Health insurance, also known as Medical insurance Plans/Policy, is an essential financial tool that covers the cost of medical treatment for injuries & illnesses, abut also offers potential tax savings of up to ₹75,000, starting from just ₹20/Day*
✅ 100% Room Rent Covered* ✅ Zero deductions at claims ✅ 14,300+ Cashless Hospitals ✅
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Health insurance, also known as Medical insurance Plans/Policy, is an essential financial tool that covers the cost of medical treatment for injuries, illnesses & more, from basic hospitalisation coverage to comprehensive policies with extra benefits like preventive medical health care & death benefits, there's a variety of health insurance policy available. Read more about What is health insurance?
Finding the right health plan ensures you & your family stay financially protected when unexpected illness or injury strikes. But why stop there? ACKO Platinum Health Insurance Plans take it up a notch! With zero deductions on claims, and fantastic built-in add-ons, we provide an extra cushion during medical emergencies.
We're super excited to share some awesome news with you. At ACKO, we're all about giving our customers the best of the best. And guess what? Our hard work and dedication have paid off!
Livemint, one of the leading publications, has ranked our plan as the top health insurance policy in India. We couldn't be prouder. So, if you're looking for unparalleled service and coverage, look no further. Check out our award-winning services and coverage to see why we're the best in the biz.
Consider Reading This, Even if You're in Good Health.
Vector-borne disease fatalities pose a significant challenge in numerous areas, with our country registering the highest incidence of malaria cases in the Asia Pacific region during the year 2020. [ 1 ]
According to a study, approximately 61 % of women and nearly 47 % of men in India are deemed unhealthy due to their diet and sedentary lifestyle. [ 2 ]
In India, the probability of an individual developing cancer during their lifetime is one in nine. Additionally, it is projected that the number of cancer cases will rise by 12.8 % in 2025 compared to the figures recorded in 2020. [ 3 ]
As of 2021, India has the highest medical inflation rate among Asian countries, standing at 14%. Furthermore, it is anticipated that the medical inflation rate will experience an additional increase of 10% in 2023.[ 4 ]
Approximately 14.3% of adults have mental health disorders among all diseases, highlighting its significance. Health insurance is vital for accessing comprehensive mental healthcare. Prioritizing mental health coverage in insurance policies is essential for effective support.[ 5 ]
Heart disease remains a significant public health challenge in India due to factors like sedentary lifestyles, unhealthy diets, tobacco use, and stress. Preventive measures, early detection, and timely medical interventions are essential to address this growing epidemic.[ 6 ]
Here is a list of different types of health insurance plans/policy.
This plan offers coverage to one individual/person. However, some insurers also allow the policyholder's spouse to be added to the policy and avail of insurance coverage.
Immediate family members (spouse, parents, children) can be insured under the Family Health Insurance. Here, insured members share the total sum insured of the policy.
This plan covers senior citizens, i.e., people above the age of 65 years. You can buy a dedicated Senior Citizen Health Insurance Plan for your elderly family members for adequate coverage.
Critical illnesses like cancer, stroke, kidney failure, major organ transplantation, heart attack, etc., are life-threatening diseases, and their medical treatment is quite expensive. You can get health insurance coverage for such specific diseases through the Critical Illness Insurance Plan. These plans are also called Fixed Benefit Health Plans, as you get a fixed lump sum amount in the case of an approved claim.
A group of people, for instance, a bunch of employees of the same company, can be covered under a Group Health Insurance Plan. Each member of this group has access to a fixed (separate/specific) sum insured. In some cases, the insured member can add their family members to the plan and share the allotted sum insured.
People who are already covered under a basic health insurance policy or those who can bear the medical expenses up to a certain threshold can opt for a Top-up Health Plan. It provides health insurance instant coverage beyond a fixed threshold known as a 'deductible' in insurance parlance.
SPECIFICATIONS Acko Health Plans
What do ACKO Health Plan offer?
1Crore, Unlimited Plans
14300+ Pan India Network Hospitals
✅ Non-medical expenses ✅ Room rent waiver ✅ Doctor on call
Deductions on claims
Absolutely ZERO Deductions
None, we cater directly to you
Claim Settlement Ratio
Tax benefits (80D)
Quick claim settlements
No Room Rent Cappings
Health Insurance Portability
Choose ACKO for hassle-free, comprehensive insurance that truly cares about your well-being. Buy health insurance policy today & experience the peace of mind you deserve.
SPECIFICATIONS OF ACKO Health Plans
What do ACKO Health Plans offer?
10 Lakhs, 25 Lakhs, 50 Lakhs, 1Crore
14300+ Pan India Network Hospitals
✅ Non-medical expenses ✅ Room rent waiver ✅ Doctor on call
Deductions on claims
Absolutely ZERO Deductions
None, we cater directly to you
Restore of sum insured
Allowed unlimited times
Hospitalisation costs covered after 30 days
Requires minimum 24 hrs of hospitalisation
Tax benefits (80D)
Quick claim settlements
No Room Rent Cappings
Health Insurance Portability
Choose ACKO Standard Health Plans for hassle-free, comprehensive insurance that truly cares about your well-being. Buy health Insurance plans today & experience the peace of mind you actually deserve.
Health Insruance Plans add-ons enhance the coverage of a regular health plan. So we have included some useful ones in the base health plan itself! Check those out below.
These expenses are usually not covered under a basic healthcare policy in India - for example, expenses for admission charges, surgical kits, syringes, etc., are not covered. But with our health plan, such non-medical expenses are also covered.
With the room rent waiver add-on, you can stay in any hospital room without worrying about how the additional charge will affect the claim amount. It won’t! Our health care insurance policy covers the full cost of room rent irrespective of its type.
Teleconsultations have gained prominence during the COVID-19 pandemic. It's easier to contact a doctor via phone call or a video call and get a remote consultation instead of personally visiting the clinic. Under this plan, we have added the doctor on call add-on where you can easily call a doctor and we will cover the cost.
