Health Insurance in Lucknow

Lucknow is a city with old historic charm with a booming IT infrastructure and industries. The city's thriving economy has led to the development of a robust medical infrastructure, with numerous hospitals, clinics, and healthcare facilities catering to the needs of its residents. The presence of world-class medical institutions like King George's Medical University and the Sanjay Gandhi Postgraduate Institute of Medical Sciences has further enhanced Lucknow's reputation as a centre for quality healthcare.

However, despite the availability of excellent medical facilities, the cost of healthcare can be a significant burden for many residents of Lucknow. This is where health insurance in Lucknow plays a crucial role in protecting the financial well-being of its residents.

ACKO offers 3 key plans - Standard for essential cover, Platinum for comprehensive protection, and Super Top-up as an extra backup.

Today, prices of daily essentials like vegetables, rent, and fuel are rising rapidly in Lucknow. Similarly, costs of medical treatments, medicines, and hospital charges have also increased. Hence, having a good health insurance policy has become important for households in Lucknow now. ACKO provides affordable health insurance plans with cashless claim facilities and other benefits that can ease the financial burden during medical emergencies.

Given the expanding healthcare infrastructure in Lucknow, having sufficient health coverage is advisable. Many multi-specialty hospitals now offer advanced medical treatments and diagnostics services.

For instance, on average, certain planned surgeries can cost nearly Rs 3-5 lakhs at reputed hospitals. Even lab tests have become more expensive. 

As a prudent measure, larger sum insured options make better financial sense. In the majority of cases, residents of Lucknow can choose Rs. 10 lakh sum insured for themselves and Rs. 25 lakhs for family floater plans. Considering inflation and increasing treatment costs, it is even better to go for a higher sum insured, like Rs. 50 lakhs or Rs. 1 crore.

While premiums slightly are higher for large covers, they provide enhanced financial security for you and your family. This allows availing the best treatments at good hospitals worry-free.

Investing in more comprehensive health plans with higher coverage makes good financial sense in Lucknow, too, given the rising healthcare costs.

For instance, a features-rich family floater plan from ACKO with Rs. 10 lakh sum insured covering hospitalisation, daycare procedures, etc. may cost approximately Rs. 15,000 to Rs. 20,000 annually depending upon the number of family members insured. Note that the difference in the premium for higher sum insured options is nominal.

Do note that factors like age, pre-existing conditions, and family size impact pricing.

You get benefits like zero deductions on claims, higher sum insured, and cashless treatment benefits for buying ACKO Personal Health Plans. Here are more features and benefits of our health insurance policies in Lucknow.

Our top plan has great features:

Our regular plan balances coverage and affordability:

The wise way to enhance existing insurance:

ACKO's health insurance stands apart from other market offerings due to unprecedented features like zero deductions on claims, waivers on waiting periods for pre-existing illnesses enabling claims from day one, etc. Thereby providing unmatched coverage coupled with exceptional flexibility and transparency that no other player offers today.

Inflation Protect Sum Insured is a unique feature offered by ACKO under its health insurance plans. It automatically increases your sum insured by a fixed percentage every year in order to counter rising medical inflation.

It is useful for policyholders living in Lucknow, where inflation for hospital expenses, treatments and medicines is abrupt. The costs of healthcare keep increasing much faster than overall inflation. In such a case, ACKO's Inflation Protect Sum Insured will hike your existing health policy's sum insured to help bridge this inflation gap. 

Thereby, it provides much-needed financial aid to customers in Lucknow to meet increasing medical bills arising from exceptionally high urban medical inflation annually.

The process of claiming health insurance often involves a lot of paperwork and delays. ACKO uses technology to make this process very smooth for customers. We have a user-friendly mobile app that allows you to submit claims quickly without physical paperwork.

When choosing a health insurance policy in Lucknow, consider factors such as adequate coverage, a reliable claim settlement record, and value-added features for an informed decision. Opt for insurers known for transparency in pricing and processes, coupled with value-added services.

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.