Health insurance, also called medical insurance, offers financial protection. It helps you pay for planned and emergency medical treatments. It covers costs like hospital stays, surgeries, day-care procedures, modern treatments, and even pre- and post-hospitalisation care. With ACKO Health Insurance, you get more than just basic coverage: 100% hospital bill payment, no room rent limits, fast cashless claims, and more. So if you ever fall sick or need treatment, you can focus on getting better instead of worrying about the cost.
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Health Insurance
Health insurance is a plan that helps take care of your medical bills when you're unwell or injured. In simple terms, when you have a health plan in place, you get financial support up to a certain limit each year, depending on the coverage you choose. This covers costs like hospital stays, surgeries, day-care procedures, ambulance charges, and even expenses before and after hospitalisation.
Having the right health insurance gives you peace of mind by taking away the stress related to medical costs or illnesses when a medical situation or emergency arises. In addition to the financial protection it offers, you also get tax benefits of up to ₹75,000 per year under Section 80D of the Income Tax Act, 1961, on the premium amount you pay to your insurer.
Finding the right health insurance plan can protect your family's finances against the rising medical inflation. The ACKO Platinum Health Insurance Plan goes above and beyond the coverage offered by traditional health insurance policies. You get an extra layer of financial security during medical emergencies with features such as Zero Waiting Period and 100% hospital bill payments.
| Categories | Specifications |
| Premium | Starting at ₹21/day as per plan type |
| Sum Insured | ₹10 Lakhs to Unlimited |
| Hospital bill coverage | No deductions. Get 100% coverage for hospital bills up to the sum insured |
| Pre & Post-hospitalisation Expenses | Covered |
| ICU Charges | Covered |
| Pre-existing Diseases | Covered as per T&C |
| Room rent limit | No limit on room rent. Available up to the sum insured. No deductions. |
| Ambulance Cover | Available |
| Day Care Procedures | Covered |
| Co-pay | None |
| Waiting period | Zero waiting period with ACKO Platinum Health Plans |
| Cashless claims at top hospitals | Available across 10,500+ network hospitals. |
| Claim process | Fully digital, simply upload the necessary documents on the app. |
| Tax Benefits | Up to ₹75,000 per financial year |
The General Insurance Council (GIC) has introduced the 'Cashless Everywhere' initiative, which changes how health insurance works in India. Policyholders can now visit a network hospital and receive cashless treatment under health insurance. This initiative breaks away from the traditional methods of health insurance claims, bringing more flexibility and ease for policyholders.
Before this change, using health insurance meant getting treatment from empanelled hospitals only if you wished to get cashless treatment. If you went to a non-network hospital, you had to pay the bill upfront and then go through the hassle of reimbursing the money. But with 'Cashless Everywhere,' you can now use your insurance at any hospital you prefer, whether on their network or not. Here is how it works:
The 'Cashless Everywhere' initiative makes things more flexible and user-friendly.
A health insurance plan is a highly customisable financial tool which can be tailored as per your needs. For a typical Indian family with aging parents, spouse, and children the sum insured of a health plan can be twice your annual income considering medical inflation. However, you can choose to get higher or lower coverage as per your needs. Opting for a ₹10 - ₹25 lakhs can prove to be sufficient for one year.
Here are the other factors you can consider to calculate your ideal coverage.
Consider your city of residence as you could need more coverage in tier 1, tier 2, and tier 3 Indian cities. Healthcare costs are higher in these cities.
The age of the oldest insured member and their medical needs can help you decide your ideal health insurance coverage.
If there is a family history of critical illnesses, then consider building a financial safety net against future healthcare costs in advance.
Set a budget for buying medical insurance. This will help you get the ideal insurance coverage within your budget.
Say for example you live with your family in a tier one city where healthcare is costly. Your ideal coverage can be between ₹25 to ₹50 lakhs. But if you stay alone in a tier 3 city, then a health cover of around ₹5 lakhs can be sufficient.
Here is an overview of coverage and premium in different types of cities:
Nowadays buying a ₹1 crore health insurance plan has become affordable. It can give you higher peace of mind knowing that your healthcare costs can be taken care of. It offers both basic and advanced coverage like medical care for the treatment of critical illnesses. These plans usually start with a monthly premium of around ₹1500 depending upon the age and medical history of the insured members.
Alternatively, you can buy a health insurance plan with a lower sum insured and top it up with a Super Top-up plan. Thus, you can easily find your ideal coverage and build a financial cushion against rising healthcare costs.
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Medical inflation in India is at an all time high. A minor medical procedure like the cataract surgery that was priced at around ₹10,000 to ₹15,000 a few years back can now cost ₹80,000 for each eye. Such rising healthcare costs can lead to you losing your life savings. But the right medical insurance plan can provide financial relief in case you or a family member needs treatment.
Let’s deep dive into more reasons to buy health insurance.
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%.
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 multi-specialty setup at top government and private hospitals.
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.
According to the Reserve Bank of India, on an 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.
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).
Having a health insurance plan can help you with tax deductions if you have opted for the old tax regime. You can save up to ₹75,000/year in taxes just by paying your health insurance premiums.
You can relax and focus on your recovery knowing that your medical insurance will take care of the finances.
Picking the right sum insured amount is important. You want to make sure you're covered just right. So consider factors like your age, medical conditions, location, health insurance quote, and healthcare needs when choosing a plan. You want it to match your unique situation. Going for a plan with a low sum insured might leave you financially exposed when you need it the most during a medical emergency.
Many health plans come with a waiting period for different types of ailments. It is advisable to select a health policy with a lower waiting period for pre-existing conditions and diseases.
Note: There is no waiting period under ACKO Platinum Plan. So you get coverage from day 1 if you disclose all pre-existing conditions you are suffering from.
