Acko Health Insurance

Acko is one of the best health insurance companies in India that provides all sorts of health insurance including individual policies, family floater ...Read More

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Buy Policy in just 2 mins

2 lakh+ Happy Customers

ACKO Health Insurance
premium

Network hospitals

14300+

premium

Incurred claim ratio

83.88%

premium

Sum insured

Up to 1 Crore

premium

No. of Plans

3

premium

Solvency Ratio

4.3

premium

Pan India Presence

17+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

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Buy Policy in just 2 mins

Buy Policy in just 2 mins

With expert guidance from advisors

Happy Customers

2 lakh + Happy Customers

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Free Comparison

Find the best policy for you

ACKO Health Insurance Overview

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 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.

7100+

1

Network
Hospitals

988 Cr

2

Annual
Premiums

1.84

3

Solvency
Ratio

Up to 1 Cr

4

Sum
Insured

83.88%

5

Claims Settlement
Ratio

What are some of the
Features
that set them apart?

  • 1

    Special health plans for your family and maternity coverage

  • 2

    A comprehensive wellness system to promote a healthy lifestyle

  • 3

    Emergency air ambulance services

  • 4

    Advanced and modern treatments available

  • 5

    Unlimited teleconsultation benefits

 

Best Selling Acko Health Insurance Plans

Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family

  1. Individual and Family Health Insurance

    Acko Health Insurance Plans Eligibility Approximate Annual Premiums
    Acko Platinum Health Insurance Entry Age - 18 years - No max limit
    Sum Insured - Up to 10 Lakh
    Rs. NA

    Acko Arogya Sanjeevani Policy Entry Age - Child: 3 Months - 25 Years, Adult: 18 - 65 Years
    Sum Insured - Up to 50000 - 10 Lakhs
    Rs.

  2. Accident Health Insurance

    Acko Health Insurance Plans Eligibility Approximate Annual Premiums
    Acko Personal Accident Policy Entry Age - Minimum 18 years
    Sum Insured - Up to NA
    Rs. NA

Key Features Of Acko Health Insurance

Let us take a look at some unique features of top-selling Acko Health Insurance policies:

For Individual and Family Health Insurance

Acko Platinum Health Insurance

ACKO Platinum health insurance covers the insured and their family members for all sorts of healthcare services without imposing any waiting period.

Why Do We Recommend This?
  • Personal accident cover
  • Critical illness treatment cover
  • Doctor on call and second medical opinion available

For Accident Health Insurance

Acko Personal Accident Policy

ACKO Personal Accident policy covers accidental hospitalization expenses along with other financial benefits. Here are some of the major features of this policy:-

Why Do We Recommend This?
  • Accidental death and disability hospitalization
  • Permanent and total disability
  • Aid to uncertain injuries

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Acko Health Insurance

Acko Health Insurance

Why Choose ACKO Health Insurance?

why-choose
  • 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

What is Covered?

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Pre and Post Hospitalization Expenses

Acko Health Insurance understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.

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AYUSH Treatments

Most Acko Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.

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Hospitalization Expenses

Acko health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.

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Day Care Treatments

Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Acko health insurance plans are designed to cover daycare procedures for policyholders.

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Domiciliary Hospitalization

On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Acko health insurance plans cover domiciliary hospitalization up to specified sub-limits.

What is not Covered?

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Self Inflicted Injuries

Acko health policies will not cover injuries or hospitalization caused by self-harm.

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Cosmetic Procedures

Acko Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.

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Adventure Sports

Acko Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.

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Obesity or Weight Control Treatments

Acko Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.

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Involvement In Illegal Activities

Acko health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

What Are The Different Waiting Periods In ACKO Health Insurance Plans?

Various waiting periods are applicable across different plans offered by Acko Health Insurance. Let us discuss the same.

Initial Waiting Period

An initial waiting period of 30 days is applicable on all Acko Health Insurance plans starting from the date of purchase

Pre-existing Waiting Period

Pre-existing diseases such as hypertension, diabetes, and others have a waiting period varying between 2 to 4 years depending on the plan you opt for.

Survival Period

The survival period is the number of days mentioned in your critical illness health policy that you need to survive after being diagnosed with a critical illness to get plan coverage.

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ACKO Health Insurance Plans Buying Process

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 for buying an Acko Health Insurance policy from the company's website. Let's take a look at it.

  • 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 and once the payment is confirmed, your policy details will be sent to your registered email address.

  •  
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ACKO Health Insurance Renewal Process

Follow the 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

    Mention your ‘Policy Number’ and ‘Date Of Birth’

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

ACKO Health Insurance Plan Claim Process Steps

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

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  • 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 the ACKO's network hospitals.

  • Step 2

    Provide or show the medical insurance policy's ID card to the hospital authorities.

  • Step 3

    Duly fill out the cashless request form and submit it to the hospital.

  • Step 4

    After verification, the company will issue a pre-authorization letter to the hospital.

  • Step 5

    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.

Documents Required For ACKO Health Policy Claim Settlement

Submit the following documents when filing for Acko health claims:

  • Duly completed and signed claim form, in original
  • Valid photo-ID proof
  • Medical practitioner's referral letter and prescription
  • Original bills, receipts, and discharge cards from the hospital/medical practitioner
  • Original bills from pharmacy/chemists
  • Original pathological/diagnostic tests reports/radiology reports and payment receipts
  • Indoor case papers
  • First Information Report, final police report, if applicable
  • Post-mortem report, if conducted
  • Any other document as required by the company to assess the claim
Who Should Invest In A Health Policy?
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How To Port To ACKO Health Insurance?

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

  • Step 1

    Fill out the portability form, and send the application to Acko Health Insurance Company 45 days before the date of your existing health plan renewal.

  • Step 2

    As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.

  • Step 3

    Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.

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More Queries?

If you have any more queries regarding Plans, Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269 now!

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 acko.com 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 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%

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.

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Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.