United India vs Acko Health Insurance Health Insurance 2026 | PolicyX
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Overview

United India Insurance (a government-owned insurer founded in 1938) offers health plans from basic to advanced needs, plus critical illness, maternity and senior-citizen options.
COMPANY DETAILS ✎ Edit

United India

 ✎ Edit

Acko Health Insurance
Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 95 Lakh

Sum Insured

Up to ₹ 1 crore and Unlimited
Claim ratio

Claim Ratio

91.10%

Claim Ratio

98%
Network hospitals

Network Hospital

14000+

Network Hospital

11,500+
Solvency Ratio

Solvency Ratio

-0.65

Solvency Ratio

2.3
Pan India Presence

Pan India Presence

1537

Pan India Presence

11
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

7,519.28 Crore

Annual premium (company level)

2,064.67 Crore
Years in operation

Years in operation

1938

Years in operation

9 years
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

96

Claims settled within 3 months

98%
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United India Health Insurance

▶ United India Health Insurance

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

▶ Acko Health Insurance Review 2026 | Company Review | Benefits & Claim Process
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Know More About Health Insurance Companies

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United India Health Insurance

Most popular
Individual and Family Health Insurance

United India Family Medicare

The United India Family Medicare Policy offers a cost-effective health insurance solution for individuals and families, covering t...

  • High SI
  • Optional Covers
  • ICU Cover
  • In-patient hospitalization
  • Day-care treatments
  • Pre & post-hospitalization
  • AYUSH treatment
  • Vaccination unavailable
  • OPD cover
  • Domiciliary hospitalization
  • Global coverage
  • Organ donor
  • Maternity & newborn baby cover
  • Daily hospital cash
  • Sum Insured restoration
  • Entry age: Min. 18 yrs/ Max. 65 yrs
  • SI: 3 to 25 Lakhs
  • Initial waiting period: 30 Days
  • Policy term: 1 year
View plan

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

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Expert Reviewed

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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