Acko Personal Accident Policy
vs
Mediclaim Policy
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Acko Personal Accident Policy |
 Mediclaim Policy |
| Premium Including GST | ||
| Product Type | Accident Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Not covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14300 | 3000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not covered | Covered |
| Plan Entry Age | Minimum 18 years | 18 Year to no age limit |
| Plan Premium Entry Age and S/A | NA | 5,691 |
| Plan Waiting Period | Accidental death covered from Day 1 | 30 |
| Plan Coverage | Accident plan | - |
| Plan Sample Premium | - | 5,691 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1 Year |
| ICU Charges | Not covered | Covered |
| Covid-19 Treatment | Not covered | Covered |
| Cataract | Not covered | Covered |
| Automatic Restoration | Not covered | Not Covered |
| Ayush Treatment | Not covered | Covered |
| Modern Treatment | Not covered | Covered |
| E Consultation | Not covered | Not Covered |
| Air Ambulance | Not covered | Not Covered |
| Global Coverage | Not covered | Not Covered |
| Claim Ratio | 97.68 | 90.73 |
| Solvency Ratio | 4.3 | 1.8 |
According to a report from the World Economic Forum, there are over 2.5 lakh accidental deaths or fatalities happening per year in India. Accidents are never planned so it doesn’t give us any chance to plan for our family’s future.
How do we combat these uncertainties?
The answer is simple - with personal accident insurance. Not all of us can bear the expensive healthcare costs, so we require accidental health insurance. Personal accidents generally refer to injuries/deaths caused due to a fall, slip, road accident, etc. It can be challenging for people to get treated with such conditions. Hence we must have accidental health insurance that can take care of our medical expenses and our family’s financial needs in an emergency.
The Acko personal accident policy is such a safety net that can protect you from financial distress and help you recover rather than worrying about inflating healthcare costs. You can also buy the Acko personal accident cover with a different set of insurance combinations, category of which are mentioned below:
Furthermore, to understand the specifications, benefits of buying an Acko personal accident plan and exclusions of the Acko personal accident cover, scroll down. When it comes to buying an accident cover insurance policy, the goal should be clear and impactful.
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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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