Welcome to ACKO, where your health is our priority. Our Standard Health Insurance Plan is designed to give you peace of mind for any future medical expenses. Let's dive into the details of this plan and understand why it's an excellent choice for you and your family.
Zero
Waiting period
10,500+
Cashless hospitals
100%
Bills covered
The ACKO Standard Health Plan is a comprehensive health insurance policy that provides financial assistance during a medical emergency. This comprehensive plan offers broad coverage options, including expenses related to hospitalisation, daycare treatments, ambulance charges, and more. With zero deductions on claims and no capping on room rent, policyholders' experience becomes pretty effortless. It offers economical convenience with solid protection for various health needs. Thus, the ACKO Standard Health Plan will be very effective at both individual and family levels.
We believe in transparent dealings. With our plan, you get the full claim amount for approved claims without any hidden deductions. Your claims are settled as per the policy's terms and conditions. This means that when you file a claim that falls within the scope of your coverage, you receive the entire amount you are entitled to, without any reductions for administration fees or other costs, ensuring a straightforward and reliable claims process.
Room rent can be a significant portion of the total bill during a typical hospital stay. Room Rent Waiver is an add-on feature in the ACKO Standard Health Insurance Plan. It ensures you can choose any hospital room you prefer, be it a private room, deluxe, super deluxe, or even a suite, without worrying about the associated costs.
No need to pay extra for add-ons like Doctor on Call, Room Rent Waiver, and coverage for Non-medical Expenses. We've got you covered with these valuable add-ons. This comprehensive approach enhances your insurance protection and adds layers of convenience and comfort, ensuring that your health insurance plan adapts to your needs rather than the other way around.
You won't need a separate policy to cover critical illnesses. We provide coverage for hospitalisation expenses related to critical conditions. This integration into your main health plan saves you the hassle and additional cost of managing multiple insurance policies. It ensures that you're covered in the event of severe health issues such as cancer, heart disease, or stroke, providing significant financial relief and support during some of life's most challenging times.
Here is a list of features for the ACKO Standard Health Insurance Plan.
| SPECIFICATIONS | WHAT DO WE OFFER? |
| Sum Insured | 10 Lakhs, 25 Lakhs, 50 Lakhs, and 1 Crore |
| 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-hospitalisation Expenses | 60 days |
| Post-hospitalization Expenses | 120 days |
| Restore the 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) | ✅ |
| Quick claim settlements | ✅ |
| No Room Rent Cappings | ✅ |
| Health Insurance Portability | ✅ |
The ACKO Standard Health Plan is better than others in the market due to several compelling reasons and the valuable inclusions it offers, providing extensive coverage and benefits to policyholders:
| Feature/Inclusion | ACKO Standard Health Plan | Other Plans in the Market |
| Zero Deductions on Claims | Covers all expenses, including non-medical costs. | You bear non-medical expenses. This leads to higher out-of-pocket costs. |
| Zero Co-pay | No co-payment, reducing your financial burden during claims. | Fixed co-pay, increasing your out-of-pocket expenses. |
| No Room Rent Capping | No limit on room rent; choose any room without worrying about extra costs. | Capping on room rent increases your hospital bill if you select a higher-category room. |
| Critical Illnesses Covered | Coverage for hospitalisation included different types of critical illnesses. | Requires purchasing a separate Critical Illness Policy. |
| Wide Coverage for Senior Citizens | Coverage for hospitalisation included for different types of medical issues. | Requires buying a separate Senior Citizen Health Plan. |
| Quick Claim Settlement | Faster claim settlements, usually within a few days. | Claim settlement may take weeks. |
| In-patient Treatment | Covers hospitalisation expenses, including room rent, doctor visits, surgeries, and medicines. | Limited inclusions; may require additional riders for full coverage. |
| Daycare Procedures | It encompasses procedures that do not warrant overnight hospital stays, such as cataract surgery and chemotherapy. | It is sometimes excluded or provided in the package separately at an additional charge. |
