Buy Health Insurance starting at just Rs. 18/day⚡
100% cashless treatment at 11,500+ hospitals
Get 100% coverage from day 1!
Zero Waiting Period. Zero GST. Zero Agents
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100% cashless treatment at 11,500+ hospitals
Get 100% coverage from day 1!
Zero Waiting Period. Zero GST. Zero Agents
No agent commissions = You save big!
Health Insurance
Health insurance is a policy that covers your medical and hospital expenses when you need treatment. It helps you and your family get the care you need without worrying about the cost. But not all health insurance plans are the same. Choosing the right insurance company can make things a lot easier, and ACKO keeps it simple. Compare ACKO health insurance plans, customise your coverage, and get insured instantly through a fully digital process. Plans start at just Rs. 18/day with zero paperwork and fast claims.
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Health Insurance Premium CalculatorACKO Platinum Super Top-up Health PlanBuilt-in Benefits in ACKO Health Insurance PlansACKO Health Insurance Plans ExclusionsWhy Choose ACKO Platinum Over Other Health Plans?Why 8 Crore Indians Choose ACKO for Health InsuranceGet 100% Cashless Treatment from 11,500+ Hospital of Your ChoiceTop 4 thingsHow to Buy Health Insurance Plans Online from ACKOHow to File a Health Insurance Claim with ACKOReal claims, real peopleFAQsACKO offers two types of health insurance plans: the ACKO Platinum Lite Health Plan and the ACKO Platinum Health Plan. Both plans are 100% digital, so you can buy, manage, and make claims without any lengthy paperwork or multiple steps.
The ACKO Platinum Lite Health Plan (also known as the ACKO Standard Plan) is a great value option that covers all the essentials you actually need. Here’s what you get:
| Feature | Details |
| Sum Insured | ₹10 Lakh, ₹25 Lakh, ₹50 Lakh, ₹1 Crore |
| Waiting Period | 30-day initial waiting period (except accidents); 2-year waiting period for specific illnesses; 3-year waiting period for pre-existing conditions |
| Pre-hospitalisation Expenses | 60 days |
| Post-hospitalisation Expenses | 180 days |
| Insurance Inflation Protection | Sum Insured increased by 10% every year, up to 100% of Base Sum Insured |
| Co-pay | Zero co-pay as a standard feature |
| Room Rent | No limits; any room of choice; no ICU day/charge limits |
| Hospital Bill Payment | 100% covered, including consumables and surgical needs |
| Day-care Treatment | 500+ Daycare treatments covered (procedures that don’t require 24-hour hospitalisation) |
| Domiciliary Treatment | Covered (home treatment due to medical condition or unavailability of hospital beds) |
| Ambulance Trips | Multiple road ambulance trips covered |
| COVID-19 Treatment | All variants covered |
| AYUSH Treatments | Covered (Ayurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy) |
| Vision Care Treatment | Covers eye-related surgeries that require at least 24 hours of hospitalisation, such as cataract surgery |
| Accident-Related Dental Treatment | Covered |
| Organ Donor Expenses | All surgery & hospitalisation expenses of donor covered |
| Free Yearly Health Check-ups | For all insured members aged above 18 |
| Free Unlimited Teleconsultations | Unlimited consultations with GPs and specialists via ACKO app |
| Second Opinion Consultations | Consultation costs covered |
| Tax Benefits | A tax deduction of up to Rs. 75,000 under Section 80D |
| Free Look Period | 30 days. Full premium refund if cancelled |
Most health insurance plans make you wait. ACKO Platinum Health Plan doesn't. You get everything that comes with ACKO Platinum Lite, plus more benefits.
| What You Get Extra with ACKO Platinum Health Plan | Details |
| Sum Insured | ₹1 Crore and Unlimited, never worry about exhausting your coverage |
| Zero Waiting Period | Covered from Day 1 (No waiting period) |
| Zero Disease-Specific Waiting Period | No waiting period for specific illnesses |
| Pre-existing Disease Waiting Period | 0 to 3 years based on your health |
| Unlimited Restoration | Coverage gets restored unlimited times in a year |
Along with the plans above, ACKO also offers the Platinum Super Top-up Health Plan. It is a smart way to increase your coverage without paying for a whole new health insurance policy.
