Health Insurance Plans in Hyderabad take care of the hospital bills and help you focus better on recovery. Hyderabad is recognised as India’s ‘Information Technology Capital’ and has rich cultural relevance. However, its rate of urbanisation and changing lifestyles pose different health risks to its population. This makes health insurance not only a luxury but a necessity for the population; it provides financial cover for medical treatments.
Plans start at just ₹21/day*.
We pay 100% of your hospital bills
From syringes to surgeries
No limit on hospital room rent
No compromises on recovery
Here is a list of reasons why you need health insurance in Hyderabad.
ICU charges in Hyderabad can go up to ₹40,000 to ₹1 lakh or more per day. If patients have health insurance policies in Hyderabad then they can avail these high-tech medical services without worrying about paying the entire hospital bill.
Here is a list of common health issues in Hyderabad as per a report from the Times of India.
A common condition that has been associated with stress and lifestyle habits. With about 24% to 40% of the population suffering from this condition the cases of hypertension are rising by the day in Hyderabad. Especially after the pandemic. Hyderabad will soon become the hypertension capital of India if this trend continues.
India being the Diabetes capital of the world, patients all over the country are suffering from it, even in Hyderabad. It is so prevalent that around 33% of the population in the city suffers from Diabetes. It is seen that men are more prone to Diabetes than women in Hyderabad.
These may occur due to poor eating habits, smoking, and a sedentary lifestyle. It is common in people aged between 40 to 60 years. In Hyderabad, around 5% of people in this age group have Coronary Artery Diseases.
Hyderabad leads the country in breast cancer prevalence, with an age‑adjusted rate of 48 per 100,000 women. Oral cancer is the second most common type of cancer in this city. Common causes include urbanization, obesity, environmental pollution, etc.
Dengue cases are mostly observed during the monsoon season, however the year 2024 saw a sudden increase in the number of Dengue cases in Hyderabad. The health department in Hyderabad suggests that the rise in dengue cases is linked to urbanization and inadequate drainage systems.
Worsened by growing episodes of air pollution and industrial emissions, respiratory issues have a 20% prevalence in Hyderabad. The year 2024 saw an increase in these cases in the city.
Modern life in urban cities, with a lack of exercise and unhealthy diets lead to obesity. This health issue has a 18% prevalence in Hyderabad.
This results from a lack of good nutrition and the presence of microorganisms in foods or water consumed. This health issue has a 15% prevalence in Hyderabad.
Some causes are associated with pollution and poor water quality in some parts of the city. This health issue has a 12% prevalence in Hyderabad.
Primarily affecting lower-income groups in densely populated areas. This health issue has a 8% prevalence in Hyderabad.
Here are some health-related statistics in Hyderabad.
Source: NITI Aayog
If you live in Hyderabad, having a comprehensive health insurance policy is not just a good idea. It’s a necessity. With the rising cost of healthcare and the increasing prevalence of chronic diseases, it’s important to choose a plan that adequately covers your medical expenses.
As a general rule, your sum insured should be at least 50 percent of your annual income. More importantly, it should be enough to cover the treatment costs of chronic conditions like diabetes, hypertension or cancer, which are becoming increasingly common in the city.
Given that medical care in Hyderabad can be expensive, here’s a quick guide to help you decide how much coverage you might need.
A coverage of ₹10 Lakhs can be sufficient for an all round financial protection for an individual.
Considering the health insurance needs of a family consisting of self, spouse, two children, and parents a coverage of ₹50 lakh to ₹1 crore can be useful.
A separate senior citizen health insurance plan can have a coverage of ₹25 lakhs. This could be sufficient to handle the needs of older adults.
Non-Resident Indians (NRIs) born in Hyderabad can also buy mediclaim from Indian health insurance companies. These plans can help cover medical expenses incurred during visits to the home country. If an NRI plans to return to Hyderabad in the future, they can continue with the same policy.
NRIs can also buy health insurance for their parents living in Hyderabad. This ensures financial support during medical emergencies and provides peace of mind that the parents are financially protected back home.
Additionally, NRIs may be eligible for a refund on the GST paid while buying a mediclaim policy in India, offering an extra layer of financial benefit.
