Resources
ResourcesExplore the full ACKO experience and make the most of your plan
EXPLORE
Articles
Guides
Ebooks
HELP CENTER
FAQs
GET IN TOUCH
1800 266 2256

Health Insurance Plans

Safeguard Your Well-being with ACKO's Extensive Medical Insurance Plans, starting from just ₹20/Day*

✅ 100% Room Rent Covered* ✅ Zero deductions at claims ✅ 7100+ Cashless Hospitals

Health Insurance Rated by Mint

Home / Health Insurance

Buy/Renew Health Insurance Online in India
Jump Tag Icon

What is Health Insurance?
Jump Tag Icon

Health insurance, also known as medical insurance, is a vital financial tool that provides coverage for the cost of medical treatment for injuries, illnesses, and more. There are a variety of health insurance plans available, from basic in-patient hospitalization coverage to more comprehensive policies that offer additional benefits such as preventive healthcare, death benefits, and more.

Choosing the right health insurance policy or medical insurance plan can ensure you and your family are financially protected in the event of an unexpected illness or injury. Click here to read more about what is health insurance

Enhance your current sum insured by opting for our super top-up plans that provide several amazing benefits like no waiting period, coverage from day one, and many built-in add-ons. Super top-up plans offer all the benefits and coverage of a health plan, with an additional sum insured amount, for that extra cushioning during medical emergencies. Click here to find the right plan.

Discover the Outstanding Features of ACKO Health Insurance
Jump Tag Icon

Looking for comprehensive health insurance that meets all your medical needs? Look no further than ACKO. Our Platinum Health Insurance policy offers a wide range of sum insured amounts, from Rs. 10 lakhs to Rs. 1 crore, and even an unlimited option! With ACKO, you won't need to purchase multiple policies as we provide a one-stop solution for all your medical insurance requirements.

At ACKO, we understand that your health is a top priority, which is why we offer the best-in-class health policy. Our Platinum health policy come with a range of benefits such as :

ACKO HEALTH INSURANCE CATEGORIES

ACKO SPECIFICATIONS

Sum Insured

10L, 25L, 50L, 1Cr, Unlimited

Network Hospitals

7100+ PAN India

Add-ons

Included in the plan

Deductions on claims

No deductions

Middleman commission

None

Pre-Hospitalisation

60 days

Post-Hospitalisation

120 days

Why is Medical Insurance Policy important for you and your family?
Jump Tag Icon

In today's world, medical insurance policy has become a necessity rather than a luxury. With healthcare costs constantly on the rise, having a health insurance is crucial for safeguarding yourself and your family from unforeseen medical expenses. In this article, we'll discuss why medical policy is essential and why you should consider purchasing one.

By purchasing a medical insurance policy, you can secure the financial future of yourself and your loved ones. Don't delay; explore your options today!

Why ACKO Health Insurance Policy is India's Top-Ranked Health Insurance Company
Jump Tag Icon

At ACKO Health Insurance Policy, we take great pride in providing our customers with unparalleled service and coverage. Our dedication to excellence has been acknowledged by Livemint, who has ranked us as India's top-ranked health insurance company. Read more about our award-winning services and coverage. Source : Livemint

.

Top Medical Insurance Plans/Policy in India for Comprehensive Coverage by Acko
Jump Tag Icon

Discover your ideal medical 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

10L ACKO Platinum Plan
Jump Tag Icon

At ACKO, we offer the 10L Platinum Health Insurance Policy, 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.

10L ACKO Platinum Super Top-up Health Insurance
Jump Tag Icon

ACKO Platinum 10L Super Top-up Health Insurance Plans are specialised health policy that can be purchased with or without primary medical insurance coverage. These insurance policies provide coverage above the selected deductible.

25L ACKO Platinum Plan
Jump Tag Icon

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.

25L ACKO Platinum Super Top-up Health Insurance
Jump Tag Icon

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.

50L ACKO Platinum Plan
Jump Tag Icon

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.

