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Acko Personal Accident Policy
The Acko Personal Accident Policy is designed to protect you financially if an accident leads to injury, disability, or death. It covers si…
- Zero waiting period
- Accidental death cover
- No health check-up required
Acko Health Insurance
Acko Platinum Health Insurance
ACKO Platinum Health Insurance covers the insured and their family mem ...Read More
Up to 1 Crore
Sum insured
1
No. of plans
17+
Pan India presence
96.31%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,715 reviews
🏥 14,300+ hospitals
📊 2.30 solvency ratio
✅ 96.31% claim settlement
About Acko Platinum Health Insurance
A quick read on what this Acko Health Insurance plan covers and why it might be a fit for you.
Acko Platinum Health Plan offers coverage for you and your family members. The plan provides a sum insured of INR 10 lakhs with many benefits, including 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, meaning coverage begins from day one, and there are zero deductions at the time of claim.
Insured individuals can avail of efficient medical care services from 7100+ network hospitals on the Acko Health Insurance network. The plan is eligible for everyone aged 18 years or older. It allows you to provide coverage for up to 6 family members, including two adults over 18 years and dependent children between 3 months and 25 years. The plan includes daycare treatments, ambulance cover, maternity cover, second medical opinion, and other benefits as base coverage.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 years - No max limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹10 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Personal accident cover
- Critical illness cover
- SI up to 10 Lakhs
Cons
- OPD not covered
- ICU coverage not available
- Cosmetic surgeries not covered
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Not covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Not covered
Conditions & global
- Co-payment Not covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Acko Health Insurance
This video talks about Acko Health Insurance in detail. It talks about the Solvency Ratio, Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer.
Acko Health Platinum Plan Benefits
Acko Health Platinum offers a plethora of benefits to insured individuals, as mentioned below:
-
Tax Benefits
Premiums paid towards Acko Platinum Health Insurance are eligible for tax benefits under Section 80D of 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 provides various benefits embedded within the plan.
-
Zero Waiting Period
Acko Platinum Health offers a zero waiting period, wherein insured individuals are covered from day one of the policy purchase. This allows individuals to avail of healthcare services efficiently and timely.
-
Doctor On Call
With the Acko Platinum Health Insurance plan, insured individuals can avail of doctor-on-call services, allowing them to receive teleconsultations and gain the right medical advice.
-
Second Medical Opinion
Acko Platinum Health offers a second medical opinion for medical conditions covered under the plan.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Acko Platinum Health Insurance does not cover the following permanent diseases or health conditions:
- Hospitalization due to war, riot, strike, and nuclear weapons
- Obesity or weight-related surgeries
- Change of gender treatments
- Injuries due to hazardous activities or adventure sports
- Injuries due to unlawful activities
- Plastic or cosmetic surgeries
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Minimum Entry Age: - 18 Years
- Maximum Entry Age: - N/A
- SI: - Upto 10 Lakhs
- Initial Waiting Period: - 30 Days
Other features & benefits
- Personal accident cover
- Critical illness treatment cover
- Doctor on call and second medical opinion available
Acko Platinum Health Insurance: FAQs
The 7 most-asked questions about Acko Platinum Health Insurance, answered.
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 a zero waiting period facility wherein insured individuals can avail of coverage benefits from day 1.
The add-on coverage available under the plan includes critical illness coverage and personal accident coverage.
Yes, the plan suits families with its family floater option, high sum insured, no room rent limits, digital claims support, and coverage for spouse, children, parents, and in-laws.
The restoration benefit automatically refills the sum insured after exhaustion during a policy year, allowing future eligible claims for other treatments or family members under the policy.
Conclusion
Acko Platinum Health is a versatile health insurance plan with a high sum insured value, offering co
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