When it comes to health insurance plans, there is no universal policy that fits everyone. It's similar to shopping for clothes, where different plans offer varying coverage, benefits, and premiums.
Therefore, it's essential to do some comparison to find the one that suits your needs. We have provided a quick overview of how our health insurance plans measure up against others.
Other Market Health Plan
ACKO Standard Health Insurance Plan
ACKO Platinum Health Insurance Plan
They Pay ~85%
ACKO pays 100%
ACKO pays 100%
30 days initial
30 days initial
2 years Specified illnesses
2 years Specified illnesses
None Specified illnesses
4 years Pre-existing diseases
4 years Pre-existing diseases
0-4 years Pre-existing diseases (based on health evaluation)
ROOM RENT LIMIT
ROOM RENT LIMIT
ROOM RENT LIMIT
Pay extra for room upgrades
No Room rent limit
No Room rent limit
ACKO Health Insurance provides cost-effective health insurance policies through its online distribution model. Traditional health plans in India are usually sold through agents and brokers who earn a commission from the insurance company.
These costs are passed on to policyholders as distribution costs, leading to higher premiums. However, ACKO's online platform eliminates the need for intermediaries and allows customers to directly purchase policies. This reduces distribution costs and enables ACKO to offer more affordable health insurance plans to its customers.
We all are just recovering from a pandemic so in today's world, having a private health insurance policy is more important than ever. It's not just a luxury, but a necessity. With healthcare costs skyrocketing, having medical insurance policy is like having a safety net for you and your loved ones, protecting you from unexpected medical expenses. Let’s take a look at some reasons why insurance is important.
Hey, did you know that medical technology has come a long way? It can treat diseases that were once considered incurable. But the thing is, these treatments can be super expensive. That's where private health insurance in India comes to the rescue! It helps you cover those skyrocketing medical costs, so you don't have to worry about breaking the bank.
When it comes to our health, we all want the best care, right? Without insurance, it can be tough to afford top-notch medical facilities. But with insurance, you can access amazing medical health care without stressing over the expenses. Plus, it speeds up your recovery with cool coverages like pre and post-hospitalization. It's a win-win!
Life is full of surprises, and not all of them are pleasant. Medical emergencies can hit us when we least expect them, and they can be crazy expensive. Luckily, private health care insurance in India has got your back! It helps cover the costs of hospitalisation, surgeries, and other treatments. So, you can focus on getting better without worrying about the money. Find the right plan →
Having private health insurance in India gives you access to a network of medical health care providers and hospitals. You can choose a health insurance scheme that allows you to see your preferred doctor, or you can opt for a plan that provides coverage for a wider range of providers. It's all about having options and flexibility when it comes to your healthcare needs.
Taking care of your health is super important, and insurance plays a role in that too. When you have coverage, you're more likely to seek preventive care, like regular check-ups and screenings. This can lead to early detection of health issues and timely intervention, ultimately improving your long-term health outcomes. It's all about being proactive and staying on top of your well-being.
Have you noticed how common chronic illnesses like diabetes, heart disease, and renal ailments have become these days? It's pretty alarming, right? That's why it's super important to get yourself some comprehensive insurance coverage. It's like having a safety net that covers you in case anything unexpected happens. You don't want to be caught off guard with those crazy medical bills. So, take the smart step and make sure you have the right insurance to protect yourself and your loved ones from the uncertainties of life. It's all about staying prepared.
You know that feeling when you have a safety net in place? That's exactly what insurance provides. Knowing that you have coverage can give you peace of mind, knowing that you and your loved ones are protected in case of a medical emergency. It's like having a guardian angel watching over your health. Find the right plan →
Buying health insurance in India not only protects your health but also gives you some tax benefits. The government is encouraging everyone to have health coverage, so they've made it even more appealing. Under Section 80D of the Income Tax Act (under the old tax regime), when you pay your medical insurance premium, you can actually save some of that hard-earned money by reducing your taxable income. It's like a win-win situation – you're taking care of yourself and your loved ones, and the government is giving you a little tax break as a thank you. So, not only will you have peace of mind with insurance, but you'll also have a little extra cash in your pocket.
Discover your ideal online health insurance policy with ACKO's Platinum and Super Top-up Plans, which offer multiple sum insured options for complete coverage. Our plans are designed to provide comprehensive protection to suit your unique medical insurance needs
At ACKO, we offer the 10L Platinum Health Insurance Plan, which offers a sum insured of Rs. 10 lakhs. In the event that you (or a covered family member) need medical care, this 10L Medical insurance policy with a sum insured of Rs. 10 lakhs can provide enough financial support.
ACKO Platinum 10L Super Top-up Health Insurance Plans are specialised health policies that can be purchased with or without primary medical insurance plans. These insurance policies provide coverage above the selected deductible.
The days of opting for an additional policy to supplement your health insurance coverage are over! You don’t need to ever worry about buying a separate policy. ACKO’s 25L Health Insurance Plan, covers all your medically necessary hospitalisation, and includes a lot of other benefits.
Planning to Switch? Our Super Top-up Health Plan will continue to provide insurance coverage even if you change jobs, and don’t get Group Medical Coverage from the new employer.
Even your non-medical expenses are covered under this plan. Plus, you have access to multiple teleconsultations with our Rs. 50 lakhs health plan whenever you need to speak with a doctor.
Sweeten the deal by increasing your total sum insured by Rs. 50 lakhs Super Top-up plan, and get access to multiple additional benefits like Zero deductions at claim; and Zero Waiting period.
1 crore health insurance plan is designed to cover you from day one without any waiting period. We want to keep you stress-free about insurance so that you can focus on your health.
We all love a bit more for our money. Under this 1 Cr. Super Top-up Health Insurance plan, you get built-in add-ons like Non-Medical Expenses Waiver, Waiting Period Waiver, Room Rent Waiver, etc. They are a part of the health policy in India, and you don't need to add them separately.
