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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 Arogya Sanjeevani Policy
Acko Arogya Sanjeevani is a comprehensive health insurance plan design ...Read More
Up to 1 Crore
Sum insured
1
No. of plans
17+
Pan India presence
96.31%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,711 reviews
🏥 14,300+ hospitals
📊 2.30 solvency ratio
✅ 96.31% claim settlement
About Acko Arogya Sanjeevani Policy
A quick read on what this Acko Health Insurance plan covers and why it might be a fit for you.
You might wonder how a basic health insurance policy like Arogya Sanjeevani can fulfill all your health goals. The Acko Arogya Sanjeevani Policy is an indemnity insurance plan that provides coverage for your healthcare needs at an affordable charge. This Arogya Sanjeevani policy by Acko Health Insurance is suitable for individuals and families.
The sum insured by this plan ranges from ₹50,000 to ₹10 Lakh (in multiples of ₹50,000), which is sufficient to cover primary family members like your spouse, children, parents, and parents-in-law.
This insurance plan provides standard coverage for medical expenses incurred due to hospitalization in emergencies, including pre and post-hospitalization, ICU charges, and room rent with a sub-limit of 2% of the sum insured, subject to ₹5,000 per day. The Acko Arogya Sanjeevani policy also supports COVID-19 treatment, AYUSH treatment or alternative therapies, specified daycare procedures, and more.
This plan is curated to ensure the all-around health interests of policyholders across every section of society. Additionally, the Acko Arogya Sanjeevani policy is a good choice for those new to buying health policies, as it comes with a co-payment clause of 5% on every claim raised during a policy tenure.
Read further to know more about the Acko Arogya Sanjeevani policy, its eligibility criteria, specific benefits, and the claim settlement process.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Child: 3 Months - 25 Years, Adult: 18 - 65 Years
Plan type
Individual and Family Health Insurance
Waiting period
30 Days
Renewability
Lifelong
Policy term
1 Year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- No Pre-Policy Check-up
- COVID-19 cover
- AYUSH coverage
- Ambulance services
Cons
- OPD cover unavailable
- Maternity unavailable
- Newborn baby cover
- Health check-ups unavailable
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Applicable
- Sub-limits Not Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
2024 Acko Arogya Sanjeevani Policy
The Acko Arogya Sanjeevani Policy has gained significant attention in the insurance market for its balance of affordability and coverage benefits. In this review, we will explore the key features of the policy.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Any kind of external congenital illnesses or voluntary treatments like cosmetic therapies, beautification, or plastic surgery.
- OPD and home care treatments.
- Unproven treatments, rest care, rehabilitation.
- Sterility and infertility, birth control, gender change treatments.
- Maternity expenses like childbirth, miscarriage, and lawful medical termination of pregnancy during the policy period.
- Hypertension, diabetes, cardiac arrests, organ transplants, donor expenses.
- Investigation and evaluation purposes.
- Obesity, weight control, or liposuction.
- Hazardous/adventure sports, nuclear wars, defensive attacks.
- Breach of the law, alcoholism, drug, or substance abuse cases.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min Entry Age: 18 Years
- Max Entry Age: 65 Years
- Sum Insured: ₹1 Lakh to ₹25 Lakh
- Waiting Period: 30 Days
Other features & benefits
- Family floater cover
- Indemnity benefits
- Pre & post-hospitalization
- Room rent & ICU cover
Acko Arogya Sanjeevani Policy: FAQs
The 5 most-asked questions about Acko Arogya Sanjeevani Policy, answered.
The maximum sum insured under this plan is up to INR 50,000 to a maximum of 10 Lakhs.
Yes, the Acko Arogya Sanjeevani Policy covers the treatment for COVID-19.
Yes, this plan is designed for all. Either you want an individual policy for you and your family separately. Or all the family members can be covered under the same family floater plan.
It offers family floater plan benefits to your spouse, parents/ in-laws and children (3 months-25 years) can be covered under the same policy.
No, there is no variant of Arogya Sanjeevani’s policy of Acko.
Conclusion
The Acko Arogya Sanjeevani Policy is a simple and low-cost health plan that covers basic hospital ex
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