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Acko Personal Accident Policy
- Zero waiting period
- Accidental death cover
- No health check-up required
Acko Health Insurance
Acko Health Insurance
ACKO General Insurance, established in 2016, is a leading online-first insurer in India. Serving over 50 million ...Read More
14,300+
Cashless hospitals
96.31%
Claim settlement
1 Crore
Max sum insured
3
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 14,300+ hospitals
📊 2.3x solvency ratio
✅ 96.31% claim settlement
What you get with Acko Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 1 Crore
Coverage scales from entry-level individual plans to high-end family-floater protection.
14,300+ cashless hospitals
Direct billing at network hospitals across 17 presence — no out-of-pocket payment at admission.
96.31% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
2.3x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
3 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
Choose Acko Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Acko Health Insurance
This video talks about Acko Health Insurance in detail. It talks about the Solvency Ratio, Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer.
All 3 Acko Health Insurance plans
Every plan currently being sold by Acko Health Insurance, shown side-by-side so you can shortlist quickly.
Acko Arogya Sanjeevani Policy
- No Pre-Policy Check-up
- COVID-19 cover
- AYUSH coverage
- Ambulance services
Acko Platinum Health Insurance
- Personal accident cover
- Critical illness cover
- SI up to 10 Lakhs
Quick comparison
Side-by-side across the 3 most-bought Acko Health Insurance plans on PolicyX.
| Feature | Acko Personal Accident Policy | Acko Arogya Sanjeevani Policy | Acko Platinum Health Insurance |
|---|---|---|---|
| Plan type | Accident Health Insurance | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Sum insured | 25L | 50,000, 1Lakh, 1.5Lakh, 2Lakh, … | 10 Lakh |
| Entry age | Minimum 18 years | Child: 3 Months - 25 Years, Adult: 18 -… | 18 years - No max limit |
| Top benefits | Zero waiting period · Accidental death cover | No Pre-Policy Check-up · COVID-19 cover | Personal accident cover · Critical illness cover |
Frequently asked questions
The 12 most-asked questions about Acko Health Insurance, answered.
Renewing your ACKO Health policy online is a convenient process. Follow the steps mentioned below: Visit the official website of ACKO Insurance Company and click on the ’My Policy’ tab given at the top of the page. Enter your login details to continue. Fill in the required details and make the payment. You will receive the renewal confirmation on your registered email ID.
After purchasing the plan, the company will send the plan’s link to the customer’s registered mobile number and email ID. Alternatively, you can log in to acko.com with your mobile number used to buy the policy and then select your policy to view the policy details.
Yes, the policyholder can get his policy cancelled by giving 15 days’ written notice. Under such circumstances, the company will deduct the premium for the number of days the policy was active and then refund the premium accordingly. The table below shows the amount of refund provided as per the cancellation timing of the policy. Timing of Cancellation (Refund %) Up to 30 days - 75.00% 31 to 90 days - 50.00% 3 to 6 months - 25.00% 6 to 12 months - 0.00%
The company will provide you with regular status updates regarding your claim request via SMS and email. Alternatively, you can call on ACKO’s toll-free number 1800 266 2256 to check the claim status.
The corporate health policy by ACKO provides cover to the employee and their family members (those included in the policy) for a fixed period of one year.
Yes, the health insurance plans by ACKO have a copayment clause of 5% that is applicable to the claim amount admissible and payable as per the terms and conditions of the policy.
Yes, the sum insured can be changed (increased/ decreased) but only at the time of renewal or at any time subject to underwriting by the Company. For any increase in the sum insured amount, the waiting period starts afresh only for the enhanced portion of the sum insured.
Yes, ACKO General Insurance allows its customers to port their policy to other insurers as per the portability guidelines issued by IRDAI.
Documents required to buy Acko Medical Insurance are: Age Proof such as Driving Licence, Voter’s ID, Passport, Birth Certificate, etc. Identity Proof such as PAN card, Passport, Driving License, Voter’s ID, etc. Proof of address such as Ration card, Passport, Voter’s ID, Aadhaar card, bank statement, telephone/electricity bill, etc. Photographs:Passport-size photographs.
Yes, as per the IRDAI guidelines, every insurance company including Acko Health insurance covers the expenses incurred due to COVID-19.
The premium for your Acko Health policy can be paid by using UPI, credit/debit cards, or net banking.
Acko Medical Insurance allows you to calculate your policy premium in advance by using an online tool. The online calculators calculate the premium based on a person’s age, sum insured, chosen add-ons, etc. All you have to do is fill in the details required, and the calculator will show the exact amount that you need to pay for your policy.
Compare Health Insurance Companies
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Customer satisfaction
Aggregate ratings from 2,703 verified PolicyX customers who bought a Acko Health Insurance plan.
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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