Make sure you understand the coverage limits and exclusions of the policy. Sub-limits can reduce your claim amount. These are restrictions on certain coverages. For example the allowed room rent on your plan is ₹1500 per day and you opt for a hospital room that costs ₹2000 per day. This difference of ₹500 will affect your entire hospital bill. It will proportionately increase things like doctor fees, nursing charges, etc. Understand these limits before buying the plan.
Medical insurance premiums are what you pay each month for your insurance, while deductibles are what you pay out of pocket during claims. Take a look at the full health insurance coverage cost and deductibles of different policies and find the one that fits your budget.
Check if the plan offers annual preventive health check-ups. You get two benefits if this coverage is included in your health plan. The first is that you can keep a track of your health, and the second is a tax benefit. You can claim a tax benefit under section 80D if you have opted for the old tax regime.
These help you gauge if your health plan is suitable to your needs. You can cancel or make changes to the plan during the free look period. The grace period allows you more time to renew the plan upon expiry without you losing the plan benefits.
Co-pay or co-payment is a feature that can make health insurance affordable. However, it’s slightly tricky. By opting for co-pay, you promise the insurer to bear a percentage of the claim amount out of pocket. Use this feature with caution to avoid losses during claims.
Check if your primary care physician or your preferred specialists are in the insurance company's network. And if you have a go-to hospital or medical centre, double-check that they're included too. This way it’s easier to have access to the ones you trust.
High claim settlement ratios mean a higher probability that your claim may be settled. Select an insurer with a high CSR, as it reflects that it will not reject a claim without a valid reason.
Look for a health plan that allows restoration of the sum insured in case you face high health issues and exhaust the whole amount. Restoring the sum insured allows uninterrupted healthcare access.
It is important to understand the time for which your medical plan is active. As health complications increase with age, there are high chances that you may require mediclaim policy in India during old age. Hence, it is recommended to opt for a plan with lifetime renewability that reduces hassles and unforeseen medical expenses during such time.
It's important to choose an insurance provider that's known for their stellar customer service. You want someone who's got your back when you need it most. Take a peek at their reputation for handling claims and providing assistance to policyholders. A reliable and supportive team can make all the difference in your insurance journey.
Additional benefits can really add value to your policy and make a big difference in your overall healthcare experience. So, think about what matters to you and your family, and look for a policy that offers added benefits like wellness programs, etc.
Here are a few reasons why buying health insurance online can be beneficial as compared to taking the traditional route.
Buying health insurance online is very easy. You can search for plans at any time and from anywhere, whether you are at home or out.
You can easily compare policies based on premium rates, options for coverage, and benefits, all in one place. Insurers offer tools that allow you to select plans based on your age, health needs, and budget. This makes it easier to find the best health insurance policy. It's very important to compare health insurance plans online before you make a decision.
Similar to other online products, you may find some good discounts on health insurance plans too.
The process of buying health insurance online is quick. You can complete everything, from researching to purchasing and making the payment, within a few minutes.
Unlike traditional insurance, buying a health plan online requires less paperwork. You don’t need to sign pages and pages of jargon-filled documents. All your policy documents, including the terms and conditions, are provided digitally, so there’s no need for physical paperwork.
You won’t have to worry about hidden charges or surprise fees, as everything is clearly laid out on the website, making it easier to understand what you’re buying and what you’re covered for.
You can buy health insurance online at any time of the day, on any day of the week. No need for scheduling appointments or meeting insurance experts.
You can make secure payments using your digital wallet, cards, or through net banking.
All the above factors help you to save time and money. Thus, buying health insurance online is more beneficial as compared to the offline process.
There are benefits of buying health insurance plans in India. Most of these depend upon the type of plan you opt for. Here are some common ones.
You can claim the treatment costs incurred during your hospital stay. This can include things like room rent, costs for diagnostic tests, doctor and nurse charges, etc.
Some medical treatments may begin before you get hospitalised and continue even after discharge. These can increase your overall cost. Under health insurance you can usually claim up to 30-60 days of pre-hospitalisation and up to 90-120 days of post-hospitalisation as per the terms and conditions of your policy.
These days ICU charges can be as high as ₹30,000+ per day for advanced medical care. Health insurance can help you afford these high costs and continue treatment without worrying about the finances.
Each ambulance trip can cost around ₹1500 to ₹5000 depending upon how medically equipped it is. With health insurance you can easily claim these charges and reduce your out-of-pocket expenses.
Cashless hospitalisation allows you to avail treatment without paying the entire cost. This is usually possible at a network hospital. These are hospitals connected with your insurance company. This facility is being upgraded to include non-network hospitals too and soon you may get cashless treatments across all Indian hospitals.
This is ideal for young families. Under the maternity benefit you can get coverage for pre-natal care, delivery costs, post-natal care, medical treatment for a newborn baby, etc. Note that you need to buy the coverage in advance to be able to claim this benefit as there could be a waiting period applicable.
These are medical treatments that do not require a prolonged hospital stay. But they need a hospital setup. For example, cataract surgery.
Health insurance plans mostly have waiting periods of 1 to 3 years for pre-existing diseases. Once that is over, you can raise a claim and get health coverage. Note that you need to bear the costs related to the treatment of pre-existing diseases during the waiting period.
Health insurance is not only limited to allopathic treatments. It also includes coverage for Ayurveda, Yoga, Siddha, Unani and Homeopathy treatments.
You can get free health-checkups done under your medical insurance plans depending upon the terms and conditions of the policy.
Your health insurance needs change as you move through life. The plan that works in your 20s might not be enough in your 40s. Here’s how to pick the best health insurance plan based on your age and life stage:
Recommended Plan: Individual Health Insurance: If you're just starting your career, an individual health plan with a ₹10 lakhs sum insured is ideal. Premiums are lower when you're young and healthy, and it helps build a claim-free history. If your employer offers Group Health Insurance, that’s a bonus, but it may not be enough on its own.
Recommended Plan: Family Floater Plan: This one policy will handle healthcare expenses for all family members, including you, your spouse, children, and parents (parents-in-law too, if you buy ACKO Health Insurance). Look for a plan with a sum insured of at least ₹20 - ₹25 lakhs for sufficient coverage for the family.
