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Health Insurance

Health Insurance

Health insurance, also called medical insurance, is a policy that helps cover the cost of medical treatment and protects you from high healthcare expenses. It covers various expenses such as hospital stays, surgeries, day-care procedures, modern treatments, and pre- and post-hospitalisation care. But not all health insurance plans are the same. Explore ACKO's health insurance plans, designed for individuals, families, senior citizens, and people with different healthcare needs. Find the right health plan for yourself and your loved ones with ACKO today.

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  • link svgHealth Insurance Premium Calculator
  • link svgACKO Platinum Super Top-up Health Plan
  • link svgBuilt-in Benefits in ACKO Health Insurance Plans
  • link svgACKO Health Insurance Plans Exclusions
  • link svgWhy Choose ACKO Platinum Over Other Health Plans?
  • link svgWhy 8 Crore Indians Choose ACKO for Health Insurance
  • link svgGet 100% Cashless Treatment from 11,500+ Hospital of Your Choice
  • link svgTop 4 things
  • link svgHow to Buy Health Insurance Plans Online from ACKO
  • link svgHow to File a Health Insurance Claim with ACKO
  • link svgReal claims, real people
  • link svgFAQs

Choose your ACKO Health Plan

ACKO 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.

ACKO Platinum Lite Health Plan

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:

FeatureDetails
  
Sum Insured₹10 Lakh, ₹25 Lakh, ₹50 Lakh, ₹1 Crore
Waiting Period30-day initial waiting period (except accidents); 2-year waiting period for specific illnesses; 3-year waiting period for pre-existing conditions
Pre-hospitalisation Expenses60 days
Post-hospitalisation Expenses180 days
Insurance Inflation ProtectionSum Insured increased by 10% every year, up to 100% of Base Sum Insured
Co-payZero co-pay as a standard feature 
Room RentNo limits; any room of choice; no ICU day/charge limits
Hospital Bill Payment100% covered, including consumables and surgical needs
Day-care Treatment500+ Daycare treatments covered (procedures that don’t require 24-hour hospitalisation)
Domiciliary TreatmentCovered (home treatment due to medical condition or unavailability of hospital beds)
Ambulance TripsMultiple road ambulance trips covered
COVID-19 TreatmentAll variants covered
AYUSH TreatmentsCovered (Ayurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy)
Vision Care TreatmentCovers eye-related surgeries that require at least 24 hours of hospitalisation, such as cataract surgery
Accident-Related Dental TreatmentCovered
Organ Donor ExpensesAll surgery & hospitalisation expenses of donor covered
Free Yearly Health Check-upsFor all insured members aged above 18
Free Unlimited TeleconsultationsUnlimited consultations with GPs and specialists via ACKO app
Second Opinion ConsultationsConsultation costs covered
Tax BenefitsA tax deduction of up to Rs. 75,000 under Section 80D
Free Look Period30 days. Full premium refund if cancelled

ACKO Platinum Health Plan

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 PlanDetails
  
Sum Insured₹1 Crore and Unlimited, never worry about exhausting your coverage
Zero Waiting PeriodCovered from Day 1 (No waiting period)
Zero Disease-Specific Waiting PeriodNo waiting period for specific illnesses
Pre-existing Disease Waiting Period0 to 3 years based on your health
Unlimited RestorationCoverage gets restored unlimited times in a year

 

Note:  Those looking for health insurance plans for family can confidently choose the ACKO Platinum Health Plan. It is highly suitable for families seeking comprehensive, digital-first, and affordable coverage.

ACKO Platinum Super Top-up Health Plan

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.

What is a Super Top-up Plan?

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: 

  • If your hospital bill is ₹8 lakh and your deductible is ₹5 lakh:
  • You (or your existing health insurance policy) pay the first ₹5 lakh
  • The Super Top-up plan covers the remaining ₹3 lakh

Since it only steps in for the bigger expenses, a Super Top-up plan costs a lot less than a regular health insurance policy. 

ACKO Platinum Super Top-up Health Plan Sum Insured Options:

The coverage options you can choose from include ₹10 lakh, ₹25 lakh, ₹50 lakh, ₹1 crore, and unlimited coverage.

Built-in Benefits in ACKO Health Insurance Plans (No Add-ons Needed)

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.

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Unlimited Restoration of Sum Insured

Your cover restores once it gets used up.

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No Room Rent Capping

Pick any room you’re comfortable with. Single to deluxe, there are no room rent limits.

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ACKO Inflation Protect

The sum insured goes up by 10% every year, regardless of past claims. The maximum increase is up to 100% of the original cover.

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Zero Waiting Period

Many treatments are covered from day one.

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100% Hospital Bills Covered

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 Health Insurance Plans Exclusions

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.

