After the pandemic, Indians are more aware of the importance of health insurance and are willing to get the best health plan that suits their healthcare needs. This plan helps you during medical emergencies by providing coverage for pre and post hospitalisation, hospitalisation, surgeries, etc. Read ahead to know all about the 25L ACKO Standard Plan.
Plans start at just ₹21/day*.
We pay 100% of your hospital bills
From syringes to surgeries
No limit on hospital room rent
No compromises on recovery
₹25 Lakh Health Insurance is a policy that offers a sum insured of Rs. 25 lakhs to the insured members. The ACKO 25 Lakhs Standard Health Plan is perfect for someone looking for adequate coverage at a budget-friendly premium. This plan takes care of your covered medical expenses in the time of need where rising healthcare costs can pose a threat to your finances.
Here are the key features of ACKO 25L Health Insurance Policy.
The 25L ACKO Standard Health Insurance Plan comes inbuilt with the Room Rent Waiver add-on. This means you have the freedom to select any type of hospital room you like. We will cover the entire room rent without applying proportionate deductions on your hospital bill.
Usually, your final hospital bill can include expenses for non-medical expenses, copayment and other deductibles. These expenses may not be covered under other plans in the market. But with the 25L ACKO Standard plan policyholders don’t have to worry about any such deductions.
Here are the benefits of the ACKO ₹25L Health Insurance Plan.
Considering the rising costs of healthcare in India and how they can lead to a financial crunch, it makes sense to buy a high coverage health plan. ₹25 lakhs can help you cover your and the family’s medical costs easily during the policy period.
Usually, add-ons are purchased separately by paying an extra premium. However, essential add-ons like Room Rent Waiver are included in your 25L ACKO Standard Plan’s premium, so you don’t have to pay extra.
Most people choose to buy an additional policy to get health insurance backup for serious illnesses. But with our ₹25 lakh sum insured plan, you don’t need to worry about buying a separate policy, as hospitalisation expenses for critical illnesses are already covered in the plan.
Due to rising inflation, a ₹25 lakh sum insured might seem insufficient. However, our Inflation Protection feature counters this, as we will add a percentage-wise increase to the sum insured upon renewal, provided there’s no gap between the renewals.
A medical event becomes easier to manage when the hospital bills are taken care of. This is possible through cashless claims. ACKO has a network of over 10,500 hospitals all over India. Additionally, with the recent Cashless Everywhere facility policyholders can visit non-network hospitals for cashless claims.
Tax benefits on health insurance are still available under the old tax regime of the Income Tax Act. Taxpayers can reduce their taxable income by submitting details about health insurance premium payments, depending upon the age of the insured members.
With a high sum insured of ₹25 lakhs you will be free of any worries related to managing medical expenses. You don’t need to think about arranging funds or otherwise be financially prepared for a medical emergency.
Our 25 Lakhs Health Insurance Plan provides the following coverages.
✅Hospitalisation in case of a medical emergency: Policyholders can breathe easy as we cover all medically necessary hospital expenses. For example, the cost associated with the operation theatre and expenses for diagnostic tests shall be covered.
✅No cap on room rent: Your policy enables you to go with any hospital room, as it covers your room rent and also includes cover for ICU-related expenses.
✅Daycare treatments: Short-duration daycare treatments are covered under our ₹25 Lakh Health Insurance Policy without any additional premium. For example, a cataract surgery is covered and you can go home after a few hours, as this procedure does not require you to stay at the hospital for a long time.
✅Pre and post-hospitalisation expenses: 60 days pre-hospitalisation and 120 days post-hospitalisation coverage will be provided by ACKO to further reduce your expenses.
✅Ambulance trips: Each trip to the hospital in an ambulance costs money and may not be covered under a basic health insurance policy. To help lower your expenses, all ambulance trips are covered for each hospitalisation claim.
Other coverages under ACKO’s 25 lakh sum insured policy:
✅Medical treatments at home: Treatment-related expenses that need a professional setup at your home will be covered.
✅Second opinion: A second medical opinion from a doctor is often needed before hospitalisation; such consultation costs will also be covered.
✅AYUSH coverage: Ayurvedic, Yogic, Unani, Siddha and Homeopathy, treatments which some people prefer over allopathy, will also be covered as a part of your policy.
❌Undisclosed pre-existing diseases
❌Treatments for sterility and infertility
❌Maternity expenses
❌Gender change treatments
❌Eyesight correction procedures (less than 7.5 diopter eyesight)
❌Cosmetic surgeries (unless required due to an accident)
❌Dental treatments (unless required due to an accident)
❌Suicide
Note: An exhaustive list of inclusions and exclusions is available in the policy wordings of our plan.
The health insurance premium for the 25Lakh ACKO Standard Plan depends on multiple factors. For example, your age and the location play a significant role in determining the premium. During the policy purchase process, we request such basic details and calculate the premium accordingly.
ACKO is making insurance simple and raising claims simpler. All you need to do is get the ACKO app on your smartphone and raise a claim. Here are the steps.
Now rest assured, as we will take over from here. We will ensure that your claim is processed as soon as possible.
Here’s all you need to know to buy the 25 lakh plan.
You can apply for it easily online through the ACKO app or website.
Steps to buy a 25 lakhs medical insurance plan online.
Indians aged 18 years and above are eligible to buy the 25L ACKO Standard Plan.
To help you get insured as fast as possible, all you need to do is share crucial past and current health status information with us, and a health insurance quote will be personalised and created based on your needs. We will get in touch with you in case we need any specific documents to process your application.
ACKO Standard Health Plan includes various waiting periods that come into play once you buy the policy. Here is how it works.
For all policyholders, there is a fixed initial waiting period of thirty days, starting from the policy's start date. During this period, only accident-related claims are allowed.
Certain medical conditions become eligible for insurance coverage after a two-year waiting period. The list of these ailments will be available in your health insurance policy.
Coverage for pre-existing diseases begins after three years of policy purchase, provided that the policy remains active without any gaps.
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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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