ACKO Health vs Oriental Health
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ACKO Health vs Oriental Health

ACKO Health and Oriental Health both come with a plethora of insurance solutions and a vast product portfolio. Both companies are well known for their all-inclusive plans that cover individuals as well as their families. The network hospitals under the umbrella of ACKO Health are 14300+ Number Of Network Hospitals whereas Oriental Health has 3500+ Number Of Network Hospitals of them. The companies provide benefits such as hospitalization, accidental care, daycare procedures, critical illness and senior citizen coverage, along with affordable premiums and high sum insured new age insurance plans.

PLAN DETAILS Edit ACKO Health

ACKO Health

Edit oriental-health

Oriental Health

Number of health insurance plans and add-ons
Sum insured Up to 100Lakh Up to 50 Lakh
Network hospitals 14300+ 3500+
Claim ratio 97.2% 90.18%
Preventive health check-up Available (plan dependant) Available (plan dependant)
Existing illness cover Available Available
No claim bonus Available Available
Online discount Available Available
OPD coverage Covered (plan dependant) Covered (plan dependant)
Day care treatment Available Available
Wellness benefits Available (plan dependant) Available (plan dependant)
Discount on renewal Available Available
Global coverage Not Available Not Available
Cashless Facility Available Available
Exclusive Plans for Senior Citizen Available Available
Exclusive Plans for Women Available Available
Exclusive Plans for Critical Illness Available Available
Exclusive Plans for Family Available Available
Top selling plans ACKO Platinum Health Insurance Plan Happy Family Floater Policy

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Health Insurance Plans by ACKO Health Insurance Company

ACKO Health Insurance offers two different types of health insurance plans to help stay financially protected in medical emergencies. Let's have an overview of these plans.

Standard Plan

Arogya Sanjeevani is a standard indemnity-based health insurance product designed to safeguard the medical requirements of customers.

Unique Benefits

  • Covers Cataract Treatments
  • No Health Check-ups up to 45 years
  • Cumulative bonus of 5% on SI

Group Health Plan

Acko Group Health Insurance Plan

Plan providing coverage for medical expenses arising out of hospitalization for a group of employees/workers of a particular organization.

Unique Benefits

  • Maternity benefit Available
  • Coverage for disabled children
  • Injuries due to Terrorism

Oriental Health Insurance Plans

To cater to the different needs of the customers, the company has come out with a wide range of health insurance plans. Take a look below.

Individual & Family Health Insurance Plans

A comprehensive policy that is designed to secure the healthcare needs of a family. The plan comes in 4 variants and the SI goes up to 50 lacs.

Unique Features

  • Covers SAARC countries
  • Midterm inclusion allowed
  • Assisted Reproduction Treatment

Happy Family Floater Policy (Pros)

  • New Born Baby Cover
  • Maternity Expenses Cover
  • Modern Treatments
  • Plastic Surgery Due To Injury
  • Family Floater Benefits

Happy Family Floater Policy (Cons)

  • No Gender Treatments
  • No Global Coverage
  • No Alcoholism Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Happy Family Floater Policy (Other Benefits)

  • Zone Wise Rates
  • Non-TPA Discount 5.5%
  • 10% Discount on Online Renewal
  • Waiver of Proportionate deduction
  • Dental Treatment Covered

Happy Family Floater Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 30 Days

A plan for individuals and families covering domiciliary hospitalization, and daycare treatment. The plan also offers many discounts and other add-on benefits.

Unique Features

  • Option of voluntary co-payment
  • Mental Illness coverage
  • No Medical examination required

Mediclaim Insurance (Individual)(Pros)

  • 10 % Family Discount
  • Daily Hospital Cash
  • Air Ambulance Cover
  • Personal Accident Cover
  • Lifetime Renewals

Mediclaim Insurance (Individual)(Cons)

  • No Suicide Cover
  • Co-Payment in Many Injuries
  • No Alcoholism Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Mediclaim Insurance (Individual)(Other Benefits)

  • Spouse Cover
  • Non-TPA Discount 5.5%
  • 10% Discount on Online Renewal
  • Family Cover
  • Dependent Child Covered

Mediclaim Insurance (Individual)(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 10 L to 50 L
  • Waiting Period - 30 Days

Oriental Happy Cash-Nischint Rahein

The policy offers Daily Cash Benefit during hospitalization. It also provides a 25% extra daily cash benefit for female policyholders at no additional premium.

