10 Lakhs Super Top-up Health Insurance Plan

10 Lakhs ACKO Platinum Plan that covers you from day one

✅ Zero waiting period ✅ Zero deductions at claim


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Buying a standard health plan may not be sufficient in a situation where you need frequent medical care. Here, you must create a backup that helps reduce out-of-pocket expenses and pay for expensive treatment. Super Top-up health plans provide this backup. In this article, we will shed light on what we offer under our 10L ACKO Platinum Super Top-up Health Insurance Plan. Read on to learn more.

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

The Ten Lakhs Super Top-up Health Insurance functions like a standard health insurance policy, but there’s one significant difference between a basic health plan and a Super Top-up Plan: while purchasing a Super Top-up Plan, you must specify a deductible. It is usually set to match the person's current health plan. However, having an existing health insurance coverage is not required to purchase the Super Top-up Plan.

If you have to make a claim, you must pay the bill up to your deductible (from your own pocket or from an existing health plan) and then claim the remaining balance from the Super Top-up Plan. This ensures that you receive the maximum claim amount from your Platinum Super Top-up Plan.

What are the advantages of the 10L ACKO Platinum Super Top-up Plan?
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The advantages of the 10L ACKO Platinum Super Top-up Plan are as follows.

Increased sum insured
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Your total sum insured increases with the support of the 10L ACKO Platinum Super Top-up Plan. You can use this to pay for expensive medical treatments that go beyond the deductible of this plan.

Income tax savings
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When you purchase the ACKO Platinum Super Top-up Health Plan, you are eligible for tax savings by claiming under Section 80D of the Income Tax Act.

Unlimited insurance coverage restoration
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If the Rs. 10 lakhs sum insured under your Platinum Super Top-up Health Plan gets depleted during the policy period, we will restore it without any additional premium.

Get multiple add-ons
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Add-ons are known to increase insurance coverage and health plan benefits. This plan includes multiple add-ons like Waiting Period Waiver, Non-Medical Expenses Waiver, Doctor on call, Room Rent Waiver, and more.

Coverage for expensive treatments
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The cost of managing or treating life-threatening conditions like heart attack, stroke, kidney failure, or cancer can be very high. People usually buy a separate Critical Illness Plan to cover such conditions. However, we cover the hospitalisation costs related to life-threatening diseases under the 10L ACKO Platinum Super Top-up Plan. Thus, you don't have to buy a separate medical insurance plan to increase coverage.

Switch jobs without losing medical insurance
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Usually, an employer's health insurance ends with the end of employment. However, this Platinum Super Top-up Health Plan allows you to claim medical expenses (after paying the deductible) even when you are no longer covered under medical insurance from the employer.

Buying 10 Lakhs Super Top-up Health insurance is an excellent way to safeguard your savings during medical emergencies. The table below highlights the policy's key features. Please refer to the applicable policy wordings for specific and detailed information.

Primary features

ACKO Advantage

Sum Insured

Rs. 10 lakhs


120 days


60 days

Room rent

Up to sum insured



Daycare treatments


ICU fees

Up to sum insured

Post-birth complications

Up to sum insured

Restore sum insured 


Option to add family members



Up to sum insured

Waiting period


Cashless hospitals

7100+ network hospitals

Emergency evacuation


COVID-19 coverage


Organ donor expenses


Second opinion from a doctor


Who should opt for a 10 Lakhs Super Top-up Health Insurance Plan?
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The 10 Lakhs Super Top-up Health Insurance Plan is particularly beneficial to people in high-risk groups. Seniors and those with a medical history, especially of serious illnesses, should purchase a Super Top-up Plan. Moreover, this health insurance plan is beneficial when a medical condition, such as a hereditary illness, runs in the family.

Super Top-up Plans may also benefit people who have a primary health plan with a lower sum insured amount. Here, such individuals can use the Super Top-up Plan as per the specified deductible when the hospital charges exceed the primary plan's sum insured limit.

How to claim the 10 Lakhs Super Top-up Health Plan
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You can easily submit a claim against your 10 Lakhs Super Top-up Health Insurance Plan. There are two methods for submitting a claim: a cashless claim (can be availed at a network hospital) and a reimbursement claim (pay the hospital bill first and then raise a claim).

Here is the basic process for filing an ACKO health insurance claim.

Step 1: Access your ACKO account through your phone or our website.

Step 2: Click on your Super Top-up Plan and click on “Claim”.

Step 3: Answer questions related to your claim and then upload the necessary documents. We'll get in touch with you to finish processing your claim.

Frequently asked questions
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Here are some frequently asked questions and their answers concerning our Rs. 10 Lakhs Super Top-up Health Insurance Plan.


Are the costs associated with organ donation covered by AKCO's 10 Lakhs Super Top-up Health Plan?

Yes, the AKCO Platinum Super Top-up Health Plan covers the costs associated with organ donation.

Should I get a pre-policy medical examination before I buy the plan?

Yes, a pre-policy medical checkup is required to buy the ACKO Platinum Super Top-up Health Plan. After you've made the payment, one of our board-certified doctors will contact you to schedule a medical evaluation.

Is having ACKO Group Medical Coverage a must to purchase the ACKO Super Top-up Plan?

No, you are not required to have ACKO Group Medical Coverage to purchase the 10 Lakhs Super Top-up Health Insurance. Even if you don't have a health insurance policy, you can buy the Super Top-up Plan.

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.