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Health Insurance for a Single Parent
Securing your loved one’s health against rising medical expenses is now easy! Get comprehensive health insurance for a Single Parent starting @Rs. 21/per day*
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Due to inflation across daily essentials, single parenting comes with added financial burdens for homemakers. Managing household budgets without partner earnings is further strained if healthcare needs arise - right from flu treatments to critical illnesses.
This is where health insurance plays a key role in easing monetary worries during testing times. This is where ACKO steps in to offer pocket-friendly plans covering hospital stays alongside daycare procedures to help with medical expenses.
The need for health insurance for a single-parent
Single parents shoulder many responsibilities, including caring for the children and looking after their daily needs. Here, a tailored health plan can help cope with rising medical expenses without worrying about finances. Additionally, under Health Insurance plan, you can also avail yourself of tax savings of up to Rs. 25,000 under Section 80D based on your chosen coverage.
Which is the ideal plan for covering a single parent under health insurance?
There are several types of health insurance plans available in India
Family Health Insurance
Family Health Insurance Covers the entire family (self, spouse, dependent children, parents) under a single policy. The sum insured can be shared among all members.
Critical Illness Insurance
Critical Illness Insurance Provides a lump sum payout on diagnosis of specified critical illnesses like cancer, heart attack, kidney failure, etc. The payout can be used for treatment, recovery, and income replacement
Senior Citizen Health Insurance
Senior Citizen Health Insurance Designed for individuals aged 60 years and above. Provides coverage for age-related ailments and medical conditions.
Super Top-up Health Insurance
Super Top-up Health Insurance Provides additional coverage over an existing health insurance policy. Comes into effect once the sum insured if the base policy is exhausted
For a single parent, A Family Health Insurance plan is often the most suitable option. It allows covering yourself and your dependent children under a single policy. If any family member gets hospitalised, they can use the coverage. This is more cost-effective than buying separate policies for each insured member.
Also read: Health Insurance For Parents
What benefits do I get for choosing ACKO?
ACKO Platinum Plans
Our most comprehensive plan with unmatched benefits:
Full claim settlements without room/treatment restrictions unlike others.
Instant coverage for existing illnesses without waiting periods. Critical for long-term conditions.
Flexibility to restore the entire sum insured in a year. Increases usable cover.
Zero deductions on claims. No waiting period.
ACKO Standard Health Plan
Balances protection affordably through:
Extensive network across India for easy cashless access and claims.
Broader inpatient and day care cover than most, including modern treatments.
Optional critical illness cover enhances safety nets at a low additional cost.
Zero deductions on claims.
ACKO Platinum Super Top-up
Intelligently boosts existing policies via:
Get all the benefits of ACKO Platinum Health Plan.
Acts as an independent policy, unlike regular top-ups.
Zero deductions on claims. No waiting period.
ACKO health insurance plans are very special because we focus on making things simple for customers. With our plans, you don't even need to fill out any forms when filing a claim. All claims are paid directly to hospitals immediately without any physical paperwork.
Premiums for ACKO family floater plans start at around Rs.150 per month, making them highly affordable. The right option depends on your family's medical history, specific healthcare needs, and budget. It's advisable to compare the coverage and benefits in detail before choosing a plan.
| Enhance your health insurance by exploring these unique benefits | ||||
How much sum assured in health insurance is needed for a single parent?
Here are some tips to select your ideal sum insured under health insurance.
Estimate annual medical expenses separately for yourself and your child based on medical histories and expected costs.
Start with a minimum of Rs.10-20 lakhs for basic protection against rising costs. Choose a higher sum insured of Rs. 50 lakhs if located in a metro city.
Opting for a long-term sum of Rs. 50 lakhs or 1 crore fully ensures your needs throughout life without increasing premiums later.
Calculate the total estimated budget and add a buffer.
How much do I have to pay to buy my ideal sum insured?
The ideal sum insured and premium for a health insurance policy vary based on factors like the number and age of family members, medical history, city of residence, and chosen benefits.
For example:
For a single parent aged 35 years and a child aged 5 years, a sum insured of ₹10-15 lakhs for a family floater plan would be ideal. This ensures adequate coverage for the family's healthcare needs.
Indicative premium for a ₹10 lakh sum insured policy may be around ₹10,038 (around ₹686 per month). As per new rules, the GST of 18% on health plans will not be applicable from 22nd September 2025. This has made health insurance more affordable.
Note: The premiums mentioned above are indicative and may vary based on specific details and underwriting guidelines.
While a higher sum insured means a higher premium, it's a small price to pay for the financial security and access to quality healthcare it provides. It's advisable to review your health insurance coverage every few years and top-up if needed to keep pace with rising costs and changing needs.
Use the health insurance premium calculator to know your premium instantly.
| check out how much sum insured is needed based on your profession | ||||
Factors to consider while getting Health Insurance for a single parent
Here are the factors to consider when buying health insurance.
Medical Conditions: Provide full disclosure of any illnesses/diseases to ensure accurate premiums based on your family's health risks. This is important for claim settlement later on.
Sum Insured: Thoroughly evaluate your current and expected future medical costs, such as regular checkups, potential hospitalisations, etc., to determine an adequate coverage amount as a single-earning household.
Coverage Scope: Carefully examine the inclusions stated, such as room rent, surgery charges, ambulance, OPD treatments, etc., to ensure these necessary medical expenses are covered.
Waiting Periods: Familiarise yourself well in advance about any stipulated periods before which claims cannot be filed for pre-existing ailments to avoid future limitations during illness/health care emergencies.