Unique Features

  • Convalescence benefits
  • Lifelong renewal
  • Coverage for AYUSH

Happy Cash-Nischint Rahein (Pros)

  • Daily Cash Benefit
  • Day Care Treatment Cover
  • Parents-in-law Cover
  • Pre-Existing Disease Cover
  • Hospitalization Cover

Happy Cash-Nischint Rahein (Cons)

  • No Suicide Cover
  • No Unproven Treatment Cover
  • No Biological Injury Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Happy Cash-Nischint Rahein (Other Benefits)

  • Spouse Cover
  • Inpatient Expenses Cover
  • Acute Condition Cover
  • Ambulance Cover
  • Dependent Child Covered

Happy Cash-Nischint Rahein (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Oriental Aarogya Sanjeevani Policy

Covers hospitalization charges for the individual and family members. It is a standard plan that covers many illnesses and annual medical checkups.

Unique Features

  • All daycare expenses covered
  • Cover parents and parents in law
  • Lifelong renewal with no exit age

Aarogya Sanjeevani Policy(Pros)

  • Domiciliary Expenses Covered
  • 5% Cumulative Bonus
  • Dental surgery Expenses
  • Ambulance Charge Cover
  • 5.5% Non-TPA Discount

Aarogya Sanjeevani Policy(Cons)

  • No Dietary Supplements Cover
  • No War Injury Cover
  • No Biological Injury Cover
  • No Rheumatism Cover
  • No Obesity/Weight Cover

Aarogya Sanjeevani Policy(Other Benefits)

  • Spouse Cover
  • Dependent Child Cover
  • 50% Medical Checkups Covered
  • Daycare Treatment Covered
  • ICU Cover

Aarogya Sanjeevani Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI -5 L to 20L
  • Waiting Period - 30 Days

Oriental Jan Arogya Policy

It provides health insurance coverage to the financially constrained sections of society at very nominal premiums ranging between Rs. 50 to 70.

Unique Features

  • Avail benefit up to Rs 5k
  • Domiciliary Hospitalization
  • In-patient hospitalization covered

Oriental Jan Arogya Policy(Pros)

  • Room Expenses Covered
  • Artificial Limbs Covered
  • Dental surgery Expenses
  • Pre-existing condition Cover
  • Maternity Covered

Oriental Jan Arogya Policy(Cons)

  • No Suicide Cover
  • No Maternity Cover
  • No Dietary Supplement Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Oriental Jan Arogya Policy(Other Benefits)

  • Pre- Hospitalization
  • Post-Hospitalization
  • Ambulance Cover
  • Cost of Organ Covered
  • Naturopathy Cover

Oriental Jan Arogya Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -70 Years
  • SI -Rs 5000
  • Waiting Period - 30 Days

Specialized Health Plans

Oriental Pravasi Bharatiya Bima Yojana

The policy safeguards the Indian emigrant workers who intend to emigrate or have done so. The policy provides a Sum Insured of 10 lacs.

Unique Features

  • Cover against HIV/AIDS
  • Female Maturity benefit
  • Personal Accident Cover

Pravasi Bharatiya Bima Yojana(Pros)

  • Air Ambulance
  • Permanent Disability Cover
  • Dead Body Carriage Expenses
  • Legal Expenses Covered
  • Mental Illness Cover

Pravasi Bharatiya Bima Yojana(Cons)

  • No Suicide Cover
  • No Unproven Treatment Cover
  • No Biological Injury Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Pravasi Bharatiya Bima Yojana(Other Benefits)

  • Oral chemotherapy
  • Nursing Expenses
  • Robotic surgeries
  • Deep Brain stimulation
  • AYUSH Cover

Pravasi Bharatiya Bima Yojana(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 60 Years
  • SI - 10 L
  • Waiting Period - 30 Days

Oriental Super Health Top-up

Oriental Super Top-up policy is an add-on policy that is designed to provide coverage to the insured and his family in case their base coverage is exhausted.

Unique Features

  • Advanced surgeries covered
  • No Pre-acceptance till 55 years
  • AYUSH treatment covered

Super Health Top-up (Pros)

  • Organ Donor Benefit
  • Day Care Treatment Cover
  • Room Boarding Expenses
  • Newborn Baby Cover
  • SAARC Countries Cover

Super Health Top-up (Cons)

  • No Suicide Cover
  • No Unproven Treatment Cover
  • No Biological Injury Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Super Health Top-up (Other Benefits)

  • Maternity Cover
  • Nursing Expenses
  • Pre- Hospitalization
  • Post -Hospitalization
  • ICU Charges Covered

Super Health Top-up (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3L to 5L
  • Waiting Period - 30 Days

Oriental Health of Privileged Elders

Designed to offer health insurance coverage to senior citizens aged 60 years and above and comes out with a compulsory co-payment of 20%.

