Acko General Insurance Limited
Acko Personal Health Policy (Platinum)
UIN ACKHLIP23114V012223We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹10 cr
Claim settlement (CSR)
96.5%
PED waiting
—
Specific disease wait
0 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
60 / 120 days
Network hospitals
13,000+
Free look
15 days
What this plan does well
- INITIAL WAITING PERIOD = NONE — DEALBREAKER ADVANTAGE
- SPECIFIC DISEASE WAITING = NONE — DEALBREAKER ADVANTAGE
- NO co-pay applicable on any reasonable costs (Section 8)
- NO sub-limits on covered treatments
- 120-day post-hospitalisation (industry leading)
- Non-medical expenses (List I + List II) all covered — major dealbreaker advantage
- 24/7 doctor consultation built-in (tele-health)
- Emergency evacuation from anywhere in India
Watch out for
- Maternity NOT covered (excluded)
- AYUSH not explicitly in CIS coverage list
- Free Look only 15 days (vs 30 in many plans)
- CB not traditional — replaced by Inflation Protect SI mechanism
- PED waiting per underwriting (variable) — less transparent than fixed-month plans
- Network ~13K hospitals (smaller than Star/Bajaj 18K+)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.