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10 Lakhs Health Insurance Plan

Secure your health and finances with our 10 Lakh health insurance plan.

✅ Zero waiting period ✅ Zero deductions at claim

Zero Waiting period
Waiting period
14,300+ Cashless hospitals
Cashless hospitals
100% Bills covered
Bills covered

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Home / Health Insurance / 10 Lakhs Sum Insured

Rs. 10 Lakhs Health Insurance Policy
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Your health insurance coverage’s efficiency depends heavily on the chosen policy’s sum insured. Thus, a health policy that covers you with a sum insured of Rs. 10L can provide adequate coverage for medical treatment during the policy period. This article highlights the features of the 10L ACKO Standard Health Insurance Plan. Read on to learn more.

When life throws an unexpected challenge at you, staying healthy is always easier with the support of a trusted insurance partner.

We, at ACKO, believe that maintaining health goals should not come with a limit on health expenses. Our ACKO Standard Health plans will help ensure that the health and well-being of you and your family are well looked after. 

What is 10 lakhs health insurance?
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At ACKO, we offer the 10L ACKO Standard Health Insurance Policy/Plan, which offers a sum insured of Rs. 10 lakhs. In the event that you (or a covered family member) need medical care, this medical insurance plan with a sum insured of Rs. 10 lakhs can provide enough financial support.

Benefits of health insurance coverage with Rs. 10 lakhs sum insured
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Benefits of health insurance coverage with Rs. 10 lakhs sum insured A normal medical insurance plan does not provide all the features of the ACKO Standard Health Insurance Plan with Rs. 10 lakhs. Here is how this plan can benefit you.

Restore sum insured by 100%
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If you have a sum insured of Rs. 10 lakhs, you most likely won't require top-ups or super top-ups. You can get back 100% of your Rs. 10 lakhs sum insured if your covered amount is exhausted during the policy period.

Get built-in add-ons
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A separate payment is often required when purchasing an add-on to a health plan. However, your ACKO coverage already comes with useful extras like Doctor on Call, Room Rent Waiver and more.

High sum insured
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With our best 10 lakhs sum insured health insurance plan, you will always have a significant and sufficient sum insured so that hospitalisation charges won't be an issue.

Critical illness coverage
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As treatment cost is expensive, people often pay a high premium for specific coverage that covers critical conditions. You won't need a separate insurance policy/cover for these expenses if you have our Rs. 10 lakh health plan. Under this plan, we will cover hospitalisation costs for critical illnesses.

Key features of 10L ACKO Standard Plan
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Here are the unique features of ACKO Standard Plan.


Zero deductions at claim-Get your entire claim amount for approved claims.
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The claim amount includes more than just the hospital expense. It consists of various fees, including copayments, compulsory deductibles, and non-payable medical costs. Other insurance policies may not cover these expenses. However, you won't need to worry about such deductions if you have the ACKO Platinum Health Insurance Plan. According to the terms and conditions of the policy, we shall pay the total claim amount for an approved claim.


No Room Rent Capping - Stay in your preferred hospital room without worrying about out-of-pocket expenses
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The 10L ACKO Standard Health Insurance Plan comes with the Room Rent Waiver add-on coverage. As a result, you have the flexibility to stay in any type of hospital room you prefer, be it a suite, a deluxe/super deluxe room, or a private room. We will pay the entire room rent without applying proportionate deductions on the claim amount.

Add-ons for ACKO’s Rs. 10 Lakhs Health Insurance Policy
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Your Rs. 10L ACKO Standard Health Insurance Plan includes the following add-ons.

Non-medical expenses waiver
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Our health insurance plan covers non-medical costs. These expenses include the price of syringes, sterile injections, nutritionist or dietician fees, and entry and registration fees. Typically, during a claim, insurers do not cover these costs. You must bear these charges. However, you can claim these non-medical costs under your 10L ACKO Platinum Health Insurance Plan.

Room Rent Waiver
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The 10L ACKO Platinum Health Insurance Plan includes the Room Rent Waiver add-on coverage. Thus, you have the freedom to stay in any hospital room of your choice, including a suite, a deluxe/super deluxe room, or a private room. We will pay the whole room rental amount without any conditions.

Doctor On Call
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If you need to speak with a doctor, you can schedule teleconsultations as a part of our Rs. 10 lakhs health plan. Patients and doctors recognise the importance of online consultations as they are faster and more convenient. The Doctor On Call feature of the 10L ACKO Platinum Plan makes it simple for patients to get a doctor's advice via video calls.



What is covered in ACKO’s Rs. 10 Lakhs Health Insurance Plan?
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The following are the list of items covered under our health insurance plans with 10 lakhs coverage.

  • Wider coverage for pre-hospitalisation and post-hospitalisation 

  • Medically necessary hospitalisation

  • Domestic Emergency Evacuation

  • Organ donation expenses

  • Post-birth complications

  • Multiple ambulance trips

  • Restore sum insured

  • Second opinion consultations

  • Inflation protect sum insured

The ACKO Health Insurance Plan with a Rs. 10 lakh insured does not cover the following.

  • Sterility and infertility treatment

  • Vision correction surgery for less than 7.5 dioptres

  • Maternity expenses

  • Dental treatment unless required due to an accident

  • Change-of-gender treatments

  • Resuscitation treatment for attempted suicide

  • Cosmetic surgery, unless necessary due to an injury

  • Supplements and hormonal therapy

  • Weight control surgery

How much does Rs. 10 lakhs health insurance cost?
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Since this is not a typical medical insurance plan, there are a few factors that can affect the final payable premium. The premium depends on several factors, for instance, your age, the number of dependents insured under the plan, where you live, etc. We need such essential details from you in order to determine your actual premium for the Rs. 10 Lakhs Insurance Plan.

