Healthcare costs are rising faster than ever, and even a short hospital stay can drain your savings. That’s why having the right health insurance is no longer optional, it’s essential. With ACKO, you can choose health insurance plans that go up to ₹25 lakh coverage. These plans are designed to take care of big medical bills while keeping things simple for you, no hidden costs, no complicated terms, just straightforward protection. In this article, we will walk you through the features and benefits of ACKO ₹25 lakh Standard Health Insurance Policy, and why it could be the perfect fit for you and your family.
Plans start at just ₹21/day*.
We pay 100% of your hospital bills
From syringes to surgeries
No limit on hospital room rent
No compromises on recovery
₹25 Lakh Health Insurance is a policy that offers a sum insured of Rs. 25 lakhs to the insured members. The ACKO 25 Lakhs Standard Health Plan is perfect for someone looking for adequate coverage at a budget-friendly premium. This plan takes care of your covered medical expenses in the time of need where rising healthcare costs can pose a threat to your finances.
Here are the key features of ACKO 25L Health Insurance Policy.
The ₹25L ACKO Standard Health Insurance Plan comes inbuilt with the Room Rent Waiver add-on. This means you have the freedom to select any type of hospital room you like. We will cover the entire room rent without applying proportionate deductions on your hospital bill.
Usually, your final hospital bill can include expenses for non-medical expenses, copayment and other deductibles. These expenses may not be covered under other plans in the market. But with the ₹25L ACKO Standard plan policyholders don’t have to worry about any such deductions.
Due to rising inflation, a ₹25 lakh sum insured might seem insufficient. However, our Inflation Protection feature counters this, as we will add a percentage-wise increase to the sum insured upon renewal, provided there’s no gap between the renewals.
With a ₹25 lakh health insurance plan from ACKO, you get a high sum insured that takes care of major expenses like surgeries, emergency treatments, or long hospital stays. It gives you peace of mind knowing big medical bills are covered.
ACKO’s ₹25 lakh plan is designed to cover most of your healthcare needs, including:
A medical event becomes easier to manage when the hospital bills are taken care of. This is possible through cashless claims. ACKO has a network of over 11,500 hospitals all over India. Additionally, with the recent Cashless Everywhere facility policyholders can visit non-network hospitals for cashless claims.
Health needs change as you age. That’s why ACKO offers lifetime renewability on ₹25 lakh plans. You can keep your policy active as long as you want, ensuring financial security at every stage of life.
Most people choose to buy an additional policy to get health insurance backup for serious illnesses. But with our ₹25 lakh sum insured plan, you don’t need to worry about buying a separate policy, as hospitalisation expenses for critical illnesses are already covered in the plan.
Tax benefits on health insurance are still available under the old tax regime of the Income Tax Act. Taxpayers can reduce their taxable income by submitting details about health insurance premium payments, depending upon the age of the insured members. Under Section 80D of the Income Tax Act, you can claim deductions on the premium paid, up to ₹25,000 (or ₹50,000 for senior citizens).
Choose a ₹25 lakh health insurance policy for the following reasons.
With a ₹25 lakh health insurance plan, you don’t need to worry about loans or using your savings. A high sum insured ensures that you are combating medical inflation without much financial stress.
A ₹25 lakh cover allows you to get treatment at top hospitals without worrying about expenses. From advanced surgeries to specialised tests you can get the best medical facilities when needed.
Many ₹25 lakh health insurance plans are designed to cover the entire family, spouse, children, and even parents. This way, you don’t need separate policies. Everyone gets health insurance under one comprehensive plan.
With cashless hospitalisation and simple reimbursement options, claims are processed faster so you can get the financial help when you need it the most.
Along with financial coverage, some insurers also provide benefits like free health check-ups, 24/7 helplines, and wellness programmes. These services encourage healthy living and preventive care so you can stay healthy.
Usually, add-ons are purchased separately by paying an extra premium. However, essential add-ons like Room Rent Waiver are included in your 25L ACKO Standard Plan’s premium, so you don’t have to pay extra.
