Acko Platinum Health Insurance
  • Personal Accident Cover
  • Critical Illness Cover
  • SI up to 10 Lakhs
Acko Platinum Health Insurance
premium

Network hospitals

7100+

premium

Claim settlement ratio

97.20%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

2

premium

Solvency Ratio

1.84

premium

Pan India Presence

-

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

7100+

premium

Claim settlement ratio

97.20%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

2

premium

Solvency Ratio

1.84

premium

Pan India Presence

-

Acko Platinum Health Insurance

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.

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Acko Health Insurance

Acko Platinum Health Insurance Eligibility

To avail the benefits of Acko Platinum Health Insurance, insured individuals must fulfill the following eligibility criteria mentioned below:

Entry Age

Children: 3 Months to 25 Years

Adult Entry Age

Minimum: 18 Years
Maximum: N/A

Plan Type

Individual/Family Floater

Policy Term

N/A

Sum Insured

Up to INR 10 Lakhs

Initial Waiting Period*

30 Days

Acko Health Platinum Plan Benefits

Acko Health Platinum offers a plethora of benefits to the insured individuals mentioned below:

  • Tax Benefits

    Premiums paid towards Acko Platinum Health Insurance are eligible for tax benefits under the Income Tax Act of India, 1961.
  • High Sum Insured

    Acko Platinum Health offers a high sum insured of up to INR 10 Lakhs to insured individuals. The high sum insured offers various benefits embedded within the plan.
  • Zero Waiting Period

    Acko Platinum Health offers zero waiting period wherein insured individuals are covered from day 1 of the policy purchase. This allows individuals to avail health care services efficiently and timely.
  • Doctor On Call

    With Acko Platinum Health Insurance plan insured individuals can avail doctor-on-call wherein they can avail teleconsultations and gain the right medical advise.
  • Second Medical Opinion

    Acko Platinum Health offers second medical opinion for medical conditions under the plan.

Choose Your Acko Platinum Health Plan

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

Not 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

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Acko Platinum Health Insurance Plan?

Under Acko Platinum Health Insurance Plan, the room rent is covered.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary 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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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?

Acko Platinum Health Insurance Plan does not cover COVID-19.

What is Cataract Treatment?

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.

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Acko Platinum Health Insurance Plan?

Under the Acko Platinum Health Insurance Plan, the newborn baby cover is not available.

What is AYUSH Treatment?

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.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Acko Platinum Health Insurance Plan?

Under the Acko Platinum Health Insurance Plan, IVF is not available.

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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.

What is an Air Ambulance?

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.

What is Compassionate Travel?

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.

What is Global Coverage?

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.

What is E-Consultation?

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.

What is a Health Checkup?

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.

What is a Second Medical Opinion?

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.

What is Vaccination cover?

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.

What is Co-payment?

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.

What is the Sub limit?

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.

Acko Platinum Health Insurance Exclusions

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

Wrapping It Up

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.

Health Insurance Plans by ACKO Health Insurance Company

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

Acko Arogya Sanjeevani Policy

Arogya Sanjeevani is a standard indemnity-based health insurance product designed to safeguard the medical requirements of customers.

Unique Benefits

  • Covers Cataract Treatments
  • No Health Check-ups up to 45 years
  • Cumulative bonus of 5% on SI

Group Health Plan

Acko Group Health Insurance Plan

Plan providing coverage for medical expenses arising out of hospitalization for a group of employees/workers of a particular organization.

Unique Benefits

  • Maternity benefit Available
  • Coverage for disabled children
  • Injuries due to Terrorism

Acko Platinum Health Insurance: FAQs

1. What is the eligibility criteria for Acko Platinum Health Insurance?

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.

2. What is the sum insured options available under the Acko Platinum Health Insurance?

The sum insured options available under the plan are up to INR 10 Lakhs.

3. Are tax benefits available under the Acko Platinum Health Insurance Plan?

Yes, premiums paid towards the Acko Platinum Health Insurance plan are eligible for tax benefits under the Income Tax Act of India, 1961.

4. What is the waiting period applicable under Acko Platinum Health Insurance Plan?

Acko Platinum health insurance plan offers zero waiting period facility wherein insured individuals can avail coverage benefits from day 1.

5. What are the add-on coverage available under Acko Platinum Health Insurance?

The add-on coverage available under the plan includes critical illness coverage and personal accident coverage.

Other Health Insurance Companies

Acko Health Insurance Reviews

Customer Review Image

VIJAY KUMAR MAURYA

Gurgaon

June 13, 2023

"I got accident and I m upload my medical bills and reports and on time i got call from the acko and I m explained... The team of acko mam "ANUSHA " Taken my accident claim and d...

Customer Review Image

Gurappa pathuru

Bengaluru

June 3, 2023

The company has some of the best health plans from low budget to high. The company provides support 24/7 and does not bother with spam calls.

Customer Review Image

Tarun

Ludhiana

February 21, 2023

I got payment with in 3 working days. I am glad how Vomitha ma am who s the executive, listen me carefully and release the payment directly to my account. Thanks Acko

Customer Review Image

Sachin abhyankar

Pune

September 16, 2022

Very affordable Acko plans. Provide coverage for every health issue and are ready to help anytime any day.

Customer Review Image

nandini

Dehradun

February 21, 2022

ACKO is no 1 insurance company. made process very easy for me when my nani fell sick and i was only with her but the insurance company arranged everything.

Customer Review Image

Sheersha Kundra

Bengaluru

October 28, 2021

The company has various affordable plans also they have an amazing customer care team that helps their customer in their time of need.

Customer Review Image

Mahaveer Singh

Delhi

September 6, 2021

Very good company, with best customer services. Health Insurance plans offered by the company are also very good.

Customer Review Image

Kavita Kumari

Guwahati

September 6, 2021

impressive work done by Acko Health Insurance, and its customer suppost. Keep serving us like this. well done

View All Acko Health Insurance Reviews

Daina Mathew

Written By: Daina Mathew

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.