Acko Health Insurance Top-up & Super Top-up Plans

A super top-up policy covers the insured for healthcare expenses arising over and above the chosen deductible limit with extraordinary features. The policy offers financial relaxation in the case when your hospitalisation claim bill exceeds the sum insured by your existing health insurance policy. These are affordable plans that offer you much-needed coverage in your time of need.

There are some insurance companies in the market that offer super top-up policies as separate policies whereas some offer super top-up as an optional feature. Acko General Insurance is one of the insurers that offer super top-up as an additional feature in its Health Insurance Policy.

Acko Health Insurance Policy

Acko Health Insurance Policy is an affordable policy that offers cashless hospitalisation benefits to the insured, along with his/her family members. The policy comes with varied sum insured options ranging between Rs. 3 Lakh and Rs. 10 crore with an annual aggregate deductible amount of Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, and Rs. 10 Lakh. It offers several basic benefits such as cover for in-patient hospitalisation expenses, daycare expenses, pre-hospitalisation, and post-hospitalisation expenses, etc; basic benefit options such as super top-up, reduction in specific disease/procedure waiting period, and add-on benefits such as doctor on call, family physician, outpatient medical services, daily hospital cash, etc.

Key Benefits of Acko Health Insurance Policy

Apart from self, Acko Health Insurance Policy covers spouse, daughter, and one son, when it comes to the family of the Proposer. Parents and parents-in-law can also be included additionally in this health insurance. The insured members can avail of the following coverage benefits:

• In-patient hospitalisation expenses
• Daycare expenses
• Pre-hospitalisation and post-hospitalisation expenses
• Road ambulance expenses
• Domiciliary hospitalisation expenses
• Organ donor expenses
• Second opinion
• Newborn baby cover

Who Can Buy This Acko Medical Insurance Plan?

Acko Health Insurance Policy can be purchased by anyone who is aged between 18 years and 65 years. The policy also covers dependent children if they are aged between 91 days and 24 years.

Waiting Period Under the Plan

Acko Health Insurance Policy comes with an initial waiting period of 30 days for all illnesses. Kindly note that the waiting period is calculated from the date of issuance of the policy.

Renewability of The Plan

Acko Health Insurance Policy offers lifetime renewability benefits to the insured. This means that there is no restriction on age to renew the policy.

Exclusions Under the Plan

Acko Health Insurance Policy does not cover you for the following expenses:

• Treatment for cosmetic expenses
• Treatment is required due to participation in hazardous or adventure sports like mountain climbing, parasailing, etc.
• Treatment for HIV/AIDS or other sexually transmitted diseases
• Unproven or experimental treatments
• Treatments other than allopathic or AYUSH treatments
• Sleep disorders
• Any treatment that is unproven or done solely for the purpose of experiment or evaluation