Recommended Plan: Super Top-Up Health Insurance and Critical Illness Cover: As a working professional, you may have a basic health insurance plan that covers your family too. You can leverage this and buy more sum insured as a backup in case of any high medical expenses. You can go for an additional Super Top-up health plan with a sum insured of ₹10 - ₹15 lakhs for an additional financial cushion.
Recommended Plan: Comprehensive Individual Plan and Critical Illness Cover: As you grow older, you might start facing health issues like hypertension or diabetes. A good health insurance plan can easily accommodate these healthcare needs. You can opt for a medical insurance policy with a sum insured of ₹50 lakh - ₹1 crore to accommodate your growing healthcare needs.
Recommended Plan: Senior Citizen Health Insurance: These plans are created keeping in mind the specific healthcare needs of seniors. Getting a separate health insurance plan will allow them to use a dedicated sum insured and timely medical attention. Consider opting for a ₹1 crore health insurance plan to get all round financial protection against the rising medical costs.
Recommended Plan: Critical Illness Insurance: No matter your age, a critical illness plan can financially help you if you're diagnosed with a major illness. It pays a lump sum amount on diagnosis, which you can use for treatment, lifestyle changes, or even recovery breaks.
Whether you're single, married, or retired, there’s a health insurance plan that fits your life stage and needs. At ACKO, we make it simple to choose, customise, and buy your plan, all online, with no middlemen.
Here is a list of common health insurance coverages.
Some situations and medical treatments are excluded from the coverages of health insurance in India. Here are a few common exclusions.
Do check your health insurance policy for a complete list of what is covered and what is not covered.
Whether you're young and healthy, managing a family, or watching your budget — there's a health insurance plan that's just right for you.
Let's consider the case of Mr. Sharma, a 35-year-old individual who is looking for a health insurance plan within a limited budget. He wants some level of protection against medical costs but is conscious of the premium he can afford. In this scenario, the ACKO Standard Plan with a coverage amount of Rs. 10 lakhs can be a suitable option for him.
We suggest opting for Rs. 10L ACKO Standard Plan. This plan can be a practical choice for individuals who are conscious of their budget and want to have some level of protection against medical costs. It provides them with a safety net, even if the coverage amount is relatively lower compared to higher sum insured plans.
Let's take the example of Ms. Patel, a 30-year-old individual who considers herself to be in good health and has never faced any major health issues. She believes that since she is healthy, there is no immediate need for health insurance.
Buying health insurance when you are in the pink of your health is the best time. This is when you can get private health insurance in India at a cheaper rate and with more coverage options. We suggest you go for our Rs. 10L ACKO Standard Plan. This plan will ensure that you get the full claim amount in case of an accident or a health issue.
Let's consider the case of Mr. Kumar, who is covered by his employer's health insurance plan. The employer's plan provides coverage for certain medical expenses but has a limited sum insured. Mr. Kumar is looking for additional coverage to create a backup and ensure adequate financial protection.
Great! You can top it up with our 10L ACKO Platinum Super Top-up Plan. Use your employer’s coverage for smaller expenses and the extended coverage from ACKO if you need more sum insured. This can be an excellent strategy to create a backup.
Let's consider the example of the Singh family, which consists of Mr. Singh, Mrs. Singh, and their two children. They are looking for a health insurance plan that can provide adequate coverage for all family members in case of medical emergencies.
Owing to more members you can buy our health insurance plan with Rs. 25L sum insured to ensure financial protection in case of medical emergencies.
Let's consider the case of Mr. Desai, who has a history of health issues and wants to secure a health insurance plan that provides comprehensive coverage for his specific needs.
Consider plans with high sum insured, i.e., Rs. 1 crore, or the Unlimited ACKO Platinum Plan. Opting for a high sum insured ensures that you have the necessary financial protection to tackle the medical expenses associated with serious medical conditions, effectively.
Let's consider the case of Ms. Gupta, a salaried individual with a stable income. She is looking for a health insurance plan that provides financial coverage for unforeseen medical expenses and also offers tax benefits.
If you have a stable income, a health insurance plan with a sum insured of Rs. 10 lakhs would be suitable to ensure financial coverage in the event of unforeseen medical expenses and get tax benefits.
We all are just recovering from a pandemic so in today's world, having a private health insurance policy is more important than ever. It's not just a luxury, but a necessity. With healthcare costs skyrocketing, having medical insurance policy is like having a safety net for you and your loved ones, protecting you from unexpected medical expenses. Let’s take a look at some reasons why insurance is important.
Hey, did you know that medical technology has come a long way? It can treat diseases that were once considered incurable. But the thing is, these treatments can be super expensive. That's where private health insurance in India comes to the rescue! It helps you cover those skyrocketing medical costs, so you don't have to worry about breaking the bank.
When it comes to our health, we all want the best care, right? Without insurance, it can be tough to afford top-notch medical facilities. But with insurance, you can access amazing medical health care without stressing over the expenses. Plus, it speeds up your recovery with cool coverages like pre and post-hospitalization. It's a win-win!
Life is full of surprises, and not all of them are pleasant. Medical emergencies can hit us when we least expect them, and they can be crazy expensive. Luckily, private health care insurance in India has got your back! It helps cover the costs of hospitalisation, surgeries, and other treatments. So, you can focus on getting better without worrying about the money.
Having private health insurance in India gives you access to a network of medical health care providers and hospitals. You can choose a health insurance scheme that allows you to see your preferred doctor, or you can opt for a plan that provides coverage for a wider range of providers. It's all about having options and flexibility when it comes to your healthcare needs.
Taking care of your health is super important, and insurance plays a role in that too. When you have coverage, you're more likely to seek preventive care, like regular check-ups and screenings. This can lead to early detection of health issues and timely intervention, ultimately improving your long-term health outcomes. It's all about being proactive and staying on top of your well-being.