Expect limitless coverage with truly unlimited health insurance benefits without any caps on the sum insured amount. We will cover an approved claim no matter how large the expenses are.
Arogya Sanjeevani Policy by ACKO is a basic and straightforward health plan. Get it if you wish to secure yourself and the loved ones from unforeseen costs at an affordable medical insurance premium. It is perfect for someone looking for a plan that fits their budget and meets insurance requirements.
It's super important to compare health insurance plans online before you make a decision. Why? Well, you want to make sure you get a plan that ticks all the boxes for your specific needs. By comparing plans, you can find the one that gives you the best health insurance quotes without sacrificing any important features, benefits, or services. It's all about making sure you get the most bang for your buck and find the perfect fit for you. So, dive into the world of plan comparisons and find free medical insurance quotes that's tailor-made just for you!
Why insurance, I am healthy!
Covered by Employer
History of Health Issues
Coverage + Tax Benefits
Example: Let's consider the case of Mr. Sharma, a 35-year-old individual who is looking for a health insurance plan within a limited budget. He wants some level of protection against medical costs but is conscious of the premium he can afford. In this scenario, the ACKO Platinum Plan with a coverage amount of Rs. 10 lakhs can be a suitable option for him.
ACKO Advice: We suggest opting for Rs. 10L ACKO Platinum Plan. This plan can be a practical choice for individuals who are conscious of their budget and want to have some level of protection against medical costs. It provides them with a safety net, even if the coverage amount is relatively lower compared to higher sum insured plans. Find the right plan →
Example: Let's take the example of Ms. Patel, a 30-year-old individual who considers herself to be in good health and has never faced any major health issues. She believes that since she is healthy, there is no immediate need for health insurance.
ACKO Advice: Buying health insurance when you are in the pink of your health is the best time. This is when you can get private health insurance in India at a cheaper rate and with more coverage options. We suggest you go for our Rs. 10L ACKO Platinum Plan. This plan will ensure that you get the full claim amount in case of an accident or a health issue. Find the right plan →
Example: Let's consider the case of Mr. Kumar, who is covered by his employer's health insurance plan. The employer's plan provides coverage for certain medical expenses but has a limited sum insured. Mr. Kumar is looking for additional coverage to create a backup and ensure adequate financial protection.
ACKO Advice: Great! You can top it up with our 10L ACKO Platinum Super Top-up Plan. Use your employer’s coverage for smaller expenses and the extended coverage from ACKO if you need more sum insured. This can be an excellent strategy to create a backup. Find the right plan →
Example: Let's consider the example of the Singh family, which consists of Mr. Singh, Mrs. Singh, and their two children. They are looking for a health insurance plan that can provide adequate coverage for all family members in case of medical emergencies.
ACKO Advice: Owing to more members you can buy our health insurance plan with Rs. 25L sum insured to ensure financial protection in case of medical emergencies. Find the right plan →
Example: Let's consider the case of Mr. Desai, who has a history of health issues and wants to secure a health insurance plan that provides comprehensive coverage for his specific needs.
ACKO Advice: Consider plans with high sum insured, i.e., Rs. 50L, Rs. 1 crore, or the Unlimited ACKO Platinum Plan. Opting for a high sum insured ensures that you have the necessary financial protection to tackle the medical expenses associated with serious medical conditions, effectively. Find the right plan →
Example: Let's consider the case of Ms. Gupta, a salaried individual with a stable income. She is looking for a health insurance plan that provides financial coverage for unforeseen medical expenses and also offers tax benefits.
ACKO Advice: If you have a stable income, a health insurance plan with a sum insured of Rs. 10 lakhs would be suitable to ensure financial coverage in the event of unforeseen medical expenses and get tax benefits. Find the right plan →
What’s Covered in ACKO Health Plans?
What’s Not Covered in ACKO Health Plans ?
Inclusions are among the most important aspects of a Health insurance Plans. They help you understand the scenarios when you can raise a claim against your policy. Here are the typical inclusions or coverages you get when you buy health policy. However, this may vary for different health policies.
This covers the cost of hospitalisation for the policyholder. In-patient treatment includes expenses such as room rent, nursing charges, ICU charges, doctor visits, and more.
Minor surgeries like cataract removal, tonsil removal, or similar procedures that require less than 24 hours of hospitalisation are covered under daycare procedures.
Some surgeries or medical issues necessitate treatment before hospitalisation. The cost of such treatments can be claimed under health insurance as per the policy's terms and conditions.
The cost of follow-up treatment is covered under individual health insurance policies as per the policy's terms and conditions.
The cost of receiving treatment at home can be covered under specific circumstances for a predetermined number of days.
The cost of medical treatment related to donating an organ is covered as per the policy's terms.
The cost of hiring an ambulance for transportation to the hospital will be borne as per the policy's terms and conditions.
The cost of availing Ayurveda, Unani, Siddha or Homeopathy (AYUSH) treatment can be claimed as per the policy document.
Insurance coverage for newborn baby as per the policy's terms.
This is generally an add-on cover. This amount can be used to buy medicines or other essentials required by you.
Every insurance company has a set of scenarios where the policyholder cannot raise a claim. These scenarios are called exclusions. Here is a list of exclusions of an individual medical insurance policy that you should be aware of.
The cost of treating intentional injuries, including attempted suicide, is excluded from the policy when you buy insurance.
Injuries arising from participating in adventure sports are not covered.
Medical attention required due to participating in criminal activity is not covered.
The cost of cosmetic and dental surgeries, unless required due to an accident, is excluded when you buy insurance.
Mediclaim policy in India generally does not cover the cost of infertility treatment.
Any other medical treatments/surgeries that are not mentioned in the policy document will not be covered.
Let's make sure you're covered and worry-free! These are our basic eligibility criteria.
Age: People above the age of 18 years can buy the ACKO Platinum Health Insurance plans for themselves and their family members.
