Buy Health Insurance for a 45-Year-Old Starting @₹20/Day*

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Life is a journey that is full of unpredictable circumstances. Besides, when you are over 40 years old, the chances of the advent of insecurities may get higher. Therefore, during such times, when you have your family members, including your growing children, dependent on you, it becomes crucial to take appropriate precautions to secure the future ahead.

You can do that by opting for a health insurance plan today. This is because health insurance can act as a saviour during any issues related to your health, ensuring a risk-free life with an appropriate backup.

So read on to learn more about why opting for health insurance for 45 years is important, what are its requirements and other related details.

Why you need Health Insurance at 45?

When you are above 40 years old, you may start noticing a few health issues that are common as a result of your old age. Also, the medical inflation rate has been observed to be increasing at a high rate within Asian countries, with India having the highest medical inflation rate in the last few years, after the onset of the global pandemic COVID-19.

Considering the rate dropped a bit to 9.6% in 2022, it again increased to 11% within just one year. Nevertheless, ACKO’s health insurance comes in different plans, matching the preferences of our clients, since the premium amount will be based on your age, as compared to the costs of other Medicare for 45-year-olds in the country. Purchasing ACKO’s health insurance plan will lead you to the lowest premium possible.

Is Buying Health Insurance in Your 45s Actually Helpful?

Read the benefits stated below to learn how buying health insurance as a 45-year-old is helpful:

Even though, as a 45-year-old individual, your health issues would be less than someone older. So, the premium you need to pay against your insurance is less since the premiums would be based on your age.
You can even enjoy some tax benefits, through which you can claim the premium amount to deduct it from your total taxable income under Section 80D of the Income Tax Act.
As a 45-year-old, you can also consider opting for a family health insurance plan, through which your spouse, children and ageing parents can also be financially covered for medical emergencies.

Health Insurance Costs for 50-year-olds: How much to cover yourself and family?

Health insurance offers financial assistance to policyholders when they incur a covered medical expense. Policyholders can utilise the advantages of health insurance by paying premium amounts at regular intervals or opting for plans with lifetime renewability. Furthermore, the insurance company covers up to the sum insured limit, the maximum claim limit the policyholder has chosen.

Moreover, when opting for a health insurance policy, you must invest in a high-coverage plan, as it covers the cost of expensive medical treatments. It also ensures they are more integrated and detailed than regular health insurance plans. As you or your parents are nearing the age of 50 years, it is crucial to opt for a high-coverage health insurance policy, as it will offer coverage for maximum diseases related to age.

Hence, ACKO is a perfect choice when it comes to health insurance, as it offers insurance at affordable prices and maximum coverage. It also ensures there are zero copayment charges and deductions when claiming insurance.

Here are the three health insurance plans ACKO provides

ACKO Standard Health Plan

It is an insurance policy that offers a substantial sum insured to ensure adequate financial coverage during medical emergencies. It covers an extensive range of medical expenses such as hospitalisation, post-birth complications, daycare treatments, ambulance trips, etc.

ACKO Platinum Health Plan

It is a health insurance policy protecting you from unforeseen medical expenses that can be a financial burden in your 50s. ACKO Platinum Health Plan features a zero waiting period and covers an extensive range of medical expenses, such as OPD, medicines, etc., apart from hospitalisation and daycare expenses.

ACKO Platinum Super Top-up Health Plan

A Super Top-up Health Plan of ACKO ensures the insured will receive extraordinary benefits arising over and above the selected deductible limit. For instance, you have a base health insurance of Rs. 10 lakhs and opt for a Super Top-up of Rs. 15 lakhs. If your hospital bill is Rs. 15 lakhs, the base will cover RS. 10 lakhs, and the Super Top-up will cover the remaining Rs. 5 lakhs.

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 you should check is how much you need to pay every month as premiums along with the total sum insured as per your health insurance plan. You should create a realistic budget before purchasing a plan, to ensure you are adequately covered.

Claim Process

Claiming process is another significant issue to consider. You need to check if your health insurance provider has an easy interface on the website or their mobile application. This is because the claiming process should be convenient and devoid of any unnecessary complexities so that it is easier for you to claim the sum insured during any medical emergencies.

Waiting Period

The waiting period refers to the time when you cannot claim your sum insured. It is quite obvious that it should be less. Please note that it can even stretch to 4 years depending on the insurance plan and insurance provider, however, make sure to check it before purchasing one.

Coverage

You must not forget to check the total coverage you would get from your chosen healthcare plan. You should ensure you get coverage for the new age treatments along with pre and post-hospitalization. Also, make sure to aim for coverage of specific illnesses or diseases as well.

Add on Covers

With add-on options, you can also maximise your health insurance 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 45-year-old is a must considering the risks associated with life, hence you must aim for insurance providers whom you can rely on. There can be several benefits to buying a health insurance plan from ACKO. Some of these include the following:

ACKO offers different types of health insurance plans including a standard and platinum health plan, to suit the varied preferences.
ACKO health Plans offer to pay 100% of your medical costs for approved claims, while other insurance providers may pay up to 85%.
ACKO’s Platinum health insurance plans also offer to cover specified illnesses along with pre-existing diseases.
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	Family Physician	Zero Waiting Period	Domiciliary Treatment	Daily Hospital Cash Policy

Wrapping It Up!

To conclude, once you reach 45, you cannot miss out on considering your health issues seriously. Therefore, opting for health insurance for 45 years can be a smart step towards securing yourself financially during any health crisis. So make sure to opt for the right health insurance plan to start your healthcare journey with ACKO today.

Frequently asked questions(FAQs)

The following are the commonly asked questions regarding health insurance for 45-year-olds:

Which insurance is best for a 45-year-old?

The platinum health insurance plan can be the best option for a 40-year-old. It comes with an easy claim process and other related benefits.

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

Even though there is no specific age bracket for purchasing a health insurance plan. However, when you are in your mid-40s, you must go for health insurance since with your growing age, the number of health issues may also increase during this phase.

Is 5 lakh enough for health insurance?

At 45, most people have at least 3-4 dependent family members that may require medical attention for various reasons. Thus, a 5-lakh-health-plan may not be enough. Consider opting for a higher coverage of at least Rs. 25 lakhs at this age to get comprehensive health coverage.

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.