Unlimited Super Top-up Health Insurance
Unlimited 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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Be it an accident, a disease, or a long-term ailment, the cost of treatment can drain your savings if you don't have a backup. Here, you might be able to handle minor medical emergencies with the help of standard health insurance plans, but extensive coverage is necessary if you or a loved one is diagnosed with diseases like cancer, kidney failure, or a cardiovascular disorder that usually require frequent hospitalisation and recurring insurance claims. Unlimited ACKO Platinum Super Top-up Health Insurance Plan can provide a helping hand in such a situation. This article highlights how a health insurance plan with an unlimited sum insured can assist you.
What is Unlimited ACKO Platinum Super Top-up Health Insurance Plan?
Unlimited ACKO Platinum Super Top-up Health Insurance Plan refers to a medical insurance plan that offers an unlimited sum insured. It means you can claim any amount under this plan, and we will pay the expenses for approved claims. With this truly unlimited policy, you can rest assured as you and your loved ones shall be financially protected in case of medical problems. This plan provides coverage for medical events including hospitalisation, daycare treatments, second opinions, emergency medical evacuation and much more.
Benefits of Unlimited ACKO Platinum Super Top-up Health Insurance Plan
The Unlimited ACKO Platinum Super Top-up Health Insurance Plan offers the following benefits.
Unlimited sum insured
You can be completely stress-free about any possible medical expenses with our Unlimited Super Top-up Health Insurance Plan. You can choose a deductible and purchase this Super Top-up Plan without an existing health plan.
Uninterrupted insurance coverage while changing jobs
Even if you change jobs and no longer have ACKO Group Medical Coverage (GMC), our Unlimited Super Top-up Health Insurance will continue to cover you and your dependents.
Income tax benefits
You can get a tax deduction for purchasing the Unlimited ACKO Platinum Super Top-up Health Insurance Plan by claiming a benefit under Section 80D of the Income Tax Act.
Multiple built-in add-ons
We wanted to save you the hassle of buying add-ons separately. So, add-ons like Room Rent Waiver, Non-Medical Expenses Waiver, and Waiting Period Waiver are already a part of your Unlimited Super Top-up Health Insurance Policy.
Expensive medical treatments covered
Medical procedures like bone marrow transplant, liver transplant, tracheotomy, open heart surgery, etc., can be highly expensive. Usually, people buy a separate Critical Illness Health Plan to cover such procedures. But since Unlimited ACKO Platinum Super Top-up Health Insurance Plan offers a truly unlimited sum insured, you can claim such treatments under the plan.
Inclusions
Exclusions
What is covered under the Unlimited ACKO Platinum Super Top-up Health Insurance Plan?
The following is a list of coverages of the Unlimited ACKO Platinum Super Top-up Health Insurance Plan.
✅ Coverage for both planned and unplanned hospital stays
✅ Daycare treatments
✅ Pre and post-hospitalisation
✅ Multiple ambulance journeys
✅ Cost of organ donation
✅ Domiciliary Treatment
✅ AYUSH coverage
✅ COVID-19 treatment
✅ Vision-related surgery for injuries from an accident
✅ Vision correction surgery when the refractive error is greater than or equal to +-7.5 dioptres
✅ Coverage for diseases related to the eyes
✅ Dental treatment for injuries from an accident
Exclusions of the Unlimited ACKO Platinum Super Top-up Health Insurance Plan
The following situations are not covered under the Unlimited ACKO Platinum Super Top-up Health Insurance Plan.
❌ Maternity expenses
❌ Worldwide hospitalisation coverage
❌ Change-of-gender treatments
❌ Undisclosed pre-existing diseases
❌ Cosmetic surgery (apart from accidents)
❌ Sterility and infertility treatment
❌ Weight control surgery
❌ Dental treatment (apart from accidents)
❌ Eyesight correction (less than 7.5 dioptres)
❌ Supplements and hormonal therapy
❌ Suicide
What are the key features of the Unlimited ACKO Platinum Super Top-up Health Insurance Plan?
The Unlimited ACKO Platinum Super Top-up Health Insurance Plan comes in handy during medical emergencies. Here are the key features of this plan. For more details, please check the policy wordings.
| Key features | ACKO Advantage |
|---|---|
| Sum insured | Unlimited |
| Emergency evacuation | Available |
| Room rent | Unlimited |
| Copay | 0% |
| Pre-hospitalisation | 60 days |
| Post-hospitalisation | 120 days |
| Consumables | Unlimited |
| ICU fees | Unlimited |
| Cashless hospitals | 7100+ network hospitals |
| COVID-19 coverage | Available |
| Daycare treatments | Covered |
| Option to add family members | Available |
| Waiting period | Not applicable |
| A second opinion from a doctor | Covered |
| Organ donor expenses | Covered |
Who should opt for Unlimited Super Top-up Health Insurance?
Unlimited Super Top-up Plans are particularly advantageous to those who are in high-risk groups. For instance, older adults and those with a concerning medical history, particularly serious diseases, should buy this policy. It is especially beneficial in cases where a particular medical problem, such as hereditary disorders, is prevalent within a family.
People who have purchased a health plan with a lower sum covered may also find it helpful to buy an Unlimited Super Top-up Plan, as it can be of assistance while covering treatments that are considered too expensive.
How to file a claim for an Unlimited Super Top-up Health Plan
Raising a claim against your Unlimited ACKO Platinum Super Top-up Health Insurance Plan is easy, as we are a digital-first insurance company. You have the option to raise your health insurance claim online at your convenience.
You can raise a claim in the following two ways.
By getting admitted to a network hospital and submitting a cashless claim.
By getting admitted to any hospital of your choice, paying the entire bill, and then raising a reimbursement claim.
Note that you must inform us about your claim at the time of admission, irrespective of the type of claim you are opting for.
Once the type of claim is decided, you must follow these steps to submit the details.
Step 1: Log in to your ACKO account.
Step 2: Open your Unlimited Super Top-up Health Plan section.
Step 3: Share the necessary details, upload digital copies of the documents, and submit the claim.
ACKO will contact you to process your claim and ensure that the claim settlement is completed in the fastest manner possible as per the applicable terms and conditions.
Frequently asked questions
Following are some common questions and the answers about the Unlimited Super Top-up Health Insurance Plan.
Can I choose a hospital room of my choice and make a claim under the Unlimited Super Top-up Health Insurance Plan?
Yes, you are free to choose a hospital room of your choice and make a claim under the Unlimited Super Top-up Health Insurance Plan. Room rent capping is not applicable to this plan.
What are some examples of consumables in health insurance claims?
Some examples of consumables are surgical blades, bandages, syringes, admission fees, etc. These come under non-payable medical expenses in case of health insurance claims from other insurers. However, with the Unlimited ACKO Platinum Super Top-up Health Insurance Plan, you get unlimited coverage for consumables.
I want to purchase the Unlimited ACKO Platinum Super Top-up Health Insurance Plan. Is it compulsory to have the ACKO Group Medical Coverage to buy it?
It is not compulsory to have the ACKO Group Medical Coverage if you want to purchase our Unlimited Super Top-up Plan or any other existing health plan. You can directly purchase it, set a deductible, and claim for expenses exceeding the threshold.
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.
