Acko Personal Accident Policy - Explore Benefits and Coverage
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Acko Personal Accident Policy

ACKO Personal Accident policy covers accidental hospitalization expens ...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

ACKO Personal Accident policy covers accidental hospitalization expenses along with other financial benefits. Here are some of the major features of this policy:-

Why Do We Recommend This?
  • Accidental death and disability hospitalization
  • Permanent and total disability
  • Aid to uncertain injuries

Plan at a glance

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

Entry age
Minimum 18 years
Plan type
Accident Health Insurance
Sum insured options
₹25 L
Waiting period
Accidental death covered from Day 1
Renewability
NA
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

  • Zero waiting period
  • Accidental death cover
  • No health check-up required

Cons

  • Pre and post-hospitalisation not covered
  • ICU cover not available
  • OPD not covered

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

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

Bonuses & restoration

  • No-claim bonus Not 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 Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not 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 Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

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

Acko Health Insurance

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.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min. Entry Age: 18 Years
  • Max. Entry Age: 70 Years
  • SI: - NA
  • Initial Waiting Period: - Day 1 Coverage For Accidental Death

Frequently Asked Questions

The 4 most-asked questions about Acko Personal Accident Policy, answered.

Individuals aged between 18-70 years can buy this policy.
No, only Indians and people living in India can buy the Acko personal accident plan.
The Acko personal accident cover is built to be accessible by all, hence there’s no need for a pre-policy medical check-up before buying the policy.
The payable premiums depend upon the coverage amount you choose, age, health and medical history, add-on covers, type of occupation, and so on.

Conclusion

An accidental mishap can make the ground below your feet slip at times. Despite that, you can be pre

Explore Acko Health Insurance

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Written and reviewed by

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

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 May 2026 · Originally published: 27 Sep 2024

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