With the increased number of people suffering from ailments, the importance of getting health insurance is recognized by most population. This has given rise to multiple agencies offering similar services. In such scenarios, choosing the best health insurance plans in India according to your budget and requirements is nerve-racking.
In this article, we share with you some of the best insurance plans offered by ACKO along with major criteria by which you must assess any health insurance plan to make a right and informed choice.
- Select the suitable sum insured: having the right amount insured gives you financial stability in times of medical crisis in considering factors like your age, medical conditions, location, health insurance premium amount, and healthcare needs. You must select a plan to match your unique situation.
- Specific healthcare needs: Your healthcare needs can guide you to find a plan that offers the services and treatments you require for any pre-existing illness or ongoing medication.
- Premiums– Medical insurance premiums are to be paid each month for your insurance, thus find plans that fit your budget and give you a good coverage cost.
- Coverage limits and exclusions– All insurances standardized and non-standardized have their limits and exclusions that are not covered by the insurance like certain intentional injuries or conditions arising from natural disasters.
- Lifetime renewability: health issues increase with age and hence it is recommended to choose a plan that offers lifetime renewability.
- High Claim Settlement Ratio (CSR)- High CSR means a higher probability that your claim may be settled. Select an insurer with a high CSR, as it guarantees that the insurer will not reject your insurance claim without a valid reason listed in the policy documents.
- Minimum waiting period– Many health plans come with a waiting period for certain pre-existing diseases and hence the health policy you choose must have a lower waiting period like ACKO health insurance policy which has no waiting period and offers coverage for all disclosed pre-existing conditions from day 1.
Best Insurance Plans By ACKO
ACKO offers government-stated health plans and their health insurance policies. Compelling reasons to choose ACKO services include it provides digital/online insurance which is super convenient and also has tie-ups with over 7000+ hospitals around the country. It offers a plethora of options to choose your suitable health plan and some of its best health insurance plans are:
- ACKO Health Insurance Policy: This is a health plan with a total sum assured of 1 crore to take care of your complete medical expenses. It is a family plan allowing you to add 5 more people other than yourself as beneficiaries for the insurance.
- Arogya Sanjeevani by ACKO: Arogya Sanjeevani Policy by ACKO is a standard health insurance plan with a sum assured ranging from Rs. 50,000 to Rs. 10,00,000 covering the basic treatment costs. The most compelling reason to choose this plan is its affordable premium and providing insurance coverage for your immediate family members.
- Corona Kavach by ACKO: It is a specific health plan that intends to cover medical expenses associated with COVID-19. This plan is relatively affordable and offers a total insured sum between Rs. 50,000 to Rs. 5,00,000. This is unique as you can raise a claim for expenses related to Allopathy or AYUSH treatments.
- Group Medical Insurance: These plans by ACKO help cover employees of an organization. The insurance premium is generally paid by the employer but employees can increase their insurance coverage by adding to the premium amount.
So, choose the plan and live a peaceful life without worrying about impending medical expenses.
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