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100% cashless treatment at 11,500+ hospitals
Get 100% coverage from day 1!
Zero Waiting Period. Zero GST. Zero Agents
No agent commissions = You save big!
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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How Does Health Insurance Work in India?Types of Health Insurance Plans in IndiaWhat are the Key Benefits of buying a Health Insurance Plan?What is Covered in a Health Insurance Policy?What is Not Covered in a Health Insurance Policy? Health Insurance Riders and Add-onsWhat is a Waiting Period in Health Insurance?Common Health Insurance Terms (Glossary)Mediclaim vs Health Insurance: What's the Difference?Health Insurance Tax Benefits Under Section 80DZero GST on Health Insurance Premiums in IndiaHealth Insurance Premium CalculatorFactors That Affect Your Health Insurance PremiumHow to Reduce Your Health Insurance PremiumHealth Insurance by Age GroupHealth Insurance by Family SizeHealth Insurance Premium Comparison by City TierHow to Choose the Right Health Insurance Plan: A Buying ChecklistEligibility Criteria to Buy Health Insurance in IndiaWhy Health Insurance is Important in IndiaCommon Health Insurance MythsHealth Insurance Portability: How to Port Your Health Insurance PolicyHow to Buy ACKO Health Insurance OnlineGet 100% Cashless Treatment from 11,500+ Hospital of Your ChoiceHow to File a Health Insurance Claim with ACKOCommon Reasons Health Insurance Claims Get Rejected What are No Claim Bonus and Loyalty Benefits in Health Insurance? How to Renew Your Health Insurance OnlineDocuments Required to Buy Health InsuranceDocuments Required to Claim Health InsuranceWhy Choose ACKO Health Insurance?ACKO Platinum Super Top-up Health PlanBuilt-in Benefits in ACKO Health Insurance PlansReal claims, real peopleFAQsHealth insurance is a contract made between you and your insurance company. Here is how it works:
Choose your health insurance policy depending on your healthcare requirements and select the right sum insured. In exchange for paying your premium and keeping your policy active, the insurer will take care of your medical bills as per your health insurance policy terms. Based on the insurer, you can pay premiums monthly, quarterly, semi-annually, or annually.
In case of your diagnosis of any illness, accident injury, or even for getting medical treatment, you can make use of your health insurance policy.
You have two methods for filing your health insurance claim:
Geeta buys a health insurance policy with a ₹10 lakh sum insured and pays the premium every year. A few months later, she is hospitalised for dengue at a network hospital. Since the treatment is covered under her policy, the insurer settles the hospital bill directly with the hospital through the cashless claim process. Geeta only pays for expenses that aren't covered under her policy, if any.
Health insurance plans are designed to meet different needs and life situations. So, depending on who you are, why you are buying the policy, and what kind of coverage you need, you can choose the best health insurance plan in India that fits your needs.
Here are some of the common types of health insurance plans and how they work.
An individual health insurance policy provides coverage for the medical expenses of one person. It covers hospitalisation, treatments, prescribed medicines, and other medical costs based on the sum insured chosen by the buyer. It is one of the best choices when you are buying health insurance exclusively for yourself.
A family floater health insurance policy covers various members of your family. You will be covered along with your spouse, children, and, in some cases, dependent parents. Here, you need to note that the sum insured that you opt for will be shared amongst all the insured members of the family.
Health insurance policies formulated for senior citizens are developed considering the health requirements of individuals in their old age. They help cover age-related health issues, regular doctor visits, hospital stays, and longer recovery periods. Moreover, most senior citizen health insurance policies offer reduced waiting periods for particular illnesses. This is done to ensure that elderly people are able to get the necessary treatment promptly.
Top-up and super top-up plans offer additional coverage over and above your existing health insurance policy. This could be an individual plan or health insurance provided by your employer. Top-up and super top-up plans give you extra health cover when your existing sum insured may not be enough for larger medical expenses.
In case of a serious illness, like cancer, heart attack, or stroke, a critical illness insurance plan offers a lump sum amount. You can utilise the lump sum amount for covering treatment costs, everyday expenses, or handling income loss during recovery.
People who want coverage for a specific illness, like diabetes, cancer, or heart issues, can purchase disease-specific health insurance plans. For example, if you have diabetes, a disease-specific plan can make managing diabetes a little easier by assisting with routine testing, doctor visits, and continuing treatment.