With a high sum insured of ₹25 lakhs you will be free of any worries related to managing medical expenses. You don’t need to think about arranging funds or otherwise be financially prepared for a medical emergency.
Our 25 Lakhs Health Insurance Plan provides the following coverages.
✅Hospitalisation in case of a medical emergency: Policyholders can breathe easy as we cover all medically necessary hospital expenses. For example, the cost associated with the operation theatre and expenses for diagnostic tests shall be covered.
✅No cap on room rent: Your policy enables you to go with any hospital room, as it covers your room rent and also includes cover for ICU-related expenses.
✅Daycare treatments: Short-duration daycare treatments are covered under our ₹25 Lakh Health Insurance Policy without any additional premium. For example, a cataract surgery is covered and you can go home after a few hours, as this procedure does not require you to stay at the hospital for a long time.
✅Pre and post-hospitalisation expenses: 60 days pre-hospitalisation and 120 days post-hospitalisation coverage will be provided by ACKO to further reduce your expenses.
✅Ambulance trips: Each trip to the hospital in an ambulance costs money and may not be covered under a basic health insurance policy. To help lower your expenses, all ambulance trips are covered for each hospitalisation claim.
Other coverages under ACKO’s 25 lakh sum insured policy:
✅Medical treatments at home: Treatment-related expenses that need a professional setup at your home will be covered.
✅Second opinion: A second medical opinion from a doctor is often needed before hospitalisation; such consultation costs will also be covered.
✅AYUSH coverage: Ayurvedic, Yogic, Unani, Siddha and Homeopathy, treatments which some people prefer over allopathy, will also be covered as a part of your policy.
❌Undisclosed pre-existing diseases
❌Treatments for sterility and infertility
❌Maternity expenses
❌Gender change treatments
❌Eyesight correction procedures (less than 7.5 diopter eyesight)
❌Cosmetic surgeries (unless required due to an accident)
❌Dental treatments (unless required due to an accident)
❌Suicide
Note: An exhaustive list of inclusions and exclusions is available in the policy wordings of our plan.
Following are the steps to buying a ₹25L health insurance plan online.
Look for trusted insurers that offer ₹25 lakh coverage.
Check premiums, benefits, hospital networks, features, and reviews before choosing.
Go through details like inclusions, exclusions, waiting periods, and terms.
Get an estimate of how much you’ll need to pay for the plan.
Enter your personal and health details correctly.
Provide ID proof, age proof, address proof, and medical reports if required.
Pay securely via net banking, UPI, cards, or digital wallets.
Once the payment is done, your policy will be sent to you via email or available on the insurer’s app/website.
Go through the documents carefully to ensure all details are correct.
ACKO is making insurance simple and raising claims simpler. All you need to do is get the ACKO app on your smartphone and raise a claim. Here are the steps.
Now rest assured, as we will take over from here. We will ensure that your claim is processed as soon as possible.
Here’s all you need to know to buy the 25 lakh plan.
You can apply for it easily online through the ACKO app or website.
Steps to buy a 25 lakhs medical insurance plan online.
Indians aged 18 years and above are eligible to buy the 25L ACKO Standard Plan.
The following documents may be required to buy 25 lakh health insurance.
We will get in touch with you in case we need any specific documents to process your application.
ACKO Standard Health Plan includes various waiting periods that come into play once you buy the policy. Here is how it works.
For all policyholders, there is a fixed initial waiting period of thirty days, starting from the policy's start date. During this period, only accident-related claims are allowed.
Certain medical conditions become eligible for insurance coverage after a two-year waiting period. The list of these ailments will be available in your health insurance policy.
Coverage for pre-existing diseases begins after three years of policy purchase, provided that the policy remains active without any gaps.
In conclusion, a ₹25 lakh health insurance plan from ACKO gives you strong financial protection against rising medical costs. With benefits like high coverage, cashless hospitalisation, and useful add-ons, it’s designed to take care of both planned and unexpected healthcare needs. More importantly, it gives you and your family peace of mind, knowing that quality treatment will never be out of reach. Choosing this plan can be a smart step towards long-term health and financial security for your loved ones.
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Reviewed by Dr. Harshita Dahiya 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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