Acko 1 Crore Health Insurance Plan: High Coverage, Zero Worries
In today’s healthcare landscape, rising medical costs can leave even well-prepared families financially drained during serious medical emergencies. A single major surgery or critical illness treatment at a top-tier hospital can easily cost lakhs—or even crores. That’s why more Indians are now opting for high sum insured plans, and the Acko 1 Crore Health Insurance Plan stands out as a powerful option.
Designed for those who want comprehensive, long-term protection without compromising on quality healthcare, this plan from Acko Health Insurance ensures you’re fully covered in case of any medical emergency. Let’s explore this plan in depth to understand how it can become your financial backbone during uncertain health situations.
What is Acko’s 1 Crore Health Insurance Plan?
Acko’s 1 Crore Health Insurance Plan is a high-value health insurance policy that provides medical coverage up to ₹1 crore per policy year. Whether you’re dealing with critical illnesses, expensive surgeries, ICU stays, or prolonged hospitalization, this plan gives you the freedom to choose the best hospitals and doctors without worrying about costs.
With Acko Health Insurance, you not only get the high sum insured but also enjoy a seamless, 100% digital experience for purchase, management, and claims.
Why Opt for a ₹1 Crore Health Insurance Plan?
Covers High-Cost Treatments: Treatments like cancer, organ transplants, and cardiac surgeries often cost between ₹10–₹50 lakhs at reputed hospitals. A ₹1 crore plan ensures you are financially equipped.
Future-Proofing Against Inflation: Medical inflation is rising at 12-15% annually. What costs ₹20 lakhs today may cost ₹40 lakhs in a decade.
Peace of Mind for Families: Knowing your entire family can access top-class healthcare without limits reduces emotional and financial stress during emergencies.
Key Features of Acko 1 Crore Health Insurance Plan
Sum Insured: ₹1 crore per policy year
Cashless Hospital Network: 7,000+ hospitals across India
Pre & Post-Hospitalization: Up to 60 days before and 90 days after hospitalization
ICU & Room Rent: Covered up to actuals—no sub-limits
Daycare Procedures: Covers 100+ modern treatments that don’t require 24-hour admission
No-Claim Bonus (NCB): Get a cumulative bonus for every claim-free year
Unlimited Teleconsultations: Free access to doctors via phone or video
AYUSH Coverage: Covers Ayurveda, Homeopathy, Unani & Siddha if treated in recognized hospitals
Maternity & Newborn Coverage: Available as optional add-ons
Who Should Choose Acko’s 1 Crore Health Insurance Plan?
Families living in metro cities with access to premium hospitals
Salaried professionals and entrepreneurs seeking robust long-term protection
High-income earners who wish to avoid financial setbacks from medical expenses
Parents with dependent children looking for all-in-one security
Frequent travelers who want pan-India health access without cost worries
Inclusions in Acko’s 1 Crore Health Insurance Plan
In-patient hospitalization
ICU charges and nursing expenses
Surgeries and procedures
Doctor consultations
Diagnostic tests and prescribed medications
Ambulance charges
Daycare treatments
Organ donor expenses
Second opinion for critical illnesses
Mental wellness therapy (select plans)
Annual health checkups
Exclusions to Be Aware Of
Pre-existing diseases (covered after applicable waiting period)
Non-medical expenses (unless covered as an add-on)
Cosmetic and plastic surgeries (unless medically required)
Injuries from self-harm or intoxication
Participation in hazardous activities
Infertility or maternity expenses (if not added)
Acko’s Claim Process: Simple, Fast & Digital
Cashless Claim:
Visit any network hospital.
Show your Acko e-health card or policy number.
Acko directly settles the bill with the hospital.
Reimbursement Claim:
Get treated at any hospital (even if it’s non-network).
Pay upfront, then submit documents via the app.
Reimbursement processed within a few working days.
All claims can be tracked in real-time through the Acko app or website.
Add-Ons Available with 1 Crore Plan
To make your coverage even stronger, Acko offers optional add-ons such as:
Maternity & Newborn Care
Critical Illness Cover
Room Rent Waiver (if not already unlimited)
OPD Consultations & Medicines
International Second Opinion
You can customize your plan at the time of purchase to suit your lifestyle and risk exposure.
Premium & Affordability
Despite its high coverage, Acko Health Insurance makes the ₹1 crore plan surprisingly affordable, thanks to its digital-first model that cuts down distribution and overhead costs.
Here’s a rough estimate of premiums (may vary by age, city, and medical history):
| Age Group | Annual Premium (Approx.) |
|---|---|
| 25-35 years | ₹10,000 – ₹13,000 |
| 36-45 years | ₹13,000 – ₹18,000 |
| 46-55 years | ₹18,000 – ₹25,000 |
| Family Floater (2A + 2C) | ₹21,000 – ₹30,000 |
You can use Acko’s online premium calculator to get an accurate quote tailored to your needs.
Tax Benefits
Under Section 80D of the Income Tax Act, policyholders can claim tax deductions up to:
₹25,000 for self and family
₹50,000 if insuring senior citizen parents
This makes your investment in a ₹1 crore health insurance plan not just smart, but also tax-efficient.
Why Acko Stands Out in the 1 Crore Segment
| Feature | Acko | HDFC Ergo | Niva Bupa | Tata AIG |
|---|---|---|---|---|
| Fully Digital Process | ✅ Yes | ❌ No | ❌ No | ❌ No |
| Affordable High Coverage | ✅ Yes | ✅ Yes | ❌ Costly | ❌ Costly |
| Claim Settlement Time | ✅ 2–3 Days | ⏳ 5–7 Days | ⏳ 6–8 Days | ⏳ 5–8 Days |
| App & Dashboard Management | ✅ Easy | ❌ Limited | ✅ Moderate | ✅ Moderate |
Final Verdict
If you’re looking for high-sum insured health insurance that won’t drain your wallet, the Acko 1 Crore Health Insurance Plan is your best bet. It combines deep coverage with digital simplicity, ensuring you and your family are prepared for the worst—without compromising on hospital choice or treatment quality.
In a world where even basic medical procedures are getting expensive, this plan offers peace of mind and protection, all under one powerful digital platform.