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ACKO Health Insurance

Established in 2016, ACKO General Insurance is a newly introduced private sector general insurance company in India. It adopts a completely online-based method for selling its products to the customers. The company deals in a variety of insurance products ranging from health insurance plans to car, and bike insurance products.

At present, this insurance company has served more than 50 million customers across India. The company partners with some of the world's leading digital business groups such as Ola, redBus, Amazon, and OYO. Besides, it has launched several products including trip insurance, electronics cover, and hotel-stay insurance alongside its partner companies.

The company has also received a few achievements and rewards recently. This includes the Golden Peacock Innovative Product award for the unique Ola Trip Insurance product by the company last year. 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.

Read along to find more about the plan:

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Acko Health Insurance

Health Insurance Plans by ACKO General Insurance Company

ACKO Health Insurance offers two different types of health insurance plans to help stay financially protected in medical emergencies. Let's have an overview of these plans.

  1. Arogya Sanjeevani Policy

    Arogya Sanjeevani is a standard health insurance product launched by ACKO General Insurance to safeguard the medical requirements of the customers.

    Key Features

    • Hospitalization expenses arising due to treatment of COVID-19 are covered 30 days after the start date of the policy.
    • The plan provides coverage for the ICU and ICCU charges up to 5% of the sum insured or Rs. 10,000 per day.
    • The policy also covers pre and post hospitalization expenses (up to 30 days and 60 days respectively).
    • Cover for cataract treatment of each eye is provided under the policy. The coverage offered equals up to 25% of the sum insured or Rs. 40,000.

    Eligibility Criteria

    Entry age18 years65 years
    Sum Insured amountRs. 1 LakhRs. 5 Lakhs
    Product TypeIndividual/ Floater
    Policy Period1 year
  2. Group Health Insurance Plan for Employees

    Group health insurance is an employee benefits plan that provides coverage for medical expenses arising out of hospitalisation to a group of employees/workers of a particular organisation. The plan aims at keeping employees physically and mentally healthy, designed for the modern healthcare needs of employees.

    Key Features

    • The plan offers policyholders the freedom to customise their plan benefits and coverage options.
    • Employees can easily connect with Google Fit/Apple Fitness and track their fitness activities on the ACKO mobile app.
    • The company partners with more than 35,000 specialist doctors and employees can avail of unlimited free virtual consultations with these doctors.
    • The policy also offers exclusive pharmacy discounts to the policyholders while ordering prescribed medicines.

    Eligibility Criteria

    Number of employees that can be covered20No limit
    Policy TermThe time period for which an employee works for the company

Why Buy Health Insurance from ACKO General Insurance Company?

Given the increasing medical expenses in India, getting medical treatment without the help of a health insurance policy can cost you a fortune. That is why buying a health insurance policy has become all the more important nowadays. A health insurance plan sticks by your side in difficult times; offers support by paying your treatment expenses in case of any medical emergency which in turn, protects your savings. But in order to enjoy maximum benefits from a health insurance plan, it is important to select a suitable plan as per your requirements.

At present, there are 29 health insurance companies in India and all of these companies offer a variety of health insurance products. Due to multiple options available in the market, customers often feel confused while buying a policy. So, to help customers decide if, we've listed below the key features of this company.

Annual premium (2019-20)Rs. 23.36 crores
Claim settled within three months (2019-20)93.49
Solvency ratio3.39
No. of cashless hospitals5000+
Head officeMumbai
No. of employees400+

Given below is a brief explanation of these features. Let's understand.

1 Network Hospitals

One of the major roles of a health insurance policy is to provide the policyholders with complete financial protection during their difficult times. And a very important feature that helps the most in this regard is cashless hospitalization. This feature allows policyholders to get their treatment done in any of the network hospitals as listed by the insurer. The customer does not have to worry about the hospital bills as the insurance company takes care of them.

ACKO health insurance company offers cashless hospitalization benefits in all of its health insurance plans. At present, the company is empanelled with more than 5000 network hospitals across India that allow customers cashless hospitalization.

For your convenience, we've created a chart below that highlights ACKO's network hospitals list and shows its comparison with other insurers.

Network Hospitals of ACKO Health Insurance Company and other Insurance Providers

Network Hospital chart of Acko and other Insurance Providers

**Data from IRDAI Annual Reports 2019-20

2 Annual Premium

As discussed above, ACKO General Insurance started its operations in 2016 and is a new player in India's insurance market. The premium amount of this company stood at Rs. 0.1 crores during 2017-18 but later on, it increased to Rs. 23.36 crores in 2019-20. To help you understand better, we've created a graph below that compares the annual gross premiums over the years 2017-2020. Let's have a look at it.