Let's explore some of the main advantages of health insurance and understand why it is important in your everyday life:
Healthcare costs are increasing every year, and even basic treatments can be expensive. A health insurance plan or medical insurance policy helps you manage these costs by covering a large part of your treatment expenses, so you don’t have to pay everything on your own.
A sudden illness or accident can lead to last-minute hospital bills. A medical health insurance plan makes sure that your hard-earned savings for important life goals like your child’s education, a home, or future plans are not affected by medical emergencies.
Health insurance gives you access to cashless treatment at network hospitals. It means eligible medical expenses will be settled directly by the insurer. This helps reduce stress and allows you to concentrate on recovery without worrying about arranging funds for treatment.
Health insurance is not limited to hospitalisation alone. It also helps cover expenses like day care procedures, pre- and post-hospitalisation treatment, ambulance charges, and other medical costs. However, it depends on your policy, so choose the right health insurance plans for family that feel right for you and your loved ones.
With the best health insurance plan in India, you can choose better hospitals and doctors without worrying about the cost of treatment. This ensures timely and quality medical care when the medical care is needed.
Many health insurance policies or medical insurance plans also support the treatment of serious illnesses that need care over a longer period. This makes it easier for you and your family to continue treatment without constantly worrying about the cost.
When you buy health insurance, the premium you pay qualifies for tax benefits under Section 80D of the Income Tax Act, 1961. This helps you save on taxes.
The list below provides you with details of what's normally covered under a health insurance plan.
If you have to get admitted to a hospital for treatment, health insurance/medical insurance takes care of the expenses of room rent, ICU charges, surgery, doctors fee, nursing, etc. This makes hospital stays easier to manage, especially during medical emergencies.
Not all of the medical expenses happen during hospitalisation. Health Insurance takes care of the expenses incurred before and after hospitalisation, within the defined time period. This can include doctor consultations, medical tests, follow-up visits, and medicines related to the treatment.
Some treatments do not require an overnight stay in the hospital. Health Insurance covers several such day care procedures (treatments/surgeries requiring less than 24 hours of hospitalisation).
It is crucial to reach the hospital in times of an emergency. The ambulance charges are included in the health insurance plans, too. This would help prevent extra costs in such cases.
Many health Insurance plans also cover Ayush treatments (Ayurveda, Yoga, Unani, Siddha, and Homoeopathy). This gives you the flexibility to choose treatment methods you are comfortable with.
In case of any organ transplant, medical expenses related to the organ donor can also be covered as per the policy terms. It helps remove the financial stress that comes with complex medical procedures.
Mental health conditions are treated just like physical illnesses. Health Insurance plans provide treatment and hospitalisation facilities for mental health conditions, in line with applicable guidelines.
Some treatments can be safely taken at home under medical supervision. Health Insurance covers eligible home healthcare services when hospitalisation is not necessary, but medical care is still required.
Many health insurance policies cover the treatment for COVID-19, which includes hospitalisation as well as other medical expenses as per the terms and conditions of the policy.
There are a few situations where your health policy won’t apply, which is fairly common across most health insurance plans. Some of the common exclusions include:
Medical expenses related to pre-existing conditions are not covered during the waiting period mentioned in the policy. Once this period is completed, coverage for these conditions begins.
Any form of treatment that is solely for aesthetic purposes will not be covered by medical health insurance. However, in case a cosmetic surgery becomes necessary as a result of an accident or disease, then coverage may apply as per policy terms.
Any medical cost related to injury or ailment caused by self-harm is not covered under the health insurance policy.
Events like war, invasion, and other such situations are not covered under the health insurance policy.
Injuries during participation in adventure sports will not be covered by the health insurance policy.
Most health insurance plans don't cover treatment outside India. You'll need to add international coverage if you want this benefit.
Health insurance riders or add-ons let you customise your base health insurance plan. They help cover certain costs or situations that may not be fully covered by the standard health policy.
| Cover | What it does |
| Critical illness | Lump sum on diagnosis of a listed illness (cancer, heart attack) |
| Maternity & newborn | Covers delivery expenses and newborn care after the applicable waiting period |
| Room-rent waiver | Removes the cap on hospital room rent |
| Personal accident insurance | Death or disability from an accident |
| Hospital cash | Fixed daily amount while admitted |
| OPD cover | Doctor visits, tests and chemist bills outside the hospital |
If you purchase a health insurance plan, not every benefit is available from day one. There are certain illnesses that will have a waiting period during which you cannot make claims. This waiting period is called a waiting period, and it depends on your plan and illness.
