a table enumerating its various features:

Key features	ACKO advantage

Daycare treatment	Up to Rs. 1 crore
Post-hospitalisation	120 days
Pre-hospitalisation	60 days
Waiting period	Nil
Room rent	Up to Rs. 1 crore (any hospital room of your choice)
AYUSH treatment	Up to Rs. 1 crore
Co-payment	0%
Deductions at claim	Nil
COVID-19 treatment	Up to Rs. 1 crore
Intensive Care Unit (ICU) charges	Up to Rs. 1 crore
Critical Illness Cover	Included in the same plan
Ambulance charges	Up to Rs. 1 crore
Preventive health checkup	Every year for insured members above the age of 18 years
Inflation protect	10% increase of sum insured per annum (terms and conditions apply)
Network hospitals	10,500+ hospitals
Teleconsultations	Up to Rs. 1 crore

What is Covered and Not Covered in the ACKO Health Insurance Plan in Hyderabad?

If you buy ACKO’s Health Insurance Plan with a 1 Crore sum insured, here are the coverages you can benefit from:

✅Covers medically necessary hospitalisation: Most health insurance plans cover only specific medical expenses. ACKO’s plan, on the other hand, covers medically necessary hospitalisation expenses. All you have to do is submit your medical history at the time of policy purchase.

✅Broad coverage: Our coverage doesn’t end with hospitalisation expenses; it further extends to expenses incurred before and after availing a treatment. We cover post-hospitalisation expenses for up to 120 days and pre-hospitalisation expenses for up to 60 days.

✅Daycare procedures: These procedures are treatments usually completed within a day. Examples include cataract operation, ligament tear surgery, lithotripsy, etc.

✅Transportation during a medical emergency: During a medical emergency, if you are in a locality where there are inadequate medical facilities, we will cover your transportation to a well-equipped healthcare centre. Coverage includes modes of transport like train, ambulance, commercial and medically-equipped flights.

✅Ambulance bill: Health plans usually don’t cover transportation from your home to the hospital. However, ACKO’s plan covers this back-and-forth transportation of the insured up to the sum insured limit.

❌Unrevealed health conditions: If you do not reveal a health condition while buying the policy and raise a claim for the same, coverage will not be granted.
❌Eyesight correction treatment: Operation for eyesight correction below 7.5 dioptres is not covered.
❌Maternity-related expenses: Expenses related to child delivery and birth are not covered.
❌Sterilisation and infertility procedures: ACKO’s Health Plan does not cover treatments for sterilisation and infertility.
❌ Gender-altering operations: This policy does not cover procedures for changing one’s gender.
❌Weight-loss treatments: We only cover medically prescribed weight-loss procedures.
❌Dental and cosmetic treatments: Our plan only covers dental and cosmetic treatments prescribed for accidental injuries. Other scenarios are not covered.
❌Suicide attempt: All medical costs resulting from attempted suicide are not covered under this health policy.
❌Hormonal treatments and supplements: Our health plan does not cover hormonal treatments and supplements.

Note: The above-mentioned points are purely informational. Kindly review the policy wordings of ACKO’s Rs. 1 Crore plan to know all its inclusions and exclusions.

List of ACKO’s cashless network hospitals in Hyderabad

Network hospitals are medical centres that have a tie-up with your insurer. So, if you get treated there, your insurer will pay the hospital directly, per the policy terms. The following are some of our prominent cashless network hospitals in Hyderabad.

KIMS Hospital Enterprises Private Limited
Continental Hospital
Apollo Hospitals (Jubilee Hills)
Medicover Hospital
Aware Gleneagles Global Hospitals
Virinchi Hospitals
Yashoda Hospital
Basavatarakam Indo-American Cancer Institute & Research Centre
Sunshine Hospital
Star Hospital
AIG Hospitals
Care Hospital

Click here to find network hospitals near you.

Tips for finding the best health insurance policy in Hyderabad

Whether you are a first-time buyer or going for policy renewal, follow the below-listed tips to find the best health insurance in Hyderabad:

Be clear on your insurance requirements

If you assess your health requirements and list the potential medical costs, you will be better positioned to choose a suitable policy.

Buy online health insurance

As previously mentioned, online health insurance is way more cost-effective and convenient than offline. So, it’s beneficial to buy health insurance online.

Opt for wide coverage

Based on your budget, choose a health plan that offers coverage for a broad range of medical scenarios. That way, you may be less stressed during a medical emergency.

Go through the policy wordings

Before buying a medical policy, review its terms and conditions. That way, you will come to know the inclusions and exclusions. Choose a policy with a good range of inclusions and fewer exclusions.

Check the list of network hospitals

When purchasing a health policy, ensure that the insurer has tie-ups with a good number of quality hospitals in Hyderabad. Especially, check if the network hospitals are near your residence to rush to in a medical emergency.

Avoid cost-sharing health plans

Some health plans come with a deductible or copayment clause and are usually lower in cost than regular plans. However, at the time of claim, you must bear a portion of the medical costs yourself. That is why buying a plan that offers complete coverage is better.

Opt for plans with a lower waiting period

Usually, health insurance policies have a waiting period for pre-existing health conditions. This period usually spans for 2 to 3 years. So, choose a health plan that has little or no waiting period. ACKO’s Rs. 1 Cr Plan has no waiting period for pre-existing diseases.

Reasons to buy Health Insurance in Hyderabad

Here are the top reasons to consider buying ACKO’s health insurance in Hyderabad:

You can afford medical care without worrying about funds during a health crisis.
You can be financially protected against medical costs like ambulance charges, hospitalisation, critical illness treatments, etc.
When filing income tax, you can avail of tax benefits under Section 80D of the Income Tax Act, 1961.
You can be protected with a high-sum insured plan and get coverage against most medical expenses.
Under a single plan, you can get coverage for your spouse, parents, parents-in-law, and kids.

Types of Health Insurance Plans in Hyderabad

These are the different kinds of health plans in Hyderabad city. Note that these are subject to availability:

Frequently Asked Questions

What are the features of the best health insurance in Hyderabad?

The features of the best health insurance in Hyderabad include no deductibles, no waiting period, high sum insured, broad coverage and a long list of credible network hospitals. ACKO’s Platinum Plans offer all these features.

Will my health insurance policy cover treatment availed from a non-network hospital?

Yes, health insurance will cover treatments (listed as inclusions) availed of from a non-network hospital, too. The only difference is that instead of cashless treatment, you may have to pay for the treatment from your pocket and apply for reimbursement. Then, based on the policy terms, your insurer will compensate you.

What makes ACKO the best health insurance provider in Hyderabad?

As you may be aware, several health insurance companies in Hyderabad offer different health insurance products. However, ACKO’s health products stand out for their unique offerings and high CSR. So, it’s beneficial to choose ACKO health insurance in Hyderabad.

Which is the best time to port my medical insurance in Hyderabad?

The best time to port your health policy in Hyderabad is during health insurance renewal. Because if you port your health insurance any other time, you will mostly get only partial or no reimbursement of the premium you have already paid. So, you might as well wait for the policy term to expire before moving on to a different policy.

How can I get extra coverage for my health insurance policy in Hyderabad?

Most health insurance providers in Hyderabad, such as ACKO, allow consumers to modify policies to increase their effectiveness. You can opt for a rider, which includes critical illness coverage, personal accident coverage, or optional maternity benefits. Some of these come at an extra cost but offer much broader coverage based on your lifestyle habits and health needs. It is, therefore, essential to read the add-on policy’s terms and conditions before concluding the policy.

Written by Roocha Kanade

2K Linkedin Followers

Reviewed by Rupinderjit

A 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!