Acko Health Insurance

Smart, Digital-First Health Coverage for Individuals, Families & Seniors

Acko Health Insurance, a leading digital-first insurer in India, is known for its 'Simplifying Insurance' approach. Established in 2016, Acko has transformed the insurance space with zero paperwork, instant policy issuance, and seamless digital claims. Its health insurance plans are affordable, customizable, and designed to cover hospitalization, critical illness, day-care treatments, and cashless benefits at a wide network of hospitals across India. With a customer-first approach and tech-driven processes, Acko makes buying, renewing, and claiming health insurance faster and easier than ever.

Key Benefits

  • Affordable & Flexible Plans – Pocket-friendly premiums with customizable add-ons.
  • Cashless Treatment – Access to a wide network of hospitals across India.
  • Quick Digital Claims – Fast, hassle-free claim settlement with minimal paperwork.
  • Comprehensive Coverage – Hospitalization, pre & post-hospitalization, daycare, and ambulance expenses.
  • Tax Savings – Premiums qualify for deductions under Section 80D of the Income Tax Act.

Why Choose Acko Health Insurance?

  • 100% digital purchase & claim process – no paperwork
  • Cashless hospitalization across 8,000+ network hospitals
  • High claim settlement ratio (FY 2024–25: 98.4%)
  • Affordable premiums with customizable sum insured up to ₹1 crore
  • Covers individuals, families, senior citizens, women, and children
  • Benefits include OPD, maternity, daycare, critical illness, and wellness support
  • Zero hidden charges & easy premium payment options

Popular Plans

Acko Platinum Health Plan

Comprehensive family floater plan. Covers maternity, newborn baby, daycare, ambulance, and health check-ups. High sum insured options up to ₹1 crore. Free preventive check-ups & wellness benefits.

Acko Standard Health Plan

Affordable hospitalization cover for individuals & families. Pre- and post-hospitalization included. Cashless treatment in 8,000+ hospitals. Sum insured up to ₹25 lakh.

Acko Senior Health Plan

Specially designed for people aged 60+ years. Covers pre-existing diseases after 1 year. No mandatory medical tests (up to certain coverage limits). Home healthcare & teleconsultation included.

Acko Women Care Insurance

Designed for working women & homemakers. Covers maternity, fertility treatment, and newborn care. Includes OPD & wellness benefits.

Acko Critical Illness Plan

Lump sum payout on diagnosis of critical illnesses. Covers 20+ illnesses including cancer, heart attack, and kidney failure. Can be purchased as a rider or standalone policy.

Additional Products

  • Acko Motor Insurance – Car & bike insurance with zero paperwork
  • Acko Travel Insurance – Global travel cover for emergencies
  • Acko Gadget Insurance – Mobile & electronics protection
  • Acko Group Health Plans – Employee health cover for SMEs & corporates

Customer Services & Support

  • 24x7 customer care assistance via toll-free helpline, email, and live chat for policy-related queries, renewals, and claims support.
  • Quick and transparent claim settlements with cashless treatment available across 7,000+ partner hospitals in India.
  • End-to-end online support for instant policy downloads, easy document uploads, and real-time claim tracking.
  • Convenient customer-first experience with paperless processes, faster approvals, and proactive notifications at every step of the insurance journey.

Licensing & Regulatory

  • Company Name: Acko General Insurance Limited
  • IRDAI Registration Number: 157
  • IRDAI License Type: General Insurance (includes Health, Motor, Travel, etc.)
  • IRDAI Registration Validity: 25 September 2016 onwards (permanent subject to compliance & renewals)
  • Regulatory Body: Insurance Regulatory and Development Authority of India (IRDAI)
  • Headquarters: Mumbai, Maharashtra

Overview

Acko Health Insurance positions itself as a 100% digital-first, customer-centric health insurance provider that eliminates paperwork, agents, and hidden costs. Its focus is on simplicity, transparency, and affordability, making insurance accessible to India’s digitally savvy population. Unlike traditional insurers, Acko leverages technology and data-driven processes to deliver instant policy issuance, zero-commission pricing, and hassle-free claims settlement.

Frequently Asked Questions (FAQs)

Is Acko Health Insurance cashless?
Yes, Acko offers cashless hospitalization at over 8,000+ hospitals across India.
What is Acko’s claim settlement ratio?
As per FY 2024–25 reports, Acko’s claim settlement ratio is 98.4%, among the best in India.
Does Acko cover pre-existing diseases?
Yes, after a waiting period of 1–4 years, depending on the plan.
Can senior citizens buy Acko Health Insurance?
Yes, the Acko Senior Health Plan is designed for individuals aged 60+ with relaxed eligibility.
What is unique about Acko compared to Star Health or HDFC Ergo?
Acko is 100% digital-first, with faster claims, lower premiums, and strong tie-ups with leading digital platforms.
Is maternity covered under Acko Health Plans?
Yes, in select plans like Acko Platinum and Women Care Policy, with a waiting period of 9–24 months.
How do I check Acko policy details?
Log in to the Acko app or website with your registered mobile number and policy ID.
Can I port my existing health policy to Acko?
Yes, as per IRDAI guidelines, you can port from your current insurer to Acko without losing benefits.
Does Acko offer tax benefits?
Yes, premiums paid qualify for Section 80D deductions under the Income Tax Act.
Can I add critical illness to my Acko Health Plan?
Yes, you can buy critical illness riders for enhanced protection.