Note: It is mandatory for members over 55 years to undergo medical screenings when they buy health insurance. We call these tests Per-Policy Medical Checkup (PPMC). They are completely free.
Nationality: Currently we only cover Indian nationals. So if you reside in India, our plans are available for you and your loved ones.
Here are some key considerations that you should keep in mind before purchasing an insurance policy.
Picking the right sum insured amount is super important. You want to make sure you're covered just right. So consider factors like your age, medical conditions, location, health insurance quote, and healthcare needs when choosing a plan. You want it to match your unique situation. Going for a plan with a low sum insured might leave you hanging when you need it the most during a medical emergency.
Think about what you actually need from a healthcare policy in India. Do you have any pre-existing conditions or take regular medications? Knowing your healthcare needs will help you find a plan that covers the services and treatments you require. It's all about finding the perfect fit for you.
Hey, we all have our favourite doctors and hospitals, right? Well, check if the policy covers the ones you prefer. You want to make sure your primary care physician or specialists are in the network. And if you have a go-to hospital or medical centre, double-check that they're included too. This way it’s easier to have access to the ones you trust.
Let's talk about the money stuff. Medical insurance premiums are what you pay each month for your insurance, while deductibles are what you have to shell out of pocket before your coverage kicks in. Take a look at the full health insurance coverage cost and deductibles of different policies and find the one that fits your budget. It's about getting the coverage you need without breaking the bank.
You don't want any surprises down the road, right? So, make sure you understand the coverage limits and exclusions of the policy. Some plans may have limits on what they'll pay for certain treatments, or they may exclude certain conditions altogether. Knowing these details upfront will save you from any unexpected bumps in the road.
Hey, let's talk about the cherry on top! Some policies offer extra goodies like wellness programs or mental health services. These additional benefits can really add value to your policy and make a big difference in your overall healthcare experience. So, think about what matters to you and your family, and look for a policy that offers those sweet extras.
It's important to choose an insurance provider that's known for their stellar customer service. You want someone who's got your back when you need it most. Take a peek at their reputation for handling claims and providing assistance to policyholders. A reliable and supportive team can make all the difference in your insurance journey.
It is imperative to understand the time for which your medical plan is active. As health complications increase with age, there are high chances that you may require mediclaim policy in India during old age. Hence, it is recommended to opt for a plan with lifetime renewability that reduces hassles and unforeseen medical expenses during such time.
High claim settlement ratios mean a higher probability that your claim may be settled. Select an insurer with a high CSR, as it reflects that it will not reject a claim without a valid reason.
Many health plans come with a waiting period for different types of ailments. It is advisable to select a health policy with a lower waiting period for pre-existing conditions and diseases.
Note: There is no waiting period under ACKO Health Insurance Policy. So you get coverage from day 1 if you disclose all pre-existing conditions you are suffering from.
You can use a health insurance premium calculator to know the approximate cost of the policy. It is a free-to-use digital tool available on a health insurer's website. It uses factors like the type of plan, add-on covers, health conditions, age, etc., to determine your payable medical insurance premium. Here are the steps to calculate health insurance rates using a calculator.
Step 1: Visit www.acko.com, navigate to the health insurance section and enter information like your age, gender, etc.
Step 2: Decide how many individuals you wish to insure, how much coverage you need, and which add-ons you want to buy.
Step 3: Select the coverage and click "calculate" to view the payable medical insurance premium for the chosen cover.
Here are the factors that influence health insurance premium calculation.
Age: Ah, the age factor! It plays a role in determining the full health insurance coverage cost for your ACKO Platinum Insurance Plan. As you might expect, the older you are, the higher the medical insurance premium. It's all about taking into account the life experiences and wisdom that come with each passing year.
Sum insured: At ACKO, we've got you covered with different sum insured amounts. You can choose from Rs. 10 lakhs all the way up to an unlimited amount. The sum insured you select will have an impact on your health insurance rates. So, whether you're aiming for a modest coverage or want to go all out, we'll tailor the premium to match your needs.
Location: Where you live matters too! We consider your residence location while calculating the premium. You see, the health plan premium of medical treatment can vary across India. So, whether you're in a bustling city or a serene rural area, we'll take that into account. It's all about ensuring fairness and reflecting the reality of healthcare costs where you call home.
Number of insured members: Family matters! Our ACKO Platinum Plans are Family-floater health plans, meaning you can protect yourself, your spouse, and up to four children under our insurance plans. Just keep in mind that the more members you include, the higher the policy premium. It's all about looking out for your loved ones while considering the impact on your premium.
Medical status: Your health is our priority, so we take it seriously. When you buy an ACKO Platinum Plan, we may ask for a Pre-Policy Medical Check-up (PPMC) to understand your current health status. It's important to disclose your medical history too. The health insurance rates will depend on your current and past medical history. Rest assured, we're here to support you and offer the best deal and health insurance instant coverage that fits your unique situation.
You can add up to ten members to your ACKO Platinum Health Insurance Policy, including two adults, two parents, two parents-in-law, and up to four children when you buy health insurance in India. The policy is available to individuals above 18 years of age, with dependent children aged between three months to 25 years being eligible.
Allowed under Platinum Plans
18 years and older
Dependent spouse’s age
18 years and older
Dependent children’s age
3 months - 25 years
Remember, the higher the number of members insured under the plan, higher will be your health insurance quote.
You get several advantages when you buy health insurance policy in India at an early age. Here are a few.
Lower Premiums: Hey, here's a cool perk! When you buy health policy early, you're likely to snag lower premiums. Insurance companies take age into account when customising health insurance quotes. So, since you're starting at a lower risk profile, they'll offer you sweet deals compared to those who wait until later in life.
Fewer Health Issues: You know what's awesome about being in your 20s? Generally, you tend to have fewer health issues compared to thirty-somethings. That means your chances of getting comprehensive coverage are higher, with little or no pre-existing conditions to worry about when you buy medical policy. It's like a head start on securing a solid insurance plan.
