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ACKO Standard Health Insurance Plan

Health insurance for your entire family under one plan. Coverage for hospitalisation, newborn baby, and much more! Premium starting from Rs. 20/day*.

Zero Waiting period
Waiting period
14,300+ Cashless hospitals
Cashless hospitals
100% Bills covered
Bills covered
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Home / Health Insurance / ACKO Standard Health Insurance Plan

Welcome to ACKO, where your health is our priority. Our Standard Health Insurance Plan is designed to give you peace of mind for any future medical expenses. Let's dive into the details of this plan and understand why it's an excellent choice for you and your family.

What is ACKO Standard Health Plan?
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The ACKO Standard Health Plan is an insurance plan that provides a substantial sum insured, ensuring adequate financial assistance during medical emergencies. This plan covers a range of medical expenses, including hospitalisation, daycare treatments, post-birth complications, ambulance trips, and much more. It’s a comprehensive package tailored to meet your healthcare needs.

Key benefits of ACKO Standard Health Plan
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Zero Deductions at Claim
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We believe in transparent dealings. With our plan, you get the full claim amount for approved claims without any hidden deductions. Your claims are settled as per the policy's terms and conditions. This means that when you file a claim that falls within the scope of your coverage, you receive the entire amount you are entitled to, without any reductions for administration fees or other costs, ensuring a straightforward and reliable claims process.

Room Rent Waiver
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In a typical hospital stay, the room rent can be a significant portion of the total bill. Room Rent Waiver is an add-on feature included in the ACKO Standard Health Insurance Plan. It ensures that you have the flexibility to choose any hospital room of your preference, be it a private room, deluxe, super deluxe, or even a suite, without worrying about the associated costs

Useful Add-ons Included
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No need to pay extra for add-ons like Doctor on Call, Room Rent Waiver, and coverage for Non-medical Expenses. We've got you covered with these valuable add-ons. This comprehensive approach enhances your insurance protection and adds layers of convenience and comfort, ensuring that your health insurance plan adapts to your needs rather than the other way around.

Coverage for Critical Illnesses
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You won't need a separate policy to cover critical illnesses. We provide coverage for hospitalisation expenses related to critical conditions. This integration into your main health plan saves you the hassle and additional cost of managing multiple insurance policies. It ensures that you're covered in the event of severe health issues such as cancer, heart disease, or stroke, providing significant financial relief and support during some of life's most challenging times.

Features of ACKO Standard Health Plan
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Here is a list of features for the ACKO Standard Health Insurance Plan.



Sum Insured

10 Lakhs, 25 Lakhs, 50 Lakhs, and 1 Crore

Cashless Hospitalisation

14,300+ Pan India Network Hospitals


✅ Non-medical expenses ✅ Room rent waiver ✅ Doctor on call

Deductions on claims

Absolutely ZERO Deductions

Middleman commission

None, we cater directly to you

Pre-hospitalization Expenses

60 days

Post-hospitalization Expenses

120 days

Restore of sum insured

Allowed unlimited times

Covid-19 Treatment

Hospitalisation costs covered after 30 days

AYUSH Treatment

Requires minimum 24 hrs of hospitalisation

Tax benefits (80D)

Quick claim settlements

No Room Rent Cappings

Health Insurance Portability


Why is ACKO better?
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ACKO Standard Health Plan is better than others in the market due to the following awesome reasons.

Features of ACKO Standard Health Plan

Other plans in the market

Zero Deductions on claims

You bear all the non-medical expenses.

Zero Co-pay

Fixed copay that increases your out-of-pocket expenses.

No room rent capping

Capping on room rent. It increases your hospital bill.

Critical illnesses covered

You need to buy a separate Critical Illness Policy.

Wide coverage for senior citizens

You need to buy a separate Senior Citizen Health Plan.

Quick claim settlement

Claim settlement can take weeks.



What are the inclusions of ACKO Standard Health Plan?
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Inclusions in a health insurance plan are situations where you can make a claim. The following are the inclusions of this plan.

  • In-patient Treatment: Covers hospitalisation costs including room rent, nursing, doctor visits, and more.

  • Daycare Procedures: Covers minor surgeries that require less than 24 hours of hospital stay.

  • Pre-hospitalization: Covers treatments before hospitalisation for certain surgeries or medical issues.

  • Post-hospitalization: Covers follow-up treatment costs after being discharged from the hospital.

  • Domiciliary Treatment: Covers treatment received at home under specific conditions for a set number of days.

  • Organ Donation: Covers hospitalisation costs related to organ donation.

  • Ambulance Services: Covers the cost of hiring an ambulance for transportation to the hospital.

  • AYUSH Benefits: Covers expenses for Ayurveda, Unani, Siddha, or Homoeopathic treatments as per the policy.

  • Newborn Baby Coverage: Provides insurance coverage for a newborn baby as stated in the policy.

What are the exclusions of ACKO Standard Health Plan?
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Personal medical insurance has specific situations where you can't make a claim, known as exclusions. Here are things not covered by our standard medical insurance.

  • Intentional Injuries: If you intentionally harm yourself or attempt suicide, the insurance won't cover the treatment cost.

  • Adventure Sports Injuries: Injuries from adventurous sports activities are not covered.