50L ACKO Platinum Super Top-up Health Insurance
Jump Tag Icon

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 Cr. ACKO Platinum Plan
Jump Tag Icon

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.

1 Cr. ACKO Platinum Super Top-up Health Insurance
Jump Tag Icon

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 policy, and you don't need to add them separately.

Unlimited ACKO Platinum Plan
Jump Tag Icon

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.

Unlimited ACKO Platinum Super Top-up Plan
Jump Tag Icon

This Unlimited Super Top-up Health Insurance covers your medical expenses without any upper limit on the sum insured. We will cover the costs under an approved claim, no matter how expensive the treatment is.

What are the Benefits of a Medical Insurance Policy in India?
Jump Tag Icon

According to a study conducted by the Public Health Foundation of India, approximately 55 million individuals (4% of India's population) were pushed towards poverty due to high out-of-pocket expenses in 2017. We don't intend to scare you, but not having the right health plan in place can lead to both financial and emotional stress. Even though medical insurance is not mandatory in India like motor insurance, it's advisable to purchase a comprehensive health plan that covers all your medical needs. This way, you can save on hospitalization costs, reduce out-of-pocket expenses, and stay worry-free in case of medical emergencies. Read more about health insurance benefits.

Healthcare for loved ones

Best-in-class healthcare for loved ones
Jump Tag Icon

Being healthy is of utmost importance for you and your family. But sometimes unpredictable medical emergencies or illnesses can come up. Here's where medical insurance is beneficial to cover such healthcare costs. Buying the best health insurance cover in India can help meet personal medical emergency requirements. And with the right health policy, you can get best-in-class healthcare without worrying about further expenses.

Safeguard your finances

Safeguard your finances
Jump Tag Icon

A comprehensive medical insurance plan has become a necessity due to the ever-increasing costs of medical care. Without a medical insurance plan, the out-of-pocket expenses will be too high, and your financial planning can go for a toss. You may even have to borrow funds for the unexpected hospitalisation. A good medical policy ensures that your savings and finances are not heavily affected.

Cashless treatment

Cashless treatment keeps your stress at bay
Jump Tag Icon

Hospitalisation can be an emotionally and financially disturbing experience. If your medical bill is significantly high and there is a need to arrange funds, it can further amplify the stress. Cashless treatments help you access quality treatment and reduce the worry of arranging funds for quality healthcare. In cashless treatment, the entire hospitalisation expenses are borne by the insurer.

Comprehensive health plans

Holistic plans offer benefits beyond hospitalisation
Jump Tag Icon

Comprehensive health plans help cover hospitalisation costs and even other costs related to it — think medicines, diagnostic tests, doctor’s consultation fees, pre & post hospitalisation expenses, etc. Such benefits help you cover medical expenses in case of health issues.

Axe tax payouts

Axe tax payouts
Jump Tag Icon

In the recent past, the Insurance Regulatory and Development Authority of India (IRDAI) has taken many measures to simplify health plans to make them accessible and affordable for all. Considering its importance, the government offers tax benefits (under Section 80D of the Income Tax Act, 1961) on the premium paid to encourage everyone to purchase it.

Additional health coverage over and above your employer’s cover

Additional health coverage over and above your employer’s cover
Jump Tag Icon

Several organisations provide a Group Health Insurance Plan to their employees. However, this type of insurance is usually not customised according to your requirements. Having additional medical insurance is helpful in case you lose your job or move to a different organisation.

