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Acko Personal Accident Policy
The Acko Personal Accident Policy is designed to protect you financially if an accident leads to injury, disability, or death. It covers si…
- Zero waiting period
- Accidental death cover
- No health check-up required
Acko Health Insurance
Acko Health Insurance
ACKO General Insurance, established in 2016, is a leading online-first insurer in India. Serving over 50 million ...Read More
14,300+
Cashless hospitals
96.31%
Claim settlement
1 Crore
Max sum insured
3
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,715 reviews
🏥 14,300+ hospitals
📊 2.3x solvency ratio
✅ 96.31% claim settlement
What you get with Acko Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 1 Crore
Coverage scales from entry-level individual plans to high-end family-floater protection.
14,300+ cashless hospitals
Direct billing at network hospitals across 17 presence — no out-of-pocket payment at admission.
96.31% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
2.3x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
3 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About Acko Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
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.
- 14300+ Network Hospitals
- 988 Cr Annual Premiums
- 2.36 Solvency Ratio
- Up to 1 Cr Sum Insured
- 96.31% Claims Settlement Ratio
Features that set ACKO Health Insurance apart:
- 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
Choose Acko Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Acko Health Insurance
This video talks about Acko Health Insurance in detail. It talks about the Solvency Ratio, Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer.
All 3 Acko Health Insurance plans
Every plan currently being sold by Acko Health Insurance, shown side-by-side so you can shortlist quickly.
Acko Arogya Sanjeevani Policy
You might wonder how a basic health insurance policy like Arogya Sanjeevani can fulfill all your health goals. The Acko Arogya Sanjeevani P…
- No Pre-Policy Check-up
- COVID-19 cover
- AYUSH coverage
- Ambulance services
Acko Platinum Health Insurance
Acko Platinum Health Plan offers coverage for you and your family members. The plan provides a sum insured of INR 10 lakhs with many benefi…
- Personal accident cover
- Critical illness cover
- SI up to 10 Lakhs
Quick comparison
Side-by-side across the 3 most-bought Acko Health Insurance plans on PolicyX.
| Feature | Acko Personal Accident Policy | Acko Arogya Sanjeevani Policy | Acko Platinum Health Insurance |
|---|---|---|---|
| Plan type | Accident Health Insurance | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Sum insured | 25L | ₹50,000, ₹1 Lakh, ₹1.5 Lakh, ₹2… | 10 Lakh |
| Entry age | Minimum 18 years | Child: 3 Months - 25 Years, Adult: 18 -… | 18 years - No max limit |
| Top benefits | Zero waiting period · Accidental death cover | No Pre-Policy Check-up · COVID-19 cover | Personal accident cover · Critical illness cover |
Documents required
For policy purchase and claim submission. Have these ready before you start.
- 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
Waiting periods
When specific benefits become claimable after policy start.
What Are The Different Waiting Periods In ACKO Health Insurance Plans?
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 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.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
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:
- Step 1: Visit the official website of ACKO Health Insurance Company.
- Step 2: On the main page, select the 'Health' tab and click on 'Get a quote'.
- Step 3: Fill in the required details.
- Step 4: The page will then show you the premium you need to pay for your policy.
- Step 5: Pay the premium online. Once the payment is confirmed, your policy details will be sent to your registered email address.
Policyholders of ACKO Health Insurance can raise claims for their health insurance policy. Here are the steps for a cashless claim:
- Step 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.
- Step 2: Present your medical insurance policy ID card to the hospital authorities.
- Step 3: Complete the cashless request form and submit it to the hospital.
- Step 4: Upon verification, the company will issue a pre-authorization letter to the hospital.
- Step 5: At discharge, verify and sign all medical bills, and pay for any non-medical or inadmissible expenses.
Follow these steps for ACKO Health Insurance policy renewal:
- Step 1: Visit the official website of ACKO Health Insurance Company.
- Step 2: Click on the ‘Renew’ tab.
- Step 3: Enter your Policy Number and Date Of Birth.
Connect with our insurance experts for ACKO health insurance policy renewal at 1800-4200-269.
To port your existing policy to ACKO health insurance, follow the steps mentioned below:
- Step 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.
- Step 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.
- Step 3: Once the policyholder's details are verified, the new insurance company must communicate its decision (approval or rejection) within 15 days.
To compare and calculate ACKO health insurance policy premiums using the PolicyX premium calculator, follow these simple steps:
- Step 1: Visit the official PolicyX website.
- Step 2: Fill in details such as your name, the number of family members to be covered, city, and other required information.
- Step 3: Click on 'Get Quotes'.
For assistance, connect with PolicyX health insurance experts at 1800-4200-269.
Frequently asked questions
The 12 most-asked questions about Acko Health Insurance, answered.
Renewing your ACKO Health policy online is a convenient process. Follow the steps mentioned below: Visit the official website of ACKO Insurance Company and click on the ’My Policy’ tab given at the top of the page. Enter your login details to continue. Fill in the required details and make the payment. You will receive the renewal confirmation on your registered email ID.
After purchasing the plan, the company will send the plan’s link to the customer’s registered mobile number and email ID. Alternatively, you can log in to acko.com with your mobile number used to buy the policy and then select your policy to view the policy details.
Yes, the policyholder can get his policy cancelled by giving 15 days’ written notice. Under such circumstances, the company will deduct the premium for the number of days the policy was active and then refund the premium accordingly. The table below shows the amount of refund provided as per the cancellation timing of the policy. Timing of Cancellation (Refund %) Up to 30 days - 75.00% 31 to 90 days - 50.00% 3 to 6 months - 25.00% 6 to 12 months - 0.00%
The company will provide you with regular status updates regarding your claim request via SMS and email. Alternatively, you can call on ACKO’s toll-free number 1800 266 2256 to check the claim status.
The corporate health policy by ACKO provides cover to the employee and their family members (those included in the policy) for a fixed period of one year.
Yes, the health insurance plans by ACKO have a copayment clause of 5% that is applicable to the claim amount admissible and payable as per the terms and conditions of the policy.
Yes, the sum insured can be changed (increased/ decreased) but only at the time of renewal or at any time subject to underwriting by the Company. For any increase in the sum insured amount, the waiting period starts afresh only for the enhanced portion of the sum insured.
Yes, ACKO General Insurance allows its customers to port their policy to other insurers as per the portability guidelines issued by IRDAI.
Documents required to buy Acko Medical Insurance are: Age Proof such as Driving Licence, Voter’s ID, Passport, Birth Certificate, etc. Identity Proof such as PAN card, Passport, Driving License, Voter’s ID, etc. Proof of address such as Ration card, Passport, Voter’s ID, Aadhaar card, bank statement, telephone/electricity bill, etc. Photographs:Passport-size photographs.
Yes, as per the IRDAI guidelines, every insurance company including Acko Health insurance covers the expenses incurred due to COVID-19.
The premium for your Acko Health policy can be paid by using UPI, credit/debit cards, or net banking.
Acko Medical Insurance allows you to calculate your policy premium in advance by using an online tool. The online calculators calculate the premium based on a person’s age, sum insured, chosen add-ons, etc. All you have to do is fill in the details required, and the calculator will show the exact amount that you need to pay for your policy.
Compare Health Insurance Companies
Pick any two insurers to see a detailed side-by-side comparison.
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Customer satisfaction
Aggregate ratings from 2,715 verified PolicyX customers who bought a Acko Health Insurance plan.
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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