Easy Completion of Waiting Period: Let's talk about waiting periods. Mediclaim policy in India often has them, and you can't make claims during that time. But guess what? Buying insurance early means you're less likely to raise a claim compared to someone who buys it later in life. That makes it easier to breeze through the waiting period and enjoy the full benefits of your coverage.
Lower Chances of Policy Rejection: Nobody wants their health insurance application rejected, right? Well, good news! The chances of that happening are lower when you're younger. Insurers might be more hesitant if you have significant pre-existing conditions, but when you're in your younger years, you're generally at a lower risk. So, your chances of getting that coverage you need are pretty good!
Better Coverage: Picture this: you buy health insurance early, and your insurer rewards you with awesome coverage options. Sounds cool, right? Well, it's true! Insurance companies may offer more comprehensive coverage when you start at a younger age. Think about common health issues like diabetes, high blood pressure, or cataracts. They're more likely to be included because you're seen as less risky to insure. It's like getting extra perks just for being proactive about your health!
Let’s do a good vibe check by deep diving into our Health Insurance Plans and what you will get when buying our plan.
When we say we have 0% copay, we mean that we will bear the full cost for a covered medical treatment and you don’t have to make a partial payment.
Up to your Sum Insured
All COVID-19-related (any variant) hospitalisations are covered.
Up to your Sum Insured
AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy) treatments that require overnight hospitalisation are covered.
Teleconsultations (Through ACKO app)
Up to your Sum Insured
Teleconsults with General physicians or Specialists are covered, as long as you initiate the teleconsult from the ACKO app.
Preventive health checkup
Annually (for insured members above the age of 18 years)
1 annual health check-up for all insured members above 18 years is covered. You can visit a lab of your choice and get a preventive health checkup done.
Annual sum insured increases by 10%
With this feature, you get something better than NCB (No Claim Bonus). Here, your sum insured will be increased by 10% every year, regardless of whether you raise a claim or not.
(up to 60 days before)
All costs associated with your medical condition (e.g., doctor's visit, lab tests, medicines) in the days leading up to your hospitalisation are covered. Most insurers will only cover a few days before hospitalisation.
(up to 120 days after)
All costs associated with your medical condition (e.g., doctor's visit, lab tests, medicines) after discharge from the hospital are covered. Most insurers will only cover a few days after hospitalisation.
Up to your Sum Insured
All ICU fees are covered.
Up to your Sum Insured
All charges to transport the insured members to the hospital (via roadways) are covered.
All treatments covered up to your Sum Insured
All hospitalisations that last less than 24 hours (as long as they are medically necessary) are covered, for example, Cataract, Coronary angiography, Haemodialysis, Chemotherapy, Ligament tear/meniscus tear surgery, and Radiotherapy (for cancer).
In today's digital age, you can easily apply for health insurance online. So, why is everyone going gaga over online health insurance? Well, let us break it down for you. Here are some of the perks you get when you buy health insurance online.
Wanna know the coolest part about buying health insurance online? You can compare plans from different providers right there on your screen and get free medical insurance quotes. It's like having all the options laid out for you to see. You can check out medical insurance premiums, deductibles, coverage limits, and more. It's all about finding the plan that fits your needs and budget like a glove. No more guesswork!
Let's talk about ultimate convenience! With mediclaim policy online, you from the comfort of your PJs. No need to step out or rush to an insurance company's office. You can do it all, right from your couch or desk. It's like having a virtual insurance store open 24/7 just for you. Time-saving and hassle-free. That's the way to go!
Saving money? Yes, please! Buying health insurance online can actually be cheaper than going through an agent. You know why? Because it cuts out the middleman's commission. Plus, many insurance companies offer exclusive mediclaim policy online deals and discounts. So, you not only get the coverage you need, but you also keep more money in your pocket. It's a win-win!
We've got your back when it comes to making things super easy. We have user-friendly mediclaim policy online platforms that are a breeze to navigate. It's like having a personal assistant guiding you through the process. You can view policy details, explore additional resources, and get all the info you need to make a smart decision, on your phone. It's all about simplicity and clarity.
No hidden surprises here! Buying health insurance online gives you the gift of transparency. You can easily access all the nitty-gritty details of the policy, like coverage limits, exclusions, and benefits. It's all right there on our website for you to see and review. So, you can make an informed decision without any guesswork. Transparency is key!
We're really excited that you're interested in purchasing our health care insurance policy! It's an important step towards protecting yourself and your family. We want to express our gratitude for considering us as your trusted insurance provider.
Buying our mediclaim policy online is simple and convenient. Just follow the steps below, and we'll ensure you get the best health insurance coverage in India. Let's embark on this journey together and secure a healthier future for you and your loved ones!
Step 1 - Visit the platform: Visit www.acko.com or download the mobile app.
Step 2 - Share details: Enter a few details such as your age, dependent’s details, and some other personal information to get a health insurance quote.
Step 3 - Processing: Once you buy the plan, we will take a few days to process the request.
Step 4 - Policy Issuance: We issue the policy as soon as the processing is completed. Note that your coverage begins from the date of purchase, so don’t worry about the processing time.
To get an insurance policy, below is the list of documents required.
Proof of age
This can include a Driving Licence, Voter ID, Passport, Birth Certificate, etc.
You will need to provide a PAN card, Passport, Driving Licence, Voter's ID, or other similar identification documents.
Proof of address
You may need to submit documents such as a Ration card, Passport, Voter's ID, Aadhaar card, bank statement, telephone/electricity bill, etc. to prove your address
Medical test report
In some cases, you may be asked to undergo a medical check-up and submit the report to the insurer.
Note: The exact set of documents may vary depending upon the nature of claim.
Now let’s discuss claims, which is the whole point of buying health insurance. We will try to keep it simple.
What are health insurance claims?