Unique Features

  • Discount on Voluntary Co-payment
  • Loading for new entrants
  • Telemedicine expenses

Health of Privileged Elders(Pros)

  • Domiciliary Expenses Covered
  • Eye Surgery Cover
  • Dental surgery Expenses
  • Parental Chemotherapy Cover
  • Orthopedic Diseases Cover

Health of Privileged Elders(Cons)

  • No Arthritis Cover
  • No Upper Respiratory Cover
  • No Biological Injury Cover
  • NoRheumatism Cover
  • No Obesity/Weight Cover

Health of Privileged Elders(Other Benefits)

  • No Claim Bonus
  • Accidental Injury
  • Knee Replacement
  • Chronic Renal Failure
  • Cancer Charges Covered

Health of Privileged Elders(Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age -NA
  • SI -1 L to 5L
  • Waiting Period - 30 Days

Oriental Overseas Mediclaim Policy (E & S)

Coverage for medical expenses of various ailments to the policyholders residing outside of India for study and employment.

Unique Features

  • Accidental cover
  • Mental health cover
  • Permanent Total Disablement

Overseas Mediclaim Policy (E & S)(Pros)

  • Spouse Cover
  • Ambulance Cover
  • Permanent total disablement
  • Air Ticket Covered
  • Serious Injury Covered

Overseas Mediclaim Policy (E & S)(Cons)

  • No Pre Existing Disease Cover
  • No Dental Cover
  • No Cosmetic Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Overseas Mediclaim Policy (E & S)(Other Benefits)

  • Repatriation of Remains
  • Medical Evacuation
  • Legal Coverage
  • Contingency Insurance
  • Medical Expenses Benefits

Overseas Mediclaim Policy (E & S)(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - US $ 5,000
  • Waiting Period - 30 Days

Oriental Dengue Kavach Policy

Specially designed to offer coverage on detection of Dengue Fever without any sub-limit/ co-payment. The plan comes with a coverage of up to Rs. 20,000.

Unique Features

  • One premium irrespective of age
  • Family Discount up to 5%
  • Free-look period available

Oriental Dengue Kavach Policy(Pros)

  • Spouse Cover
  • Dependent Child Covered
  • 5% Online Discount
  • Parent In-law Cover
  • No Medical Checkup

Oriental Dengue Kavach Policy(Cons)

  • No Suicide Cover
  • No Maternity Cover
  • No Dietary Supplement Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Oriental Dengue Kavach Policy(Other Benefits)

  • Pre- Hospitalization
  • Post-Hospitalization
  • Ambulance Cover
  • Divorced Daughter Cover
  • Easy Claim Processing

Oriental Dengue Kavach Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -70 Years
  • SI -Rs 10000- Rs 20000
  • Waiting Period - 30 Days

Oriental Overseas Mediclaim Policy (B & H)

A combination of travel and health insurance that contains health benefits and offers coverage against loss during travel abroad.

Unique Features

  • Hijack distress allowance
  • Financial Assistance Emergency
  • Flight Delay Allowance

Overseas Mediclaim Policy (B & H)(Pros)

  • Loss of Limb Cover
  • Loss of Eye Covered
  • Permanent total disablement
  • Room Rent Covered
  • Serious Injury Covered

Overseas Mediclaim Policy (B & H)(Cons)

  • No Suicide Cover
  • No Maternity Cover
  • No Dietary Supplement Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Overseas Mediclaim Policy (B & H)(Other Benefits)

  • Repatriation of Remains
  • Medical Evacuation
  • Annual Multi-Trip Insurance
  • Contingency Insurance
  • Medical Expenses Benefits

Overseas Mediclaim Policy (B & H)(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI -NA
  • Waiting Period - 30 Days

Oriental Critical Illness Policy

A plan that covers 22 critical illnesses including kidney and lung failure. The policy covers spouse, dependent child, parents-in-law and unmarried siblings.

Unique Features

  • Personalized Health Advice
  • Two plan options to choose from
  • Coverage of up to 50 Lakhs

Critical Illness Policy(Pros)

  • Open heart replacement Cover
  • Cancer Cover
  • Benign brain tumor Covered
  • Bone marrow transplant
  • Loss of speech Covered

Critical Illness Policy(Cons)

  • No Coronary Syndromes Cover
  • No Other stem-cell transplants
  • No Angioplasty Cover
  • No Angina Pectoris Cover
  • No Coma Cover

Critical Illness Policy(Other Benefits)

  • Permanent paralysis of limbs
  • 10% Buying Online Discount
  • 10% Family Discount
  • Third Degree Burn Covered
  • Loss of Limbs Cover

Critical Illness Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - Upto 20 Lakh
  • Waiting Period - 90 Days

Group Health Plans

Oriental Mediclaim Insurance Policy (Group)

It is a group health insurance plan that covers hospitalization and maternity expenses. The plan also covers low-claim discounts.

