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

Network hospitals

14300+

Incurred claim ratio

Incurred claim ratio

83.88%

Sum insured

Sum insured

Up to 1 Crore

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

4.3

Pan India Presence

Pan India Presence

17+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

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 has zero deductions at the time of claim.

Insured individuals can avail of efficient medical care services from 7100+ wide network hospitals on the Acko Health Insurance. 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 Platinum Health Insurance Specifications

To understand Acko Platinum Health Insurance Insurance in detail, take a look at the below table:

Entry Age

18 years - No max limit

Policy Type

Individual and Family Health Insurance

Sum Insured

10 Lakh

Initial Waiting Period*

30 days Days

Renewability

NA

Policy Term

NA

*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.

Choose Right Insurance Banner Choose Right Insurance Banner

Choose Your Acko Platinum Health Insurance

With wide coverage options available, Acko Platinum Health Insurance Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

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

Covered

No Claim Bonus

Not Covered

Automatic Restoration

Covered

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 Covered

Sub-limits

Not Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

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 or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

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. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

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 settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

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.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

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.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

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.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

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. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

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 Section 80D 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 of health care services efficiently and timely.

  • Doctor On Call

    With the Acko Platinum Health Insurance plan insured individuals can avail of doctor-on-call wherein they can avail teleconsultations and gain the right medical advice.

  • Second Medical Opinion

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

Recommended Videos

Acko Health Insurance

Acko Health Insurance

Acko Platinum Health Insurance Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the Acko Platinum Health Insurance plan are mentioned below:

 Hospitalization out of 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

 

Explore other Acko Health Insurance

To cater to the different medical needs of an individual & their family, Acko Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Acko Health Insurance plans explore more:

Individual and Family Health Insurance

Acko Platinum Health Insurance

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. ...

Unique Features

  • Personal Accident Cover
  • Critical Illness Cover
  • SI up to 10 Lakhs

Acko Platinum Health Insurance (Pros)

Acko Platinum Health Insurance
  • Personal accident cover
  • Critical illness cover
  • SI up to 10 Lakhs

Acko Platinum Health Insurance (Cons)

Acko Platinum Health Insurance
  • OPD not covered
  • ICU coverage not available
  • Cosmetic surgeries not covered

Acko Platinum Health Insurance (Other Benefits)

Acko Platinum Health Insurance
  • Personal accident cover
  • Critical illness treatment cover
  • Doctor on call and second medical opinion available

Acko Platinum Health Insurance (Eligibility Criteria)

Acko Platinum Health Insurance
  • Minimum Entry Age - 18 Years
  • Maximum Entry Age - N/A
  • SI - Upto 10 Lakhs
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Acko Arogya Sanjeevani Policy

Acko Arogya Sanjeevani Policy

You must be thinking about how a basic health insurance policy like Arogya Sanjeevani can fulfil all your health goals. But only let this thought sink...

Unique Features

  • COVID-19 treatment coverage
  • No pre-policy health check-ups till 45
  • Lifelong renewability

Acko Arogya Sanjeevani Policy (Pros)

Acko Arogya Sanjeevani Policy
  • No Pre-Policy Check-up
  • COVID-19 cover
  • AYUSH coverage
  • Ambulance services

Acko Arogya Sanjeevani Policy (Cons)

Acko Arogya Sanjeevani Policy
  • OPD cover unavailable
  • Maternity unavailable
  • Newborn baby cover
  • Health check-ups unavailable

Acko Arogya Sanjeevani Policy (Other Benefits)

Acko Arogya Sanjeevani Policy
  • Family floater cover
  • Indemnity benefits
  • Pre & post-hospitalization
  • Room rent & ICU cover

Acko Arogya Sanjeevani Policy (Eligibility Criteria)

Acko Arogya Sanjeevani Policy
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Accident Health Insurance

Acko Personal Accident Policy

Acko Personal Accident Policy

According to a report from the World Economic Forum, there are over 2.5 lakh accidental deaths or fatalities happening per year in India. Accidents ar...

Unique Features

  • Zero waiting period
  • Accidental death cover
  • No health check-up required

Acko Personal Accident Policy (Pros)

Acko Personal Accident Policy
  • Zero waiting period
  • Accidental death cover
  • No health check-up required

Acko Personal Accident Policy (Cons)

Acko Personal Accident Policy
  • Pre and post-hospitalisation not covered
  • ICU cover not available
  • OPD not covered

Acko Personal Accident Policy (Other Benefits)

Acko Personal Accident Policy
  • Accidental death and disability
  • Permanent and total disability
  • Aid to uncertain injuries

Acko Personal Accident Policy (Eligibility Criteria)

Acko Personal Accident Policy
  • Min. Entry Age - 18 Years
  • Max. Entry Age - 70 Years
  • SI - NA
  • Initial Waiting Period - Day 1 Coverage For Accidental Death

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 the Acko Platinum Health Insurance Plan?

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

5. What is 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.

Explore Acko Health Insurance

Acko Health Insurance For Parents

Acko Health Insurance For Parents

Customer Support of Acko

Customer Support of Acko

Acko Health Insurance Calculator

Acko Health Insurance Calculator

Acko Senior Citizen Health Insurance

Acko Senior Citizen Health Insurance

Acko Maternity Health Insurance

Acko Maternity Health Insurance

ACKO Claim Settlement Ratio

ACKO Claim Settlement Ratio

Other Health Insurance Companies

Star Health Insurance

Care Health Insurance

Aditya Birla Health Insurance

HDFC ERGO Health Insurance

Apollo Munich Health Insurance

Niva Bupa Health Insurance

ICICI Lombard Health Insurance

Tata AIG Health Insurance

Bajaj Allianz Health Insurance

SBI Health Insurance

Royal Sundaram Health Insurance

ManipalCigna Health Insurance

Reliance Health Insurance

IFFCO Tokio Health Insurance

Future Generali Health Insurance

National Health Insurance

United India Health Insurance

New India Health Insurance

Navi Health Insurance

ACKO Health Insurance

Digit Health Insurance

ZUNO General Insurance

Universal Sompo Health Insurance

Liberty Health Insurance

Kotak Mahindra Health Insurance

Magma Health Insurance

Cholamandalam MS Health Insurance

Oriental Health Insurance

Raheja QBE MS Health Insurance

Know More About Health Insurance Companies

Share your Valuable Feedback

Rating Icon

4.4

Rated by 2633 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings
Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

You May Also Know About

Health Insurance India Best Health Insurance Companies Best Health Insurance Plans Best Family Health Plans Critical Illness Insurance