You know that feeling when you have a safety net in place? That's exactly what insurance provides. Knowing that you have coverage can give you peace of mind, knowing that you and your loved ones are protected in case of a medical emergency. It's like having a guardian angel watching over your health.
Have you noticed how common chronic illnesses like diabetes, heart disease, and renal ailments have become these days? It's pretty alarming, right? That's why it's super important to get yourself some comprehensive insurance coverage. It's like having a safety net that covers you in case anything unexpected happens. You don't want to be caught off guard with those crazy medical bills. So, take the smart step and make sure you have the right insurance to protect yourself and your loved ones from the uncertainties of life. It's all about staying prepared.
Buying health insurance in India not only protects your health but also gives you some tax benefits. The government is encouraging everyone to have health coverage, so they've made it even more appealing. Under Section 80D of the Income Tax Act (under the old tax regime), when you pay your medical insurance premium, you can actually save some of that hard-earned money by reducing your taxable income. It's like a win-win situation – you're taking care of yourself and your loved ones, and the government is giving you a little tax break as a thank you. So, not only will you have peace of mind with insurance, but you'll also have a little extra cash in your pocket.
Here’s how you can assess your health insurance needs and find the best-fit plan for you.
These will help you understand the type of coverage you need. Young adults can choose Individual plans, married couples can choose a Family-floater plan, and people above the age of 60 years can buy a Senior Citizen Health plan.
Your medical history will play a role while accessing the health insurance needs. Go for plans that offer coverage if you are suffering from an illness like diabetes, hypertension, or asthma. You can also consider buying a Critical Illness plan if you have a high-stress or sedentary job, or habits that could lead to a critical illness.
Buying health insurance requires you to consider the coverage that is useful to your needs and budget. There are many cheap health plans available in the market, however, they may compromise on coverage. Strike a balance between coverage and budget here. Buying online with ACKO means no agent commissions, so you save more.
At ACKO, we offer 100% paperless claims, fast settlement, and round-the-clock support, making your health insurance journey stress-free.
You get several advantages when you buy health insurance policy in India at an early age. Here are a few.
Hey, here's a cool perk! When you buy health policy early, you're likely to snag lower premiums. Insurance companies take age into account when customising health insurance quotes. So, since you're starting at a lower risk profile, they'll offer you sweet deals compared to those who wait until later in life.
You know what's awesome about being in your 20s? Generally, you tend to have fewer health issues compared to thirty-somethings. That means your chances of getting comprehensive coverage are higher, with little or no pre-existing conditions to worry about when you buy medical policy. It's like a head start on securing a solid insurance plan.
Let's talk about waiting periods. Mediclaim policy in India often has them, and you can't make claims during that time. But guess what? Buying insurance early means you're less likely to raise a claim compared to someone who buys it later in life. That makes it easier to breeze through the waiting period and enjoy the full benefits of your coverage.
Nobody wants their health insurance application rejected, right? Well, good news! The chances of that happening are lower when you're younger. Insurers might be more hesitant if you have significant pre-existing conditions, but when you're in your younger years, you're generally at a lower risk. So, your chances of getting that coverage you need are pretty good!
Picture this: you buy health insurance early, and your insurer rewards you with awesome coverage options. Sounds cool, right? Well, it's true! Insurance companies may offer more comprehensive coverage when you start at a younger age. Think about common health issues like diabetes, high blood pressure, or cataracts. They're more likely to be included because you're seen as less risky to insure. It's like getting extra perks just for being proactive about your health!
Also read: Top health insurance companies in india
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Expert guidance on the best plans for you
When it comes to health insurance plans, there is no universal policy that fits everyone. It's similar to shopping for clothes, where different plans offer varying coverage, benefits, and premiums.
Therefore, it's essential to do some comparison to find the one that suits your needs. We have provided a quick overview of how our health insurance plans measure up against others.
| Criteria | Other Market Health Plan | ACKO Standard Health Insurance Plan | ACKO Platinum Health Insurance Plan |
| HOSPITAL BILLS | They Pay ~85% | ACKO pays 100% | ACKO pays 100% |
| ROOM RENT LIMIT | Pay extra for room upgrades | No Room rent limit | No Room rent limit |
| WAITING PERIODS | 30 days initial | 30 days initial | None initial |
| COPAY | Fixed Copay | No Copay | No Copay |
| DISEASE-SPECIFIC WAITING PERIOD | 2 years Specified illnesses | 2 years Specified illnesses | None Specified illnesses |
| PRE-EXISTING DISEASES WAITING PERIOD | 3 years Pre-existing diseases | 3 years Pre-existing diseases | 0-3 years Pre-existing diseases (based on health evaluation) |
ACKO Health Insurance provides cost-effective health insurance policies through its online distribution model. Traditional health plans in India are usually sold through agents and brokers who earn a commission from the insurance company.
These costs are passed on to policyholders as distribution costs, leading to higher premiums. However, ACKO's online platform eliminates the need for intermediaries and allows customers to directly purchase
Here are some key considerations that you should keep in mind before purchasing an insurance policy.
India's medical inflation has been on the rise. According to the Ministry of Statistics and Programme Implementation (MOSPI) report, medical inflation in 2021 was at 14%, and PwC's Health Research Institute (HRI) report predicts a 6.5% increase in medical costs in 2022.
Mediclaim policy in India can help reduce the impact of medical inflation on your finances and out-of-pocket expenses, especially with features like Inflation Protect and Zero Deductions at Claim.
| PARAMETER | ACKO INFLATION PROTECT | NO CLAIM BONUS |
| Sum Insured | Every year irrespective of claim in previous year | Only if you did not claim in previous year |
| Upper limit on Sum insured | Capped at 100% | Capped at 50-100% |
| Increment % | 10% fixed increment every year | Resets to zero if you claim and then starts again |
Here is a list of different types of health insurance plans/policy.
This plan offers coverage to one individual/person. However, some insurers also allow the policyholder's spouse to be added to the policy and avail of insurance coverage.