Compare Health Insurance Policies
Jump Tag Icon

When it comes to health insurance policy, coverage, benefits, and costs can differ considerably. It's crucial to compare various plans to identify the one that best suits your specific healthcare requirements and budget. Read more about how to compare health Insurance policy

ACKO Health Platinium super Top-up

Other Health Insurance Plans

ZERO -

Initial waiting period

30 DAYS -

Initial waiting period

ZERO -

Diseases-specific waiting period

1-2 YEARS -

Diseases-specific waiting period

ZERO -

Copay

FIXED -

Copay

100% -

Of all your bills covered

YOU PAY~15% -

Of your non-medical expenses

ALWAYS STAY COVERED -

After switching jobs

CAN’T CHANGE COVERAGE -

After switching jobs

NO -

Room rent limit

PAY EXTRA -

For room upgrades

Inclusions

Exclusions

Inclusions: What is Covered in Mediclaim Policy for Individuals
Jump Tag Icon

Inclusions are among the most important aspects of a health insurance policy. They help you understand the scenarios when you can raise a claim against your policy. Here are the typical inclusions or coverages of an Individual Health insurance policy. However, this may vary for different health policy.

✅ In-patient Treatment: 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.

✅ Daycare Procedures: Minor surgeries like cataract removal, tonsil removal, or similar procedures that require less than 24 hours of hospitalisation are covered under daycare procedures.

✅ Pre-hospitalisation: 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.

✅ Post-hospitalisation: The cost of follow-up treatment is covered under individual health insurance policies as per the policy's terms and conditions.

 Domiciliary Treatment: The cost of receiving treatment at home can be covered under specific circumstances for a predetermined number of days.

✅ Organ Donation: The cost of medical treatment related to donating an organ is covered as per the policy's terms.

✅ Ambulance: The cost of hiring an ambulance for transportation to the hospital will be borne as per the policy's terms and conditions.

✅ AYUSH Benefits: The cost of availing Ayurveda, Unani, Siddha or Homeopathy (AYUSH) treatment can be claimed as per the policy document.

✅ Newborn Baby Coverage: Insurance coverage for the newborn baby as per the policy's terms.

✅ Daily Cash Benefit: This is generally an add-on cover. This amount can be used to buy medicines or other essentials required by you.

Exclusions: What is Not Covered in Personal Medical Insurance
Jump Tag Icon

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.

❌ Intentional Injuries: The cost of treating intentional injuries, including attempted suicide, is excluded from the policy.

❌ Adventure Sports: Injuries arising from participating in adventure sports are not covered.

❌ Criminal Activities: Medical attention required due to participating in criminal activity is not covered.

❌ Cosmetic/Dental Surgeries: The cost of cosmetic and dental surgeries, unless required due to an accident, is excluded.

❌ Infertility Treatment: Health insurance generally does not cover the cost of infertility treatment.

❌ Not Mentioned in Policy: Any other medical treatments/surgeries that are not mentioned in the policy document will not be covered.

Note: Please find the full list of inclusions and exclusions in the policy wordings of the ACKO health plan.

What are the eligibility criteria to buy ACKO Health Policy?
Jump Tag Icon

ACKO Health Insurance Policy is a comprehensive solution for your medical insurance needs, allowing you to avoid creating a separate portfolio for your family. You can save money by purchasing a single plan that covers all your family members, including your parents-in-law.

Members aged 45 or above must undergo medical screening, i.e., per-policy medical checkup (PPMC), before the policy begins. The ACKO Health Insurance Policy does not have an exit age, allowing you to receive insurance coverage for senior citizens without worrying about the exit age.

How many dependents can we add to ACKO Health Policy?
Jump Tag Icon

You can add up to six members to your ACKO Platinum Health Insurance Plan, including two adults and up to four children. The policy is available to individuals above 18 years of age, with dependent children aged between three months to 25 years being eligible.

Eligibility Criteria

For Acko

Insured members

6 Members

Policyholder’s age

18 years and older

Dependent spouse’s age

18 years and older

Dependent children’s age

3 months - 25 years

Why should you buy health insurance at an early age? 
Jump Tag Icon

Buying health insurance at an early age has several advantages, such as:

What are the included add-ons with our health insurance policy?
Jump Tag Icon

Add-ons provide additional benefits to a basic health insurance plan. Here is a list of additional coverages included with our medical insurance policy.

Non-medical expenses

Coverage for non-medical expenses
Jump Tag Icon

These expenses are usually not covered under a basic health insurance policy - 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.

