25Lakhs ACKO Platinum Super Top-up Health Insurance Plan that covers you from day one
✅ Zero waiting period ✅ Zero deductions at claim
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Consider this. You did all the necessary research and purchased a health insurance plan. Unfortunately, there was a need for hospitalisation and all your sum insured got used up! Whoa, this can be scary. But, don't worry, a Super Top-up Plan comes in handy during such situations. Read ahead to know how a Rs. 25 Lakhs Super Top-up Policy can be helpful to you.
Super Top-up Health Insurance Plans are specific health plans that you can buy with or without primary health insurance coverage. Such plans offer coverage beyond the chosen deductible amount.
The 25 Lakhs Super Top-up Health Insurance works similar to a regular health insurance policy. However, there is one major difference between a standard health plan and a Super Top-up plan. While buying a Super Top-up plan, you must set a deductible. People usually set it to match their current health plan. But having an existing health insurance policy is not necessary to buy the Super Top-up Plan.
When you need to make a claim, you must pay the bill up to the deductible (either from your pocket or from an existing health plan) that you have set and claim the remaining amount from the Super Top-up Plan. This way, you ensure maximum insurance benefits from the Super Top-up Plan.
The 25L ACKO Platinum Super Top-up Health Insurance Plan offers the following benefits.
The 25L ACKO Platinum Super Top-up Health Insurance Plan helps increase your total sum insured. You can also buy a Super Top-up Plan without any current health plan and set a deductible. This will help you with claims that go beyond a certain financial threshold.
Our Super Top-up Health Plan will continue to help you even when you switch jobs and don't have a Group Medical Coverage (GMC) from ACKO.
You can avail of a tax benefit for buying the 25L ACKO Platinum Super Top-up Health Insurance Plan by claiming a benefit under Section 80D of the Income Tax Act.
Although add-ons are known to expand coverage, they also incur additional costs. As the 25L ACKO Platinum Super Top-up Health Insurance Plan already includes helpful add-ons like the Non-Medical Expenses Waiver, Room Rent Waiver, and Waiting Period Waiver, you don’t have to pay extra for them.
Critical illnesses like kidney failure, cancer, or a heart attack can be extremely expensive to treat or manage. Thus, a separate medical insurance plan is usually needed to cover these costs. However, you can readily claim these expenses under our 25 Lakhs Super Top-up Health Insurance Plan.
We will restore the sum insured of your Rs. 25 Lakhs Super Top-up plan once, in case it gets used up during the policy period.
Our 25 Lakhs Super Top-up Health Insurance is a great way to protect your savings in case of a severe medical emergency. The following table highlight’s the policy’s key inclusions. For details, please have a look at the policy wordings.
|Primary features||ACKO Advantage|
|Sum Insured||Rs. 25 lakhs|
|Room rent||Up to sum insured|
|Post-birth complications||Up to sum insured|
|ICU fees||Up to sum insured|
|Option to add family members||Available|
|Consumables||Up to sum insured|
|Cashless hospitals||7100+ network hospitals|
|Restore sum insured||Once, up to the sum insured|
|Organ donor expenses||Covered|
|Second opinion from a doctor||Covered|
People who belong to high-risk groups benefit the most from the 25 Lakhs Super Top-up Health Insurance. Older people and those with medical histories, particularly those with serious illnesses, should ideally buy a Super Top-up Plan. Additionally, this health insurance plan is helpful when a certain medical issue, such as hereditary disorders, runs in the family.
People who have purchased a health plan with a lower sum insured may also find it helpful to purchase Super Top-up Plans. They can use it as a backup to their current health plan. So when the hospital expenses exceed the sum insured threshold of the primary plan, they can claim the Super Top-up Plan as per the set deductible.
It is possible to quickly raise a claim against your 25 Lakhs Super Top-up Health Insurance. There are two ways to raise a claim: cashless claim (available at a network hospital) and reimbursement claim (get the amount reimbursed from us after treatment).
Here are the basic steps to raise a health insurance claim from ACKO.
Step 1: Log in to your ACKO account.
Step 2: Open your health insurance plan and click "Claim".
Step 3: Answer a few questions and upload the necessary documents.
We will contact you for further processing of your claim.
Frequently asked questions
Yes, organ donor expenses are covered under the 25L ACKO Platinum Super Top-up Health Insurance Plan.
Yes, a pre-policy medical examination is needed. One of our certified doctors will call you regarding a medical evaluation after you've made payment.
No, it is not at all necessary to be covered under ACKO Group Medical Coverage if you want to buy the 25 Lakhs Super Top-up Health Insurance. You can buy this plan without any existing health insurance coverage.
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.