Health Insurance in Ranchi

Ranchi is called the 'City of Waterfalls' thanks to its striking landscape with gushing falls. It serves as the capital of Jharkhand state and is a bustling hub for industries like mining and engineering. As so many factories and plants operate in Ranchi, health insurance provides a safety cover for all the hardworking professionals living here. Having a comprehensive health plan is advisable for the residents of Ranchi.  

Here are some age-wise recommendations for buying health insurance in Ranchi.

Nowadays prices of everything are increasing - food, housing, transport. In the same way, hospital expenses are also growing very fast in Ranchi.

People here are working hard in industries like mining, manufacturing, etc. But an illness can suddenly bring high medical bills and cost lakhs of rupees.  That is why having a good health insurance plan has become necessary for all families staying in Ranchi. 

ACKO provides cashless mediclaim policies at affordable rates only. It also settles all cashless treatments directly with the hospital. So, people feel tension-free during health emergencies.

Ranchi has quality private hospitals where treatment costs can run quite high compared to other Tier-2 cities in Jharkhand. Having a minimum base health cover of Rs. 10 lakhs is wise to pay for hospital bills. However, for more extensive financial protection, choosing a sum insured matching your full annual household income makes better sense.

Another way is to choose a sum insured that is approximately double the amount of your annual income. For example, if your income is Rs. 10 Lakhs, then opt for a Rs. 25 Lakhs sum insured.

Therefore, having sufficient health insurance as per income level, medical claims history, and healthcare costs in Ranchi is vital to avoid out-of-pocket expenses. 

Investing in a higher coverage health insurance plan like ACKO's 1 Crore Super Top-up or Platinum Plans in Ranchi offers extensive protection against large medical bills and ensures financial security. 

The cost of ACKO's health insurance in Ranchi varies based on factors such as age, number of dependents, and the sum insured you choose. You can choose a higher sum insured or upgrade at nominal costs. For example, while buying health insurance at ACKO, you will notice that the difference in the cost of Rs. 25L and Rs. 50L sum insured plans is approximately Rs. 3000 to 5000. However, the coverage benefit is Rs. 25L.

ACKO offers three distinct health insurance plans, each designed to cater to different healthcare needs and preferences. These plans are differentiated by their coverage levels, benefits, and unique features, ensuring there's an option for every individual's requirements. Here's an overview of all three plans, highlighting their key features:

ACKO's health plans stand apart from other market offerings owing to their direct customer approach, eliminating commissions resulting in top-notch product propositions like zero deductions on claims translating into minimised out-of-pocket expenses and no waiting period for pre-existing illnesses under Platinum plans.

Inflation Protect Sum Insured is a unique feature offered by ACKO under its health insurance plans. It automatically increases your sum insured every policy year in order to counter rising medical inflation. This facility becomes very useful for policyholders living in Ranchi, where inflation for hospital services, treatments and medicines is steep every year. 

For instance, the cost of basic surgery, which may have been Rs. 2 lakhs earlier, could now cost Rs 4 lakhs due to rapid medical inflation in the healthcare sector.

In such a case, ACKO's Inflation Protect Sum Insured will hike your existing health plan's sum insured amount to help bridge this inflation gap.

Opting for the right insurer ensures transparency, efficiency, and good customer service - making the claims process smooth when you need it the most. This offers true peace of mind.

Responsible financial habits today involving adequate insurance pave the path for secured futures. So, make an informed choice to find a health policy that acts as your partner on the journey to health and happiness.

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.