Exclusions: Be fully aware of permanent non-clinical procedures left out of coverage to prevent unwanted claim denials later on technical grounds.
Which type of claim is better? Cashless or reimbursement claim?
When it comes to health insurance claims, there are two types - cashless and reimbursement. Let's understand each of these in detail:
Cashless Claim
In a cashless claim, the insurer settles the bill directly with the hospital.
With ACKO health plans, you get the full claim amount.
Cashless facilities are available only at network hospitals with a tie-up with your insurer.
You need to inform the insurer about the hospitalisation and get pre-authorization for cashless treatment.
Reimbursement Claim
In a reimbursement claim, you pay the hospital bills out of your own pocket.
You then submit the bills and required documents to the insurer for reimbursement.
Reimbursement can be claimed for treatment at any hospital, even those outside the insurer's network.
The insurer will review the claim and reimburse the eligible expenses as per policy terms.
Advantages of cashless claims
While both types of claims have their advantages, cashless claims are often more convenient and beneficial, especially in case of planned hospitalisation or emergencies:
Financial convenience: With cashless claims, you don't have to arrange for funds to pay the hospital upfront. This is especially helpful if you don't have access to immediate cash or are following a tight monthly budget. The insurer directly settles the bill, reducing your financial burden.
Immediate treatment: In case of emergencies, getting immediate medical attention is crucial. With a cashless claim, you can get admitted and start treatment without delay, as you don't have to worry about payment. This can be life-saving in critical situations.
Smoother process: Cashless claims are usually smoother as the insurer and hospital coordinate directly for approval and settlement. In reimbursement, you must go through the process of submitting documents and following up for payment.
However, cashless claims can be made seamless only at network hospitals. So, choosing an insurer with a wide hospital network is important, especially in your locality. If you are travelling or prefer a specific non-network hospital, reimbursement may be your only option.
Why is raising claims easier with ACKO policies?
The user-friendly ACKO app allows policy purchases, claim submissions, and renewals to be made easily and rapidly on one platform without hassles. Claims get settled faster as approval processes are system-driven as per rules instead of manual scrutiny, enabling speed. Here are more details.
Paperless process
We have digitised the claims process. You can intimate a claim, submit documents, and track its status online without any physical paperwork. This saves time and effort.
Fast approval
ACKO uses technology to automate and speed up claim approval. Cashless claims are usually approved within a few hours if all documents are in order. Reimbursement claims are also processed faster compared to traditional insurers.
Transparency
With ACKO, you can track your claim status in real time through the app or website. You are kept informed at each stage through updates and notifications. If any additional information is needed, you are promptly informed.
Digital assistance
If you have any doubts or need assistance, ACKO's digital assistant is available 24/7 to help you. You can also reach out to their customer care team through chat, email, or phone to quickly resolve queries.
Wrapping it up!
Managing a home and children alone has challenges. Good health plans reduce this tension for single parents. ACKO policy with large coverage pays the big hospital bills in case of emergencies. Parents need not drain savings then. Health insurance backup makes handling responsibilities more smooth.
Frequently Asked Questions (FAQs)
Here are some common questions about Health Insurance for Single Parent
Can I add my parents to my health insurance policy as a single parent?
Yes, ACKO Health plans are family floater plans where you can include your parents and children under the policy.
What is a deductible in health insurance?
A deductible is the amount you must pay out of your pocket before the insurance company starts paying for your medical expenses.
What is a copayment in health insurance?
A copayment is a fixed amount for certain medical services, even after you've met your deductible. For example, you may have to pay a co-payment of Rs. 500 for every doctor's visit.
What is the difference between inpatient and outpatient treatment?
Inpatient treatment refers to hospitalisation, where the patient is admitted for at least 24 hours. Outpatient treatment refers to medical care that does not require hospitalisation, such as doctor's visits or diagnostic tests.
What is a critical illness rider?
A critical illness rider is an add-on cover that provides a lump sum payment if you are diagnosed with a critical illness, such as cancer, heart attack, or stroke.
Secure Your Future with Term Life Insurance
A 1 crore term insurance policy is one of the best options considering the rising living costs. It provides extensive coverage at affordable rates, thereby easily giving significant financial security to your family. A well-thought-out term insurance plan can help you navigate tax relief, as premiums are eligible for tax deductions.
Whether securing your family's future or gaining tax benefits, life insurance provides a robust means of managing both. Remember, a reliable life insurance calculator can help you find the right coverage and premiums that are well-aligned with your financial goals and budget.
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. Please visit our support centre at https://www.acko.com/contact-us/ for any assistance.
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Roocha Kanade
Content Architect
Health Insurance content enthusiast who turns complex topics into easy, binge-worthy reads—fueled by SEO, creativity, and way too much chai! Loves juggling multiple projects, cracking impossible deadlines, and sprinkling humor into the mix. When not geeking out over digital trends, you'll find her lurking on Quora and Reddit, planning the next getaway, or passionately decoding all things health and insurance!
Dr Nitin Kumar Gupta
SVP – Health Underwriting & Claims at Acko General Insurance
SVP – Health Underwriting & Claims at Acko General Insurance — With 20+ years of experience driving digital transformation and profitable growth, I am a seasoned Senior Insurance Executive specialising in Health, Life, Accident, and Disability insurance. Backed by an MBBS degree and advanced insurance designations (FLMI, FALU, FLHC, ACS, ARA), I bring a unique blend of medical expertise and deep insurance-domain leadership. My core strength lies in optimising underwriting and claims operations, enabling automation-led scalability for both large insurers and digital-first startups.
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