Immediate family members (spouse, parents, children) can be insured under the Family Health Insurance. Here, insured members share the total sum insured of the policy.
This plan covers senior citizens, i.e., people above the age of 65 years. You can buy a dedicated Senior Citizen Health Insurance Plan for your elderly family members for adequate coverage.
Critical illnesses like cancer, stroke, kidney failure, major organ transplantation, heart attack, etc., are life-threatening diseases, and their medical treatment is quite expensive. You can get health insurance coverage for such specific diseases through the Critical Illness Insurance Plan. These plans are also called Fixed Benefit Health Plans, as you get a fixed lump sum amount in the case of an approved claim.
A group of people, for instance, a bunch of employees of the same company, can be covered under a Group Health Insurance Plan. Each member of this group has access to a fixed (separate/specific) sum insured. In some cases, the insured member can add their family members to the plan and share the allotted sum insured.
People who are already covered under a basic health insurance policy or those who can bear the medical expenses up to a certain threshold can opt for a Top-up Health Plan. It provides health insurance instant coverage beyond a fixed threshold known as a 'deductible' in insurance parlance.
Here is a list of reasons why you should buy health insurance online.
Buying health insurance online is very easy. You can search for plans at any time and from anywhere, whether you are at home or out.
You can easily compare policies based on premium rates, options for coverage, and benefits, all in one place. Insurers offer tools that allow you to select plans based on your age, health needs, and budget. This makes it easier to find the best health insurance policy.
The process of buying health insurance online is quick. You can complete everything, from researching to purchasing and making the payment, within a few minutes.
You won’t have to worry about hidden charges or surprise fees, as everything is clearly laid out on the website, making it easier to understand what you’re buying and what you’re covered for.
Online health insurance purchases are paperless, which is both environmentally friendly and convenient. All your policy documents, including the terms and conditions, are provided digitally, so there’s no need for physical paperwork. Secure online payment options also make the transaction process smooth and fast.
Disease-specific health insurance plans are designed to offer targeted coverage for serious illnesses that usually require expensive and long-term treatment. One of the most important types of such plans is the Critical Illness Health Insurance Plan.
A Critical Illness Plan provides a lump sum payout if you are diagnosed with a serious illness listed in the policy, such as cancer, heart attack, kidney failure, stroke, or major organ transplant. Unlike regular health insurance, which pays for hospital bills, this plan gives you a fixed amount of money that you can use however you need, whether it’s for treatment, medicines, second opinions, or even daily expenses if you can’t work for a while.
Critical illnesses can strike anyone, anytime, even if you’re young and healthy. And the treatment costs can be sky-high. For example:
A Critical Illness Health Insurance Plan acts like a financial safety net, so you don’t have to use your savings or take on debt during such tough times.
When buying health insurance, two terms often confuse people, pre-existing conditions and waiting periods. Let’s break them down.
Pre-existing conditions are any illnesses or health issues you already have before buying a health insurance policy. These could include.
If you’ve been diagnosed or treated for a condition before getting a health insurance plan, it’s considered pre-existing. Insurers ask about these conditions when you apply so they can assess your health risk. It’s important to be honest while filling in your health details, hiding them can lead to claim rejection later.
A waiting period is the time you have to wait before your insurance starts covering certain conditions or treatments. Even though your policy is active from day one, not everything is covered immediately. Here are the different types of waiting periods.
At ACKO, we believe in simple, no-stress health insurance. Some of our health insurance plans come with the following.
This means you don’t have to wait years to get the benefits you need today.
Health insurance should help you focus on recovery, not bills.
That’s exactly what our customers experience — no delays, no hidden surprises, just genuine support when it matters the most.
You can use a health insurance premium calculator to know the approximate cost of the policy. It is a free-to-use digital tool available on a health insurer's website. It uses factors like the type of plan, add-on covers, health conditions, age, etc., to determine your payable medical insurance premium. Here are the steps to calculate health insurance rates using a calculator.
Visit www.acko.com, navigate to the health insurance section and enter information like your age, gender, etc.
Decide how many individuals you wish to insure, how much coverage you need, and which add-ons you want to buy.
Select the coverage and click "calculate" to view the payable medical insurance premium for the chosen cover.
Here are the factors that influence health insurance premium calculation.
Ah, the age factor! It plays a role in determining the full health insurance coverage cost for your ACKO Platinum Insurance Plan. As you might expect, the older you are, the higher the medical insurance premium. It's all about taking into account the life experiences and wisdom that come with each passing year.
At ACKO, we've got you covered with different sum insured amounts. You can choose from Rs. 10 lakhs all the way up to an unlimited amount. The sum insured you select will have an impact on your health insurance rates. So, whether you're aiming for a modest coverage or want to go all out, we'll tailor the premium to match your needs.
Where you live matters too! We consider your residence location while calculating the premium. You see, the health plan premium of medical treatment can vary across India. So, whether you're in a bustling city or a serene rural area, we'll take that into account. It's all about ensuring fairness and reflecting the reality of healthcare costs where you call home.
Family matters! Our ACKO Platinum Plans are Family-floater health plans, meaning you can protect yourself, your spouse, parents, parents-in-law, and up to four children under our insurance plans. Just keep in mind that the more members you include, the higher the policy premium. It's all about looking out for your loved ones while considering the impact on your premium.
Your health is our priority, so we take it seriously. When you buy an ACKO Platinum Plan, we may ask for a Pre-Policy Medical Check-up (PPMC) to understand your current health status. It's important to disclose your medical history too. The health insurance rates will depend on your current and past medical history. Rest assured, we're here to support you and offer the best deal and health insurance instant coverage that fits your unique situation.
Want affordable health insurance without compromising on coverage? Here are smart ways to lower your health insurance premium:
Mediclaim insurance is essential. Thus, the Government of India encourages everyone to buy the best health insurance plan by offering tax benefits on the premium paid under Section 80D of the Income Tax Act, 1961.