Not quite. The Telangana Government’s Aarogyasri Scheme aims to offer quality healthcare to families living below the poverty line. While it provides financial support, the scheme does not offer sufficient coverage for the rising medical expenses in Hyderabad, especially in private hospitals or for lifestyle-related and chronic conditions.
The table below lists some key limitations of the Aarogyasri Scheme and why it may fall short in meeting the healthcare needs of many residents in Hyderabad.
| Category | Aarogyasri Scheme | Private Health Insurance |
| Coverages | Cashless treatment for specific diseases that require hospitalisation, therapies, or surgeries. | Broader range of diseases, surgeries, medical procedures, and therapies. |
| Sum insured | Fixed sum insured of ₹10 lakh per family per year. | From ₹5 lakhs to an Unlimited sum insured |
| Medical treatments | Covers 1,672 treatments across 21 medical specialities, including follow-ups and diagnostics. | Depends on the terms and conditions of the insurance company. Usually, all medically necessary treatments are covered unless it is for injuries from breaking the law, war, or self harm. |
| Extra benefits | Limited OPD and pre-post hospitalisation coverage. | Coverage for OPD, daycare procedures, ambulance charges, pre and post-hospitalisation, wellness services, and more is included. |
| Who is eligible? | Only available to Below Poverty Line (BPL) families listed in the Civil Supplies Department database. | Available to anyone based on age, health status, and insurer's underwriting norms. |
Here are some basic wellness tips for the residents of Hyderabad.
Buying online health insurance in Hyderabad has the following advantages:
| Reason | Explanation |
| Convenience | Purchasing a health insurance policy could seem time-consuming, but online health insurance in Hyderabad can be done from the comfort of your home within minutes. |
| Easy Comparison | Online platforms allow you to easily compare multiple policies from different insurers in Hyderabad, helping you find the best coverage at the most affordable premiums. |
| Instant Policy Issuance | After selecting the right plan, online health insurance policies can be issued in the shortest possible time, shorter than the traditional time-consuming paperwork. |
| Cost-Effective | You will find cheap health insurance policies online because there are no middlemen, lowering your costs. |
| Transparent Information | Policy information, including coverage, terms, and conditions, is easy to get, which helps avoid confusion. |
| Customisation Options | Depending on your medical needs in Hyderabad, you can select policy add-ons or exclusions that you require for the policy. |
| Paperless Process | The entire process, from purchase to claims, can be completed online, ensuring a completely paperless experience which is both eco-friendly and efficient. |
| Access to Support | Many online platforms offer 24/7 customer support, making it easy to resolve any queries or concerns during the purchase or claims process. |
| No Hidden Charges | Online health insurance policies have no hidden costs- what you see is what you get, and you pay for exactly what you want. |
| Simple Renewal Process | Renewing health insurance online is relatively easy regarding formalities, as most insurance companies and associations issue minimal documentation and provide a user-friendly online portal for fast policy renewal. |
Here’s everything you need to know if you want the best medical insurance in Hyderabad. ACKO’s ₹1 Cr plan is a cut above the rest. Here is a table listing the features.
| Key features | ACKO advantage |
| Daycare treatment | Up to Rs. 1 crore |
| Post-hospitalisation | 120 days |
| Pre-hospitalisation | 60 days |
| Waiting period | Nil |
| Room rent | Up to Rs. 1 crore (any hospital room of your choice) |
| AYUSH treatment | Up to Rs. 1 crore |
| Co-payment | 0% |
| Deductions at claim | Nil |
| COVID-19 treatment | Up to Rs. 1 crore |
| Intensive Care Unit (ICU) charges | Up to Rs. 1 crore |
| Critical Illness Cover | Included in the same plan |
| Ambulance charges | Up to Rs. 1 crore |
| Preventive health checkup | Every year for insured members above the age of 18 years |
| Inflation protect | 10% increase of sum insured per annum (terms and conditions apply) |
| Network hospitals | 10,500+ hospitals |
| Teleconsultations | Up to Rs. 1 crore |
If you buy ACKO’s Health Insurance Plan with a 1 Crore sum insured, here are the coverages you can benefit from:
✅Covers medically necessary hospitalisation: Most health insurance plans cover only specific medical expenses. ACKO’s plan, on the other hand, covers medically necessary hospitalisation expenses. All you have to do is submit your medical history at the time of policy purchase.
