Health Insurance in Ghaziabad

Home to manufacturing, logistics, and IT/ITES companies, Ghaziabad attracts many working professionals. This large workforce may also need medical attention. Leading hospitals offer cutting-edge infrastructure, but costs are high. Having adequate health insurance unlocks access to quality treatment for residents if they, unfortunately, fall ill. It provides financial protection to avail advanced medical care without worrying about high costs during times of need. The right coverage aids healing, recovery, and well-being.

With job opportunities, migrants flow in. Falling ill without adequate coverage can lead to lakhs in hospital bills. Having insurance mitigates this surprise, allowing focus on getting better.

ACKO’s cashless policies reduce financial focus through direct settlement with hospitals. As costs rise, prudent families proactively purchase tailored insurance covers.

Given the developed medical infrastructure but high treatment costs in Ghaziabad, it is recommended to have a health insurance sum insured of at least Rs.10 lakhs per insured family member. 

However, to ensure comprehensive coverage, a sum insured equivalent to your annual family income or 50% of it would be ideal - for example, if your household earns Rs.15 lakhs annually, going for a Rs.15-20 lakhs sum insured would make sense. 

You can also factor in specific risks like heart conditions running in your family and opt for policies with higher coverage of Rs.50 lakhs since critical illness cover is essential.

Compared to the national averages, health insurance premiums in Ghaziabad and the NCR region are almost 25-40% higher for similar coverage - for instance, a Rs.10 lakh individual policy can cost Rs.8,500-11,000 yearly versus the India average of Rs.7,000-9,000. In contrast, a Rs.20 lakh family floater may cost over Rs.18,000 annually against the national average of Rs.15,000. 

However, despite the higher premiums, investing in more comprehensive plans like Rs 50 lakhs or even 1 crore sum insured makes strategic sense considering the rising lifestyle diseases, steep medical inflation of 8-15%, and the potential cost of treatments like cancer running over Rs.6 lakhs in NCR hospitals.

Our premier plan offers outstanding benefits:

Our basic plan balances coverage cost-effectively:

The smart way to boost existing medical cover:

Compared to other players, ACKO plans to provide more transparent, comprehensive, and innovative offerings tailored specifically for younger Indian consumers. The technology-first experience makes it easy, accessible, and stress-free.

ACKO's Inflation Protect Sum Insured automatically increases your sum insured every year to counter rising medical Inflation, which is very high at 15-20% annually. This ensures your coverage keeps pace with escalating hospital costs over the long term without the need to enhance it each year and undergo fresh medical tests manually. 

ACKO, a digital insurance company, leverages technology to simplify the process of raising claims for their customers. With the user-friendly app and website, policyholders can easily purchase insurance and submit claims without the need for cumbersome paperwork. Our direct partnerships with numerous hospitals enable swift verification of claims and direct payment to the medical facility, streamlining the entire process for the insured. Moreover, by operating entirely online, ACKO maintains lower costs, translating into more affordable premiums for its customers. 

Ghaziabad's expanding job opportunities make quality healthcare imperative. ACKO enables affordable access through cashless insurance that is fine-tuned to needs and budgets. Our direct claim settlements provide financial relief, letting families focus on healing.

Comprehensive plans unlock world-class treatments without residents worrying about money. So, now is the right time to invest in health security for long-term well-being. As Ghaziabad progresses, we progress too.

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