Acko Platinum Health Insurance

Key features

• ✓Zero co-payment at any age
• ✓No room rent cap (any room category)
• ✓100% restoration of sum insured
• ✓10% annual Inflation-Protect SI increase, up to 100% of base SI
• ✓Coverage of all consumables (gloves, syringes, masks, etc.)
• ✓Pre-hospitalisation 60 days; post-hospitalisation 120 days
• ✓All daycare procedures covered without sub-limits
• ✓Domiciliary hospitalisation up to SI
• ✓Doctor-on-call / teleconsultation
• ✓Second medical opinion
• ✓AYUSH treatment
• ✓Lifetime renewability
• ✓Sum insured options from ₹10L up to Unlimited

What’s included

• ✓In-patient hospitalisation
• ✓Pre-hospitalisation expenses (60 days)
• ✓Post-hospitalisation expenses (120 days)
• ✓All daycare procedures (no sub-limits)
• ✓Domiciliary treatment
• ✓Consumables / single-use medical supplies
• ✓Ambulance cover
• ✓AYUSH treatment
• ✓Doctor-on-call teleconsultation
• ✓Second medical opinion
• ✓Restoration of sum insured (100%)
• ✓Annual SI inflation top-up (10%)

What’s excluded

• ✕Maternity / childbirth expenses
• ✕Hormonal therapies
• ✕Diagnostic-only admissions
• ✕Custodial care
• ✕Cosmetic / obesity surgeries (unless medically necessary)
• ✕War, riot, nuclear injuries
• ✕Adventure / hazardous sports injuries
• ✕Unlawful activity consequences

Eligibility

Min age

18 years

Max age

65 years

Max entry age

65 years

Covers

Self + spouse (2 adults 18+), Up to 4 dependent children (3 months–25 years)

Policy term

1 year

Initial waiting

Acko markets 'zero waiting' day-1 cover; 30-day initial period applies per some aggregator listings — verify on policy schedule

Co-payment

Zero co-pay

Room rent

No room rent cap — any room category covered (shared/single/deluxe)

No-claim bonus

Inflation-Protect / Annual SI increase of 10% per year, up to 100% of base SI (regardless of claims)