Health insurance claims are requests you make to your insurance company to cover the costs of medical treatments. Remember that you can only claim against things that are covered in your insurance plan. So it's very important that you know what is covered and what is not.
Types of claims
Usually there are two ways in which you can claim.
In a cashless claim, the insurer will pay the hospital bill. In a reimbursement claim you first pay the bill, and then raise a claim to get back the money you paid.
These are hospitals where raising a cashless claim is possible. In a non-network hospital, you must pay the bill and get a reimbursement from us. So, when you buy health insurance, it becomes necessary that you are aware of the list of network hospitals to avail a cashless claim. See the full network hospital list →
How to raise a claim against your ACKO Platinum Health Insurance Policy?
Raising a claim against your ACKO policy is very easy. You can do it by logging into your ACKO account through the website or ACKO app. Now open the active policy and click on “Get cashless treatment” or “Get a reimbursement”. Follow the instructions and done! Claim raised.
Documents required while registering a claim
Below is the list of documents required while raising a claim with your medical insurance provider.
Duly filled insurance claim form
Prescription and cash invoice
Copy of your insurance card
Medico-Legal Certificate (MLC) or FIR in case of an accident
Investigation report (X-Ray/ECG/Scan/Laboratory)
Original medical bills and receipts
Cancelled cheque in case of reimbursement
Any other document as requested by your insurer
Here are the steps to follow if you wish to download the physical copy of your medical care insurance policy in India.
Step 1: Scroll up to the top and log in to your ACKO account. Use the registered mobile number to generate the one-time password.
Step 2: Click on your health insurance policy to open it.
Step 3: Click on download and take a printout.
You can print multiple copies of your health policy if required.
Gone are the days when you had to keep the hard copy of your health insurance policy handy. Now, you can access it anytime by simply downloading it from your ACKO account. Here is how.
Steps to download your ACKO Health Insurance Policy.
Step 1: Scroll up and click on the Login button to access your ACKO account.
Step 2: Open your health insurance policy and click on download.
Alternatively, check the inbox of your registered email address for the policy and download the attachment.
You must renew your health insurance policy if you want uninterrupted medical coverage. The renewal process offers you a chance to assess the existing coverage and update the policy as well.
The contactless online method appears to be the ideal choice for renewing health insurance coverage in light of the recent pandemic. Here are steps to renew a medical plan online.
Step 1: You will get a renewal-related email reminder (from [email protected]) before policy expiry.
Step 2: The payment link for policy renewal will be included in the email. To make the payment, just click the link.
Step 3: After making your payment, you will receive your renewed insurance plan shortly.
Yes, most health policies cover coronavirus treatment; however, please check the applicable policy wordings to confirm the same. IRDAI has directed all general insurers to offer coverage for coronavirus treatment through health plans.
Mediclaim insurance is essential. Thus, the Government of India encourages everyone to buy the best health insurance plan by offering tax benefits on the premium paid under Section 80D of the Income Tax Act, 1961.
Apart from receiving all the health insurance benefits provided by the policy, you can also save a significant amount of tax on the premium. To save tax on health policies, produce an insurance certificate while filing tax for the current assessment year. Then, you will receive tax benefits (as per the prevailing tax regulations) depending upon the number of insured members under the health plan.
You can save additional tax by opting for a preventive health check-up during the corresponding assessment year. By doing so, you receive a dual benefit — the latest status update of your health and an additional tax benefit. The tax deduction will be under Section 80D of the Income Tax Act.
India's medical inflation has been on the rise. According to the Ministry of Statistics and Programme Implementation (MOSPI) report, medical inflation in 2021 was at 14%, and PwC's Health Research Institute (HRI) report predicts a 6.5% increase in medical costs in 2022.
Mediclaim policy in India can help reduce the impact of medical inflation on your finances and out-of-pocket expenses, especially with features like Inflation Protect and Zero Deductions at Claim.
ACKO INFLATION PROTECT
NO CLAIM BONUS
Every year irrespective of claim in previous year
Only if you did not claim in previous year
Upper limit on Sum insured
Capped at 100%
Capped at 50-100%
10% fixed increment every year
Resets to zero if you claim and then starts again
Here is a list of the three most popular medical insurance myths that some people believe are true. But in reality, they are just myths and should not be considered to be true.
Myth 1: Online mediclaim policy in India is a scam - Some people prefer buying medical insurance schemes using the traditional method—through intermediaries or by visiting an insurance company, as they might distrust online insurers. However, each insurance company (whether online or offline) must be registered with the Insurance Regulatory and Development Authority of India (IRDAI). You must cross check their registration number on the IRDAI website before purchasing insurance. By the way, ACKO’s IRDAI registration number is 157!
Myth 2: I need to pay the hospital bill for treating a pre-existing disease - Usually, health insurance products cover pre-existing diseases after a certain waiting period. However, under ACKO Health Insurance Policy, we cover pre-existing conditions from day 01. We bear the treatment costs with zero deductions on an approved claim. All you have to do is tell us about your medical history and disclose any pre-existing disease (if applicable) while buying the plan.
Myth 3: I can only claim if I was hospitalised - Under ACKO Health Insurance Policy, you get coverage for daycare procedures, emergency transport, and also pre and post-hospitalisation. These coverages are not limited to hospitalisation and extend to other medical treatments as well. So under our health insurance scheme, you can make a claim against an inclusion even if it is not related to hospitalisation.
No, Aarogya Sanjeevani Policy is a basic plan with a low coverage amount. On the other hand, ACKO Standard Health Plan offers higher coverage options. Both of these health plans are available at ACKO. Please refer to the policy wordings for more information.
Yes, our online process is quick and convenient. You can research, compare, and choose a plan that suits you—all from the comfort of your home.
No, undisclosed pre-existing conditions are not covered. It's important to disclose any pre-existing health issues to avoid problems with claims.
The premium you pay depends on factors like age, location, and the number of people covered. You can get an estimate using our health insurance premium calculator.
