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Unlimited Health Insurance Plan

Unlimited ACKO Platinum Plan that covers you from day one

✅ Zero waiting period ✅ Zero deductions at claim

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

Do you feel that no matter how much sum insured your health insurance policy offers, you still might be underinsured? Well, let’s throw that concern out of the window! Here’s presenting a health insurance plan with an unlimited sum insured. Yes, you read that right. It is indeed an ‘Unlimited Health Insurance Plan’. Here are the details.

What is the Unlimited ACKO Platinum Plan?
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An Unlimited Health Insurance Policy is a medical insurance plan that provides an unlimited sum insured. It implies you can get coverage for expensive medical treatment without worrying about exhausting the sum insured. The Unlimited ACKO Platinum Plan covers hospitalisation, day-care treatments, second opinions, emergency medical evacuation, and other medical situations. 

Main aspects of health insurance coverage with unlimited sum insured
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The Unlimited ACKO Platinum Plan comes with the following features.

  1. Unlimited sum insured 

  2. Uninterrupted insurance coverage while changing jobs

  3. Multiple built-in add-ons

  4. Coverage for expensive medical treatments 

  5. Unlimited restoration of sum insured

  6. Zero co-pay

Key features of Unlimited ACKO Platinum Plan
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Here are the two prominent features of this health plan.


Zero waiting period - Health insurance coverage from Day 01
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A standard health insurance policy has different waiting periods, for example, initial, illness-specific, disease-specific, and pre-existing disease waiting periods. If you raise a claim during this waiting period, it’s going to be rejected, and you will have to bear the medical expenses on your own. However, the Unlimited ACKO Platinum Plan has no waiting period. You are allowed to claim from Day 01 of the policy start date.


Zero deductions at claim
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A health insurance claim includes costs like hospitalisation, deductibles, non-payable medical expenses, and room rent calculation. Usually, claim settlement does not entail such inclusions. In such cases, you will have to pay a substantial amount to settle the hospital bill. But with the Unlimited ACKO Platinum Plan’s Zero Deductions feature, you get the maximum claim amount.



Inclusions: What is covered in our Unlimited Health Insurance Plan?
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You get the following coverage under the Unlimited ACKO Platinum Plan.

All medically necessary hospitalisation

Room selection of your choice

ICU fees

Vision-related surgery for injuries from an accident

Vision correction surgery when the refractive error is greater than or equal to +-7.5 dioptres

Dental treatment for injuries from an accident

Cost of organ donation


Multiple road ambulance trips

Annual health check-up


Second opinion doctor consults

Domestic Evacuation

Exclusions: What is not covered in our Unlimited Medical Insurance Policy?
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As mentioned in the above section, you get coverage for all medically necessary hospitalisation without any waiting period. But unfortunately some instances are not covered. Here is a list of such exclusions, i.e. things that are not covered under the plan.

Undisclosed pre-existing diseases

Worldwide hospitalisation coverage

Eyesight correction (less than 7.5 diopters eyesight)

Cosmetic surgery (unless necessary due to an accident)

Change-of-gender treatments

Weight control surgery

Dental treatment (unless necessary due to an accident)

Supplements and hormonal therapy

Attempted suicide

In-person doctor visits unrelated to hospitalisation

Sterility and infertility treatment

How much does Unlimited Health Insurance cost
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The cost of buying the Unlimited ACKO Platinum Plan depends on numerous parameters like the policyholder's age, location of residence, number of dependents, and more. We will calculate the premium amount for each policy based on such factors when you share some basic information while buying the plan. 

This plan offers value for money. Since there is no limit on the sum insured, you may raise multiple claims during the policy period without worrying about exhausting the sum insured. Claims can be for minor medical procedures like day-care services or major hospitalisation, for example, for treating a critical illness like cancer. 

With unlimited sum insured, you can rest assured, as features like Zero Deductions and No Waiting Period imply that you can claim from day one of the policy and get the maximum amount you have spent paying the hospital bills. 

How to claim for your Unlimited Medical Insurance
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Being a digital-first insurance provider, filing a claim under your Unlimited ACKO Platinum Plan is simple. The following two options are available for making a claim.

  1. Raising a cashless claim while being hospitalised in a network hospital.

  2. Raising a reimbursement claim after being hospitalised at any hospital of your choice. In this type of claim, you must bear the entire hospital bill and then raise a reimbursement claim.

Note that regardless of the type of claim you choose, you must inform us about it at the time of hospital admission. Then follow these steps.

Step 1: Log in to your ACKO account through the app or the website.

Step 2: Open your Unlimited Health Insurance Plan.

Step 3: Answer a few questions, upload digital copies of the documents, and click on “submit”.

We will contact you to process your claim and make sure it is settled as quickly as possible under the relevant terms and conditions.

Buy Unlimited Health Insurance Policy online
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Nowadays, you can buy almost anything using your phone, including a health insurance policy. Doing so online is also more practical than the offline method, where this process is a lot more time-consuming. For example, gathering the required paperwork, visiting the insurance company’s office or taking help from an intermediary to help you choose the best option. These steps require significant time and effort. 

However, things become much easier and faster when you buy health insurance online. You can quickly conduct research, compare plans and find the best coverage. Online policies may even cost less. Once you have narrowed your preferences, visit us at or download our app to buy the Unlimited Health Insurance Plan.

How to apply for Unlimited Health Insurance Policy
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While purchasing the coverage, if you require any support, we will be pleased to provide it. Please send an email to [email protected] or call us on 1800 266 2256 (toll-free).

Steps to buy Unlimited Medical Insurance Plan online
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Here are steps to buy the Unlimited ACKO Platinum Plan online.

Step 1: Sign up/log in with your cell phone number by downloading the ACKO app or by visiting

Step 2: Navigate to the "Health Insurance" tab and select "Get a quote".

Step 3: Enter answers to a few simple questions to get your health insurance quotation, then make the payment. 

Who is eligible to buy an Unlimited Health Insurance Policy?
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The eligibility criteria for buying Unlimited ACKO Platinum Plan are very basic. It is available to people aged 18 and above. You can insure up to 6 dependents, including two adults over 18 and up to four children between 3 months to 25 years.

Documents required to buy Unlimited Medical Insurance
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We don't believe in tedious physical paperwork, and want you to get insured without arranging for unnecessary physical documentation, such as residential documents or approval applications. Just provide the basic information about your previous and present health situation, and we will develop a personalised health insurance quote for you and your loved ones. 

How to calculate the Unlimited Health Insurance Premium amount

There are numerous factors to consider while estimating your health insurance premium, like age, location, number of dependents, etc. These elements determine how much premium you must pay. However, if you want an estimate, you can use the health insurance premium calculator.

Frequently asked questions
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Here are some common questions about health insurance and our Unlimited Sum Insured Plan.

Can I claim for multiple hospitalisations if I have the Unlimited Sum Insured Plan?


Yes, you can claim for multiple hospitalisations when you are covered under the Unlimited ACKO Platinum Plan.

What are non-payable expenses in health insurance?


Non-payable expenses include the cost of things like surgical blades, syringes, gloves, admission charges, food not provided by the hospital, etc. Usually, the insured, i.e. you, must bear these expenses, and the insurance company does not cover them under the policy. However, such charges are covered when you have the Unlimited ACKO Platinum Plan.

Is it necessary to disclose pre-existing diseases while buying the unlimited plan?


Yes, disclosing pre-existing diseases is absolutely necessary while buying the unlimited plan. Failing to do so can result in claim rejection.

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.