A 50 lakh health insurance makes your insurance plan more effective and comprehensive with a high sum insured. This is the maximum claim amount that your insurance provider will pay and it can easily cover large medical expenses. You can get affordable premiums for such plans by customising them based on your specific medical needs. Insurance with 50 lakh sum insured can give you access to speciality hospitals and treatments, offering you peace of mind and cashless hospitalisation benefits.
Zero
Waiting period
10,500+
Cashless hospitals
100%
Bills covered
A ₹50 lakhs health insurance means that you will be covered for ₹50 lakhs for hospitalisation and related expenses. It meets significant medical expenses and binds you and your family with adequate protection against high-cost treatments without a shortage of provisions.
Compared to other standard plans, ACKO Standard Plan with Rs. 50 lakhs sum insured offers more benefits. Here’s how these benefits can help you.
You probably won't need top-ups or super top-ups with a high sum insured of Rs. 50 lakhs. However, if your sum covered is ever used up, you have the choice to restore 100% of your Rs. 50 lakhs sum insured.
While purchasing a health plan, you are typically asked to pay a separate premium for buying an add-on. However, valuable add-ons like Doctor on Call, Room Rent Waiver, etc., are already included in your ACKO policy.
Hospitalisation costs won't be a concern because you will always have a high and sufficient sum insured with our Rs. 50 lakhs health plan.
People typically buy a dedicated policy to cover critical illnesses at a high premium because the associated treatment is expensive. With our Rs. 50 lakh health plan, you will not require a separate insurance policy to cover these costs. We will cover hospitalisation expenses for critical illnesses under this plan.
The main features of the 50L ACKO standard plan that stand out among others are.
Usually, during a health insurance claim, you must pay additional, non-negotiable hidden fees, such as mandatory out-of-pocket expenses, copay, and other medical expenses. Although these expenses might not seem like much when taken separately, they can add up over time, and most insurance policies do not cover them. Remarkably, all these charges are covered in the 50L ACKO Standard Plan. This makes the plan comprehensive allowing you to focus solely on improving your medical condition without worrying about getting charged for additional services.
When you opt for the 50L ACKO Standard Health Insurance Plan, you unlock the No Room Rent Capping add-on. This grants you the flexibility to pick the hospital room of your choice, free from financial worries. We will fully cover the room rent without any proportional deductions from your claim amount.
The following add-ons are included in your Rs. 50 Lakhs ACKO Standard Plan.
Our health plan covers all non-medical expenses. These are costs of things like admission and registration charges, syringes, sterilised injections, nutritionist or dietician charges, etc. Typically insurers do not pay these expenses during a claim. You need to pay them. With the 50L ACKO Platinum Plan, we have included coverage for non-medical expenses.
On the 50L ACKO Platinum Plan, you can choose whichever kind of hospital room you want, private, deluxe, super deluxe, or even a suite, under the Room Rent Waiver add-on. For instance, unlike the restrictive room rent plans that make you dig your pocket when upgrading your room, all rent is covered under this plan.
With our Rs. 50 lakhs health plan, you have access to numerous teleconsultations whenever you need to speak with a doctor. COVID-19 made virtual consultations the need of the hour. Even after the pandemic’s peak, patients and doctors understand its significance and demand the same. Patients can easily obtain a doctor's opinion through video conversations thanks to the Doctor On Call feature of the 50L ACKO Platinum Plan.
✅ Medically necessary hospitalisation
✅ Post-birth complications
✅ Wider coverage for pre and post-hospitalisation
✅ Multiple ambulance trips
✅ Domestic Emergency Evacuation
✅ Organ donation expenses
✅ Second opinion consultations
✅ Annual preventive health check-ups
✅ Inflation protect sum insured
✅ Restore sum insured
❌ Undisclosed pre-existing diseases
❌ Sterility and infertility treatment
❌ Maternity expenses
❌ Change-of-gender treatments
❌ Vision correction surgery for less than 7.5 dioptres
❌ Cosmetic surgery, unless necessary due to an injury
❌ Dental treatment unless required due to an accident
❌ Weight control surgery
❌ Resuscitation treatment for attempted suicide
❌ Supplements and hormonal therapy
As health insurance plans with 50 lakhs coverage are not standard, the final payable premium can vary based on certain parameters. Numerous variables can affect the 50L ACKO Standard Plan’s final cost. These variables can be your age, the number of covered dependents, where you live, etc. You must provide us with such basic information so that we can calculate the actual premium for the Rs. 50 Lakhs Insurance Plan.
Along with the benefits and features of our wide-ranging cover mentioned above, here’s what makes ACKO one of the best options for purchasing health insurance.
You can benefit from the cashless claims facility across 10,500+ hospitals with a tie-up with ACKO. Call us to raise a cashless claim, and we'll assist you.
We are trusted by more than 7.5 crore people for their insurance requirements. Our offerings cover a variety of categories, including those for group medical insurance for employees and motor insurance.
Got a question racing through your head? Just call 1800 266 2256 or send an email to [email protected] for quick query resolution.
It's pretty simple to submit a claim for your Rs. 50 Lakhs Health Insurance Plan. All you need is a smartphone with an active internet connection. Download the ACKO app to your phone, create your account, and raise a claim from anywhere by following the easy steps mentioned during the claims process.
Nowadays, you can practically access anything instantly on your phone, including health insurance. Before the advent of the internet, buying health insurance required a significant time commitment. You had to gather the necessary paperwork, visit the insurance provider, or meet with a middleman to help you choose the best plan. Things changed with digital-first insurers like ACKO.
The online process is considerably more time-efficient. Just use your computer or smartphone to research, compare health insurance policies, and select an appropriate policy. As was the case earlier, you no longer need a middleman to assist you in purchasing the plan. Moreover, you get the policy document almost instantly with online health insurance.
Here’s how you can apply for a 50L ACKO Standard Plan:
Visit www.acko.com or download the ACKO app.
Use your mobile number to create your ACKO account and share basic details related to you and the people you want to cover.
Just answer a few questions, review the plan, and make payment. Post that, you will receive your health insurance policy in your registered email ID’s inbox.
Anyone who is 18 years of age or above can purchase the ACKO Standard Plan with Rs. 50 lakhs sum insured. Six dependents, including two adults over 18 and children between the ages of three months and 25 years, can be insured under this plan.
There’s no unnecessary physical form filling and tedious document submission involved when you are buying a health plan from us. You just need to provide information about your previous and current medical condition so that we can generate a custom health insurance quote for you and your loved ones. The next step is to make the payment and get insured.
The ACKO Standard Health Plan has waiting periods that take effect upon policy purchase. Here's an overview of how these waiting periods work.
You cannot get coverage for treatments for 30 days starting from the first day of your policy. However, accident claims are allowed.
Certain medical conditions become eligible for insurance coverage after a waiting period of 2 years. The specific ailments covered are detailed in the Policy Wordings.
Coverage for pre-existing diseases comes into effect after 3 years of policy acquisition, provided the policy is consistently renewed without any breaks.
ACKO 50 Lakh Standard Health Insurance Plan has features such as a sum insured of Rs. 50 lakh and there are no restrictions on the room rent or non-medical expenses. As simple as the online process is, this plan protects you and your family from massive medical bills.
Here are some queries you might have about the 50L ACKO Standard Plan or even about health insurance in general. Feel free to send an email to [email protected] if you have any additional questions.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.
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Reviewed by Rupinderjit 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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