Network hospitals
14300+
Incurred claim ratio
83.88%
Sum insured
Up to 1 CR
No. of Plans
2
Solvency Ratio
4.3
Pan India Presence
17
Network hospitals
14300+
Incurred claim ratio
83.88%
Sum insured
Up to 1 CR
No. of Plans
2
Solvency Ratio
4.3
Pan India Presence
17
Acko Platinum Health Plan offers you coverage for yourself and your family members. The plan offers a sum insured of INR 10 lakhs with many benefits. Some benefits include sum insured restoration of up to 100%, built-in add ons like room rent waiver, doctor on call, and critical illness coverage. The policy has a zero waiting period wherein, coverage begins from day 1 and it has zero deductions at the time of claim.
Insured individuals can avail efficient medical care services from 7100+ wide network hospitals on Acko Health Insurance panel. The plan is eligible for everyone who is 18 years of age or older. The plan allows you to provide coverage of up to 6 family members, including two adults over the age of 18 years and dependent children between the ages of 3 months and 25 years. The plan includes daycare treatments, ambulance cover, maternity cover, second medical opinion and other benefits as base coverage.
Acko Health Insurance
To avail the benefits of Acko Platinum Health Insurance, insured individuals must fulfill the following eligibility criteria mentioned below:
Children: 3 Months to 25 Years
Minimum: 18 Years
Maximum: N/A
Individual/Family Floater
N/A
Up to INR 10 Lakhs
30 Days
Acko Health Platinum offers a plethora of benefits to the insured individuals mentioned below:
Insured individual can avail of the following benefits under the Acko Platinum Health Insurance plan mentioned below:
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Not Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Not Applicable
Automatic Restoration
Applicable Up to 100% of SI
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Emergency Coverage
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Limitations
Co-payment
Not Applicable
Sub-limits
Not Applicable
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common room categories covered under room rent are:
Coverage status under Acko Platinum Health Insurance Plan?
Under Acko Platinum Health Insurance Plan, the room rent is covered.
The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.
Coverage status under Acko Platinum Health Insurance Plan?
Under Acko Platinum Health Insurance Plan, ICU charges are covered.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Acko Platinum Health Insurance Plan?
Under Acko Platinum Health Insurance Plan, pre-hospitalization is covered.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Acko Platinum Health Insurance Plan?
Acko Platinum Health Insurance Plan covers medical expenses incurred during post-hospitalization.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Acko Platinum Health Insurance Plan?
Acko Platinum Health Insurance Plan covers domiciliary hospitalizations.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Acko Platinum Health Insurance Plan?
Acko Platinum Health Insurance Plan covers the expenses of all daycare procedures.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Acko Platinum Health Insurance Plan?
OPD charges are not covered under Acko Platinum Health Insurance Plan.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.
Coverage status under Acko Platinum Health Insurance Plan?
Covid-19 Covered.
A common eye condition in which your vision gets blurred.
Coverage status under Acko Platinum Health Insurance Plan?
Acko Platinum Health Insurance Plan does not cover Cataract Treatment.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Acko Platinum Health Insurance Plan?
Acko Platinum Health Insurance Plan does not offer a no-claim bonus.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Acko Platinum Health Insurance Plan?
Acko Platinum Health Insurance Plan offers automatic restoration benefits up to 100% of the Sum Insured.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Acko Platinum Health Insurance Plan?
The Daily hospital cash is not available under Acko Platinum Health Insurance Plan.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Acko Platinum Health Insurance Plan?
Under the Acko Platinum Health Insurance Plan, organ donor expenses are covered.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Acko Platinum Health Insurance Plan?
Under the Acko Platinum Health Insurance Plan Maternity Cover is available
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:
Coverage status under Acko Platinum Health Insurance Plan?
Under the Acko Platinum Health Insurance Plan, the newborn baby cover is not available.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Acko Platinum Health Insurance Plan?
Under the Acko Platinum Health Insurance Plan, AYUSH treatment is covered.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Acko Platinum Health Insurance Plan?
Under the Acko Platinum Health Insurance Plan, IVF is not available.
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Acko Platinum Health Insurance Plan?
Under the Acko Platinum Health Insurance Plan, modern treatments are not covered.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Acko Platinum Health Insurance Plan?
Under the Acko Platinum Health Insurance Plan, ambulance cover is covered.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Acko Platinum Health Insurance Plan?
Under the Acko Platinum Health Insurance Plan, the air ambulance is not covered.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Acko Platinum Health Insurance Plan?
Under the Acko Platinum Health Insurance Plan, compassionate travel is not covered.
Any kind of medical/health emergency when you are outside of India.
Coverage status under Acko Platinum Health Insurance Plan?
Under the Acko Platinum Health Insurance Plan, global coverage is not covered.
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Acko Platinum Health Insurance Plan?
Under the Acko Platinum Health Insurance Plan, E-consultation is not covered.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Acko Platinum Health Insurance Plan?
Under the Acko Platinum Health Insurance Plan, a health check-up is covered.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Acko Platinum Health Insurance Plan?
Acko Platinum Health Insurance Plan covers the expenses for a second medical opinion.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Acko Platinum Health Insurance Plan?
Acko Platinum Health Insurance Plan does not cover vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Acko Platinum Health Insurance Plan?
Not Applicable under Acko Platinum Health Insurance Plan.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under Acko Platinum Health Insurance Plan?
Sub-limits are not applicable.
Permanent diseases or health conditions that are not included under the Acko Platinum Health Insurance plan are mentioned below:
Obesity or weight related surgeries
Change of gender treatments
Plastic or cosmetic surgeries
Injuries due to hazardous activities or adventure sports
Injuries due to unlawful activities
Acko Platinum health is a versatile health insurance plan with a high sum insured value that can be availed by you and your family members as per your needs and requirements. The plan comes with a zero waiting period acting as a major USP of the health insurance plan as it ensures quick health care services.
ACKO Health Insurance offers two different types of health insurance plans to help stay financially protected in medical emergencies. Let's have an overview of these plans.
Standard Plan
Arogya Sanjeevani is a standard indemnity-based health insurance product designed to safeguard the medical requirements of customers.
Unique Benefits
Group Health Plan
Plan providing coverage for medical expenses arising out of hospitalization for a group of employees/workers of a particular organization.
Unique Benefits
The eligibility criteria for the Acko Platinum Health Insurance starts from 18 years for adults. Dependent children can be covered starting from 3 months to 25 years.
The sum insured options available under the plan are up to INR 10 Lakhs.
Yes, premiums paid towards the Acko Platinum Health Insurance plan are eligible for tax benefits under the Income Tax Act of India, 1961.
Acko Platinum health insurance plan offers zero waiting period facility wherein insured individuals can avail coverage benefits from day 1.
The add-on coverage available under the plan includes critical illness coverage and personal accident coverage.
See More Health Insurance Articles
See More Health Insurance Articles
4.4
Rated by 2628 customers
Select Your Rating
Let us know about your experience or any feedback that might help us serve you better in future.
Daina is a content writеr with a profound grasp of Insurancе, Stocks, and Businеss domains. Hеr extensive 3-year еxpеriеncе in thе insurancе industry еquips hеr with a nuancеd undеrstanding of its intricaciеs. Hеr skills еxtеnd to crafting blogs, articlеs, social mеdia copiеs, vidеo scripts, and wеbsitе content. Her ability to simplify complex insurancе concepts into reader-friendly content makes her an еxpеrt in the domain.
You May Also Know About
*T&C Apply
Do you have any thoughts you’d like to share?