Acko Health Insurance vs Royal Sundaram 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

Royal Sundaram
Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 1 crore and Unlimited

Sum Insured

Up to ₹ 1.5 Cr
Claim ratio

Claim Ratio

98%

Claim Ratio

96.17%
Network hospitals

Network Hospital

11,500+

Network Hospital

10000+
Solvency Ratio

Solvency Ratio

2.3

Solvency Ratio

2.20
Pan India Presence

Pan India Presence

11

Pan India Presence

160
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

2,064.67 Crore

Annual premium (company level)

774.90 Crore
Years in operation

Years in operation

9 years

Years in operation

2000
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

96
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▶ Is Royal Sundaram Health Insurance Worth It? Full Review & Key Highlights
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Know More About Health Insurance Companies

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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

Royal Sundaram Health Insurance

Most popular
Individual and Family Health Insurance

Royal Sundaram Lifeline Supreme

The Royal Sundaram Lifeline Supreme Health Plan provides comprehensive health coverage for individuals and families, with sum insu...

  • Up to 1 Crore SI
  • 4X Mobility Devices Cover
  • Health and Wellness Cover
  • Re-load of sum insured
  • Health check-up
  • App-based cabs
  • Illegal activities
  • Alcoholism
  • Self-inflicted harm
  • Annual Health Check-up
  • Emergency Evacuation
  • Second Opinion
  • Min Entry Age: 18 Years
  • Max Entry Age: No limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: 1 Crore
View plan
Accident Health Insurance

Royal Sundaram Health Personal Accident Policy

The Royal Sundaram Personal Accident Policy provides comprehensive financial protection against accidental death, various disabili...

  • Global Coverage Available
  • 5 Crore SI
  • Education Grant
  • Higher sum insured available
  • Accidental death cover
  • Disability cover
  • Illegal activities
  • Alcoholism
  • Adventure sports
  • Worldwide coverage
  • Education grant
  • Cumulative bonus
  • Min entry age: 18 Years
  • Max entry age: 70 Years
  • Sum Insured: Up to 1.5 Crores
View plan
Individual and Family Health Insurance

Royal Sundaram Multiplier Health Plan

Royal Sundaram's Multiplier Health Insurance Plan provides extensive coverage, offering up to 11 times the sum insured for emergen...

  • 11X Multiplier Benefit
  • 4X Multiplier Benefit
  • Emergency Domestic Evacuation
  • No Claim Bonus
  • Modern Treatments
  • AYUSH Treatment
  • Illegal activities
  • alcoholism
  • obesity and weight management
  • Flexi Reload Benefit
  • Health and Wellness Benefit
  • Ambulance Cover
  • Min Entry Age: 18 years
  • Max Entry Age: 65 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 25 L
View plan

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