Room rent waiver

Room rent waiver
Jump Tag Icon

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 insurance plan covers the full cost of room rent irrespective of its type.

Waiting period waiver

Waiting period waiver
Jump Tag Icon

Generally, insurance companies don’t cover the cost of hospitalisation for pre-existing diseases up to a predefined time limit. This time limit is referred to as a waiting period, and it can range from a few months to a few years. However, this clause does not apply to ACKO Health Insurance Policy. Under our health plan, we will cover the cost of hospitalisation due to a pre-existing disease** from day 1.

Doctor on call

Doctor on call
Jump Tag Icon

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.

How to claim your ACKO health insurance?
Jump Tag Icon

You can settle your claims through two approaches — "cashless" and "reimbursement"

Cashless Claim

Cashless claim
Jump Tag Icon

When you get admitted to any of our network hospitals, only pay the amount that ACKO does not cover at the time of discharge. If the expenses are covered as per policy, We will pay the amount directly to the hospital. Cashless claims allow you to stay worry-free as there is no need to arrange funds for the hospitalisation.

Reimbursement claim

Reimbursement claim
Jump Tag Icon

In case of a reimbursement claim, you pay the entire medical bill on discharge when you get admitted to any hospital (not necessarily a network hospital). Post-discharge, you can request reimbursement from ACKO by registering a claim and sharing the required hospitalisation-related documents. If the claim is approved, we will compensate as per policy terms.

Health insurance with an example
Jump Tag Icon

Here's an example to illustrate how health insurance works in India. 

Priya, a 27-year-old teacher, bought the Rs. 10 Lakh ACKO Platinum Health Insurance Plan. During the policy period, she fell ill and was diagnosed with a serious condition that required hospitalisation and medical treatment.

Thanks to her health insurance coverage, Priya could receive the medical treatment she needed without paying any additional cost out-of-pocket. Since her claim was approved, ACKO covered the entire cost of her medical treatment.

In this scenario, Priya was able to receive timely medical treatment without paying the full cost of treatment, as she received treatment under the Cashless Claim facility in a Network Hospital. 

Thus, ACKO Platinum Health Insurance Plans help people like Priya get the necessary medical care and reduce their financial burden during emergencies.

Other health insurance plans available at ACKO
Jump Tag Icon

ACKO offers various health plans that cover hospitalisation costs as well as coronavirus expenses.

icon

Arogya Sanjeevani by ACKO
Jump Tag Icon

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 medical costs at an affordable premium. It is perfect for someone looking for a plan that fits their budget and meets insurance requirements.

icon

Corona Kavach by ACKO
Jump Tag Icon

The Corona Kavach Policy by ACKO is designed to secure your family against soaring COVID-19 medical costs. If you wish to buy an indemnity-based health policy to cover medical expenses due to COVID-19 treatment, ACKO's Corona Kavach policy is an option.

Why choose ACKO for all-in-one health insurance?
Jump Tag Icon

ACKO offers a dependable all-in-one health insurance plan with the following benefits:

6,500 Network Hospitals

7100+ network hospitals
Jump Tag Icon

Network hospitals let you avail of cashless claims. We have a tie-up with more than 7100+ top-rated hospitals. Fortis, Apollo Hospitals, and Multi Super Speciality hospital Medanta are a few of them. See the network hospital list →

Highly-rated app with easy access

Highly-rated app with easy access
Jump Tag Icon

Being a digital-first insurer, our primary focus is to provide an exceptional online experience via the ACKO app. You have access to features like claim registrations, teleconsultations, 24x7x365 customer support, discounts on lab tests, medicine delivery, tracking claim status, and more. Download the app →

People Covered

7.7 crore+ people covered
Jump Tag Icon

ACKO is catering to the insurance needs of over 7.7 crore customers and this number continues to increase. Not only medical insurance but ACKO successfully provides for your car and bike insurance needs as well.

ACKO Medical Inflation Protect vs NCB
Jump Tag Icon

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.