| Type | Usual length |
| Accidental hospitalisation | No waiting period. Coverage starts from day one |
| Initial (ordinary illness) | Generally 30 days from the policy's start date. |
| Specific listed illnesses (cataract, hernia, knee) | Up to 24 months |
| Pre-existing diseases (PED) | Up to 36 months |
| Maternity | Generally 2-4 years |
| Term | Simple Meaning |
| Premium | Money you pay for your insurance. |
| Sum Insured | Maximum amount your policy covers. |
| Claim | Request for insurance payment. |
| Coverage | What your policy pays for. |
| Network Hospital | Hospital approved by your insurer. |
| Cashless Claim | Insurer pays the hospital directly. |
| Reimbursement Claim | You pay first, insurer refunds later. |
| Waiting Period | Time before some benefits start. |
| Pre-existing Disease | Illness you had before buying insurance. |
| Deductible | Amount you pay before insurance pays. |
| Co-pay | Your share of the medical bill. |
| Room Rent Limit | Maximum room cost covered per day. |
| No Claim Bonus (NCB) | Reward for not making claims. |
| Family Floater | One policy for the whole family. |
| Exclusions | Things your policy doesn't cover. |
| Policy Term | How long your policy lasts. |
| Grace Period | Extra time to renew your policy. |
| Add-ons / Riders | Extra coverage you can buy. |
| Portability | Switch insurers without losing benefits. |
| Claim Settlement | Approval and payment of your claim. |
Many people think mediclaim and health insurance are the same, but they have some important differences.
| Feature | Mediclaim | Health Insurance |
| Coverage | Covers hospitalisation expenses. | Covers hospitalisation along with a wider range of medical expenses and benefits. |
| Sum insured | Usually offers lower coverage amounts. | Offers a wider range of sum insured options, including high-value coverage. |
| Pre- and post-hospitalisation | Limited or available as per the policy. | Usually covered, subject to policy terms. |
| Day-care procedures | May be covered depending on the policy. | Commonly covered under most comprehensive plans. |
| Add-on covers | Limited options. | Offers add-ons such as critical illness, maternity, personal accident, and more. |
| Wellness benefits | Generally not available. | May include preventive health check-ups, wellness programmes, and other benefits. |
Health insurance or medical insurance doesn’t just help with medical expenses. It also helps you save tax. The amount you pay towards your health insurance premium can be claimed as a deduction under Section 80D of the Income Tax Act,1961.
If you pay health insurance premiums for yourself, your spouse, or your children, you can claim a tax deduction of up to ₹25,000 in a financial year. This applies to premiums paid for regular health insurance plans, as long as the payment is made through accepted modes.
If you pay health insurance premiums for your parents who are senior citizens, you can claim a higher deduction of up to ₹50,000. This benefit is available even if you are already claiming deductions for yourself and your family.
You can also claim up to ₹5,000 in a financial year for preventive health check-ups under Section 80D. This sum is not an additional benefit; rather, it is a component of the total Section 80D limit. In simple terms, it falls under the ₹50,000 cap for older persons or the ₹25,000 cap for those under 60.
From 22 September 2025, 0% GST applies to health insurance premiums. This means policyholders no longer have to pay the earlier 18% GST. Here’s how 0% GST on health insurance premiums benefits policyholders.
With GST removed, you'll pay only the base premium. For example, a health insurance policy with a premium of ₹25,000 that previously cost ₹29,500 (including 18% GST) now costs ₹25,000.
Lower premiums make health insurance more affordable. This means you can purchase higher health coverage to protect yourself and your family against medical emergencies.
“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
Here’s a simple way to think about the right level of health insurance coverage based on your situation.
| Age Group | Typical Monthly Premium Range* | What This Usually Means |
| 18–30 years | 300–700+ | Most people are healthy at this age, so health insurance usually costs less. |
| 30–50 years | 900–2,000+ | Health needs start increasing, which is why premiums are higher than before. |
| 50+ years | 2,500–5,000+ | Medical care becomes more frequent, so premiums are higher, and some waiting periods may apply. |
| Family Size | Recommended Sum Insured |
| Couple | 10 lakh to 25 lakh |
| Couple + 1 Child | 25 lakh to 50 lakh |
| Couple + 2 Children | 50 lakh to 1 crore |
| Family with Senior Parents | 1 crore or more, or consider separate plans for senior parents |
Choosing a health insurance or medical insurance policy is not just about looking at the premium. A few small details can make a big difference later, especially when you actually need to use the health policy. Here’s a simple checklist to help you make a more informed decision before buying the best health insurance in India for your needs.
