Acko Personal Accident Policy
  • Zero waiting period
  • Accidental death cover
  • No health check-up required
Acko Platinum Health Insurance
premium

Network hospitals

14300+

premium

Incurred claim ratio

83.88%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

2

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

premium

Network hospitals

14300+

premium

Incurred claim ratio

83.88%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

2

premium

Solvency Ratio

4.3

premium

Pan India Presence

17

Acko Personal Accident Policy

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 are never planned so it doesn’t give us any chance to plan for our family’s future.

How do we combat these uncertainties?

The answer is simple - with personal accident insurance. Not all of us can bear the expensive healthcare costs, so we require accidental health insurance. Personal accidents generally refer to injuries/deaths caused due to a fall, slip, road accident, etc. It can be challenging for people to get treated with such conditions. Hence we must have accidental health insurance that can take care of our medical expenses and our family’s financial needs in an emergency.

The Acko personal accident policy is such a safety net that can protect you from financial distress and help you recover rather than worrying about inflating healthcare costs. You can also buy the Acko personal accident cover with a different set of insurance combinations, category of which are mentioned below:

  • Personal accident cover with health insurance
  • Personal accident cover with car insurance
  • Personal accident cover with life insurance
  • Add-on covers to customize coverage benefits

Furthermore, to understand the specifications, benefits of buying an Acko personal accident plan and exclusions of the Acko personal accident cover, scroll down. When it comes to buying an accident cover insurance policy, the goal should be clear and impactful.

Specifications of Acko Personal Accident Policy

Factors Specifications
Accidental Death In case of the insured’s death due to an accident, the company will pay the lump sum amount to manage their basic lifestyle. Additionally, they cover the expenses related to the insured’s last rites.
Aid to uncertainty If the insured person goes through an accidental emergency and needs medical care for injury treatment, the insurer will pay out financial aid upto a specified limit.
Permanent partial disability In such a case of PPD, if the policyholder needs assistance with residential modification or transportation, the company will pay the incurred expenses.
No pre-policy medical check-up Acko's accidental insurance policy is different from any random health plan in the market. You need not be worried about going through medical and physical examinations saving your time and savings.

Benefits of Acko Personal Accident Policy

  1. Common injuries covered

    This policy covers some of the common types of injuries, read the list of those below:

    • Broken bones
    • Concussions
    • Spinal injuries
    • Burns
    • Loss of limbs
    • Permanent vision impairment
  2. Financial security

    If the insured has met with an accident that caused them any kind of disablement listed in the policy prospect, the company will cover the medical bills and day-to-day expenses upto a specified limit.

  3. Affordability

    The Acko personal accident policy comes with an affordable monthly premium option that won’t hurt your pocket in any way.

  4. 24/7 coverage

    You need not be worried about any kind of spontaneous medical expenses, as you’re under the umbrella of Acko’s personal accident cover.

  5. Tax benefits

    Avail tax benefits against the paid policy premiums under Section 80D of the Income Tax Act.

Exclusions of Acko Personal Accident Policy

Self-inflicted injuries

Alcoholism or drug abuse

Participation in life-threatening or adventurous activities

Suicidal attempts, etc

War and terrorism affairs

Pre-existing conditions

Criminal intent and complications caused due to the same

Note: These are just standard and compulsory exclusions lists, but might be different from the exact ones. For a detailed list of exclusions (what’s not covered), check through the terms & conditions of your policy documents. Remember, all the variants of this plan have different sets of exclusions so read carefully before buying/claiming your policy.

Final Thoughts!

An accidental mishap can make the ground below your feet slip at times. Despite that, you can be prepared for such instances. Buying health insurance like Acko Personal Accident policy protects you and most importantly, your family’s future from all sorts of unfortunate events.

What are you giving a second thought to? Reach out to us if you have another query at 1800 4200 269, or send us an email at helpdesk@policyx.com.

Acko Personal Accident Policy: FAQs

1. Who is eligible to buy the Acko personal accident insurance plan?

Individuals aged between 18-70 years can buy this policy.

2. Can an NRI buy this policy?

No, only Indians and people living in India can buy the Acko personal accident plan.

3. Is a pre-policy medical check-up mandatory to buy this plan?

The Acko personal accident cover is built to be accessible by all, hence there’s no need for a pre-policy medical check-up before buying the policy.

4. On which basis will I have to pay the premium amount?

The payable premiums depend upon the coverage amount you choose, age, health and medical history, add-on covers, type of occupation, and so on.

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