ExclusionDescription
MaternityHospitalisation 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 ConsultationsRegular doctor visits and consultations that do not require hospitalisation are not covered.
Infertility TreatmentAny medical procedures or treatments undertaken to treat infertility are not covered.
Bariatric SurgeryWeight loss surgeries and related procedures are not covered, except in life-threatening conditions.
Cosmetic ProceduresPlastic surgery or cosmetic procedures that are not medically necessary or life-threatening are not covered.
Worldwide EmergencyMedical emergencies that occur while travelling outside India are not covered under this plan.

Why Choose ACKO Platinum Health Plan Over Other Health Insurance Plans?

Below are the key advantages of choosing the ACKO Platinum Health Plan over other health plans or a mediclaim policy in the market.

CriteriaACKO PlatinumACKO Platinum LiteOther  Market Plans
    
Sum Assured₹1 Crore and Unlimited₹10L, ₹25L, ₹50L, ₹1 CroreVaries as per the plan
Initial Waiting Period ZERO30 days 30 days
Disease-Specific Waiting PeriodZERO2 years2 years
Co-payZEROZERO Fixed (for some plans)
Bills Covered100%100%~85%
Room Rent LimitNo limitNo limitPay up to 33% for room upgrades
Pre-existing Disease Waiting Period0-3 years (based on health evaluation) 3 years 3 years

Why 8 Crore Indians Choose ACKO for Health Insurance

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.

₹400 Crore+
Claims Settled
ACKO has settled ₹400+ crores in claims. Fast, hassle-free payouts, that's our promise to every policyholder.
Claims Settled
11,500+
Cashless Hospitals
Cashless treatment at 11,500+ hospitals nationwide. No upfront payment, no paperwork, no hassle.
Cashless Hospitals
Zero
Room Rent Limits
No room rent caps or sub-limits. Choose any hospital room and get fully covered, no hidden deductions.
Room Rent Limits

“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

Find Cashless Hospitals Near You

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: 

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Max healthcare

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Manipal hospitals

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Fortis hospital

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Apollo hospitals

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Narayana hospital

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Aster Hospitals

Top 4 Things to Watch out for while Buying Health Insurance

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How to Buy Health Insurance Plans Online from ACKO

You can buy health insurance from ACKO through the website or the mobile app. Below are the steps to buy health insurance plans online.

StepWhat You Do
Step 1: Get a QuoteEnter basic details: your age, dependents, and personal information to get your personalised quote instantly
Step 2: Choose Your PlanPick from ACKO Platinum Health Plan or ACKO Platinum Lite Health Plan based on your needs and budget
Step 3: CustomiseAdjust your coverage based on what works best for you and your family
Step 4: Review and PayReview your plan details and complete payment securely online
Step 5: Get CoveredPolicy is issued as soon as processing is complete. Your coverage begins from the date of purchase.

How to File a Health Insurance Claim with ACKO

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
 

  1. Cashless Claim

    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

  2. Reimbursement Claim

    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

Real claims, Real people

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. 

Frequently Asked Questions on Health Insurance in India

Before buying health insurance, it’s completely normal to have questions. To make things easier, here are answers to some common questions people usually have while considering the best health insurance in India.

Health insurance is a type of insurance that helps pay for medical expenses when you get sick, are injured, or need hospital treatment.

Hospital treatment in India is expensive. Even a few days in a hospital can cost a lot of money. Medical insurance covers these hospital costs. You won't have to end up spending all your savings or take loans if you need medical attention. So, health insurance is crucial today.

Mediclaim policy usually covers the cost of hospitalisation due to illness or accidents. Health insurance gives coverage of hospitalisation, day care procedure, pre and post-hospitalisation, along with wellness and preventive healthcare services, subject to the policy.

The sum insured is the amount up to which your insurance company will cover your expenses in a year. The right coverage depends on your city, age and place of residence.

A family floater plan covers many family members under one shared amount.

You pay a specific percentage while the insurance company pays the rest. The plan with co-payment tends to be cheaper.

Deductible refers to the initial sum which an individual must pay for medical costs before the insurance kicks in to help cover the remaining cost.

Health insurance is important for everyone, regardless of age or health condition. Whether you are a student, working professional, self-employed, married, or retired, having health insurance helps protect you from unexpected medical expenses.

The best health insurance policy in India depends on your age, family size, health needs, budget, and the hospitals you prefer. When you compare plans based on these factors, it becomes easier to find good health insurance that works for you.

Health insurance helps when you need hospital treatment. It covers hospital stays, surgeries, and treatment costs. Many health insurance plans also help with expenses just before and after hospitalisation.

There are some expenses that are not covered. Some of them include cosmetic treatments, self-inflicted injuries and treatments without the advice of a doctor. All policies mention certain expenses that are not covered.

Usually, yes. Expenses like doctor visits, tests, and medicines taken before admission or after discharge from the hospital are covered for certain number of days as mentioned in the policy.