Make sure the sum insured is enough to cover major medical expenses. Your age, city, lifestyle, and family health history can all affect how much coverage you may need.
Choosing a very low sum insured might save money now, but it can leave you underprepared during a medical emergency.
Most health insurance plans have waiting periods for certain conditions, especially pre-existing illnesses. Shorter waiting periods mean earlier access to coverage.
For example, some plans may offer coverage from day one if all health conditions are disclosed upfront.
Some plans have limits on specific expenses like room rent or certain treatments. These limits can reduce how much you finally receive during a claim. It’s important to understand these details before buying a medical insurance policy, so there are no surprises later.
A lower premium can sometimes come with conditions like copays or deductibles. This means you may need to pay a part of the bill yourself during a claim. Always look at the overall cost, not just the medical insurance premium amount.
Make sure hospitals you trust or visit often are part of the insurer’s network. This makes cashless treatment easier during emergencies.
Some health insurance plans restore the sum insured if it gets fully or partially used during the policy year. This means that after a claim, the insurer refills the coverage amount for future medical expenses in the same year. However, this is subject to the policy’s terms and conditions.
Health needs often increase with age. A plan that offers lifetime renewability ensures you can continue your coverage without disruption later in life.
Good claim support matters when you’re already dealing with stress. Check how easy it is to raise and track claims, and whether customer support is easily available.
Some plans offer optional add-ons or wellness benefits. Choose only those that are useful for you and your family, instead of adding features you may never use.
| Eligibility factor | Details |
| Minimum entry age | Adults can usually buy an individual health insurance policy from 18 years of age. |
| Child entry age | Dependent children can generally be covered from 90 days of age and remain covered as dependents up to 25 years, depending on the insurer. |
| Senior citizens | Senior citizens can buy health insurance, although premiums, waiting periods, and medical underwriting may vary by insurer. |
| Medical check-up | Some insurers may ask you to undergo a pre-policy medical check-up, especially if you're older or opting for a high sum insured. |
| NRI eligibility | NRIs can buy health insurance in India. Most plans cover treatment in India, while international coverage is available only if the policy includes that benefit. |
The top reasons to buy a health insurance plan are medical inflation, instant and better healthcare, medical emergencies, protection against using saved money for treatment, tax benefits, and more. Let’s deep dive into each one of these reasons.
Tackle medical inflation: The cost of healthcare is rising rapidly in India. Surgeries and medical procedures that cost a few thousand rupees in the past now require lakhs of rupees. In such situations, you need a reliable health plan to protect your finances. According to multiple sources, the medical inflation rate in India is around 14%.
Get better healthcare: With health insurance, you can access medical facilities with better equipment or more experienced staff. India has a stark urban-rural healthcare divide. According to NITI Aayog, there is only 1 government doctor per 11,000 people in rural areas. With health insurance, you can get access to better facilities and a multi-speciality setup at top government and private hospitals.
Deal with sudden medical emergencies: Medical emergencies like accidents or diseases can occur suddenly, and you may not always have enough money to take care of them. A medical insurance plan can be very helpful in such situations. According to the National Crime Records Bureau (NCRB), over 4.6 lakh road accidents were reported in India in 2022. The average cost of emergency hospitalisation in a private facility can range from ₹50,000 to ₹3 lakhs, even for basic trauma treatment.
Protect your savings: According to the Reserve Bank of India, on average, Indian household savings are around ₹10–12 lakhs, but a critical illness could wipe out 30–50% of it in one year. In fact, World Bank data indicates that 17% of Indian families fall below the poverty line after paying for medical treatment. Without health insurance, you might need to use your savings or borrow a loan to pay for medical expenses. Thus, a health plan can protect your savings and your overall finances.
Avail cashless claims: If you get treated in the insurer's network hospital, you can raise a cashless claim. This reduces your expenses drastically, and you can focus on recovery. Now you can even get cashless claims at non-network hospitals thanks to the 'Cashless Everywhere' initiative introduced by the General Insurance Council (GIC).
Reduce your tax burden: If you opt for the old tax regime, you can claim a tax deduction of up to ₹75,000 under Section 80D for the health insurance premiums you pay.
Peace of mind: You can relax and focus on your recovery knowing that your medical insurance will take care of the finances.