Apart from receiving all the health insurance benefits provided by the policy, you can also save a significant amount of tax on the premium. To save tax on health policies, produce an insurance certificate while filing tax for the current assessment year. Then, you will receive tax benefits (as per the prevailing tax regulations) depending upon the number of insured members under the health plan.
You can save additional tax by opting for a preventive health check-up during the corresponding assessment year. By doing so, you receive a dual benefit — the latest status update of your health and an additional tax benefit. The tax deduction will be under Section 80D of the Income Tax Act.
| SPECIFICATIONS OF ACKO Health Plans | What do ACKO Health Plans offer? |
| Sum Insured | 1 Crore and Unlimited |
| Waiting Period | Zero Waiting Period. Coverage begins from Day 01 |
| Cashless Hospitalisation | 10,500+ Pan India Network Hospitals |
| Add-ons | ✅ Non-medical expenses ✅ Room rent waiver ✅ Doctor on call |
| Deductions on claims | Absolutely ZERO Deductions |
| Middleman commission | None, we cater directly to you |
| Pre-hospitalization Expenses | 60 days |
| Post-hospitalization Expenses | 120 days |
| Restore of sum insured | Allowed unlimited times |
| Covid-19 Treatment | Hospitalisation costs covered after 30 days |
| AYUSH Treatment | Requires minimum 24 hrs of hospitalisation |
| Tax benefits (80D) | ✅Yes |
| Quick claim settlements | ✅Yes |
| No Room Rent Cappings | ✅Yes |
| Health Insurance Portability | ✅Yes |
| SPECIFICATIONS OF ACKO Health Plans | What do ACKO Health Plans offer? |
| Sum Insured | 10 Lakhs, 25 Lakhs, 50 Lakhs, 1Crore |
| Cashless Hospitalisation | 10,500+ Pan India Network Hospitals |
| Add-ons | ✅ Non-medical expenses ✅ Room rent waiver ✅ Doctor on call |
| Deductions on claims | Absolutely ZERO Deductions |
| Middleman commission | None, we cater directly to you |
| Pre-hospitalization Expenses | 60 days |
| Post-hospitalization Expenses | 120 days |
| Restore of sum insured | Allowed unlimited times |
| Covid-19 Treatment | Hospitalisation costs covered after 30 days |
| AYUSH Treatment | Requires minimum 24 hrs of hospitalisation |
| Tax benefits (80D) | ✅Yes |
| Quick claim settlements | ✅Yes |
| No Room Rent Cappings | ✅Yes |
| Health Insurance Portability | ✅Yes |
Health Insurance Plans add-ons enhance the coverage of a regular health plan. So we have included some useful ones in the base health plan itself! Check those out below.
These expenses are usually not covered under a basic healthcare policy in India - for example, expenses for admission charges, surgical kits, syringes, etc., are not covered. But with our health plan, such non-medical expenses are also covered.
With the room rent waiver add-on, you can stay in any hospital room without worrying about how the additional charge will affect the claim amount. It won’t! Our health care insurance policy covers the full cost of room rent irrespective of its type.
Teleconsultations have gained prominence during the COVID-19 pandemic. It's easier to contact a doctor via phone call or a video call and get a remote consultation instead of personally visiting the clinic. Under this plan, we have added the doctor on call add-on where you can easily call a doctor and we will cover the cost.
Let’s do a good vibe check by deep diving into our Health Insurance Plans and what you will get when buying our plan.
| KEY FEATURES | ACKO ADVANTAGE | Meaning |
| Co-pay | 0% | When we say we have 0% copay, we mean that we will bear the full cost for a covered medical treatment and you don’t have to make a partial payment. |
| COVID-19 treatment | Up to your Sum Insured | All COVID-19-related (any variant) hospitalisations are covered. |
| AYUSH treatment | Up to your Sum Insured | AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy) treatments that require overnight hospitalisation are covered. |
| Teleconsultations (Through ACKO app) | Up to your Sum Insured | Teleconsults with General physicians or Specialists are covered, as long as you initiate the teleconsult from the ACKO app. |
| Preventive health checkup | Annually (for insured members above the age of 18 years) | 1 annual health check-up for all insured members above 18 years is covered. You can visit a lab of your choice and get a preventive health checkup done. |
| Inflation protect | Annual sum insured increases by 10% | With this feature, you get something better than NCB (No Claim Bonus). Here, your sum insured will be increased by 10% every year, regardless of whether you raise a claim or not. |
| Pre-hospitalisation | (up to 60 days before) | All costs associated with your medical condition (e.g., doctor's visit, lab tests, medicines) in the days leading up to your hospitalisation are covered. Most insurers will only cover a few days before hospitalisation. |
| Post-hospitalisation | (up to 120 days after) | All costs associated with your medical condition (e.g., doctor's visit, lab tests, medicines) after discharge from the hospital are covered. Most insurers will only cover a few days after hospitalisation. |
| ICU fees | Up to your Sum Insured | All ICU fees are covered. |
| Ambulance charges | Up to your Sum Insured | All charges to transport the insured members to the hospital (via roadways) are covered. |
| Day-care treatment | All treatments covered up to your Sum Insured | All hospitalisations that last less than 24 hours (as long as they are medically necessary) are covered, for example, Cataract, Coronary angiography, Haemodialysis, Chemotherapy, Ligament tear/meniscus tear surgery, and Radiotherapy (for cancer). |
Let's make sure you're covered and worry-free! These are our basic eligibility criteria.
People above the age of 18 years can buy the ACKO Platinum Health Insurance plans for themselves and their family members.
Currently we only cover Indian nationals. So if you reside in India, our plans are available for you and your loved ones.
Note: It is mandatory for members over 18 years to undergo medical screenings when they buy health insurance. We call these tests Per-Policy Medical Checkup (PPMC). They are completely free.
In today's digital age, you can easily apply for health insurance online. So, why is everyone going gaga over online health insurance? Well, let us break it down for you. Here are some of the perks you get when you buy health insurance online.
