ACKO Health vs United India
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ACKO Health vs United India

ACKO Health and United India 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 United India has 14000+ 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 united-india

United India

Number of health insurance plans and add-ons
Sum insured Up to 100Lakh Up to 95 Lakh
Network hospitals 14300+ 14000+
Claim ratio 97.2% 97.25%
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 NA
Exclusive Plans for Women Available NA
Exclusive Plans for Critical Illness Available Available
Exclusive Plans for Family Available Available
Top selling plans ACKO Platinum Health Insurance Plan United Family Medicare Policy

Health Insurance Companies

Finding a reliable insurance company is as critical as purchasing suitable medical insurance plans to avail of all the expected benefits of the policy. Here are the 28 most trusted health insurance providers in India.

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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

Health Insurance Plans offered by United India Health Insurance

Elaborated below is a glimpse of all the 8 health plans offered by United India Health Insurance Company that will help you narrow down your selection:

Individual & Family Floater Health Insurance Plans

A family floater health insurance plan that offers up to 25 Lacs coverage to you, your spouse and 2 dependent children on the Sum Insured.

Unique Features

  • Midterm Inclusion available
  • Modern Treatment Methods
  • Maternity & New Born Baby cover

Family Medicare Policy(Pros)

  • AYUSH Treatment Cover
  • Daycare Treatment Cover
  • Room Rent Cover
  • Ambulance Cover
  • Organ Donor Benefit

Family Medicare Policy(Cons)

  • 2 Years WP for Cataract
  • Obesity Treatment Unavailable
  • Unproven Treatments Not Covered
  • 2 Years WP for Hernia
  • 4 Years WP for Joint Replacement

Family Medicare Policy(Other Benefits)

  • Restoration Of SI
  • Health Checkup
  • Affordable Premium
  • Tax Benefit
  • Dependent Child Cover

Family Medicare Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

United Individual Health Insurance

An individual health insurance policy that covers hospitalization, day care and ayurvedic expenses.

Unique Features

  • Ambulance charges covered
  • Daily hospital cash
  • Free health check-ups

Individual Health Insurance(Pros)

  • AYUSH Treatment Cover
  • Daycare Treatment Cover
  • Room Rent Cover
  • Domiciliary Hospitalization
  • Organ Donor Benefit

Individual Health Insurance(Cons)

  • 2 Years WP for Cataract
  • Obesity Treatment Unavailable
  • Unproven Treatments Not Covered
  • 2 Years WP for Hernia
  • 4 Years WP for Joint Replacement

Individual Health Insurance(Other Benefits)

  • 3 Policy Variants
  • Spouse Cover
  • Cataract Treatment Cover
  • Surgical Procedures Cover
  • Senior Citizen Cover

Individual Health Insurance(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 2 L to 20 L
  • Waiting Period - 30 Days

United Arogya Sanjeevani Policy

The standard health insurance plan, which is designed to look after your healthcare needs at affordable premiums.

Unique Features

  • Coverage for cataract treatment
  • AYUSH Treatment covered
  • Cumulative Bonus up to 5%

Arogya Sanjeevani Policy(Pros)

  • Pacemaker Implantation Covered
  • Daycare Treatment Covered
  • Asthma Treatment Covered
  • Domiciliary Hospitalization
  • Organ Donor Benefit

Arogya Sanjeevani Policy(Cons)

  • No Maternity Cover
  • No Global Coverage
  • No Unproven Treatments
  • No Change in Gender
  • No Obesity Treatment Cover

Arogya Sanjeevani Policy(Other Benefits)

  • 3 Policy Variants
  • Spouse Cover
  • Hypertension Treatment Covered
  • Influenza Treatment Covered
  • Senior Citizen Cover

Arogya Sanjeevani Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 2 L to 20 L
  • Waiting Period - 30 Days

United Super Top-up Medicare Policy

The plan offers extended coverage against hospitalization expenses if the cover exceeds the threshold level up to the mentioned sum insured.

Unique Features

  • Daily cash allowance
  • Home Care Treatment covered
  • Road ambulance up to 5K

Super Top-up Medicare Policy(Pros)

  • AYUSH Treatment Cover
  • Organ Donor Cost Covered
  • Room Rent Covered
  • In Patient Hospitalization
  • Modern Treatment Covered

Super Top-up Medicare Policy(Cons)

  • No Respite Care Cover
  • No Global Coverage
  • No Unproven Treatments
  • No Breach Of Law Cover
  • No Infertility Treatment Cover

Super Top-up Medicare Policy(Other Benefits)

  • Pre Hospitalization
  • Post Hospitalization
  • Stem Cell Therapy Covered
  • Brain Stimulation Covered
  • Dependent Child Cover

Super Top-up Medicare Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI -3 L to 75 L
  • Waiting Period - 30 Days

UNI Criticare Health Policy

A plan that is exclusively designed for 11 listed critical illnesses and pays out a lump sum amount on diagnosis of these listed critical illnesses.