✅Broad coverage: Our coverage doesn’t end with hospitalisation expenses; it further extends to expenses incurred before and after availing a treatment. We cover post-hospitalisation expenses for up to 120 days and pre-hospitalisation expenses for up to 60 days.
✅Daycare procedures: These procedures are treatments usually completed within a day. Examples include cataract operation, ligament tear surgery, lithotripsy, etc.
✅Transportation during a medical emergency: During a medical emergency, if you are in a locality where there are inadequate medical facilities, we will cover your transportation to a well-equipped healthcare centre. Coverage includes modes of transport like train, ambulance, commercial and medically-equipped flights.
✅Ambulance bill: Health plans usually don’t cover transportation from your home to the hospital. However, ACKO’s plan covers this back-and-forth transportation of the insured up to the sum insured limit.
❌Unrevealed health conditions: If you do not reveal a health condition while buying the policy and raise a claim for the same, coverage will not be granted.
❌Eyesight correction treatment: Operation for eyesight correction below 7.5 dioptres is not covered.
❌Maternity-related expenses: Expenses related to child delivery and birth are not covered.
❌Sterilisation and infertility procedures: ACKO’s Health Plan does not cover treatments for sterilisation and infertility.
❌ Gender-altering operations: This policy does not cover procedures for changing one’s gender.
❌Weight-loss treatments: We only cover medically prescribed weight-loss procedures.
❌Dental and cosmetic treatments: Our plan only covers dental and cosmetic treatments prescribed for accidental injuries. Other scenarios are not covered.
❌Suicide attempt: All medical costs resulting from attempted suicide are not covered under this health policy.
❌Hormonal treatments and supplements: Our health plan does not cover hormonal treatments and supplements.
Note: The above-mentioned points are purely informational. Kindly review the policy wordings of ACKO’s Rs. 1 Crore plan to know all its inclusions and exclusions.
Network hospitals are medical centres that have a tie-up with your insurer. So, if you get treated there, your insurer will pay the hospital directly, per the policy terms. The following are some of our prominent cashless network hospitals in Hyderabad.
Click here to find network hospitals near you.
Whether you are a first-time buyer or going for policy renewal, follow the below-listed tips to find the best health insurance in Hyderabad:
If you assess your health requirements and list the potential medical costs, you will be better positioned to choose a suitable policy.
As previously mentioned, online health insurance is way more cost-effective and convenient than offline. So, it’s beneficial to buy health insurance online.
Based on your budget, choose a health plan that offers coverage for a broad range of medical scenarios. That way, you may be less stressed during a medical emergency.
Before buying a medical policy, review its terms and conditions. That way, you will come to know the inclusions and exclusions. Choose a policy with a good range of inclusions and fewer exclusions.
When purchasing a health policy, ensure that the insurer has tie-ups with a good number of quality hospitals in Hyderabad. Especially, check if the network hospitals are near your residence to rush to in a medical emergency.
Some health plans come with a deductible or copayment clause and are usually lower in cost than regular plans. However, at the time of claim, you must bear a portion of the medical costs yourself. That is why buying a plan that offers complete coverage is better.
Usually, health insurance policies have a waiting period for pre-existing health conditions. This period usually spans for 2 to 3 years. So, choose a health plan that has little or no waiting period. ACKO’s ₹1 Cr Plan has no waiting period for pre-existing diseases.
These are the different kinds of health plans in Hyderabad city. Note that these are subject to availability:
In Hyderabad, with rising health risks and increasing healthcare costs, health insurance is a must for safeguarding your well-being. By choosing the right health plan, you can protect yourself and your family from rising medical expenses, ensuring access to quality healthcare when needed most. Start securing your health today with ACKO’s easy, transparent, and cost-effective policies.
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 1800 266 2256 for any queries.
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Reviewed by Dr. Harshita Dahiya 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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