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Most people at the age of 30 are financially stable. Hence, they can now turn their attention to the long-term goals of life that would benefit them and their family in the most significant way. Opting for health insurance for 30 years is one such important issue you must consider.

Read ahead to learn more about how you can secure yourself and your family financially to combat medical emergencies in the long term.

Why you need Health Insurance at 30?

Since the global pandemic called COVID-19 has impacted the world, the medical inflation rate has been observed to be increasing at a high rate within Asian countries. It has also been observed in 2021 that India has the highest medical inflation rate of 14%.

As compared to the costs of other Medicare for 30-year-olds in the country, ACKO’s health insurance lets you enjoy cheap health insurance for 30-year-olds since its premium amount will be based on your age.

Is Buying Health Insurance Early Actually Helpful?

There can be several benefits to opting for Health Insurance at an early age. Some of them are listed below:

There are chances to face fewer health issues at an early age as compared to an older age. So when the health issues are lower as a 30-year-old, it will automatically benefit you to avail a lower premium amount.
You can be financially protected during any major accidents or even genetic diseases through your health insurance.
You can also opt for a Family Health Insurance plan, where your spouse, children and ageing parents can also be financially covered for medical emergencies.
You can even enjoy some tax benefits under Section 80D of the Income Tax Act

Health Insurance Costs for 30-year-olds: How much to cover yourself and family?

There are several factors based on which the premium amount for your health insurance is set, including your age. Hence, as a 30-year-old when you have a secure job and lifestyle, you can easily afford to pay the premiums.

Besides, the tax benefits and family health insurance plans can also let you save a considerable amount from your total income. However, it can be an even smarter step if you can invest in higher health coverage, that can act as financial protection for a longer time.

Key Factors to Consider While Getting a Health Insurance Scheme

There can be quite a few points to consider before opting for a health insurance scheme, which include the following:

Premium and Sum Insured

The most significant factor to confirm the total sum insured you would get and how much you need to pay every month as premiums. You must ensure to create a realistic budget and choose a plan that perfectly aligns with it while purchasing one.

Coverage

Another factor to check is the coverage you will be getting from your insurance plan. You must ensure you get coverage for the new age treatments along with pre and post-hospitalization. It would be even better if you could get coverage for specific illnesses or diseases.

Claim Process

It is always preferable if you get an easy interface on the website or the mobile application of your health insurance provider. Its claiming process should be convenient and hassle-free so that you can easily claim the sum insured during any medical emergencies without any unnecessary delays.

Waiting Period

The waiting period is the time when you cannot claim your sum insured. You must ensure it is less. Even though it can even stretch to 4 years depending on the insurance plan and insurance provider, you must make sure to check it before purchasing one.

Add on Covers

You can benefit by maximising your health insurance coverage through add-on options, which refer to extra coverage. So you can check if the health insurance provider offers such add-ons and what additional premiums you need to pay for the same.

What Benefits Do I Get for Choosing ACKO?

The need for health insurance for a 30-year-old is a crucial concern, hence you must look out for added benefits. There can be several benefits to opting for a health insurance plan from ACKO. Some of these include the following:

ACKO’s standard healthcare plan offers to pay 100% of your medical costs whereas other insurance providers can pay up to 85%. Hence it acts as a financial shield for you during medical emergencies.
With the ACKO Platinum health insurance plan, there would be no waiting periods initially that you have to face in case of others available in the market. Besides, through the plan, you can get Rs. 1 Crore and Unlimited sum insured with cashless hospitalisation in around 14,300+ hospitals in India.
There will be no fixed copay or hospital room rent limit if you purchase a health insurance plan from ACKO.
With the ACKO Platinum Super Top-up Health plan, you can opt for a high sum insured, along with effective add-on coverage for critical illnesses and ambulance trips at affordable premiums.

Enhance your health insurance by exploring these unique benefits
OPD Cover	Daily Hospital Cash Policy	Road Ambulance Limit	Unlimited Sum Insured	Zero Waiting Period

Why is Raising Claims Easier with ACKO Policies?

There can be various reasons why raising claims is easier with ACKO policies. Some of them have been listed below:

As compared to other insurance providers available in the market, ACKO's healthcare policies can help you benefit from several offers including lower premiums.
ACKO has a personalised mobile application with a very easy interface that lets you have access to your accounts conveniently.

Wrapping It Up!

Opting for health insurance is one of the most important steps you can take to financially secure your family when you are 30. It will not only provide your family with peace and stability but allow you to face health issues without any stress or anxiety. So make sure to visit the official website of ACKO and start your journey of health insurance for 30 years today.

Frequently asked questions(FAQs)

The following are the commonly asked questions regarding health insurance for 30-year-olds:

Which insurance is best for a 30-year-old?

The standard health insurance plan can be the best option for a 30-year-old. It comes with an affordable premium option and other related benefits.

What is the best age to buy health insurance in India?

It is always best to opt for a health insurance plan at an early age. Once you start earning, you must understand the current medical inflation and get into healthcare policies for yourself and your family to financially secure your future.

Is it better to apply online for health insurance?

Even though there is no strict rule for applying for a health insurance plan. However, once you know how to apply for health insurance, you can opt for a health insurance plan based on your preferences and budget to an online platform like ACKO, having an easy interface to make the process easy and smooth.

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.