Standard health insurance plans might help you financially in case of less-serious medical situations. But if you or a loved one is diagnosed with a significant disease like cancer, which typically requires frequent hospitalisation and recurring claims, you will need extensive insurance coverage. Here, 1 Cr. ACKO Platinum Super Top-up Health Insurance can be helpful. This article explains the benefits of having the 1 Cr. health plan (Super Top-up). Read on to know more.
The 1 Crore Super Top-up Plan from ACKO is a medical insurance policy with a sum insured of Rs. 1 crore. With such a high sum insured, you can rest assured knowing that you and your loved ones will be financially secured in case of medical issues. The coverage offered by this plan extends to a wide range of medical situations, such as hospitalisation, emergency medical evacuation, daycare procedures, and much more.
The benefits of choosing the 1 Cr. ACKO Platinum Super Top-up Health Insurance are listed below.
The 1 Crore Super Top-up Health Insurance raises your total sum insured when you already have insurance coverage. But you can also buy this plan without having a current policy. In this situation, you must set a deductible, pay the bill up to that level, and then file a claim for the remaining amount. In both scenarios, this plan acts as a financial safety net.
Our 1 Crore Super Top-up Health Insurance will continue to provide health insurance coverage even if you move jobs and no longer have Group Medical Coverage (GMC).
You are entitled to a tax deduction under Section 80D of the Income Tax Act for purchasing 1 Cr. ACKO Platinum Super Top-up Health Insurance.
If your 1 Crore Super Top-up Health Insurance is used up, it is completely restored unlimited times during the same policy period.
Your 1 Crore Super Top-up Health Insurance includes built-in add-ons like Non-Medical Expenses Waiver, Waiting Period Waiver, Room Rent Waiver, etc. They are a part of the plan, and you don't need to add them separately.
Life-threatening illnesses can be expensive to manage financially. As a result, customers typically purchase another plan called the Critical Illness Policy to cover these costs. However, we cover the hospitalisation fees for a variety of ailments, including life-threatening ones. This reduces the hassle of managing multiple health insurance plans.
Since this is a Super Top-up Plan, you must set a certain deductible threshold. But you can buy the plan with or without any existing health insurance coverage.
For example, consider you don’t have an existing health plan. While buying the Super Top-up policy, you must set a deductible, say Rs. 1 lakh. Then, during a medical event, you must bear the deductible amount (Rs. 1 lakh) and then raise a claim for the remaining hospital bill.
Those with an existing health plan can set the deductible to match their current plan's sum insured. For example, if the sum insured of your current health plan is Rs. 5 lakhs, setting the deductible of your Super Top-up Plan at Rs. 5 lakhs will be good. So you can claim the amount from both policies. This is how the 1 Cr. ACKO Platinum Super Top-up Health Insurance works.
The following situations are covered under our 1 Cr. plan
✅ Multiple ambulance journeys
✅ Day-care treatments
✅ Coverage for both planned and unplanned hospital stays
✅ Pre and post-hospitalisation
✅ AYUSH coverage
✅ Vision-related surgery for injuries from an accident
✅ Domiciliary Treatment
✅ Cost of organ donation
✅ COVID-19 treatment
✅ Coverage for diseases related to the eyes
✅ Vision correction surgery when the refractive error is greater than or equal to +-7.5 dioptre
✅ Dental treatment for injuries from an accident
This plan comes with a lot of benefits like zero waiting period and zero deductions, but some situations cannot be covered. Here are a few policy exclusions. The entire list is mentioned in the respective policy wordings.
❌ Worldwide hospitalisation coverage
❌ Undisclosed pre-existing diseases
❌ Sterility and infertility treatment
❌ Dental treatment (apart from accidents)
❌ Supplements and hormonal therapy
❌ Weight control surgery
❌ Eyesight correction (less than 7.5 dioptres)
❌ Cosmetic surgery (apart from accidents)
Following are some common questions about health insurance in general and our 1 Crore Super Top-up Health Insurance Plan.
The 1 Cr. ACKO Platinum Super Top-up Health Insurance is available for purchase even if you are not covered under ACKO Group Medical Coverage.
No routine dental procedures are not covered under this plan.
Yes, you can make a claim for ayurvedic treatment availed from a certified doctor if the expenses are beyond the deductible limit.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.