Some of the included riders are Non-medical Expenses Waiver, Room Rent Waiver, and Doctor on Call service, among others.
If you have a question, we're here to assist. Call 1800 266 2256 or email us at [email protected] for prompt help.
ACKO Health Insurance Plans are the best because the health plans consist of affordable plans, an easy online process, customized coverage, quick claims, clear policies, wide hospital network, and positive reviews. It's health insurance that fits your needs and budget!
The optimal age to buy health insurance in India is as early as possible, ideally in your 20s or 30s, when you are healthy and the premiums are lower.
Once you have decided on the health policy, the insurer will ask for certain documents required for health insurance. The documents required for health insurance are to verify the policyholder's identity, age, and income details. It is important to be careful when submitting the documents required for health insurance.
Below are the differences between the two types of insurance policies.
The health insurance policy offers claims towards injury, illness, and other medical conditions.
Personal Accident Cover provides coverage due to accidental death while the medical insurance policy does not.
Disabilities are not covered under health insurance coverage.
We're thrilled to bring you some fantastic news! At ACKO, our commitment has always been to provide our customers with the absolute best. And the good news is, our dedication and hard work have paid off!
We're proud to announce that Livemint, a leading publication, has recognized our health policy as the number #1 health insurance plan in India. This is a tremendous achievement for us, and we couldn't be happier. So, if you're in search of exceptional service and comprehensive coverage, your search ends here. Explore our award-winning services and coverage to discover why we stand out as the best in the industry. We're here to support you every step of the way!
Yes, you can nominate a person under Section 39 of the Insurance Act, 1938. While the policy is active, during your lifetime, you can nominate any person or persons to whom the insurance company will pay applicable benefits under the health insurance upon your unfortunate death.
Medical tests are mandatory for individuals above the age of 45 years to get coverage under ACKO Health Insurance Policy.
Your health insurance policy offers a grace period of 30 days. However, any claims raised during these 30 days will be rejected. Additionally, if you do not renew the policy within the grace period, the policy will lapse.
Yes, you can transfer your policy from one insurance provider to another as per the circular issued by the IRDAI. This process is known as portability of health insurance plans.
Yes, you can own more than one health insurance policy. However, it is recommended to opt for another health policy only if you feel that the sum insured of your first policy is not sufficient.
You can easily calculate the premium for your medical insurance policy by using the health insurance premium calculator. This is a free, online tool that will help you understand the approximate amount you must pay for buying the policy. A premium calculator is usually a part of the process when you set out to buy health insurance.
When renewing or buying your health insurance policy, you have the option to include your family. The coverage extends to your spouse, dependent children, and both sets of parents, subject to the terms and conditions of ACKO's health policy.
Here are the steps on how to apply for health insurance.
Research and compare plans.
Choose a suitable plan.
Gather documents and fill the form.
Undergo a medical checkup if required.
Disclose pre-existing conditions.
Pay the premium.
Review the policy details.
Submit the application to the insurance company.
Wait for approval and receive policy documents.
Every individual or HUF can claim a deduction from their total income for medical insurance premiums paid in any given year under Section 80D. This deduction is also available for top-up health plans and critical illness plans.
The premium for a 50 lakh health insurance plan with ACKO begins at around INR 600 per month. It's crucial to understand that this price can fluctuate depending on various factors, including the number of individuals covered, their ages, medical histories, and other specific particulars. For instance, choosing a higher sum insured, such as INR 50 lakhs, may lead to a higher premium compared to opting for a sum insured of INR 10 lakhs. Check your Price
Those employees who are below the wage limit of Rs. 21,000 can get coverage under Employee State Insurance (ESI) and those above can seek cover under Group Medical Cover (GMC).
To protect your savings While an unforeseen illness can lead to mental anguish and stress, there is another side to dealing with health conditions that can leave you drained – the expenses. By buying a suitable health insurance policy, you can better manage your medical expenditure without dipping into your savings.
The starting price for ACKO's family insurance is approximately INR 600 per month. It's important to note that this amount can vary based on factors such as the number of family members included, their ages, medical profiles, and other specific details. For example, opting for a higher sum insured, such as INR 50 lakhs, may result in a higher cost compared to selecting a sum insured of INR 10 lakhs.
Yes, dependent children between the age of 3 months and 25 years are eligible to be covered under the policy.
The initial waiting period is generally 30 days (minimum) to 90 days, and it can vary according to the policy. However, an exception can be made if the insured meets an accident and needs emergency hospitalization.
While having a corporate medical policy is beneficial, it may not provide comprehensive coverage or cover all medical expenses. It is recommended to purchase an individual health insurance policy to supplement the coverage provided by the corporate policy and ensure adequate protection against medical expenses.
Yes, you can claim medical bills in health insurance as per the terms and conditions of the plan.
Yes, you can claim tax deductions under Section 80D of the Income Tax Act and the Finance Act, 2018. For example, it offers tax benefits of up to Rs. 25,000 for a Family Floater policy, which includes the primary policyholder, spouse, and dependent children. In case you include your parents aged below 60 years, then you can claim an additional deduction of Rs. 25,000. And, if your parents are above 60 years, the deduction is up to Rs. 50,000. Please note that tax benefits are subject to changes on an annual basis.
Diseases covered under the permanent exclusions will not be covered under the health insurance policy.
As per the terms and conditions, you can raise several claims during the policy period subject to a maximum of the sum insured.
Medical expenses related to pregnancy are usually not covered under ACKO Platinum health insurance.
The average cost of a health policy in India varies depending on factors such as age, location, and coverage options.
To find your health insurance policy number, you can refer to your insurance card or any official documents provided by your insurance provider. It is typically listed prominently on the card or mentioned in the policy documents. If you are unable to locate it, you can contact your insurance company directly and they will assist you in finding your policy number.
This would depend on the terms and conditions of your health insurance scheme.