  • Criminal Activities: Medical attention resulting from engaging in criminal activities isn't covered.

  • Cosmetic/Dental Surgeries: The insurance doesn't cover the cost of cosmetic or dental surgeries unless it's needed due to an accident.

  • Infertility Treatment: Costs for infertility treatments are generally not covered.

  • Coverage Not Mentioned in Policy: Any medical treatments or surgeries not specified in the policy document won't be covered.

  • Change-of-Gender Treatments: Expenses related to changing one's gender characteristics through treatment or surgery are excluded.

  • Refractive Error: Treatment expenses for correcting eyesight due to a refractive error less than 7.5 dioptres are not covered.

  • Maternity Expenses: Medical expenses related to regular childbirth, miscarriage (unless due to an accident), or lawful termination of pregnancy during the policy period are not covered.

Why choose ACKO for Health Insurance?
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Vast Network of Hospitals
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With over 7100 network hospitals, we provide a cashless claims facility for your convenience. Just call us to raise a cashless claim, and we'll guide you through the process.

Low Premium
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We sell insurance directly to you. This allows us to eliminate the middle layer of third-parties. This layer is usually responsible for increasing your premium. Thus, when you buy directly from us, you pay a lower premium.

Trusted by Millions
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Join the 7.5 Crore+ individuals who trust ACKO for their insurance needs. We cover various categories, from health insurance to motor insurance, ensuring a wide array of offerings.

How does the waiting period work in ACKO Standard Health Plan?
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The following types of waiting periods apply on your ACKO Standard health plan.

Type of Waiting Period


Initial Waiting Period

30-day waiting period from policy start date for all patients

Specific Illnesses Waiting Period

2-year waiting period for coverage of certain medical conditions

Pre-Existing Diseases Waiting Period

4-year waiting period for coverage of pre-existing diseases

How to buy ACKO Standard Health Insurance Plan
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Getting insured with ACKO is simple and quick. Here are the steps to buy our standard health plan.

  1. Visit Our Website or Download the App: Visit or download the ACKO app on your smartphone.

  2. Create Your Account: Use your mobile number to create your ACKO account and provide basic details about yourself and the individuals you want to cover.

  3. Answer a Few Questions and Review the Plan: Answer a few questions, review the plan, and make the payment. You'll receive your health insurance policy in your registered email ID’s inbox.

What is the eligibility criteria for buying ACKO Standard Health Plan?
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We want to ensure you're protected and stress-free! Here are the eligibility criteria for buying this plan.


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Anyone 18 years or older can get ACKO Platinum Health Insurance for themselves and family.


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Our plans are for Indian nationals residing in India and their families.

Note: If you're 55 or older, you need to undergo a medical checkup (PPMC) when buying insurance. It is free as ACKO will bear the cost of these medical tests.

Frequently Asked Questions (FAQs)
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Here are some common questions about ACKO Standard Health Insurance Plan.


Is ACKO Standard Health Insurance Plan the same as Aarogya Sanjeevani Policy?

While you can buy both of these plans from ACKO, they are two different health insurance products. The Aarogya Sanjeevani Policy is a basic health insurance plan with a low sum insured. On the other hand, with ACKO Standard Health Plan, you can choose a high sum insured. Other differences are listed in the respective policy wordings.

How is the premium amount calculated for the ACKO Standard Health Insurance Plan?

The premium varies based on parameters such as age, location, and the number of dependents. Use our health insurance premium calculator for an estimate.

Can I purchase the plan online?

Yes, our online process is fast and efficient. Research, compare, and select the plan that suits you, all from the comfort of your home. 

What add-ons are included with the ACKO Standard Health Insurance Plan?

Some included add-ons are Non-medical Expenses Waiver, Room Rent Waiver, Doctor on Call service, etc.

Are pre-existing diseases covered under this plan?

Undisclosed pre-existing diseases are not covered. It's essential to disclose any pre-existing conditions to avoid claim issues.

How to contact ACKO?

Have a question? We're here to help. Call 1800 266 2256 or send an email to [email protected] for prompt query resolution.

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.

West Bengal, Delhi, and Odisha urged to join AB-PMJAY
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Date: 25th September, 2023

The Health Ministry asked Delhi, Odisha, and West Bengal to join a health insurance scheme called AB-PMJAY, which helps people get quality healthcare. The scheme covers ₹5 lakh of medical expenses per family each year. 

The ministry praised this scheme as a crucial government effort to help poor people get good medical treatment. They also gave awards to states and territories that effectively implemented this scheme and a related digital health initiative. They emphasised the goal of providing affordable healthcare to everyone and highlighted the achievements and progress made in these initiatives.

IRDAI plans to make health insurance settlement cashless PAN India
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Date: 21st September, 2023

The insurance regulator IRDAI is working on making medical insurance settlements cashless nationwide. Currently, this is available in 49% of hospitals, about 25,000 in number. They've asked a committee to make a plan for implementing full cashless settlements in hospitals across India. 

About 400 million people with medical insurance policies could benefit from this change once it's in place. The goal is to achieve nationwide cashless settlements by the end of October. The committee is led by S Prakash, a former executive from Star Health and Allied Insurance Company.