Unique Features

  • 90 Days waiting period
  • No exit age for continuous renewal
  • Tax benefits

UNI Criticare Health Policy(Pros)

  • First Heart Attack Cover
  • Cancer Covered
  • Heart Valve Replacement
  • Coma Treatment Covered
  • Kidney Failure Covered

UNI Criticare Health Policy(Cons)

  • No HIV Treatment Cover
  • No Global Coverage
  • Diseases Caused By Smoking
  • No War Injury Cover
  • No Suicide Cover

UNI Criticare Health Policy(Other Benefits)

  • Multiple Sclerosis Cover
  • Permanent Paralysis Cover
  • Motor Neuron Treatment Cover
  • Bone Marrow Treatment Cover
  • Spouse Cover

UNI Criticare Health Policy(Eligibility Criteria)

  • Entry Age - 21 Years
  • Max Entry Age -65 Years
  • SI -1 L to 10 L
  • Waiting Period - 90 Days

UNI Group Health Insurance Policy

The policy covers an individual and family on a Family Floater basis. Apart from this, it provides additional riders and critical illness covers.

Unique Features

  • 35 optional covers
  • Donor expenses covered
  • Mental illnesses covered

UNI Group Health Policy(Pros)

  • OPD Physiotherapy Cover
  • Hospital Daily Cash Benefit
  • Critical Illness Cover
  • Blindness Covered
  • Loss Of Pay Covered

UNI Group Health Policy(Cons)

  • No Sterilization Reversal Cover
  • No Dangerous Sports Coverage
  • No Deep Coma Cover
  • No War Injury Cover
  • No Dietary Supplement Cover

UNI Group Health Policy(Other Benefits)

  • Air Ambulance cover
  • Domiciliary Hospitalization Cover
  • Maternity Expenses Covered
  • New Born Baby Covered
  • Wellness Cover

UNI Group Health Policy(Eligibility Criteria)

  • Entry Age - NA
  • Max Entry Age - NA
  • SI -NA
  • Waiting Period - NA

United Shramik Seva Policy

A Group Health policy specially designed for Employer-Employee Groups. The plan provides coverage for the basic healthcare needs of the employees/ workers.

Unique Features

  • 5 sum insured options are available
  • All the daycare treatments
  • Plastic surgery & Dental treatments

Shramik Seva Policy(Pros)

  • 7 People Covered
  • Ambulance Cover
  • Cataract Treatment Cover
  • Hernia Treatment Covered
  • AYUSH Treatment Covered

Shramik Seva Policy(Cons)

  • No Weight Control Cover
  • No Breach Of Law Coverage
  • No Change Of Gender Cover
  • No War Injury Cover
  • No Dietary Supplement Cover

Shramik Seva Policy(Other Benefits)

  • Modern Treatment Cover
  • Out -Patient Treatment Cover
  • Waiver Of Waiting Period
  • Maternity Cover
  • Daily Cash Allowance Cover

Shramik Seva Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI -1 L to 5 L
  • Waiting Period - 30 Days

United Corona Kavach Policy

The plan offers coverage against the treatment of COVID-19 on an Individual or Family Floater basis. The plan offers coverage of up to 5 Lakhs.

Unique Features

  • Home Care Treatment Expenses
  • AYUSH Treatment
  • Covid Hospitalization Cover

Corona Kavach Policy(Pros)

  • Flexible Policy Duration
  • Daycare Treatment Covered
  • Room Rent Covered
  • Spouse Cover
  • ICU Charges Covered

Corona Kavach Policy(Cons)

  • No Maternity Cover
  • No Global Coverage
  • No Unproven Treatments
  • No Dietary Supplements Cover
  • No OPD Cover

Corona Kavach Policy(Other Benefits)

  • Pre Hospitalization
  • Post Hospitalization
  • PPE Kit Covered
  • Ambulance Cover
  • Room Rent Cover

Corona Kavach Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI -50 Thousand to 5 L
  • Waiting Period - 15 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.