Claiming against a new health insurance plan would depend on the terms and conditions of your insurance company and the type of plan you have.
Policyholders can have any number of health insurance plans. However, they cannot claim reimbursement for the same expense from multiple insurers. If one cover is not sufficient, the other cover can be used to cover the expenses.
Buying 30 day health insurance may not be as fruitful as buying a plan with a longer duration as it provides coverage for a very short period of time.
You can find the list of diseases and other exclusions that are not covered under the plan in the Policy Wordings.
Yes, it is possible to get health insurance for 2 months under a short-term health plan.
Typically, such charges are not covered under health insurance, except if specifically mentioned under the coverages.
Yes, coverage for pre-existing diseases is possible if you disclose them while buying the policy.
Yes, some health insurance products do cover robotic surgery & modern treatments.
In this case, you need to pay the hospital bill first and then make a reimbursement claim. However, you must inform your insurance company about the hospitalisation at the time of admission.
Health insurance portability benefits policyholders by providing continuity of coverage when switching to a new insurer, carrying forward waiting periods already served, offering flexibility and choice in selecting a health insurance scheme, and promoting competitive premiums as insurance companies strive to attract customers from other providers. This ensures policyholders have better options and seamless coverage transitions while enjoying improved services and benefits.
You can consider short-term health insurance products that may offer a policy period of one month.
If you invest in health insurance, you can get deduction up to ₹ 25,000 under Section 80D for yourself and your family (₹ 50,000 if age of insured is 60 years or above) and up to ₹ 25,000 (₹ 50,000 if age of insured is 60 years or above) for your parents.
A "health policy in India" refers to the specific document or contract between an individual or group and an insurance company, outlining the coverage and benefits provided. On the other hand, "health insurance" is a broader term encompassing the overall concept of financial protection against medical expenses, which can be obtained through various types of policies.
A free-look period is a period of time after purchasing a health care insurance policy during which the policyholder can review the policy terms and conditions and cancel the health policy in India if they are not satisfied. This period typically lasts for 15 to 30 days.
Under the co-pay clause of the policy, the policyholder along with the insurance company must share a part of the claim amount as per the policy. Read more about Copay in Health Insurance
Note: There is no copay clause under ACKO Health Insurance Policy. With our zero-deductions-at-claim feature, you get coverage for the entire hospitalisation bill.
The answer to “why health insurance” is, health insurance is essential because it provides financial protection against expensive medical costs and healthcare services. With health insurance, individuals can access timely and quality medical care without worrying about the full burden of expenses. It offers peace of mind, safeguards against unexpected medical emergencies, and promotes overall well-being by encouraging regular health check-ups and preventive care.
Any ailment, medical condition, injuries, or related medical conditions for which you have symptoms or signs, and/or diagnosed, and/or received medical treatment or advice within a stipulated time period prior to the first policy by the insurance company is considered as pre-existing diseases.
The maximum amount that the insurer will pay in case of hospitalization of the policyholder or the beneficiaries of the policy, which is as per the terms and conditions of the insurance policy, is known as the sum insured amount.
The time in which you cannot raise a claim is called a waiting period in health insurance. There are roughly three types of waiting period:
Initial waiting period
Pre-existing diseases waiting period
Specific diseases waiting period
Note: ACKO Health Insurance Policy does NOT have any waiting period. If you are honest about your medical history, we will provide health insurance coverage as soon as your policy is approved.
A hospital that has an agreement with the insurance company for offering cashless hospitalisation is called a network hospital. If treated at a non-network hospital, you must raise a claim through the reimbursement procedure.
Under the cashless treatment, you need not settle the medical bills (only pay for what's not covered). The insurance company will settle the payment for your hospitalisation as per the policy terms.
To benefit from your health insurance plan, the amount you pay to the insurance company is known as a premium amount.
Some insurance companies provide cover for general health check-ups, but it may have a waiting period before you can take advantage of the benefit. However, with ACKO Health Insurance Policy, there is no waiting period applicable.
A Family Floater health insurance plan covers you and your family members such as your spouse and dependent children. Compared to individual plans, which cater to one individual, the Family Floater is robust, offering wide coverage for the family.
Generally, the critical illness cover is offered through the insurance company’s add-ons. Under this coverage, the insurer covers the policyholder’s family against critical diseases such as stroke, heart attack, and kidney failure, among others.
No, it is not mandatory to buy a health plan when you are young. You can buy it even when you cross 50. However, many health insurance companies have minimum and maximum age criteria. Check the maximum age criteria to avoid rejection of the policy.
Buying policy at an early stage helps in many ways. As you grow older, health complications may increase. The probability of suffering from lifestyle diseases such as diabetes, hypertension or thyroid may also increase. Since ageing increases the chances of claims, the health insurance policy bought at a later stage can be costly. Thus, buy a plan as early as possible.
Mediclaim policies are designed to cover basic hospitalisation costs and specific illnesses; however, the coverage or the sum insured will be compromised. Mediclaim cover can be viewed as a low-premium health insurance policy.
On the other hand, a medical insurance policy is designed to cover you comprehensively. Apart from basic hospitalisation costs, it can cover pre and post-hospitalisation costs, critical illnesses, etc. depending upon the selected cover and policy wordings.
If you want a comprehensive health cover, health insurance offers the maximum benefits and features. However, if you want limited health coverage with a low-premium health cover, then a mediclaim policy can be an option.
Please visit our dedicated health insurance glossary page to learn about common terms related to health insurance.
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Have queries related to ACKO’s Health insurance policies? Refer to our Policy Wordings for detailed information or reach out to us via email or phone using the information below
Call us on 1800 266 2256
*Except for exclusions like maternity benefits, undisclosed diseases, etc. Please check policy wording for more details.
**In case the pre-existing disease surfaces after a policy is issued. However, at the time of claim, if it is found that the policyholder did not disclose any known pre-existing diseases while buying the policy, the claim may get rejected.