Buy Policy in 2 mins
With expert guidance
2 lakh+ Customers
Real-time Reviews
Free Comparison
Easy & Efficient
Google Ratings (2500+)
11+ Years
IRDAI Approved
5M+
Quotes Generated
100K+
Happy Customers
The Acko Personal Accident Policy is designed to protect you financially if an accident leads to injury, disability, or death. It covers situations like road accidents, falls, or slips and pays compensation to help manage medical costs or support your family during emergencies. Since accidents are sudden and treatment can be expensive, this policy acts as a simple safety net so you don’t have to depend only on savings.
You can also combine this cover with other plans for better protection, such as health insurance, car insurance, or life insurance. It is flexible and can be customized with add-ons based on your needs, making it useful for anyone looking to secure their finances against unexpected accidents.
The Acko Personal Accident Policy is 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 different insurance combinations, such as:
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.
| PLAN DETAILS |
Acko Personal Accident Policy |
3937-1730269249.webp){kind=logo}
Optima Restore Plan |
| 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 | 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 | 15000 |
| 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 | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not covered | Not 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 | Not Covered |
| Plan Entry Age | Minimum 18 years | 5 to 65 years |
| Plan Premium Entry Age and S/A | 1689 | 8852 |
| Plan Waiting Period | Accidental death covered from Day 1 | 30 |
| Plan Coverage | Accident plan | Individual & Family floater |
| Plan Sample Premium | Rs. 2500 | 8852 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1, 2 years |
| ICU Charges | Not covered | Not Covered |
| Covid-19 Treatment | Not covered | Covered |
| Cataract | Not covered | Covered |
| Automatic Restoration | Not covered | Covered |
| Ayush Treatment | Not covered | Not Covered |
| Modern Treatment | Not covered | Covered |
| E Consultation | Not covered | Covered |
| Air Ambulance | Not covered | Not Covered |
| Global Coverage | Not covered | Not Covered |
| Claim Ratio | 96.31 | 95.30 |
| Solvency Ratio | 2.30 | 2.00 |
|
Acko Health Insurance HDFC Ergo Health Insurance Plan Detailed Review |
||
ChatGPT
Claude
Perplexity
