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
Network hospitals
14300+
Claim settlement ratio
97.68%
Sum insured
Up to 1 Crore
No. of Plans
3
Solvency Ratio
4.3
Pan India Presence
17+
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Updated on Apr 29, 2025 9 min read
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.
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
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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
-
Accident Health Insurance
Acko Health Insurance Plans Eligibility Approximate Annual Premiums Acko Personal Accident Policy Entry Age - Minimum 18 years
Sum Insured - Up to NARs. NA
-
Individual and Family Health Insurance
Acko Health Insurance Plans Eligibility Approximate Annual Premiums Acko Arogya Sanjeevani Policy Entry Age - Child: 3 Months - 25 Years, Adult: 18 - 65 Years
Sum Insured - Up to 10 LakhsRs. 3099
Acko Platinum Health Insurance Entry Age - 18 years - No max limit
Sum Insured - Up to 10 LakhRs. NA
Key Features Of Acko Health Insurance
Let us take a look at some unique features of top-selling Acko Health Insurance policies:
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
For Individual and Family Health Insurance
Acko Arogya Sanjeevani Policy
Acko Arogya Sanjeevani is a comprehensive health insurance plan designed for individuals and families. This plan offers a sum insured of up to 10 L at an affordable premium amount.
Why Do We Recommend This?
- AYUSH coverage
- Affordable premium
- Lifelong renewability
Explore other Acko Health Insurance
To cater to the different medical needs of an individual & their family, Acko Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to Acko Health Insurance plans explore more:
Accident Health Insurance
According to a report from the World Economic Forum, there are over 2.5 lakh accidental deaths or fatalities happening per year in India. Accidents ar...
Unique Features
- Zero waiting period
- Accidental death cover
- No health check-up required
Acko Personal Accident Policy (Pros)
- Zero waiting period
- Accidental death cover
- No health check-up required
Acko Personal Accident Policy (Cons)
- Pre and post-hospitalisation not covered
- ICU cover not available
- OPD not covered
Acko Personal Accident Policy (Other Benefits)
- Accidental death and disability
- Permanent and total disability
- Aid to uncertain injuries
Acko Personal Accident Policy (Eligibility Criteria)
- Min. Entry Age - 18 Years
- Max. Entry Age - 70 Years
- SI - NA
- Initial Waiting Period - Day 1 Coverage For Accidental Death
Individual and Family Health Insurance
You must be thinking about how a basic health insurance policy like Arogya Sanjeevani can fulfil all your health goals. But only let this thought sink...
Unique Features
- COVID-19 treatment coverage
- No pre-policy health check-ups till 45
- Lifelong renewability
Acko Arogya Sanjeevani Policy (Pros)
- No Pre-Policy Check-up
- COVID-19 cover
- AYUSH coverage
- Ambulance services
Acko Arogya Sanjeevani Policy (Cons)
- OPD cover unavailable
- Maternity unavailable
- Newborn baby cover
- Health check-ups unavailable
Acko Arogya Sanjeevani Policy (Other Benefits)
- Family floater cover
- Indemnity benefits
- Pre & post-hospitalization
- Room rent & ICU cover
Acko Arogya Sanjeevani Policy (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 1 L to 25 L
- Waiting Period - 30 Days
Individual and Family Health Insurance
Acko Platinum Health Plan offers you coverage for yourself and your family members. The plan offers a sum insured of INR 10 lakhs with many benefits. ...
Unique Features
- Personal Accident Cover
- Critical Illness Cover
- SI up to 10 Lakhs
Acko Platinum Health Insurance (Pros)
- Personal accident cover
- Critical illness cover
- SI up to 10 Lakhs
Acko Platinum Health Insurance (Cons)
- OPD not covered
- ICU coverage not available
- Cosmetic surgeries not covered
Acko Platinum Health Insurance (Other Benefits)
- Personal accident cover
- Critical illness treatment cover
- Doctor on call and second medical opinion available
Acko Platinum Health Insurance (Eligibility Criteria)
- Minimum Entry Age - 18 Years
- Maximum Entry Age - N/A
- SI - Upto 10 Lakhs
- Initial Waiting Period - 30 Days
Recommended Videos
Acko Health Insurance
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
What is Covered?
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.
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.
Hospitalization Expenses
Acko health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
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.
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?
Self Inflicted Injuries
Acko health policies will not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
Acko Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
Adventure Sports
Acko Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
Obesity or Weight Control Treatments
Acko Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
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.
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.
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:
- 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
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.
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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