A Super Top-up plan is like a backup cover for very large medical bills. It starts paying only after your hospital bills exceed a certain amount, called a deductible. The deductible is the amount you pay first (either from your pocket or through your existing health insurance plan). After that, the Super Top-up plan pays the remaining bill amount.
This is how the plan works:
Since it only steps in for the bigger expenses, a Super Top-up plan costs a lot less than a regular health insurance policy.
The coverage options you can choose from include ₹10 lakh, ₹25 lakh, ₹50 lakh, ₹1 crore, and unlimited coverage.
ACKO plans already include most of the important benefits by default, so you don't have to rely on multiple add-ons or pay extra premiums. This keeps your coverage simpler, more transparent, and often more affordable.
Your cover restores once it gets used up.
Pick any room you’re comfortable with. Single to deluxe, there are no room rent limits.
The sum insured goes up by 10% every year, regardless of past claims. The maximum increase is up to 100% of the original cover.
Many treatments are covered from day one.
From surgeries to syringes, hospital bills are covered as per your policy.
“In your 20s and early 30s, healthcare often feels simple. But treatments have advanced and costs have risen. Buying health insurance early isn’t about fear, it’s about being prepared for today’s healthcare reality. ACKO health plans grow with you.”
Dr Nitin Kumar Gupta
SVP – Health Underwriting & Claims at Acko General Insurance
ACKO's health insurance policies cover most of what you'd expect, but like every health insurance plan in India, there are a few things that aren't covered. Here are some of the common ones to be aware of.
| Exclusion | Description |
| Maternity | Hospitalisation costs related to childbirth, delivery, or pregnancy complications are not covered. However, treatment for ectopic pregnancy and miscarriage due to an accident is covered. |
| OPD Consultations | Regular doctor visits and consultations that do not require hospitalisation are not covered. |
| Infertility Treatment | Any medical procedures or treatments undertaken to treat infertility are not covered. |
| Bariatric Surgery | Weight loss surgeries and related procedures are not covered, except in life-threatening conditions. |
| Cosmetic Procedures | Plastic surgery or cosmetic procedures that are not medically necessary or life-threatening are not covered. |
| Worldwide Emergency | Medical emergencies that occur while travelling outside India are not covered under this plan. |
Below are the key advantages of choosing the ACKO Platinum Health Plan over other health plans or a mediclaim policy in the market.
| Criteria | ACKO Platinum | ACKO Platinum Lite | Other Market Plans |
| Sum Assured | ₹1 Crore and Unlimited | ₹10L, ₹25L, ₹50L, ₹1 Crore | Varies as per the plan |
| Initial Waiting Period | ZERO | 30 days | 30 days |
| Disease-Specific Waiting Period | ZERO | 2 years | 2 years |
| Co-pay | ZERO | ZERO | Fixed (for some plans) |
| Bills Covered | 100% | 100% | ~85% |
| Room Rent Limit | No limit | No limit | Pay up to 33% for room upgrades |
| Pre-existing Disease Waiting Period | 0-3 years (based on health evaluation) | 3 years | 3 years |
Millions of people choose ACKO, and it's easy to see why. The plans are simple to understand, claims get settled quickly, and the whole experience is digital. You get wide coverage at an affordable price.
“When you buy from ACKO, you get support that’s ready for real-life medical needs. With 8+ crore customers and over 400 crore in claims settled across 11,500+ cashless hospitals, ACKO has handled many real cases that shape how it works in practice today.”
