Securing 1 Crore Health Insurance Coverage in Lucknow: What You Need to Know
The healthcare infrastructure in Lucknow has expanded tremendously over the past few years. Multi-specialty hospitals equipped with advanced medical technology have emerged across the city. While this augurs well for the residents regarding the availability of quality healthcare, the costs have increased substantially. Continue reading to learn more about securing 1 crore health insurance coverage in Lucknow.
Why is Health Insurance a Necessity in Lucknow?
Healthcare inflation in Lucknow increases by double digits every year. The cost of planned treatments, surgeries, diagnostics, and routine medical tests is also exorbitantly high. Having at least 10 Lakh coverage has become essential for every household in Lucknow today. Comprehensive health insurance plans offer the twin benefits of cashless hospitalisation and substantial financial aid to pay gigantic medical bills that could run into several lakhs.
Best Health Insurance for Different Family Types
The ideal health insurance varies for individuals based on age, occupation, lifestyle and the number of dependents in the family. Here is a brief overview:
- Older parents staying with their children need higher coverage of at least 50 Lakh to take care of age-related diseases and joint replacement surgeries.
- Newly married couples can protect their finances by opting for a one-crore family floater plan.
- It offers an adequate buffer to start a family without worrying about medical costs.
- Bachelor professionals staying alone can opt for 10 to 50 lakh cover based on their living habits and family history of diseases.
- Pensioners should invest in unlimited coverage plans with one crore coverage as medical costs rise exponentially during retirement.
Key Considerations When Buying Health Insurance
Look out for these crucial things when buying a one-crore health insurance in Lucknow:
- Pre-existing Diseases: Disclose chronic ailments upfront, even if they increase the premium, as otherwise, claims can be rejected on these grounds in the future.
- Budget: Set aside at least 10% of monthly earnings towards buying health insurance for the family.
- Age: Higher covers are required for elderly members, considering their vulnerability to falling sick more often.
- Lifestyle Habits: Honestly declare habits like smoking and illnesses like hypertension during application for transparency.
- Future Risks: Evaluate family history of diseases to determine if a higher sum insured would be prudent
Securing Complete Health Protection with 1 Crore Insurance
Let us evaluate the key benefits in detail:
1. Cashless Hospitalisation
It covers all hospitalisation expenses, including specialist fees, medicines, devices, and implants. Takes care of even short 3-4 day hospital stays.
2. No Caps on Room Rent
You can opt for any room category without limits. Full coverage is provided in an isolation room or ICU with a ventilator.
3. Wide Range of Daycare Treatments
Includes expenses for daycare procedures like endoscopies, dialysis, and chemotherapy. Widens the ambit of cashless treatments.
4. End-to-End Care Costs Included
Covers cost even 60 days before & 120 days post hospitalisation. Specialist consultations, stabilising medication, and physiotherapy are all included.
5. Multiple Ambulance Transfers
Pays for multiple ambulance trips needed for the same treatment episode. Ensures quick hospital access when required.
6. Emergency Air Evacuation
Arrange and cover airlifting for life-threatening illnesses if local care is inadequate. Guarantees access to tertiary expertise.
Conclusion
Opting for one crore health coverage lets you rest easily, knowing your family is financially protected against gigantic medical bills. ACKO offers unmatched benefits like unlimited reinstatement to use the entire sum insured multiple times in the same year, along with loyalty additions.
Evaluate your health insurance needs today and buy the optimal cover for your family from ACKO to gain access to unprecedented features coupled with cashless hospitalisation across 14,300+ network hospitals.
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