Why should you buy Rs. 10 lakhs medical insurance from ACKO?
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Along with the advantages mentioned above and the features of our comprehensive coverage, ACKO is one of the top choices for insurance solutions due to the following factors.

  1. 13,400+ network hospitals

You can avail of the cashless claims feature at any of the 13,400+ hospitals that are in ACKO's network. To submit a cashless claim, call us, and we'll help you with the exact process.

2. Prompt customer service

Have a query running through your mind? To get your questions answered quickly, just dial 1800 266 2256 or send an email to [email protected].

3. ACKO insures over 7.5 crore people

More than 7.5 crore people rely on us for their insurance needs. We provide a wide range of services, including group health insurance for employees, auto insurance, and more.

How can I raise a claim against Rs. 10 lakhs medical insurance?
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Raising a claim against the 10L ACKO Standard Health Insurance Plan is pretty easy. A smartphone with a working internet connection is all you need to get started. Download the ACKO app on your phone, login into your ACKO account, and submit a claim from anywhere. 

How to find the right 10 lakh health insurance policy
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When selecting a 10 lakh health insurance policy, consider the following.

  1. Coverage: Look for a policy that provides comprehensive coverage for medical expenses such as hospitalisation, pre and post-hospitalization expenses, day-care procedures, etc.

  2. Network hospitals: Check if the policy offers cashless treatment at network hospitals. Ensure that the network hospitals are located in your area and are reputed.

  3. Sum insured: A 10 lakh sum insured is a good choice. However, it is important to assess your family's medical history and your lifestyle before finalising the sum insured.

  4. Premium: Compare the premiums of different insurance companies to get the best deal. However, don't compromise on coverage for a lower premium.

  5. Co-payment and sub-limits: Check if the policy has any co-payment or sub-limit clauses. Co-payment is the percentage of the claim amount that you need to pay from your pocket. Sub-limits are the maximum amount that can be claimed for specific expenses.

  6. Waiting period: Check the waiting period for pre-existing illnesses, specific treatments, and maternity benefits.

  7. Claim settlement: Research the claim settlement ratio and process of the insurance company to ensure that it is hassle-free.

  8. Add-ons: Consider the availability of add-ons such as critical illness cover, accidental disability cover, etc.

  9. Reviews: Check online reviews and customer feedback about the policy and insurance company.

  10. Renewal: Lastly, ensure that the policy has a lifelong renewal option, and there is no age limit for renewal.

How do I apply for ACKO’s Rs. 10 Lakhs Health Insurance Plan?
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You can apply for a 10L ACKO Standard Plan in the following manner.

Steps to purchase an online medical insurance plan with Rs. 10 lakhs sum insured.
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Please follow these steps to buy ACKO’s Rs. 10 Lakhs Health Plan.

Download the ACKO app on your phone or visit

Navigate to health insurance, enter your PIN code, and click on "Get quote".

Answer a few questions about yourself, your family members, and the coverage you need. Finally, check the quote. 

We will get in touch with you for further processing, including the Pre-Policy Medical Check-up. We will issue the policy once the application is approved.

Who all are eligible to buy a Rs. 10 lakhs health insurance policy?
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The 10L ACKO Standard Health Insurance Plan is available to everyone who is 18 years of age or older. This plan allows for insurance coverage of up to six dependents, including two adults over the age of 18 and children between the ages of three months and 25 years.

Documents required to buy Rs. 10 lakhs medical insurance?
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When you decide to buy 10 lakhs sum insured health insurance from us, no unnecessary physical form filling or multiple physical document submission is required. We simply need information about your past and present medical conditions to create a personalised health insurance quote for you and your loved ones. 

How to calculate Rs. 10 lakhs health insurance premium amount When calculating health insurance premiums, a number of factors must be taken into consideration, such as your age, location, number of dependents, etc. The premium you must pay to obtain the Rs. 10 Lakhs Health Insurance Policy is ultimately determined by these factors. To estimate the premium, you can use the health insurance premium calculator. You can alter some aspects, such as the level of coverage, amount of sum insured, etc., to see how the premium amount varies.

Breakdown of the 10 lakh medical insurance premium 
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The premium payable for a 10 lakh health insurance policy may be influenced by the following factors.

Types of Waiting Periods applicable on ACKO Standard Health Plan
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The following types of waiting periods are applicable on your health insurance policy.

  1. Initial Waiting Period: Every patient will have thirty days of fixed initial waiting period starting from the policy commencement date. Only accident claims can be raised during this time.

  2. Specific Illnesses Waiting Period: Some medical conditions receive insurance coverage after two years. The list of these diseases is available in the Policy Wordings.

  3. Pre-Existing Diseases Waiting Period: Coverage for these diseases will begin after four years of buying the plan, subject to timely renewals.

Frequently asked questions
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The following section answers some common questions regarding the ACKO Health Insurance Policy or even health insurance in general. Please feel free to send an email to [email protected] if you have any other questions.


What is the grace period for the ACKO Standard Health Insurance Plan?

There is a 30-day grace period following the policy's expiration. It's essential to keep in mind that you will not have health insurance cover if the policy is not renewed in time. Thus, renew the plan before it expires to keep it in force and continue receiving health insurance coverage.

Can I file a claim for my cancer treatment-related medical costs under the ACKO Standard Plan?

Yes, you can file a claim for your cancer treatment-related medical costs under the ACKO Standard Plan if you have acquired the disease after buying the policy.

Is buying a health plan with an insured amount of Rs. 10 lakhs useful?

Buying a plan with a higher insured sum does indeed provide more financial protection in the event of medical crises. It acts as a buffer against inflation and rising healthcare costs. Its main benefit is getting coverage for expensive medical procedures and other services.

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.