Acko Platinum Health Insurance Plan: Benefits, Eligibility and Coverage
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Acko Health Insurance Acko Health Insurance ★ 4.4

Acko Platinum Health Insurance

ACKO Platinum health insurance covers the insured and their family mem ...Read More

Up to 1 Crore
Sum insured
1
No. of plans
17+
Pan India presence
96.31%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 14,300+ hospitals
📊 2.30 solvency ratio
✅ 96.31% claim settlement

ACKO Platinum health insurance covers the insured and their family members for all sorts of healthcare services without imposing any waiting period.

Why Do We Recommend This?
  • Personal accident cover
  • Critical illness treatment cover
  • Doctor on call and second medical opinion available

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 years - No max limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹10 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 year

*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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Personal accident cover
  • Critical illness cover
  • SI up to 10 Lakhs

Cons

  • OPD not covered
  • ICU coverage not available
  • Cosmetic surgeries not covered

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Not covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Acko Health Insurance

Acko Health Insurance

This video talks about Acko Health Insurance in detail. It talks about the Solvency Ratio, Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

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

Frequently Asked Questions

The 7 most-asked questions about Acko Platinum Health Insurance, answered.

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.
The sum insured options available under the plan are up to INR 10 Lakhs.
Yes, premiums paid towards the Acko Platinum Health Insurance plan are eligible for tax benefits under the Income Tax Act of India, 1961.
Acko Platinum health insurance plan offers a zero waiting period facility wherein insured individuals can avail of coverage benefits from day 1.
The add-on coverage available under the plan includes critical illness coverage and personal accident coverage.
Yes, the plan suits families with its family floater option, high sum insured, no room rent limits, digital claims support, and coverage for spouse, children, parents, and in-laws.
The restoration benefit automatically refills the sum insured after exhaustion during a policy year, allowing future eligible claims for other treatments or family members under the policy.

Conclusion

Acko Platinum health is a versatile health insurance plan with a high sum insured value that can be

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 May 2026 · Originally published: 27 Sep 2024

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