Health insurance 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.

Parameter ACKO Inflation Protect No Claim Bonus
Sum Insured 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%
Increment % 10% fixed increment every year Resets to zero if you claim and then starts again

Unique Features of ACKO Medical Policy:
Jump Tag Icon

Our Medical policy is designed to be easy to understand and offers comprehensive coverage and valuable services. Here are two significant features of the ACKO health plan.

Zero Waiting Period

Zero waiting period
Jump Tag Icon

✅ ACKO will cover your hospitalisation costs from day 1.

A waiting period on medical insurance has always put people in a soup. Anyone would naturally expect their insurer to cover the cost of treating a pre-existing disease** and get disappointed when their claim is rejected because of a waiting period. This is about to change. With ACKO Health Insurance Policy, we will cover the cost of hospitalisation due to a pre-existing disease** from day 1.

Learn more about the waiting period for health insurance.

Zero Deductions at claim

Zero deductions at claim
Jump Tag Icon

✅ ACKO will pay your entire hospital bill.

There are many factors at play when you make a claim. Things like co-pay, room rent capping, deductibles, non-payable expenses, etc. are a few of the many things that increase your out-of-pocket expenses by a great deal. When you are covered under ACKO medical insurance policy, your out-of-pocket expenses are reduced. We don’t have a cap on room rent, and you can choose any hospital room you wish. Neither do we consider things like co-pay, deductibles, etc. while calculating the claim amount. So practically, zero deductions.

Additional Key features of ACKO Health Insurance Policy
Jump Tag Icon

Yes, there are more! With ACKO health plan, you get the following additional benefits.

KEY FEATURES ACKO ADVANTAGE What It Is?
Co-pay 0% You get a “0% co-pay” benefit. Usually, other plans have a co-pay clause, which means you will need to pay a certain percentage of every hospital bill out of your pocket.
Room rent Up to your Sum Insured There are no room rent limits; you can choose a suitable hospital room for the insured members, and we will cover the expenses up to your sum insured. Other plans have room rent limits, which means part of your bill will not be covered if you go for an expensive room; it's not just the additional cost of the room, but many other costs will not be covered too.
Network hospitals 7100+ Hospitals Receive cashless treatments at over 7100+ network hospitals with best-in-country processing time (60 mins on average).
COVID-19 treatment Up to your Sum Insured All COVID-19-related (any variant) hospitalisations are covered.
AYUSH treatment 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.
Inflation protect 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.
Pre-hospitalisation (upto 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.
Post-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.
ICU fees Up to your Sum Insured All ICU fees are covered.
Ambulance charges Up to your Sum Insured All charges to transport the insured members to the hospital (via roadways) are covered.
Day-care treatment 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).

Understanding coverages of our best health insurance policy
Jump Tag Icon

Can I buy health insurance online?
Jump Tag Icon

Yes, buying health insurance online is more convenient and cost-effective compared to purchasing a similar policy offline, mainly due to the digital infrastructure of online medical insurance companies.

How do I apply for a health insurance plan?
Jump Tag Icon

There are two ways to buy health insurance plans in India: offline and online. The offline method involves extensive paperwork and visiting an agent's or insurer's office. It can be time-consuming and cumbersome.

In contrast, the online method is easy, quick, and seamless. Visit the insurer's website, such as ACKO, choose the policy, and make the payment. Online platforms also allow for easy policy renewal and digital claims processing.

Steps to buy health insurance plan online from ACKO
Jump Tag Icon

You and the family members can get insured under the best health insurance plan in India by following the below-mentioned steps.

Here’s how you can renew health insurance on ACKO.

Documents required to buy medical insurance plans in India
Jump Tag Icon

To avail of a medical insurance policy, below is the list of documents required.

Proof of age

This can include a Driving Licence, Voter's ID, Passport, Birth Certificate, etc.

Identity proof

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.

Documents required while registering a claim
Jump Tag Icon

Below is the list of documents required while raising a claim with your medical insurance provider.

