Acko Health Insurance

ACKO Health Insurance Overview

Established in 2016, ACKO General Insurance is a digital-first insurance company in India that operates entirely online, without agents or branch-based sales. This allows it to offer simple policies, quick purchases, and often lower premiums, especially for tech-savvy buyers who prefer managing everything through an app or website.

In the health insurance space, ACKO focuses on easy onboarding, fast claim processing, and minimal paperwork. It has served over 50 million customers and partners with major platforms like Ola, Amazon, redBus, and OYO to offer embedded insurance products. While its convenience and pricing are strong advantages, buyers should also evaluate factors like hospital network, coverage depth, and long-term claim support before choosing a plan.

ACKO has received several accolades, including the Golden Peacock Innovative Product award for its unique Ola Trip Insurance product. The company was also selected as the winner of the Insurance and Savings category by Financial Express.

To find out more information about ACKO Health Insurance Company, read the sections given below.

ACKO Health Insurance at a Glance

• 14300+ Network Hospitals
• 988 Cr Annual Premiums
• 2.36 Solvency Ratio
• Up to 1 Cr Sum Insured
• 96.31% Claims Settlement Ratio

Features of ACKO Health Insurance

• Special health plans for your family and maternity coverage
• A comprehensive wellness system to promote a healthy lifestyle
• Emergency air ambulance services
• Advanced and modern treatments available
• Unlimited teleconsultation benefits

Why Choose ACKO Health Insurance?

• Trusted brand with loyal customers
• A wide network of hospitals
• Cashless anywhere, even in non-network hospitals
• Super quick claim settlement
• Dedicated customer support
• 1500+ in-house diagnostic centres

Waiting Periods in ACKO Health Insurance Plans

Various waiting periods are applicable across different plans offered by ACKO Health Insurance.

Initial Waiting Period

An initial waiting period of 30 days applies to all ACKO Health Insurance plans, starting from the policy purchase date.

Pre-existing Disease Waiting Period

For pre-existing diseases like hypertension and diabetes, the waiting period varies from 2 to 4 years, depending on the chosen plan.

Survival Period

The survival period is the specified number of days in your critical illness policy that you must survive after a critical illness diagnosis to receive coverage.

How to Buy ACKO Health Insurance Plans

Customers can purchase ACKO health insurance plans directly from the company's website or through third-party intermediaries like agents and brokers.

For your convenience, here are the steps to buy an ACKO Health Insurance policy from the company's website:

1. Visit the official website of ACKO Health Insurance Company.
2. On the main page, select the 'Health' tab and click on 'Get a quote'.
3. Fill in the required details.
4. The page will then show you the premium you need to pay for your policy.
5. Pay the premium online. Once the payment is confirmed, your policy details will be sent to your registered email address.

Documents Required for ACKO Health Policy Claim Settlement

Submit the following documents when filing for ACKO health claims:

• Duly completed and signed claim form (original)
• Valid photo ID proof
• Medical practitioner's referral letter and prescription (original)
• Original bills, receipts, and discharge cards from the hospital/medical practitioner
• Original bills from pharmacy/chemists
• Original pathological/diagnostic test reports, radiology reports, and payment receipts
• Indoor case papers
• First Information Report (FIR) and final police report, if applicable
• Post-mortem report, if conducted
• Any other document required by the company to assess the claim

How to Calculate ACKO Health Insurance Policy Premiums

To compare and calculate ACKO health insurance policy premiums using the PolicyX premium calculator, follow these simple steps:

1. Visit the official PolicyX website.
2. Fill in details such as your name, the number of family members to be covered, city, and other required information.
3. Click on 'Get Quotes'.

For assistance, connect with PolicyX health insurance experts at 1800-4200-269.

ACKO Health Insurance Plan Claim Process Steps

Policyholders of ACKO Health Insurance can raise claims for their health insurance policy. Here are the steps for a cashless claim:

1. Check whether the selected hospital falls under the list of network hospitals, as the cashless claim facility can be availed only at one of ACKO's network hospitals.
2. Present your medical insurance policy ID card to the hospital authorities.
3. Complete the cashless request form and submit it to the hospital.
4. Upon verification, the company will issue a pre-authorization letter to the hospital.
5. At discharge, verify and sign all medical bills, and pay for any non-medical or inadmissible expenses.

How to Renew ACKO Health Insurance

Follow these steps for ACKO Health Insurance policy renewal:

1. Visit the official website of ACKO Health Insurance Company.
2. Click on the ‘Renew’ tab.
3. Enter your Policy Number and Date of Birth.

Connect with our insurance experts for ACKO health insurance policy renewal at 1800-4200-269.

How to Port to ACKO Health Insurance

To port your existing policy to ACKO health insurance, follow the steps mentioned below:

1. Fill out the portability form and submit the application to ACKO Health Insurance Company at least 45 days before your existing health plan's renewal date.
2. As per IRDAI guidelines, the new insurance company will cross-check your medical and claims history with your previous insurer within 7 days of receiving the portability form.
3. Once the policyholder's details are verified, the new insurance company must communicate its decision (approval or rejection) within 15 days.