50L Super Top-up Health Insurance

50Lakhs 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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50 Lakhs Super Top-up Health Insurance

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Taking proactive measures can help you deal with financial challenges associated with an unpredictable medical emergency. One such measure is buying the 50L ACKO Platinum Super Top-up Health Insurance Plan. Read ahead to know how this wide-ranging health insurance policy can help you in your time of need.

What is a 50L ACKO Platinum Super Top-up Health Insurance Plan?

The ACKO 50 Lakhs Super Top-up is a health insurance plan that enhances your insurance coverage. If you already have an insurance policy, this Super Top-up can act as a financial back-up in case your primary policy’s sum insured is exhausted. You can also buy this plan without a primary cover. Here, your coverage will begin after the chosen deducible.

What distinguishes a 50 L Super Top-up Health Insurance Plan from a standard health policy?

Both plans offer a similar type of health insurance coverage. However, there is one significant distinction between a 50 Lakhs Super Top-up Health Insurance and a regular health plan, which is to set a deductible limit. Most of the time, people set it as per their current health insurance policy’s sum insured. For example, if the basic plan has a Rs. 3 lakhs sum insured, that becomes the deductible amount for the Super Top-up Plan. But you can also purchase a Super Top-up Plan without any existing health insurance coverage.

What are the benefits of the 50L ACKO Platinum Super Top-up Health Insurance Plan?
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Here is a list of benefits you get by opting for the 50L ACKO Platinum Super Top-up Health Insurance Plan.

Additional insurance coverage
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The 50 Lakhs Super Top-up Health Insurance increases the total sum insured if you already have an insurance policy. But you can purchase this plan without any existing policy as well. Here you need to set a deductible, bear the expenses up to that amount, and raise a claim for the remaining expenses. This plan serves as a financial backup in both cases.

Coverage unaffected by job switch
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Even if you change jobs and no longer have Group Medical Coverage (GMC) from ACKO, our 50 Lakhs Super Top-up Health Insurance will continue to provide health insurance coverage.

Income tax benefits
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Buying the 50L ACKO Platinum Super Top-up Health Insurance Plan entitles you to a tax benefit under Section 80D of the Income Tax Act.

Unlimited sum insured restore
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Your 50 Lakhs Super Top-up Health Insurance coverage is fully restored (unlimited times) if it is exhausted.

Coverage for useful add-ons included
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Add-ons like Non-Medical Expenses Waiver, Waiting Period Waiver, Room Rent Waiver, etc., come built-in with your 50 Lakhs Super Top-up Health Insurance. You don't have to take additional steps to add them to the plan.

High-cost medical treatments covered
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The cost of managing or treating life-threatening conditions is usually high. So people usually buy a separate Critical Illness Plan to cover the costs. You are not required to do that when you buy our 50 Lakhs Super Top-up Health Insurance, as we cover the hospitalisation costs for various illnesses, including life-threatening ones.

Major features of 50L ACKO Platinum Super Top-up Health Insurance Plan
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The 50L ACKO Platinum Super Top-up Health Insurance Plan is an excellent way to safeguard your savings in the event of a major medical emergency. The following table highlights its features. Please refer to the policy wordings for more details.

Feature ACKO Advantage
Sum Insured Rs. 50 lakhs
Copay 0%
Pre-hospitalisation 60 days
Post-hospitalisation 120 days
Room rent Up to sum insured
Daycare treatments All
ICU fees Up to sum insured
Post-birth complications Up to sum insured
Consumables Up to sum insured
Option to add family members Available
Waiting period None
Restore sum insured Unlimited
Cashless hospitals 7100+ network hospitals

Who should opt for the 50 lakhs super top-up health insurance?

A 50 L Super Top-up Health Insurance Policy can be helpful to the following people.

A Super Top-up Plan is helpful to enhance the current health insurance plan if you have one. This comes in handy when hospital charges go beyond the sum insured of the primary plan. You can use the Super Top-up Plan when the claim amount exceeds the set deductible.

How to file a claim for a 50 Lakhs Super Top-up Health Plan

To raise a claim, you must inform us when you get admitted to a hospital. You can do so with the help of either cashless or reimbursement claims. The following steps will help you raise a health insurance claim online.

Step 1: Log in to your ACKO account with the help of your computer or a smartphone.

Step 2: Click on your Super Top-up Health Insurance Plan and click "Claim".

Step 3: Share details about the claim and upload the soft copies of the required documents.

Once you submit your claim, we will get in touch for further processing.

Frequently asked questions
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Following are some common questions about Super Top-up Health Plans. In case of more queries, feel free to send an email to [email protected]

Is it a good idea to buy a Super Top-up Health Plan online?

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Yes, it is a good idea to buy a Super Top-up Health Plan online because it saves time. You can buy this plan from your smartphone as well. Additionally, the buying and the claim process would be paperless, i.e. you don't have to submit any physical documents. This makes the whole process faster.

Is it a must to have ACKO Group Medical Coverage (GMC) to purchase a 50L ACKO Platinum Super Top-up Health Insurance Plan?

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No. Purchasing the 50L ACKO Platinum Super Top-up Health Insurance Plan does not need you to be covered under a GMC policy offered by ACKO. You can purchase this plan even if you don't currently have health insurance.

Is AYUSH coverage available under 50L ACKO Platinum Super Top-up Health Insurance Plan?

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Yes, AYUSH coverage is available under 50L ACKO Platinum Super Top-up Health Insurance 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.

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