Can I get tax benefits from health insurance?
Jump Tag Icon

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.

icon

How to save tax with a health/medical insurance policy?
Jump Tag Icon

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.

icon

Additional tax savings with preventive health check-up (Deduction under section 80D)
Jump Tag Icon

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.

Checklist to buy the best health insurance plan online
Jump Tag Icon

There are a plethora of health plans in India. Here are some tips for choosing the best health insurance policy that caters to your healthcare needs and fits the budget.

icon

Select the right sum insured amount
Jump Tag Icon

It is essential to select the correct sum insured amount. Hence, buy a plan depending on your age, medical conditions, location and healthcare needs. An insurance plan with a low sum insured may not support you adequately during a medical emergency.

icon

Assess your requirements
Jump Tag Icon

Individual plans are suitable for individuals who prefer health insurance only for themselves. However, if you want medical insurance covering loved ones, choose the Family Floater plan. It offers maximum benefits at a competitive price. Again, it is crucial to assess personal requirements and budget before deciding on the right plan.

icon

Benefits and services
Jump Tag Icon

Yes, it is vital to ensure that a health insurance plan doesn’t burn a hole in your pocket. However, it is more important to look beyond the premium amount and check for benefits and services that an insurer offers. For example, look for insurers that embrace the digital approach to help you save time, have positive customer reviews, and offer you comprehensive coverage.

icon

Look for the nearest network hospital in the insurer's list
Jump Tag Icon

Start by going through the list of the insurer's network of hospitals. Locate the nearest one beforehand so that you don't have to bear the hassle of finding one during an emergency. If a good hospital in your vicinity is listed as a network hospital, it will help you access cashless treatment and reduce stress. See ACKO network hospitals →

icon

Minimum waiting period
Jump Tag Icon

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.

icon

No sub-limits
Jump Tag Icon

Many health plans come with a sub-limit on diseases, treatment and room rent. These sub-limits sometimes can turn out to be a significant amount. Hence, buying a plan that does not have sub-limits is recommended to help you reduce out-of-pocket expenses. ACKO Health Insurance Policy does not have any unhappy surprises like sublimits. Check full list of features here →

icon

High Claim Settlement Ratio (CSR)
Jump Tag Icon

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.

icon

Lifetime renewability
Jump Tag Icon

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 health insurance 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.

What are the top reasons to buy medical insurance plans?
Jump Tag Icon

Here are the top reasons to buy health insurance plans.

icon

Financial protection against medical issues
Jump Tag Icon

A health insurance plan can provide substantial financial protection to cover the costs of treatment. It usually offers coverage for hospitalisation costs, tests, ambulance charges, and medication expenses.

icon

Tax benefit
Jump Tag Icon

Section 80D exempts up to Rs. 25,000 in tax (subject to changes) for paying the health insurance premium. Thus, buying a health plan can decrease your overall tax obligation.

icon

Cost-effective policies
Jump Tag Icon

The payable premium for a health cover keeps rising as you become older. It would be wise to purchase health insurance as soon as possible because the longer you wait, the more expensive the premiums become.

icon

Changing lifestyles
Jump Tag Icon

These days, chronic illnesses like diabetes, heart disease, and renal ailments are becoming increasingly common. As a result, it is crucial to buy comprehensive health insurance coverage.

How to get a physical copy of your health insurance policy
Jump Tag Icon

Here are the steps to follow if you wish to download the physical copy of your health insurance policy.

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.

How to download your health insurance policy copy?
Jump Tag Icon

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.

Alternatively, check the inbox of your registered email address for the policy and download the attachment.

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. 

Health Insurance Portability
Jump Tag Icon

Portability in health insurance refers to switching a health insurance plan from one insurer to another. As per this feature, you can port your existing health insurance plan to ACKO.

Note that porting your current health insurance plan to ACKO can only happen if the plan is due for renewal. So, if your plan is expiring soon, you can consider porting it to us. Here are some tips if you want to port your health plan to ACKO.

