Acko Health Insurance vs Manipal Cigna Health Insurance 2026 | PolicyX
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Overview

ACKO General Insurance (established 2016) is a leading online-first insurer in India serving 8 crore+ customers. It offers health, car and bike insurance and, via partnerships with Ola and Amazon, trip, electronics and hotel-stay products.
COMPANY DETAILS ✎ Edit

Acko Health Insurance

 ✎ Edit

Manipal Cigna
Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 1 crore and Unlimited

Sum Insured

Up to ₹ 1 Cr
Claim ratio

Claim Ratio

98%

Claim Ratio

98%
Network hospitals

Network Hospital

11,500+

Network Hospital

15000+
Solvency Ratio

Solvency Ratio

2.3

Solvency Ratio

1.76
Pan India Presence

Pan India Presence

11

Pan India Presence

77
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

2,064.67 Crore

Annual premium (company level)

1,797.56 Crore
Years in operation

Years in operation

9 years

Years in operation

2012
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

98%

Claims settled within 3 months

88.59
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Acko Health Insurance Review 2026 | Company Review | Benefits & Claim Process

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▶ Manipal Cigna Health Insurance | DETAILED Review | Plans, Benefits & Claim Process
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Acko Health Insurance

Most popular
Individual and Family Health Insurance

Acko Platinum Health Insurance

ACKO Platinum plan has no initial or specific-illness waiting period, no room rent or ICU capping, and an inflation-protect sum in...

  • Personal Accident Cover
  • Critical Illness Cover
  • SI up to INR 10 Lakh to Unlimited
  • No room rent or ICU capping
  • Unlimited doctor-on-call
  • Sum insured from ₹10 Lakh to Unlimited
  • OPD not covered
  • Maternity not covered
  • Cosmetic surgeries not covered
  • Personal accident cover
  • Critical illness treatment cover
  • Doctor on call and second medical opinion available
  • Minimum Entry Age - 91 days onwards
  • Maximum Entry Age - No limit
  • SI - ₹10 Lakh to Unlimited
  • Initial Waiting Period - Nil (accidents covered from day 1)
View plan
Individual and Family Health Insurance

Acko Arogya Sanjeevani Policy

Acko Arogya Sanjeevani is an affordable indemnity health insurance plan for individuals and families, offering coverage of ₹5 Lakh...

  • COVID-19 treatment coverage
  • No pre-policy health check-ups till 45
  • Lifelong renewability
  • No check-up up to age 45
  • COVID-19 cover
  • AYUSH coverage
  • Ambulance services
  • OPD cover unavailable
  • Maternity unavailable
  • Newborn baby cover unavailable
  • Health check-ups unavailable
  • 5% co-payment on every claim
  • Family floater cover
  • Indemnity benefits
  • Pre & post-hospitalization
  • Room rent & ICU cover
  • Min Entry Age: 18 Years
  • Max Entry Age: 65 Years
  • Sum Insured: ₹5 Lakh or ₹10 Lakh
  • Waiting Period: 30 Days
View plan
Accident Health Insurance

Acko Personal Accident Policy

Acko Personal Accident Policy offers financial protection against injuries, disability, or death resulting from accidents like roa...

  • Zero waiting period
  • Accidental death cover
  • No health check-up required
  • Zero waiting period
  • Accidental death cover
  • No health check-up required
  • Pre and post-hospitalisation not covered
  • Hospital cover only as an optional add-on (up to 10% of SI)
  • OPD not covered
  • Accidental death and disability
  • Permanent and total disability
  • Aid to uncertain injuries
  • Min. Entry Age - 18 Years
  • Max. Entry Age - 70 Years
  • SI: ₹2.5 Lakh – ₹1 Crore
  • No waiting period – accidents covered from Day 1
  • IRDAI product name: Saral Suraksha Bima - ACKO (UIN ACKPAIP21638V012021)
View plan

ManipalCigna Health Insurance

Most popular
Senior Citizen Health Insurance

ManipalCigna Prime Senior Plan

The ManipalCigna Prime Senior Policy provides comprehensive health insurance specifically designed for senior citizens, available ...

  • Modern treatment cover
  • Low waiting periods
  • Room category flexibility
  • Daily cash for shared accommodation
  • Air ambulance
  • Domestic second opinion
  • Unlimited 100% SI restoration
  • OPD cover
  • Maternity and newborn cover
  • Compassionate travel
  • Any room upgradation
  • Unlimited SI restoration
  • PEDs waiting period reduction
  • Domestic second opinion (Elite)
  • Entry age: 56 to 75 years
  • SI: 3 to 50 Lakhs
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days
View plan
Top Up and Super Top Up

ManipalCigna Super Top-up Plus Plan

The ManipalCigna Super Top-Up Plus Plan offers crucial additional health coverage, extending protection beyond a base policy's sum...

  • Choose any hospital room
  • Affordable premiums
  • Healthcare inflation protection
  • Pre-hospitalization cover
  • Post-hospitalization cover
  • Modern treatment cover
  • AYUSH hospitalization
  • Obesity/ weight control
  • Change of gender treatments
  • Hazardous or adventure sports
  • Maternity not covered
  • Newborn baby cover NA
  • Organ donor cover
  • Discounts on premium
  • 30 days grace period
  • Deductible options
  • Entry Age - 91 days
  • Max Entry Age - No Limit
  • SI - 1 - 30 Lakhs
  • Waiting Period - 30 Days
View plan
Senior Citizen Health Insurance

ManipalCigna ProHealth Cash Plan

ManipalCigna's ProHealth Cash Plan provides a daily cash benefit for hospitalization expenses, available in Basic and Enhanced var...

  • Daily hospital cash benefit
  • Worldwide cover option
  • Multiple discounts available
  • Available in 2 variants
  • Sickness Hospital Cash Benefit
  • ICU Cash Benefit
  • Worldwide Cover
  • Breach of law
  • Suicide or an attempt to commit suicide
  • Alcoholism or drug abuse
  • Contamination from Nuclear fuel or radiation
  • Option to choose coverage period
  • Family discount
  • Online renewal discount
  • Long-term discount
  • Entry age- 91 days to 65 years
  • Coverage period- 60/90/180 days
  • Sum Insured- INR 500-5000
View plan

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Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

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