Annual Premium of ACKO over the years 2017- 2020 (in crores)

Annual Premium of ACKO over the years 2017- 2020

**Data from IRDAI Annual Reports 2019-20

3 Solvency Ratio

Checking the financial background of the insurance provider helps a lot in building trust in that company. The solvency ratio is a helpful parameter that is used as an indicator to determine the ability of a company to meet its financial obligations. As per the norms set by IRDAI, every insurance company in India is obliged to maintain a solvency ratio of at least 1.5. As per IRDAI, the solvency ratio of ACKO General Insurance for the financial year 2019-20 was 3.39.

We've created a graph below that highlights the solvency ratio of ACKO Insurance company for the last 3 years. Refer to this chart for a better understanding of the financial soundness of the company.

Solvency Ratio of ACKO Health Insurance Company from 2017-18 to 2019-20

Solvency Ratio chart of Acko Company

**Data from IRDAI Annual Reports 2019-20

4 Claim Support Ratio

One of the major concerns that customers have while buying a health insurance policy is to make sure that their insurance provider will provide them with the claim benefit whenever an emergency happens in their lives. And to determine the claim paying ability of an insurance provider, it is important to check its claim support ratio. The claim support ratio is a very useful parameter that shows the number of claims settled by the insurance provider within the last three months and helps in determining its claim paying ability.

As per the IRDAI report of 2019-20, the claim support ratio of ACKO General Insurance stood at 93.49% in the financial year 2019-20.

Claim Support Comparison of Insurance Providers in 2019-20

Claim Support Comparison of Insurance Providers in 2019-20

Exclusions of ACKO Health Insurance Plans

While ACKO's health insurance plans cover most of the hospitalisation expenses, there are still a few treatments and medical conditions that are not covered. Given below is a list of exclusions that highlights such conditions. Let's have a look.

  • Expenses related to any admission primarily for diagnostics and evaluation purposes.
  • Obesity treatment expenses
  • Change of gender treatment or surgeries
  • Treatment necessitated due to participation in hazardous or adventure sports
  • Any injury or illness that is directly or indirectly caused by war, invasion, any terrorist act, or riot.
  • Medical treatment expenses related to childbirth or miscarriage
  • Expenses related to sterility and infertility
  • Any expenses incurred on Domiciliary Hospitalization and OPD treatment
  • Treatment has taken outside the geographical limits of India

How to Purchase ACKO Health Insurance Plans?

There are two methods by which customers can purchase ACKO health insurance plans. First, the insurance policy can be bought from the ACKO company's website. Secondly, customers can purchase it by getting in touch with third-party intermediaries like agents and brokers who deal in selling ACKO Health insurance plans.

For your convenience, we've listed below the steps of buying Acko Health Insurance policy from the company's website. Let's take a look at it.

  • Visit the official website of Acko Health Insurance company.
  • On the main page, select the Health tab and click on 'Get quote'
  • Fill in the required details
  • The page will then show you the premium you need to pay for your policy.
  • Pay the premium online and once the payment is confirmed, your policy details will be sent to your registered email address.
Steps To Buy ACKO Health Insurance

Once the payment is received by the company, it will instantly send your policy documents to your registered email address.

What Is the Claim Procedure of ACKO Health Insurance Plans?

The policyholders of ACKO health Insurance can raise claims for their health insurance policy through following two ways:

Cashless Claims process Under this process, the insurance company settles the medical bill directly with the hospital.

Reimbursement Claims process With this method, policyholders are required to clear their medical expenses arising out of hospitalisation first and then raise a reimbursement claim by submitting proper medical bills and documents.

The claim procedures for both these methods are described below.

Procedure for Cashless Claims

  • Check whether the selected hospital falls under the list of network hospitals as the cashless claim facility can be availed only at one of the ACKO's network hospitals.
  • Provide or show the medical insurance policy's ID card to the hospital authorities.
  • Duly fill the cashless request form and submit it to the hospital.
  • After verification, the company will issue a pre-authorization letter to the hospital.
  • At the time of discharge, the insured person has to verify and sign all the medical bills and pay for any non-medical and inadmissible expenses.

Procedure for Reimbursement Claims

  • Settle all the medical bills.
  • Collect all the documents provided by the hospital such as discharge summary and bills.
  • Submit all these documents to the Third-Party Administration or ACKO company.
  • The company will verify all the documents. On approval, the claim amount will be released.

