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Health Insurance Benefits

Health insurance benefits serve as a vital safeguard against unforeseen medical emergencies, shielding your financial stability from potential disruptions to savings and cash flows.

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Health Insurance Benefits
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With the rising healthcare costs, having a comprehensive health insurance plan is essential. In this regard, ACKO Platinum Health Insurance Plans offer numerous benefits, from preventative care to financial protection during medical emergencies. Here, we will discuss the top 5 health insurance benefits that our Platinum Plans offer. Read on to know more.

What are the top benefits of buying ACKO Platinum Plans in 2024
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Here is a list of the top 5 benefits of buying ACKO Platinum Health Insurance Plans.

Financial protection against medical emergencies
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Healthcare costs in India are rising rapidly. In such a scenario, a medical emergency can cause a significant financial burden. With ACKO Platinum Plans, you can get coverage for hospitalisation expenses, doctor consultations, surgeries, and other medical treatments. Additionally, these plans also offer cashless hospitalisation, pre and post-hospitalisation expenses, and tax benefits. Thus, you don't feel financial stress during a medical emergency.

No room rent capping
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ACKO Platinum Plans have No Room Rent Capping. In other plans with room rent capping, the hospital's bill gets affected if you choose a room that costs more than the cap. Here, you can choose any hospital room of your liking, and this will not have any implication on your hospital bill.

No deductions on the claim amount
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When making a claim, there are numerous factors to consider. These may include co-pay, deductibles, and non-payable medical expenses, among others, which can significantly increase your out-of-pocket expenses. However, with ACKO Platinum Plans, we can reduce your out-of-pocket expenses. We don't consider factors such as co-pay, deductibles, etc., while calculating the claim amount. This translates to practically zero deductions, saving you substantial money during a medical emergency.

Protection against inflation
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At ACKO, we recognise the importance of inflation protection and offer this benefit as a part of our Platinum Health Insurance Plans. Upon completing ten consecutive policy years, you will receive a percentage-based increase in the sum insured according to the plans' terms. The applicable increase under the Inflation Protect benefit is calculated based on the sum insured of the plan.

Additional coverages
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If you're looking to boost the coverage of your standard health insurance policy in India, several health insurance add-ons or riders are available for you to choose from. These additional benefits are optional and can be purchased by paying an extra premium. However, with the ACKO Platinum Plan, you don't have to worry about buying these essential add-ons separately. Features such as Room Rent Waiver, Doctor On-call, Coverage for non-medical expenses, and more are all included in the plan. 

Why is Health Insurance important?
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Health insurance is an essential financial tool that protects you financially from unexpected medical expenses. Here are some reasons why you should consider buying health insurance.

Protection from high medical costs
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Medical emergencies can arise at any time, and with the rising cost of healthcare, it is difficult for most people to bear the expenses. Health insurance provides financial protection against such emergencies.

Cashless hospitalisation
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Health insurance provides cashless hospitalisation, where the insurer directly settles the medical bills with the hospital. This makes it easier for the insured to receive medical treatment without worrying about the expenses.

Tax benefits
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Health insurance also provides tax benefits. You can get a tax benefit under Section 80D of the Income Tax Act, if you have opted for the old tax regime.

Who should buy Health Insurance?
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The following set of people should consider buying health insurance.

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Health insurance is essential for families as it provides financial protection to all family members. It also benefits families with children, as children are more prone to illnesses and accidents.

Self-employed individuals
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Self-employed individuals are not covered under any employer-provided health insurance. Thus, health insurance is essential for self-employed individuals to cover unexpected medical expenses.

Individuals with pre-existing conditions
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 Individuals with pre-existing medical conditions may face difficulties in getting insurance coverage. However, some insurance companies provide coverage for pre-existing conditions after a waiting period. Such individuals need to have health insurance coverage.

Frequently asked questions
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Here are some common questions about top Health Insurance Benefits in India.


What are the top health insurance benefits?

Health insurance benefits can vary based on the specific plan, but some of the top benefits include coverage for preventive care, pre and post-hospitalisation, emergency medical services, mental health services, and hospitalisation.

What is preventive care in health insurance?

Preventive care refers to healthcare services that are designed to prevent or detect health problems before they become more serious. This can include regular check-ups, immunisations, cancer screenings, and other wellness services that are covered by most health insurance plans.

How does health insurance cover mental health services?

Health insurance plans often cover mental health services, including counselling and therapy. This can help to ensure that individuals have access to the support and treatment they need to manage mental health conditions and improve their overall well-being.

Is health insurance expensive?

The cost of health insurance depends on various factors, including your age, health condition, and the coverage you need. However, the cost of not having health insurance can be significantly higher in the long run.

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.