Acko Arogya Sanjeevani Health Insurance Policy
Acko Health Insurance Acko Health Insurance ★ 4.4

Acko Arogya Sanjeevani Policy

Acko Arogya Sanjeevani is a comprehensive health insurance plan design ...Read More

Up to 1 Crore
Sum insured
1
No. of plans
17+
Pan India presence
96.31%
Claim settlement ratio
🛡️ IRDAI Approved
4.4/5 · 2,703 reviews
🏥 14,300+ hospitals
📊 2.30 solvency ratio
96.31% claim settlement

About Acko Arogya Sanjeevani Policy

A quick read on what this Acko Health Insurance plan covers and why it might be a fit for you.

You must be thinking about how a basic health insurance policy like Arogya Sanjeevani can fulfil all your health goals. But only let this thought sink in when you read this page further. Acko Arogya Sanjeevani Policy is an indemnity insurance plan that provides an allowance for your healthcare needs at an affordable charge. The Arogya Sanjeevani policy by Acko Health Insurance is suitable for an individual buyer and a family. The sum insured by this plan goes from INR 50,000 to 10 Lakhs (in multiples of INR 50,000) which is sufficient to cover the primary members of your family like your spouse, children, parents, and parents-in-law.

This insurance plan serves standardly in times of emergency, the incurred medical expenses due to hospitalisation including pre & post-hospitalisation, ICU charges, and room rent with the sub-limit of 2% of the SI subject to INR 5,000 on a per-day basis. Acko Arogya Sanjeevani policy provides support for COVID-19 treatment or any medical expenses related to AYUSH treatment or alternative therapies, specified daycare procedures, and so on.

This plan is curated to ensure the all-around health interest of the policyholders across every section of society. Additionally, the Acko Arogya Sanjeevani policy is a good choice for those who are beginners in buying health policy as it comes with a co-payment clause of 5% on every claim raised during a policy tenure.

Read further to know more about Acko Arogya Sanjeevani policy, its eligibility criteria, specific benefits, and the process for getting a claim settlement.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Child: 3 Months - 25 Years, Adult: 18 - 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹50 L, ₹1 L, ₹1 L, ₹2 L, ₹2 L, ₹3 L, ₹3 L, ₹4 L, ₹4 L, ₹5 L, ₹5 L, ₹6 L, ₹6 L, ₹7 L, ₹7 L, ₹8 L, ₹8 L, ₹9 L, ₹9 L, ₹10 L
Waiting period
30 Days
Renewability
Lifelong
Policy term
1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • No Pre-Policy Check-up
  • COVID-19 cover
  • AYUSH coverage
  • Ambulance services

Cons

  • OPD cover unavailable
  • Maternity unavailable
  • Newborn baby cover
  • Health check-ups unavailable

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Applicable
  • Sub-limits Not Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

2024 Acko Arogya Sanjeevani Policy

2024 Acko Arogya Sanjeevani Policy

The Acko Arogya Sanjeevani Policy has gained significant attention in the insurance market for its balance of affordability and coverage benefits. In this review, we will explore the key features of the policy.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • This policy schedule has some exclusions that are mentioned below:
  • Any kind of external congenital illnesses or voluntary treatments like cosmetic therapies/beautification/plastic surgery, etc
  • OPD and home care treatments
  • Unproven treatments, rest care, rehabilitation, etc
  • Sterility and infertility, birth control, gender change treatments, etc
  • Maternity expenses like childbirth, miscarriage, and lawful medical termination of pregnancy during the policy period
  • Hypertension, diabetes, cardiac arrests, organ transplants, donor expenses, etc
  • Investigation and evaluation purposes
  • Obesity/weight control/liposuction
  • Hazardous/adventure sports/nuclear wars, defensive attacks, etc
  • Breach of the law, alcoholism, drug, or substance abuse cases, etc

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: - 18 Years
  • Max Entry Age: - 65 Years
  • SI: - 1 L to 25 L
  • Waiting Period: - 30 Days

Other features & benefits

  • Family floater cover
  • Indemnity benefits
  • Pre & post-hospitalization
  • Room rent & ICU cover

Acko Arogya Sanjeevani Policy: FAQs

The 5 most-asked questions about Acko Arogya Sanjeevani Policy, answered.

The maximum sum insured under this plan is up to INR 50,000 to a maximum of 10 Lakhs.
Yes, the Acko Arogya Sanjeevani Policy covers the treatment for COVID-19.
Yes, this plan is designed for all. Either you want an individual policy for you and your family separately. Or all the family members can be covered under the same family floater plan.
It offers family floater plan benefits to your spouse, parents/ in-laws and children (3 months-25 years) can be covered under the same policy.
No, there is no variant of Arogya Sanjeevani’s policy of Acko.

Conclusion

The Acko Arogya Sanjeevani Policy is a simple and low-cost health plan that covers basic hospital ex

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

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