Wanna know the coolest part about buying health insurance online? You can compare plans from different providers right there on your screen and get free medical insurance quotes. It's like having all the options laid out for you to see. You can check out medical insurance premiums, deductibles, coverage limits, and more. It's all about finding the plan that fits your needs and budget like a glove. No more guesswork!
Let's talk about ultimate convenience! With mediclaim policy online, you from the comfort of your PJs. No need to step out or rush to an insurance company's office. You can do it all, right from your couch or desk. It's like having a virtual insurance store open 24/7 just for you. Time-saving and hassle-free. That's the way to go!
Saving money? Yes, please! Buying health insurance online can actually be cheaper than going through an agent. You know why? Because it cuts out the middleman's commission. Plus, many insurance companies offer exclusive mediclaim policy online deals and discounts. So, you not only get the coverage you need, but you also keep more money in your pocket. It's a win-win!
We've got your back when it comes to making things super easy. We have user-friendly mediclaim policy online platforms that are a breeze to navigate. It's like having a personal assistant guiding you through the process. You can view policy details, explore additional resources, and get all the info you need to make a smart decision, on your phone. It's all about simplicity and clarity.
No hidden surprises here! Buying health insurance online gives you the gift of transparency. You can easily access all the nitty-gritty details of the policy, like coverage limits, exclusions, and benefits. It's all right there on our website for you to see and review. So, you can make an informed decision without any guesswork. Transparency is key!
We're really excited that you're interested in purchasing our health care insurance policy! It's an important step towards protecting yourself and your family. We want to express our gratitude for considering us as your trusted insurance provider.
Buying our mediclaim policy online is simple and convenient. Just follow the steps below, and we'll ensure you get the best health insurance coverage in India. Let's embark on this journey together and secure a healthier future for you and your loved ones!
Visit the platform: Visit www.acko.com or download the mobile app.
Share details: Enter a few details such as your age, dependent’s details, and some other personal information to get a health insurance quote.
Processing: Once you buy the plan, we will take a few days to process the request.
Policy Issuance: We issue the policy as soon as the processing is completed. Note that your coverage begins from the date of purchase, so don’t worry about the processing time.
To get an insurance policy, below is the list of documents required.
This can include a Driving Licence, Voter ID, Passport, Birth Certificate, etc.
You will need to provide a PAN card, Passport, Driving Licence, Voter's ID, or other similar identification documents.
You may need to submit documents such as a Ration card, Passport, Voter's ID, Aadhaar card, bank statement, telephone/electricity bill, etc. to prove your address
In some cases, you may be asked to undergo a medical check-up and submit the report to the insurer.
Note: The exact set of documents may vary depending upon the nature of claim.
You can add up to ten members to your ACKO Platinum Health Insurance Policy, including two adults, two parents, two parents-in-law, and up to four children when you buy health insurance in India. The policy is available to individuals above 18 years of age, with dependent children aged between three months to 25 years being eligible.
| Eligibility Criteria | Allowed under Platinum Plans |
| Insured members | 10 Members |
| Policyholder’s age | 18 years and older |
| Dependent spouse’s age | 18 years and older |
| Dependent children’s age | 3 months - 25 years |
| Parents | 2 members |
| Parents-in-law | 2 members |
Now let’s discuss claims, which is the whole point of buying health insurance. We will try to keep it simple.
Health insurance claims are requests you make to your insurance company to cover the costs of medical treatments. Remember that you can only claim against things that are covered in your insurance plan. So it's very important that you know what is covered and what is not.
Here are the differences between cashless and reimbursement claims.
| Feature | Cashless Claims | Reimbursement Claims |
| Definition | The insurer directly settles your medical bills with the hospital. | You pay the hospital bills first and then claim a refund from your insurer. |
| Where it works | At network hospitals tied up with the insurer. | At any hospital, network or non-network. |
| Payment process | No payment from your side (except non-covered expenses like food, registration). | You pay upfront, then submit documents to get reimbursed. |
| Documentation needed | Minimal – just your health card, ID proof, and pre-authorization form. | Detailed – original bills, reports, discharge summary, and claim form. |
| Time taken for settlement | Usually processed within a few hours by the hospital and insurer. | Can take a few days to a couple of weeks, depending on documentation. |
| Convenience | Very convenient, especially during emergencies. | Slightly more effort, as you manage payments and paperwork. |
| ACKO Claim Process | 100% digital, paperless, and fast via the ACKO app or website. | Simple upload process through the ACKO app with guidance from our support team. |
| Ideal for | Planned treatments or emergencies at network hospitals. | Treatments at non-network hospitals or where cashless is not available. |
Getting your health insurance claim rejected can be frustrating, especially during a medical emergency. But the good news is, most rejections happen due to avoidable mistakes. Here are some common reasons why claims get rejected and what you can do to prevent them.
The Claim Settlement Ratio (CSR) is an important parameter in the insurance industry. It shows the percentage of claims settled by an insurance company against the total number of claims it receives. A high CSR could mean that the insurer is reliable and has a good track record of paying claims. Here’s why CSR matters and how it impacts your health insurance decision.
The Claim Settlement Ratio is calculated by dividing the number of claims settled by the insurer by the total number of claims received, and then multiplying by 100.
CSR = (Number of claims settled/Number of claims received)×100
You can look after your family at
Max healthcare
Manipal hospitals
Fortis hospital
Apollo hospitals
Narayana hospital
Aster Hospitals
Here are the steps to follow if you wish to download the physical copy of your medical care insurance policy in India.
Scroll up to the top and log in to your ACKO account. Use the registered mobile number to generate the one-time password.
Click on your health insurance policy to open it.
Click on download and take a printout.
Gone are the days when you had to keep the hard copy of your health insurance policy handy. Now, you can access it anytime by simply downloading it from your ACKO account. Here is how.
Steps to download your ACKO Health Insurance Policy.
Scroll up and click on the Login button to access your ACKO account.