| Pre-hospitalisation Expenses | It has been estimated that screening could begin up to 8 weeks before patients are admitted to the hospital. | Very restricted or nil benefits for expenses incurred before hospitalisation. |
| Post-hospitalisation Expenses | A total of up to 120 days post-discharge. | Low or no insurance benefits for expenditures made after a hospitalisation. |
| Domiciliary Treatment | Explores activities performed at home where admission is not possible. | They are frequently left out of an organisation’s standard policies. |
| Organ Donation Costs | Pays expenses incurred on donor hospitalisation. | Sometimes, it is an option, but most often, it is a part of the service packages. |
| Ambulance Services | That is precisely what emergency ambulance transport cover means. | There may be some restrictions or exclusions on the expense of an ambulance. |
| AYUSH Treatment | It also involves provisions for hospitalisation under the treatment of Ayurvedic and Siddha systems of medicines, Unani Medicine Homoeopathy, and Yogic Sciences. | They add that complementary and alternative treatments are often ignored or restricted. |
| Newborn Baby Coverage | Provides expenses linked to the newborn as per coverage offered in the policy. | Usually, it must be purchased as a new policy or a rider on the mother’s policy at childbirth. |
Personal medical insurance has specific situations where you can't make a claim, known as exclusions. Here are things not covered by our standard medical insurance.
If you intentionally harm yourself or attempt suicide, the insurance won't cover the treatment cost.
Injuries from adventurous sports activities are not covered.
Medical attention resulting from engaging in criminal activities isn't covered.
The insurance doesn't cover the cost of cosmetic or dental surgeries unless it's needed due to an accident.
Costs for infertility treatments are generally not covered.
Any medical treatments or surgeries not specified in the policy document won't be covered.
Expenses related to changing one's gender characteristics through treatment or surgery are excluded.
Treatment expenses for correcting eyesight due to a refractive error less than 7.5 dioptres are not covered.
Medical expenses related to regular childbirth, miscarriage (unless due to an accident), or lawful termination of pregnancy during the policy period are not covered.
With over 7100 network hospitals, we provide a cashless claims facility for your convenience. Just call us to raise a cashless claim, and we'll guide you through the process.
We sell insurance directly to you. This allows us to eliminate the middle layer of third parties. This layer is usually responsible for increasing your premium. Thus, when you buy directly from us, you pay a lower premium.
Join the 8 Crore+ individuals who trust ACKO for their insurance needs. We cover various categories, from health insurance to motor insurance, ensuring a wide array of offerings.
The following types of waiting periods apply on your ACKO Standard health plan.
| Type of Waiting Period | Coverage |
| Initial Waiting Period | 30-day waiting period from the policy start date for all patients |
| Specific Illnesses Waiting Period | 2-year waiting period for coverage of certain medical conditions |
| Pre-Existing Diseases Waiting Period | 3-year waiting period for coverage of pre-existing diseases |
It is simple and fast to buy the ACKO Standard Health Insurance Plan. Follow these simple steps:
Note: You and your dependents will likely have to complete medical check-ups to be covered by our health insurance policy.
We want to ensure you're protected and stress-free! Here are the eligibility criteria for buying this plan.
Anyone 18 years or older can get ACKO Platinum Health Insurance for themselves and their family.
Our plans are for Indian nationals residing in India and their families.
Note: Again, the young man or woman buying insurance must undergo a medical examination (PPMC) if he or she is 18 or older. All the medical tests are going to be incurred by ACKO.
The ACKO Standard Health Insurance Plan is an all-in-one solution that safeguards your finances and health during adversity. Hence, health insurance policies come to the rescue in most cases with no deductions, all-embracing inclusion, and a simple negotiation claim procedure, making it one of the most reliable options. Protect yourself and your family today. Download the ACKO mobile application to learn about our health plans and get insuring!
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wording 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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