Unique Features

  • Mental Illness Cover
  • HIV Cover
  • Newborn baby expenses

Mediclaim Insurance Policy (Group) (Pros)

  • Diabetes Cover
  • Daily Hospital Cash
  • AYUSH Cover
  • Hernia surgery Cover
  • Psychiatrist Cover

Mediclaim Insurance Policy (Group) (Cons)

  • No Suicide Cover
  • No Gender Change Cover
  • No War Injury Cover
  • No Drug Abuse Cover
  • No Obesity Cover

Mediclaim Insurance Policy (Group) (Other Benefits)

  • Pre- Hospitalization
  • Post- Hospitalization
  • Indemnity Cover
  • Inpatient Cover
  • Daycare procedures Covered

Mediclaim Insurance Policy (Group) (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Oriental Saksham Swatha Policy

The plan includes hospitalization, and Medical Advice. It also covers mental illness and modern treatments.

Unique Features

  • Experimental Treatment
  • Surgical Procedures Cover
  • Accident Injury Cover

Oriental Saksham Swatha Policy(Pros)

  • Day Care Treatment
  • AYUSH Cover
  • Emergency Care
  • Maternity Expenses Covered
  • Cataract Treatment covered

Oriental Saksham Swatha Policy(Cons)

  • No Suicide Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Oriental Saksham Swatha Policy(Other Benefits)

  • Newborn Baby Cover
  • ICU Cover
  • OPD Treatment
  • Pre-Existing Disease Covered
  • Customary Charges

Oriental Saksham Swatha Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 4 L to 5L
  • Waiting Period - 30 Days

A plan for people with native bank accounts, includes coverage for pre-existing conditions, assisted reproductive techniques and hospitalization.

Unique Features

  • AYUSH treatment
  • Modern Treatment
  • Mental Illness Cover

Bank Sathi Policy(Pros)

  • Maternity Expenses covered
  • New Born Baby Cover
  • Road Ambulance Cover
  • Maternity Expenses Covered
  • Teleconsultation covered

Bank Sathi Policy(Cons)

  • No Suicide Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Bank Sathi Policy(Other Benefits)

  • ICU cover 2% of SI
  • 3 Dependent Child Cover
  • Midterm inclusion allowed
  • Hospital Daily cash
  • Cashless Claim Settlement

Bank Sathi Policy(Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age -70 Years
  • SI - 2 L to 25L
  • Waiting Period - 30 Days

Oriental Cancer Project Policy

A plan specifically designed for the treatment of cancer, Dialysis and post-treatment follow-up. It offers Cancer Care Benefits even in SAARC Countries.

Unique Features

  • Advanced Metastatic Cancer
  • Teleconsultation Expenses
  • Cumulative Bonus

Cancer Project Policy(Pros)

  • Room Rent covered
  • Nursing Expenses Covered
  • Road Ambulance Cover
  • ICU expenses covered
  • Air Ambulance Cover

Cancer Project Policy(Cons)

  • No Suicide Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Cancer Project Policy(Other Benefits)

  • Emergency Medical Evacuation
  • Organ Donor Expenses
  • OPD Cover
  • Second Medical Opinion Covered
  • Emergency Evacuation Care

Cancer Project Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 5 L to 50L
  • Waiting Period - 75 Days

Oriental Group Arogya Sanjeevani Policy

A standard health insurance plan that covers, hospital room rent (stay and bed charges), ICU services, and even new-age treatments.

Unique Features

  • ICU/ICCU Cover
  • Cataract Surgery
  • 5% Cumulative Bonus

Group Arogya Sanjeevani Policy(Pros)

  • AYUSH Cover
  • Plastic Surgery
  • Dental Cover
  • ICU expenses covered
  • Ambulance Cover

Group Arogya Sanjeevani Policy(Cons)

  • No OPD Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • 2% Room Rent Capping
  • 5% compulsory copayment

Group Arogya Sanjeevani Policy(Other Benefits)

  • Deep Brain Stimulation Cover
  • Stem Cell Therapy Covered
  • Oral Chemotherapy
  • Room Rent Covered
  • COVID-19 Cover

Group Arogya Sanjeevani Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 10L to 20L
  • Waiting Period - 30 Days

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.