Open your health insurance policy and click on download.
Alternatively, check the inbox of your registered email address for the policy and download the attachment.
You must renew your health insurance policy if you want uninterrupted medical coverage. The renewal process offers you a chance to assess the existing coverage and update the policy as well.
The contactless online method appears to be the ideal choice for renewing health insurance coverage in light of the recent pandemic. Here are steps to renew a medical plan online.
You will get a renewal-related email reminder before policy expiry.
The payment link for policy renewal will be included in the email. To make the payment, just click the link.
After making your payment, you will receive your renewed insurance plan shortly.
Porting your health insurance allows you to switch to a new insurer while keeping your existing benefits. If you're looking for better coverage, lower premiums, or improved customer service, health insurance portability is a great option.
When you stay healthy and don’t file any claims during a policy year, you get rewarded! This reward is called a No Claim Bonus (NCB). It's one of the best ways to get more value from your health insurance plan, without paying more.
A No Claim Bonus is a benefit you receive for not making any claims in a policy year. Insurers offer NCB in two ways.
Here are some examples of loyalty benefits.
Here’s why you should consider choosing ACKO.
You can buy, manage, and claim health insurance all from the ACKO app. There will be no physical paperwork.
We sell directly to you without the layer of agents and thus have no agent commissions.
With ACKO, you can track your health insurance claims in real time through the app.
Get cashless claims at 10,500+ hospitals in India.
Quick financial help when in need during a medical emergency.
No hidden costs, co-pays, or surprises. Get transparent health insurance with easy-to-understand policy terms.
Whether you’re an individual, a family, or a senior citizen, we have tailored health insurance plans that suit different needs.
There is no waiting period of any kind on our Platinum Plans, thus you can practically claim from the first day of the policy start date.
Our customer support team is available 24/7 to help with any queries or issues related to your policy or in case of a medical emergency.
At ACKO, it's not just about buying a health insurance plan and safeguarding your finances. You can do much more on the ACKO app, like get ABHA cards, prepare for emergency hospitalisation, get medicines online, book doctor consultations, and much more.
Whether you're looking for a basic plan or a more comprehensive one, we have something for everyone.
Discover your ideal online health insurance policy with ACKO's Platinum and Super Top-up Plans, which offer multiple sum insured options for complete coverage. Our plans are designed to provide comprehensive protection to suit your unique medical insurance needs
Yes, most health policies cover coronavirus treatment; however, please check the applicable policy wordings to confirm the same. IRDAI has directed all general insurers to offer coverage for coronavirus treatment through health plans.
Here is a list of the three most popular medical insurance myths that some people believe are true. But in reality, they are just myths and should not be considered to be true.
Some people prefer buying medical insurance schemes using the traditional method—through intermediaries or by visiting an insurance company, as they might distrust online insurers. However, each insurance company (whether online or offline) must be registered with the Insurance Regulatory and Development Authority of India (IRDAI). You must cross check their registration number on the IRDAI website before purchasing insurance. By the way, ACKO’s IRDAI registration number is 157!
Usually, health insurance products cover pre-existing diseases after a certain waiting period. However, under ACKO Health Insurance Policy, we cover pre-existing conditions from day 01. We bear the treatment costs with zero deductions on an approved claim. All you have to do is tell us about your medical history and disclose any pre-existing disease (if applicable) while buying the plan.
Under ACKO Health Insurance Policy, you get coverage for daycare procedures, emergency transport, and also pre and post-hospitalisation. These coverages are not limited to hospitalisation and extend to other medical treatments as well. So under our health insurance scheme, you can make a claim against an inclusion even if it is not related to hospitalisation.
Health insurance is a financial product and can have many words that sound complex. So here are the meanings of some common terms related to health insurance.
These are also health insurance coverages, but you need to get them separately by buying the policy. At ACKO, you can skip this step as we provide some very useful add-ons like Room Rent Limit Waiver, Doctor-on-call, etc., to your health plan.
It is a reward given by the insurer if you do not make any claims during a policy year. NCB can be offered as a percentage increase in the sum insured or as a premium discount at the time of renewal. This is a great way to get more coverage without having to pay higher premiums.
It is the maximum amount your insurer will pay in the event of a claim. It is the total limit of coverage for all medical expenses during the policy period. For example, if you have a sum insured of ₹10 lakh, the insurer will pay up to ₹10 lakh for covered medical treatments.
These are situations that are not covered under your health insurance plan. Insurance companies have some common exclusions like intentional injuries, injuries/death from a criminal activity, etc.
OPD or Outpatient Department includes medical procedures that do not require prolonged hospitalisation. These are treatments that can be done in a few hours.
This is a type of health insurance plan that offers coverage for you and your family members. You do not have to worry about managing multiple policies. Under this plan, the sum insured can be shared among insured members.
This is useful if you exhaust the sum insured of your health plan. Under the restoration benefit, the insurance company will restore your sum insured and you can claim again.
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Health insurance protects you against medical costs, but when combined with a 1 crore term life insurance coverage, your loved ones are fully protected financially. In the event of unforeseen circumstances, a term insurance policy gives your beneficiaries a sizable payout, enabling them to preserve their financial stability.
By securing both health and life insurance that suit your needs, you create a comprehensive strategy to safeguard your family’s health and financial future. Remember that selecting a good life coverage policy depends on what you need, your age, income, future goals and more. Using an online term life insurance calculator can make this process easier and help you make informed decisions.
Have queries related to ACKO’s Health insurance policies? Refer to our Policy Wordings for detailed information or reach out to us via email or phone using the information below
Call us on 1800 266 2256
Select Language: English Hindi
Health Disclaimer: *Except for exclusions like maternity benefits, undisclosed diseases, etc. Please check policy wording for more details.
**In case the pre-existing disease surfaces after a policy is issued. However, at the time of claim, if it is found that the policyholder did not disclose any known pre-existing diseases while buying the policy, the claim may get rejected.
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