Many consumers delay purchasing health insurance due to assumptions or things they have heard over time. Let’s learn some of the common myths:
The problem is, health issues don’t always give you notice. Accidents, infections, or sudden treatments can happen even when you’re young.
Some people are reluctant to discuss past health problems. Leaving things unsaid feels safer. But later on, that frequently leads to problems. When you genuinely need assistance, being honest from the beginning frequently reduces tension.
Getting health insurance from your employer feels like a big relief. And it does help. At the same time, that cover is tied to your job. It may change when your role changes, or stop altogether. A personal plan stays with you through all of that.
Stories about complicated claims have been around for a long time.
Today, the majority of claims, particularly cashless ones, are processed online and are considerably easier than most consumers realise.
The health insurance cost can seem expensive just by looking at the premium. However, medical expenses have the power of changing that perspective very quickly. At that point, insurance begins to feel like a help rather than an additional cost.
This is a very common idea that many people have. When a problem arises, many think they will get health insurance, but insurance functions best when it is already in place. Purchasing it in advance provides protection when you need it and gives you enough time to choose the best health insurance policy in India based on your needs.
Portability is your right to move an existing policy to a new insurer at renewal while keeping the benefits you have earned. Here's what you should know:
You can buy health insurance from ACKO through the website or the mobile app. Below are the steps to buy health insurance plans online.
| Step | What You Do |
| Step 1: Get a Quote | Enter basic details: your age, dependents, and personal information to get your personalised quote instantly |
| Step 2: Choose Your Plan | Pick from ACKO Platinum Health Plan or ACKO Platinum Lite Health Plan based on your needs and budget |
| Step 3: Customise | Adjust your coverage based on what works best for you and your family |
| Step 4: Review and Pay | Review your plan details and complete payment securely online |
| Step 5: Get Covered | Policy is issued as soon as processing is complete. Your coverage begins from the date of purchase. |
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:
Max healthcare
Manipal hospitals
Fortis hospital
Apollo hospitals
Narayana hospital
Aster Hospitals
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
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
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
Most health insurance claims are settled successfully. However, a claim may be rejected if it doesn't meet the policy terms and conditions.
| Reason | What it means |
| Waiting period not completed | The treatment is for a condition that's still under the waiting period. |
| Pre-existing disease not disclosed | A medical condition wasn't disclosed when the policy was purchased. |
| Treatment isn't covered | The claim is for a treatment or expense that's excluded under the policy. |
| Policy has lapsed | The premium wasn't paid on time, so the policy wasn't active when the claim was made. |
| Incorrect or incomplete documents | Missing or inaccurate documents can delay or lead to claim rejection. |
| Fraud or misrepresentation | Providing false information or submitting fake documents can result in claim rejection. |
| Hospitalisation not medically necessary | The insurer may reject claims if the treatment or hospital admission isn't medically justified as per the policy. |
A No Claim Bonus in health insurance is a reward you receive for not making any claims during a policy year. Instead of losing this benefit, you can carry it forward when you renew your policy, subject to the policy terms.
Some insurers also offer loyalty benefits to customers who renew their policy regularly. These benefits vary from one insurer to another and may include additional coverage, wellness rewards, premium discounts, or other policy benefits.
Renewing your medical insurance online is simple and takes only a few minutes. As your health policy expiry date gets closer, you’ll receive a reminder from us so you don’t miss it.
The reminder email includes a payment link. You can open the link, review your health policy details, and complete the payment online.
Once the payment goes through, your policy is renewed and shared with you shortly. There’s no paperwork and no extra steps to follow.
Buying health insurance doesn’t require a long list of documents. In most cases, you only need to share a few basic details to get started when applying for the best health insurance policy in India.
You’ll need to share a valid identity proof to confirm who you are. This can include documents such as a PAN card, Aadhaar card, Passport, Driving Licence, or Voter ID.
Age proof helps confirm your eligibility for the plan and decide the premium. Documents like a Passport, Aadhaar card, Birth Certificate, Driving Licence, or Voter ID are commonly accepted.
Address proof is required to verify your current place of residence. This can include Aadhaar card, passport, voter ID, utility bills, bank statements, or other valid address documents.
Income proof is not always required. In certain cases, it may be asked for specific plans or higher coverage amounts, depending on the policy terms.
Based on age or health details shared, a medical check-up may be needed. If required, the medical reports help assess health conditions accurately before issuing the policy.
