25L Super Top-up Health Insurance

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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25 Lakhs Super Top-up Health Insurance

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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.

What is 25 Lakhs Super Top-up Health Insurance?

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. 

How is a 25 Lakhs Super Top-up Health Insurance plan different from a normal plan?

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.

What are the benefits of a 25L ACKO Platinum Super Top-up Health Insurance Plan?
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The 25L ACKO Platinum Super Top-up Health Insurance Plan offers the following benefits.

Higher total sum insured
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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.

Adjust your cover when you switch jobs
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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.

Income tax benefits
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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.

Unlimited sum insured restore
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If the Rs. 25 lakhs sum insured of your Super Top-up Health Plan gets exhausted, we will restore it unlimited times.

Numerous add-ons included
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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.

Coverage for expensive medical treatments
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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.

Primary features of 25L ACKO Platinum Super Top-up Health Insurance Plan
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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
Pre-hospitalisation 60 days
Post-hospitalisation 120 days
Copay 0%
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
Restore sum insured Unlimited
Waiting period None
Cashless hospitals 7100+ network hospitals
Daycare treatments Covered
COVID-19 coverage Available
Organ donor expenses Covered
Emergency evacuation Available
Second opinion from a doctor Covered

Who should opt for a 25 Lakhs Super Top-up Health Insurance Plan?

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.

How to file a claim for the 25 Lakhs Super Top-up Health Plan

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
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Frequently asked questions

Are organ donor expenses covered under 25L ACKO Platinum Super Top-up Health Insurance Plan?

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Yes, organ donor expenses are covered under the 25L ACKO Platinum Super Top-up Health Insurance Plan.

Should I have a pre-policy medical checkup before purchasing the plan?

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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.

Is it necessary to be covered under ACKO Group Medical Coverage if I want to buy the 25L ACKO Platinum Super Top-up Health Insurance Plan?

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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.

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