Many treatments today don’t need a full day in the hospital. Procedures like cataract surgery or chemotherapy are usually covered, even if you go home the same day.

A waiting period is simply a time gap. During this period, certain treatments or conditions won’t be covered, even though your policy is active.

Health conditions you already have usually come with a waiting period of a few years. Once that time is over, treatment related to those conditions is covered.

Health insurance does not pay for pregnancy costs immediately. You usually need to have the policy for a few years first. Also, every plan pays a different amount, so it’s better to check this before planning a pregnancy.

Premium is the money you pay every year to keep your health insurance active. So, the amount is mainly calculated based on various factors like how old you are and how much hospital bill you want the insurance to help pay.

The price changes based on simple factors like your age, your health, and how big a hospital bill you want covered. If the insurance may need to pay more, the yearly cost is usually higher.

Often, yes. Instead of buying separate insurance for each person, one plan covers the whole family. This usually costs less than paying for many individual plans.

Buying insurance early, choosing only the cover you really need, and avoiding extra features you won’t use can help keep the medical insurance premium lower.

Yes. Instead of paying all the money together once a year, you can split it into smaller payments, like every month or every few months. This makes paying easier, but the total amount may become a little more.

It can increase. When you become older, insurance usually costs more, just like many other things. So even if you didn’t use the insurance, the price may go up when you renew it.

Yes. The money you pay for health insurance can reduce your tax amount. This benefit is given by the government under income tax rules.

When someone is treated in a hospital, you need to inform the insurer. This can be done at the hospital itself or later online. The insurer then helps pay the hospital bill, either directly through a cashless claim or after treatment through reimbursement. This is how claims usually work under the best insurance policy in India.

Under the cashless claim, you do not make payment for the entire hospitalisation bill; rather, the insurer pays the hospital bill directly. On the other hand, under a reimbursement claim, you pay the bill first before submitting the bills to the insurer, who makes the payment after.

If you go to a hospital that is part of your insurer’s network, you only need to share your healthcare insurance details. The hospital coordinates with the insurance company, and once the claim is approved, most of the bill is settled directly, so you don’t have to pay upfront.

Since you have already made the payment for your hospital bill, you only need to provide evidence of this transaction. This involves providing the hospital bill, the prescription from the doctor, and the proof of payment.

Once all papers are submitted correctly, healthcare insurance claims are usually settled in a few days. If something is missing, it may take longer.

Yes. If the hospital is not part of your insurer’s network, you pay the bill yourself first. After that, you can submit a reimbursement claim to the insurance company to get the money back.

Claims are usually rejected when the treatment is not covered, the required waiting period is not over, or proper papers are not submitted.

First of all, you need to understand the insurer's claim rejection letter to understand the exact reason for the denial. If the claim was rejected due to missing documents, incorrect information, or a clerical error, you can submit the required documents or request the insurer to review the claim again.

Yes. After leaving the hospital, you must apply for the claim within a fixed number of days. If you apply too late, the insurer may refuse to pay.

Health insurance usually works for one year. Before the policy ends, you need to pay the next year’s amount to keep your coverage active. This applies to most of the best health insurance plans in India, and renewal can be done easily online.

If you miss the payment date for your health insurance, the insurer gives you a few extra days to pay. These extra days are called the grace period. If you pay during this time, your policy continues.

If you don’t pay on time and also miss the extra days, the insurance stops working. After that, it will not pay hospital bills until you start it again.

Yes. If your policy lapses, earlier health insurance benefits can be lost. When you start again, you may have to serve waiting periods again before certain treatments are covered, even if you previously had the best insurance policy.

Yes, policy renewal is usually the best time to increase your sum insured. Most insurers allow you to enhance your coverage at renewal, subject to their underwriting guidelines.

Yes, the right time to include family members as additional policyholders is at renewal. They might have waiting periods even if your policy is currently in operation.

Portability allows you to switch insurers without losing benefits like waiting period credits for pre-existing diseases. 

A No-Claim Bonus (NCB), also known as a Cumulative Bonus, is a reward offered by your health insurance company for not making any claims during a policy year. Depending on the policy, this bonus may increase your sum insured or provide a discount on your renewal premium, without requiring you to pay an additional premium for the increased coverage.

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.

Roocha Kanade profile avatar

Written by

Roocha Kanade

Content Architect

Dr Nitin Kumar Gupta profile avatar

Reviewed by

Dr Nitin Kumar Gupta

SVP – Health Underwriting & Claims at Acko General Insurance

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CIN: U74110KA2016PTC120161
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Customer stories
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E-books
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Financials & disclosures
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Best Car Insurance in India
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Challan Check
Check Vehicle Details
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HSRP Number Plate
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Health insurance Plans for Family
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Health Insurance for Parents
Health Insurance Premium Calculator
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