Buying an ACKO Platinum Health Insurance Plan is possible only after a Pre-Policy Medical Check-up (PPMC). We will call you to confirm the scheduling of the PPMC once you apply for portability. Read more about Health Insurance Portability.

Types of Health Insurance Plans
Jump Tag Icon

Here is a list of different types of health insurance plans.

Individual Health Insurance Plans
Jump Tag Icon

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 medical insurance coverage.

Learn more-->

Family-floater Health Insurance Plan
Jump Tag Icon

Immediate family members (spouse, parents, children) can be insured under the Family-floater Health Insurance Plan. Here, insured members share the total sum insured of the policy.

Senior Citizen Health Insurance Plan
Jump Tag Icon

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 Illness Insurance Plan
Jump Tag Icon

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 Insurance Plans, as you get a fixed lump sum amount in the case of an approved claim.

Group Health Insurance Plan
Jump Tag Icon

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.

Top-up Health Insurance Plan
Jump Tag Icon

People who are already covered under a health plan or those who can bear the medical expenses up to a certain threshold can opt for a Top-up Health Insurance Plan. It provides coverage beyond a fixed threshold known as a 'deductible' in insurance parlance.

How does health insurance in India work?
Jump Tag Icon

The Indian health insurance industry has gone through a paradigm shift over the last few years. Today, additional features like teleconsultations, health tracking, nudging the customer to make better changes in lifestyle, etc., are an essential part of a health policy. The end-to-end process is divided into the following stages:

icon

Stage 1 - Research
Jump Tag Icon

At this stage, it is important to know your needs. Look for suitable coverage and a good health insurance company. The research stage is crucial as it will decide what and from whom you will be buying.

icon

Stage 2 - Purchase
Jump Tag Icon

The results of your research in Stage 1 will help you find a suitable health insurance policy from a good insurer. You can make the purchase either online or offline. However, buying it online is much faster and convenient.

icon

Stage 3 - Claims
Jump Tag Icon

You need to raise a claim against a health insurance plan to get financial support from the insurance company. Some insurers need extensive paperwork for submitting claims. At ACKO, we eliminate paperwork by leveraging our digital infrastructure. This allows us to handle claims more efficiently, ensure accuracy, and achieve a faster settlement. Raise a claim through ACKO’s website or app by logging into the ACKO account. All you need to do is upload a few documents - and you’re all set!

icon

Stage 4 - Renewal
Jump Tag Icon

It is necessary to renew your health insurance plan if you are looking for continued medical coverage. Renewal is also a great opportunity to review coverage and make the required changes in the policy. For example, shift your parents to a Senior Citizen Plan if they crossed the age of 65 years during the policy period. Increase the sum insured of the policy if more members are added to the family.

Why compare health insurance plans online?
Jump Tag Icon

You should compare health insurance plans online to ensure that you buy a plan that meets your requirements without compromising the features, benefits, and services. Thus, comparing plans can ensure value for money.

Does your health insurance policy cover coronavirus treatment?
Jump Tag Icon

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. 

How to calculate health insurance premiums?
Jump Tag Icon

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 premium. 

Here are the steps to calculate health insurance premium using a calculator.

How to renew health insurance online 
Jump Tag Icon

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.

What are the factors that influence health insurance premium calculation?
Jump Tag Icon

Here are the factors that influence health insurance premium calculation.

  1. Age: The higher the age, the higher the premium. For instance, the age of the oldest member insured under the ACKO Platinum Health Insurance Plan plays a prominent role in premium calculation. 

  2. Sum insured: At ACKO, we offer health insurance plans with different sum insured amounts ranging from Rs. 25 lakhs to an unlimited amount. The premium of your health plan will depend on the sum insured amount you choose. For example, the premium for the 25 L ACKO Platinum Plan will be less than the Unlimited ACKO Platinum Plan.

  3. Location: The location of your residence is considered while calculating the premium. One reason for this is the difference in the cost of medical treatment across India. For example, people living in rural areas are usually charged less premium as compared to people living in urban areas.

