Health Insurance in Patna

Patna, being the capital of Bihar, is a hub for various industries, including agriculture, education, and government services. The city's diverse economic landscape has led to the development of a growing healthcare sector, with numerous hospitals, clinics, and medical centres providing essential medical services to its residents. The presence of institutions like the Patna Medical College and Hospital and the All India Institute of Medical Sciences (AIIMS) has further strengthened Patna's position as a centre for medical education and healthcare.

Reputed hospitals offer advanced facilities, but costs are high. Having adequate health insurance unlocks access to quality treatment for residents if they fall ill. The right coverage aids healing, recovery, and well-being.

Here are some recommendations.

So ACKO offers innovative plans for both individuals and nuclear families across life stages based on their specific health and budgets.

As healthcare infrastructure advances, treatment costs have exponentially gone up, with common surgeries costing upwards of Rs 50,000 today and double-digit healthcare inflation of 15-18% annually, meaning that the basic surgery worth Rs 2 lakhs 5 years back could cost around Rs 4 lakhs now; in such a scenario, buying ample health plans like ACKO's policies providing basic coverage to start with and further inflation-linked enhancements over the years ensures you remain protected. 

While Patna has both public and private hospitals, treatment costs can still be steeper in case of critical illnesses or planned surgeries than in other parts of Bihar.

Having a minimum base health cover of Rs. 10 lakhs per insured member is advisable to offset hospital bills for diseases. However, choosing a sum insured matching your full annual household income makes better sense for more comprehensive financial security.

For instance, if your family's total yearly earnings are, say, Rs. 15 lakhs, purchasing a Rs. 10-15 lakhs family floater health plan would allow adequate coverage for major health events requiring hospitalisation. 

Therefore, having sufficient insurance based on income levels, medical history, and healthcare costs in Patna is key to avoiding paying for hospital expenses from your savings. Review the adequacy of the sum insured yearly.

Wider coverage family floater plans often make better sense despite somewhat higher premiums, given rising medical inflation. For instance, a feature-rich ACKO policy with ₹10 lakh family cover may cost approximately ₹12,000 to ₹18,000 annually, including hospitalisation and Daycare benefits. Premiums vary based on age, pre-conditions, etc.

ACKO offers a choice of Standard, Platinum, and Top-up plans to meet diverse customer needs. 

Our top-of-the-line plan offers outstanding features:

Our standard plan balances coverage and affordability:

The effective way to boost existing health insurance:

Compared to traditional players, ACKO plans thus provide unmatched product innovation, use of technology, and service experience - making them the most prudent health insurance choice today.

Inflation Protect Sum Insured is an innovative offering from ACKO under its health plans, wherein your sum insured will be automatically increased year. The objective is to provide additional coverage to policyholders to counter rising medical inflation, which is very high in metro cities, averaging 15-18% yearly. 

Thereby, it provides added financial protection specifically to ACKO members in cities to meet steeper medical costs resulting from high urban healthcare inflation annually.

ACKO uses technology to make the entire claim process smooth. You can easily start the reimbursement via our user-friendly mobile app by uploading basic documents without tedious paperwork.

For hospitalisation, if admitted to one of ACKO's network hospitals in Patna, your medical bills get directly settled between the provider and ACKO through the cashless facility. This saves you from paying large deposits.

As Patna grows with more job opportunities, having mindful health coverage is key for families to secure themselves financially against medical contingencies. When choosing a policy, assess aspects like sufficient sum insured, cashless access, and transparent claim processes.

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. Feel free to reach out to us at [email protected] for any queries