Acko Platinum or Digit Infinity Wallet Plus *DETAILED COMPARISON* | Health Insurance 2025 | Ditto

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In this video, we compare ACKO Platinum Health Insurance Plan with its “Unlimited Sum Insured” and Digit Infinity Wallet Health Insurance Plan with its ₹3 crore cover — breaking down benefits, limits, premiums, waiting periods, and real-world performance. By the end, you’ll know which plan delivers, which one stumbles, and whether either truly deserves your money.

Unlimited cover. Zero room rent caps. Cashless claims from your phone in a few taps.
If you’re young, tech-savvy, and browsing for health insurance in 2025, you’ve probably seen the bold promises from ACKO Health Insurance and Digit Health Insurance. Both claim to be built for the internet generation, both push sleek app experiences, and both want you to believe you can forget the fine print. But once you dig deeper, the story gets more interesting.

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Both plans share some headline similarities:
✔ No co-pay, no room rent restrictions, and no disease-wise sub-limits
✔ Strong pre- and post-hospitalisation cover — Digit offers 60 and 180 days; ACKO offers 60 and 120 days
✔ Coverage for AYUSH, day care, domiciliary treatments, and consumables
✔ Unlimited restoration — with a catch: ACKO allows it only for different illnesses, while Digit allows it for same and different illnesses (with a 45-day cooling-off for related cases)

Where they differ is where your buying decision really matters.
Bonuses: Digit rewards claim-free years with a 50% bonus on your sum insured, up to 100%. ACKO gives 10% every year, even after a claim — so Digit rewards the clean record more, while ACKO offers consistency.
Health check-ups: Digit links annual checks to your sum insured (max ₹1,500), ACKO offers them universally to all adults.
Ambulance cover: Digit clearly caps road ambulance at 1% of SI (max ₹15,000) and air ambulance up to SI; ACKO’s wording is less defined.

Performance data tells a different story.
Digit’s 97% Claim Settlement Ratio, 62% Incurred Claims Ratio, and 8,000+ network hospitals give it a cleaner track record. Complaints stand at 16 per 10,000 claims.
ACKO’s 96% CSR, higher 82% ICR, 10,500+ network hospitals, and 17 complaints per 10,000 claims are still decent — but their 100% direct-to-customer model means you’ll be handling claims without an agent or aggregator in between. This is seamless when things go right, but can be a headache if disputes or documentation delays arise.

Waiting periods differ too.
Digit sticks to the standard — 30 days initial, 2 years for specific illnesses, 3 years for pre-existing conditions, with no rider to reduce it.
ACKO Platinum has no standard 2-year illness wait, and PE conditions can have anywhere from 0–3 years wait depending on underwriting — but they won’t confirm your final waiting period until after you apply. Great for healthy profiles, less transparent for everyone else.

So, which one should you choose?
If you want clear limits, structured claim protocols, and escalation options — Digit Infinity Wallet is the safer bet.
If you want sleek tech, app-only claims, and potentially cheaper unlimited coverage — ACKO Platinum could be appealing, but be ready to self-manage when it counts.

At Ditto, we don’t actively recommend either as our first pick — we prefer plans with stronger service ecosystems, better bonus structures, and proven long-term claims performance. But if you’re set on these two, it comes down to your comfort with claims management and your preference for structure vs tech-first convenience.

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