Kunal Kapur
Senior VP, ACKO Health Insurance
11,500+ hospitals across India. Search by city, area, or pincode to find the nearest cashless hospital in your network. A list of the top hospitals in your city includes:
Max healthcare
Manipal hospitals
Fortis hospital
Apollo hospitals
Narayana hospital
Aster Hospitals
You can buy health insurance from ACKO through the website or the mobile app. Below are the steps to buy health insurance plans online.
| Step | What You Do |
| Step 1: Get a Quote | Enter basic details: your age, dependents, and personal information to get your personalised quote instantly |
| Step 2: Choose Your Plan | Pick from ACKO Platinum Health Plan or ACKO Platinum Lite Health Plan based on your needs and budget |
| Step 3: Customise | Adjust your coverage based on what works best for you and your family |
| Step 4: Review and Pay | Review your plan details and complete payment securely online |
| Step 5: Get Covered | Policy is issued as soon as processing is complete. Your coverage begins from the date of purchase. |
At ACKO, you get two easy ways to file your claim, and you can pick whichever works best for your situation. Go cashless if you want the hospital bills sorted directly, or choose reimbursement if you've already paid and want the money back
Step 1: Initiate claim through the ACKO app in minutes
Step 2: Cashless pre-authorisation processed in as little as 1 hour
Step 3: Get treated, zero paperwork, zero upfront payment
Step 4: Bill settled directly with hospital, typically within 3 hours of discharge
Step 5: Track claim status in real time on the ACKO app
Step 1: Initiate claim through the ACKO app in minutes
Step 2: Upload hospital bills, discharge summary, medical reports
Step 3: Documents processed on centralised digital platform
Step 4: Settlement processed in as little as 1 day
Step 5: Track claim status in real time on the ACKO app
Don't take our word for it. Here's what our customers say about their claims experience with ACKO.
ACKO Health Insurance Reviews by Malya
We are happy to be associated with Acko Insurance. The discharge process was really seamless, and there was not much waiting time. I feel you are already up to the mark and doing great.
I would suggest considering all social media negative reviews carefully, as one strong review gives more impact. Initially, when I found a review on LinkedIn, I thought you were also another boat to sink, but due to word-of-mouth recommendations, which is powerful, my opinion changed, and I associated with you.
Heartfelt Gratitude for Your Prompt Approval by Navoneel
I am writing to express my sincere gratitude for the prompt approval during my wife's hospitalisation. Your efficiency played a crucial role in my early discharge, allowing me to recover comfortably at home with my family.
The speed at which you processed my request not only reduced my stress but also reassured me that choosing Acko for my health insurance was indeed the right decision. In times of medical need, having a reliable and supportive insurance provider makes a world of difference, and your seamless service has truly exceeded my expectations.
My family and I are deeply appreciative of the seamless experience and the peace of mind it has given us. Thank you once again for your dedication and commitment to ensuring a smooth and timely process. I will certainly recommend Acko to my friends and family for the exceptional service you provide.
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 1800 266 2256 or [email protected] for any queries.
Written by
Roocha Kanade
Content Architect
Health Insurance content enthusiast who turns complex topics into easy, binge-worthy reads—fueled by SEO, creativity, and way too much chai! Loves juggling multiple projects, cracking impossible deadlines, and sprinkling humor into the mix. When not geeking out over digital trends, you'll find her lurking on Quora and Reddit, planning the next getaway, or passionately decoding all things health and insurance!
Reviewed by
Dr Nitin Kumar Gupta
SVP – Health Underwriting & Claims at Acko General Insurance
SVP – Health Underwriting & Claims at Acko General Insurance — With 20+ years of experience driving digital transformation and profitable growth, I am a seasoned Senior Insurance Executive specialising in Health, Life, Accident, and Disability insurance. Backed by an MBBS degree and advanced insurance designations (FLMI, FALU, FLHC, ACS, ARA), I bring a unique blend of medical expertise and deep insurance-domain leadership. My core strength lies in optimising underwriting and claims operations, enabling automation-led scalability for both large insurers and digital-first startups.
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