  4. Number of insured members: More members results in a higher policy premium. For instance, ACKO Platinum Plans are Family-floater Health Plans. You can insure yourself, your spouse, and up to four children under our medical insurance plans. If the number of insured members is more, then you may have to pay more premium. 

  5. Medical status: Your current medical status is determined with the help of a Pre-Policy Medical Check-up (PPMC) while buying an ACKO Platinum Plan. You must also disclose your medical history when you purchase the policy. The premium will depend upon your current and past medical history.

FAQ's - Health Insurance - Buying & Renewing
Jump Tag Icon

What is the difference between health insurance and Personal Accident Cover?

Icon

Below are the differences between the two types of insurance policies.

  1. The health insurance policy offers claims towards injury, illness, and other medical conditions.

  2. Personal Accident Cover provides coverage due to accidental death while the medical insurance policy does not.

  3. Disabilities are not covered under health insurance coverage.

Can I nominate a person for medical insurance?

Icon

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.

Is a medical test mandatory for all?

Icon

Medical tests are mandatory for individuals above the age of 45 years to get coverage under ACKO Health Insurance Policy.

If my policy has expired, can I still renew my insurance policy?

Icon

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.

Can I transfer my health insurance policy from one insurer to another?

Icon

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.

Can a person have more than one health policy?

Icon

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.

How to calculate the health insurance premium amount?

Icon

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.

Health Insurance - Claims & Coverage - FAQ's
Jump Tag Icon

Are children covered in health insurance policies?

Icon

Yes, dependent children between the age of 3 months and 25 years are eligible to be covered under the policy.

Can I claim a tax exemption for the premium paid for a health insurance plan?

Icon

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.

What does permanent exclusion mean?

Icon

Diseases covered under the permanent exclusions will not be covered under the health insurance policy.

What is the maximum number of claims allowed in a year?

Icon

As per the terms and conditions, you can raise several claims during the policy period subject to a maximum of the sum insured.

What is copay?

Icon

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.

What does pre-existing disease mean?

Icon

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.

What is the annual sum insured?

Icon

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.

What is the waiting period in a health insurance plan?

Icon

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:

  1. Initial waiting period

  2. Pre-existing diseases waiting period

  3. 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.

What does network hospital mean?

Icon

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.

What do you mean by cashless hospitalisation?

Icon

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.

What do you mean by premium?

Icon

To benefit from your health insurance plan, the amount you pay to the insurance company is known as a premium amount.

What is a health check-up facility?

Icon

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.

What does Family Floater policy mean?

Icon

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. 

What does Critical Illness insurance mean?

Icon

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.

Do I need to compulsorily buy health insurance at an early stage?

Icon

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.

What is the difference between health and mediclaim insurance?

Icon

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.

Where can I learn more about common health insurance terminologies?

Icon

Please visit our dedicated health insurance glossary page to learn about common terms related to health insurance.

Discover what the media is saying about Acko Health Insurance.
Jump Tag Icon

ACKO enters Retail Health Insurance industry
Jump Tag Icon

ACKO has entered the retail health insurance industry with the goal of putting the consumer first through competitive pricing, convenience, and exceptional customer service Read more

ACKO Insurance acquires digital health platform Parentlane
Jump Tag Icon

Parentlane Co-Founder and CEO Vijay Anand will join the Acko leadership team and spearhead strategic initiatives for the company Read more

Forbes Advisor - Best Health Insurance Companies In India
Jump Tag Icon

Healthcare sector of India has progressed immensely and the main contributing factors have been the advancement of medical technology along with the expansion of health insurance Read more

General Atlantic Backed Acko Taps Into Health Insurance Space
Jump Tag Icon

Digital insurer Acko General Insurance Ltd has forayed into retail health insurance to disrupt the sector, which is primarily dominated by offline players, a top company official said.  Read More

Acko to raise up to $150 million from Multiples PE, GA, others