Notification of Claim

The claim notification with full particulars and important documents should be sent to the ACKO Insurance company or TPA within the prescribed time limit as specified in the table below:

S.NoType of ClaimPrescribed Time limit
1.Reimbursement of hospitalization, daycare, and pre hospitalization expensesWithin 30 days of the date of discharge from the hospital
2.Reimbursement of post hospitalization expensesWithin 15 days from completion of post hospitalization treatment
3.Planned cashless hospitalizationAt least 48 hours prior to admission to the hospital
4.Emergency cashless hospitalizationWithin 24 hours from the date of hospitalization or before the insured person's discharge from the hospital

Documents Required for Filing ACKO Health Insurance Claim

Given below is the list of documents that are required while raising a claim with ACKO company.

  • Duly completed health insurance claim form
  • Photo ID proof of the patient
  • Medical practitioner's prescription advising admission
  • Original bills and payment receipts
  • Discharge summary including complete medical history of the patient
  • Investigation/ Diagnostic test reports supported by the prescription
  • NEFT Details (to enable direct credit of claim amount in the bank account) and a cancelled cheque.
  • KYC (Identity proof with Address) of the proposer, where claim liability is above Rs. 1 Lakh as per AML Guidelines
  • Legal heir/succession certificate
  • Any other relevant documentation as required by Company/TPA for assessment of the claim

How Can I Renew My ACKO Health Insurance Policy?

  • Visit the official website of ACKO Health Insurance.
  • Log in to your ACKO account.
  • You will see a 'Policy Card' which shows the applicable plans that are due renewal.
  • Click on 'Buy Now' against your policy.
  • Make the payment.

Alternately, you will receive SMS and/or email reminders for policy renewal.

  • Click on the link that you have been sent.
  • Authenticate yourself with the same phone number as used to purchase the previous policy.
  • Confirm details on the Checkout Page.
  • Make the payment.

How To Contact ACKO Health Insurance Company?

Corporate Office Address: Unit No. 301, 3rd Floor, E-wing, Lotus Corporate Park Off Western Express Highway, Jay Coach Flyover, Goregaon, Mumbai, Maharashtra 400063.

Head Office Telephone: 1800 266 2256


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ACKO Health Insurance: FAQs

1. How can I renew my ACKO Health Insurance Plan?

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.

2. How do I download my policy documents?

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 with your mobile number used to buy the policy and then select your policy to view the policy details.

3. Can I cancel my policy after purchasing it?

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 CancellationRefund %
Up to 30 days75.00%
31 to 90 days50.00%
3 to 6 months25.00%
6 to 12 months0.00%

4. How can I know the status of my claim request?

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.

5. For how long does the corporate health policy provide coverage?

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.

6. Do ACKO health insurance plans have a copayment clause?

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.

7. Can I change the sum insured amount of the policy after purchasing it?

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.

8. Do ACKO Health insurance plans offer portability benefits?

Yes, ACKO General Insurance allows its customers to port their policy to other insurers as per the portability guidelines issued by IRDAI.

9. What documents do I need to buy Acko Health Insurance Policies?

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.

10. Does Acko corporate Health Insurance offer coverage against COVID-19?

Yes, as per the IRDAI guidelines, every insurance company including Acko Health insurance covers the expenses incurred due to COVID-19.

11. How can I calculate my Acko Health Insurance policy premiums?

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.

12. In what ways can I pay the premium of my Acko Health Insurance?

The premium for your Acko Health policy can be paid by using UPI, credit/debit cards, or net banking.

Last updated on May, 2021

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.6/5 (25 Total Rating)

February 21, 2022



ACKO is no 1 insurance company. made process very easy for me when my nani fell sick and i was only with her but the insurance company arranged everything.

October 28, 2021

Sheersha Kundra


The company has various affordable plans also they have an amazing customer care team that helps their customer in their time of need.

September 6, 2021

Mahaveer Singh


Very good company, with best customer services. Health Insurance plans offered by the company are also very good.

September 6, 2021

Kavita Kumari


impressive work done by Acko Health Insurance, and its customer suppost. Keep serving us like this. well done

September 1, 2021

Amish rajan


Bahut achi company hai, bht ache plans hai aur bht ache premium price hai, customer service bhi bht achi hai, helpful hai

View All Acko Health Insurance Reviews

Last updated on August, 2021

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