To process your health insurance claim, you'll need to submit a few documents. The exact list may vary depending on your insurer and the type of claim (cashless or reimbursement).
| Document | Why it's required |
| Duly filled claim form | To initiate your claim request. |
| Health insurance policy details | To verify your policy and coverage. |
| Hospital discharge summary | Confirms your diagnosis, treatment, and discharge details. |
| Original hospital bills and payment receipts | Required to verify the treatment expenses (mainly for reimbursement claims). |
| Doctor's prescriptions | Supports the treatment and medicines prescribed. |
| Diagnostic test reports | Helps verify the medical condition and treatment. |
| Pharmacy bills | Required if medicines are covered under your policy. |
| Identity proof | To verify the insured person's identity, if requested. |
| Cancelled cheque or bank account details | Required for reimbursement claims so the approved amount can be credited to your bank account. |
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.
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.
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:
| Feature | Details |
| Sum Insured | ₹10 Lakh, ₹25 Lakh, ₹50 Lakh, ₹1 Crore |
| Waiting Period | 30-day initial waiting period (except accidents); 2-year waiting period for specific illnesses; 3-year waiting period for pre-existing conditions |
| Pre-hospitalisation Expenses | 60 days |
| Post-hospitalisation Expenses | 180 days |
| Insurance Inflation Protection | Sum Insured increased by 10% every year, up to 100% of Base Sum Insured |
| Co-pay | Zero co-pay as a standard feature |
| Room Rent | No limits; any room of choice; no ICU day/charge limits |
| Hospital Bill Payment | 100% covered, including consumables and surgical needs |
| Day-care Treatment | 500+ Daycare treatments covered (procedures that don’t require 24-hour hospitalisation) |
| Domiciliary Treatment | Covered (home treatment due to medical condition or unavailability of hospital beds) |
| Ambulance Trips | Multiple road ambulance trips covered |
| COVID-19 Treatment | All variants covered |
| AYUSH Treatments | Covered (Ayurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy) |
| Vision Care Treatment | Covers eye-related surgeries that require at least 24 hours of hospitalisation, such as cataract surgery |
| Accident-Related Dental Treatment | Covered |
| Organ Donor Expenses | All surgery & hospitalisation expenses of donor covered |
| Free Yearly Health Check-ups | For all insured members aged above 18 |
| Free Unlimited Teleconsultations | Unlimited consultations with GPs and specialists via ACKO app |
| Second Opinion Consultations | Consultation costs covered |
| Tax Benefits | A tax deduction of up to Rs. 75,000 under Section 80D |
| Free Look Period | 30 days. Full premium refund if cancelled |
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 Plan | Details |
| Sum Insured | ₹1 Crore and Unlimited, never worry about exhausting your coverage |
| Zero Waiting Period | Covered from Day 1 (No waiting period) |
| Zero Disease-Specific Waiting Period | No waiting period for specific illnesses |
| Pre-existing Disease Waiting Period | 0 to 3 years based on your health |
| Unlimited Restoration | Coverage gets restored unlimited times in a year |
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.
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:
Since it only steps in for the bigger expenses, a Super Top-up plan costs a lot less than a regular health insurance policy.
The coverage options you can choose from include ₹10 lakh, ₹25 lakh, ₹50 lakh, ₹1 crore, and unlimited coverage.
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.
Your cover restores once it gets used up.
Pick any room you’re comfortable with. Single to deluxe, there are no room rent limits.
The sum insured goes up by 10% every year, regardless of past claims. The maximum increase is up to 100% of the original cover.
Many treatments are covered from day one.
From surgeries to syringes, hospital bills are covered as per your policy.
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.
“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
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.
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.
Written by
Roocha Kanade
Content Architect
Health Insurance content enthusiast who turns complex topics into easy, binge-worthy reads—fueled by SEO, creativity, and way too much chai! Loves juggling multiple projects, cracking impossible deadlines, and sprinkling humor into the mix. When not geeking out over digital trends, you'll find her lurking on Quora and Reddit, planning the next getaway, or passionately decoding all things health and insurance!
Reviewed by
Dr Nitin Kumar Gupta
SVP – Health Underwriting & Claims at ACKO General Insurance
With 20+ years of experience in digital transformation and growth, he is a leader specialising in health, life, accident, and disability insurance. Backed by an MBBS degree and insurance designations (FLMI, FALU, FLHC, ACS, ARA), he combines expertise with leadership.
#36/5, Hustlehub One East, Somasandrapalya 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
