Health Insurance Benefits

Healthcare costs in India are rising rapidly. In such a scenario, a medical emergency can cause a significant financial burden. With ACKO Platinum Plans, you can get coverage for hospitalisation expenses, doctor consultations, surgeries, and other medical treatments. Additionally, these plans also offer cashless hospitalisation, pre and post-hospitalisation expenses, and tax benefits. Thus, you don't feel financial stress during a medical emergency.

ACKO Platinum Plans have No Room Rent Capping. In other plans with room rent capping, the hospital's bill gets affected if you choose a room that costs more than the cap. Here, you can choose any hospital room of your liking, and this will not have any implication on your hospital bill.

When making a claim, there are numerous factors to consider. These may include co-pay, deductibles, and non-payable medical expenses, among others, which can significantly increase your out-of-pocket expenses. However, with ACKO Platinum Plans, we can reduce your out-of-pocket expenses. We don't consider factors such as co-pay, deductibles, etc., while calculating the claim amount. This translates to practically zero deductions, saving you substantial money during a medical emergency.

At ACKO, we recognise the importance of inflation protection and offer this benefit as a part of our Platinum Health Insurance Plans. Upon completing ten consecutive policy years, you will receive a percentage-based increase in the sum insured according to the plans' terms. The applicable increase under the Inflation Protect benefit is calculated based on the sum insured of the plan.

If you're looking to boost the coverage of your standard health insurance policy in India, several health insurance add-ons or riders are available for you to choose from. These additional benefits are optional and can be purchased by paying an extra premium. However, with the ACKO Platinum Plan, you don't have to worry about buying these essential add-ons separately. Features such as Room Rent Waiver, Doctor On-call, Coverage for non-medical expenses, and more are all included in the plan. 

Medical emergencies can arise at any time, and with the rising cost of healthcare, it is difficult for most people to bear the expenses. Health insurance provides financial protection against such emergencies.

Health insurance provides cashless hospitalisation, where the insurer directly settles the medical bills with the hospital. This makes it easier for the insured to receive medical treatment without worrying about the expenses.

Health insurance also provides tax benefits. You can get a tax benefit under Section 80D of the Income Tax Act, if you have opted for the old tax regime.

Health insurance is essential for families as it provides financial protection to all family members. It also benefits families with children, as children are more prone to illnesses and accidents.

Self-employed individuals are not covered under any employer-provided health insurance. Thus, health insurance is essential for self-employed individuals to cover unexpected medical expenses.

 Individuals with pre-existing medical conditions may face difficulties in getting insurance coverage. However, some insurance companies provide coverage for pre-existing conditions after a waiting period. Such individuals need to have health insurance coverage.