Aditya Birla Health
Activ Fit
- Individual and family floater Plan type
- Any Room (SI Rs 5 lacs and above) Room rent
- 36 months Pre-existing disease waiting
Premium depends on your profile
ACKO · ACKHLIP25035V022425
ACKO Platinum Lite Health Plan
ACKO Platinum Lite Health Plan (IRDAI UIN ACKHLIP25035V022425) is an individual and family floater health insurance plan with sum insured from 10 lakh to 1 crore (4 options). Pre-existing diseases are covered after 3 years.
Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.
In short
ACKO Platinum Lite Health Plan is a health insurance plan from ACKO. Key specifications: plan type Individual and family floater, room rent No limits; any room of choice; no ICU day/charge limits, pre-existing disease waiting 36 months. Among health insurance here it fits best for longer pre- and post-hospital cover.
Premium depends on your profile
- Plan type
- Individual and family floater
- Room rent
- No limits; any room of choice; no ICU day/
charge limits - Pre-existing disease waiting
- 36 months
Pros
- No co-payment on claims
- No room-rent cap
Who should buy it
- Best for Longer pre- and post-hospital cover · What matters most? (pick any) #10 of 53 health insurance for this
Full specifications
Cover
| Plan type | Individual and family floater |
|---|---|
| Sum insured options | 10 lakh, 25 lakh, 50 lakh, 1 crore |
| Highest sum insured | 100 lakh |
| Room rent | No limits; any room of choice; no ICU day/ |
| Co-payment | Zero co-pay as a standard feature |
Waiting periods
| Initial waiting period | 30 days |
|---|---|
| Pre-existing disease waiting | 36 months |
| Specific illness waiting | 24 months |
Benefits
| Pre-hospitalisation | 60 days |
|---|---|
| Post-hospitalisation | 180 days |
| Day-care treatment | Yes |
| AYUSH treatment | Yes |
| Maternity | Optional add-on: 'Covers delivery expenses and newborn care after the applicable waiting period' |
| OPD | Optional add-on: 'Doctor visits, tests and chemist bills outside the hospital' |
Insurer
| Health incurred claim ratio (insurer) | 57.82% |
|---|---|
| Claims figures for | FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10) |
| Network hospitals (insurer) | 13,200 |
| IRDAI UIN | ACKHLIP25035V022425 |
About the Platinum Lite Health Plan
ACKO Platinum Lite Health Plan (IRDAI UIN ACKHLIP25035V022425) is an individual and family floater health insurance plan with sum insured from 10 lakh to 1 crore (4 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from ACKO.
Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.
Cover and limits
- Plan type: Individual and family floater
- Sum insured options: 10 lakh, 25 lakh, 50 lakh, 1 crore
- Room rent: No limits; any room of choice; no ICU day/charge limits
- Co-payment: Zero co-pay as a standard feature
Waiting periods
- Initial waiting period: 30 days
- Pre-existing diseases: 3 years
- Specific illnesses: 2 years
Benefits
- Pre-hospitalisation: 60 days
- Post-hospitalisation: 180 days
- Day-care treatment: Covered
- AYUSH treatment: Covered
- Maternity: Optional add-on: 'Covers delivery expenses and newborn care after the applicable waiting period'
- OPD: Optional add-on: 'Doctor visits, tests and chemist bills outside the hospital'
How it compares on Comparezi
Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, none has a longer one and 21 have the same.
Premium
It depends on your age, cover, city and options. ACKO does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.
About the insurer
ACKO's health incurred claim ratio was 57.82% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. ACKO states a network of 13,200 hospitals.
Similar plans from other insurers
- Aditya Birla Health Activ Fit (ACKO Platinum Lite Health Plan vs Aditya Birla Health Activ Fit)
- Care Health Care Supreme (ACKO Platinum Lite Health Plan vs Care Health Care Supreme)
- Galaxy Health Galaxy Promise - Signature Plan (ACKO Platinum Lite Health Plan vs Galaxy Health Galaxy Promise - Signature Plan)
- HDFC ERGO Optima Restore (ACKO Platinum Lite Health Plan vs HDFC ERGO Optima Restore)
Other health insurance plans from ACKO
Sources
Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.
Alternatives
Alternatives to the Platinum Lite Health Plan
Care Health
Care Supreme
- Individual and family floater Plan type
- Up to SI Room rent
- 36 months Pre-existing disease waiting
Sample premium
₹12,292 a year*
Galaxy Health
Galaxy Promise - Signature Plan
- Individual and family floater Plan type
- SI Rs 5-20 lakh: up to Deluxe room; SI Rs 25 lakh and above: any room Room rent
- 36 months Pre-existing disease waiting
Sample premium
₹11,573 a year*
HDFC ERGO
Optima Restore
- Individual and family floater Plan type
- No sub-limit on room rent Room rent
- 36 months Pre-existing disease waiting
Sample premium
₹19,589 a year*
Similar cover
Similar health insurance plans
ACKO
Platinum Health Plan
- Individual and family floater Plan type
- No limits; any room of choice; no ICU day/
charge limits Room rent
Premium depends on your profile
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Questions
Platinum Lite Health Plan FAQs
It depends on your age, cover, city and options. ACKO does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.
ACKHLIP25035V022425. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.
3 years, as stated by the insurer.
Room rent as stated by the insurer: No limits; any room of choice; no ICU day/charge limits.
Co-payment as stated by the insurer: Zero co-pay as a standard feature.
Maternity as stated by the insurer: Optional add-on: 'Covers delivery expenses and newborn care after the applicable waiting period'.
60 days before and 180 days after hospitalisation.
10 lakh, 25 lakh, 50 lakh, 1 crore.
Data sources
- Manufacturer official pages
Last updated
Product details
Disclosure
Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.