Acko Health Insurance: Imagine you’re in a hospital waiting room. You’re not just worried about your health, but also that massive hospital bill looming over your head. Now imagine if a digital-first health insurer handled everything from policy issuance to claim settlement—all online, without paperwork or long waits.
Welcome to the world of Acko Health Insurance.
In an age where we expect food deliveries in 10 minutes and cabs in 2 taps, why should insurance still be a slow, paper-heavy process? Acko is changing that narrative—and it’s doing it with a tech-first mindset, affordable pricing, and customer-friendly service.
But is it right for you?
Let’s explore Acko’s offerings in detail so you can make an informed choice.
What is Acko Health Insurance?
Acko is a digital-first insurance provider licensed by IRDAI. Founded in 2016, it started with motor insurance and quickly gained popularity for its zero paperwork, instant claim settlements, and low premiums. In recent years, Acko expanded into health insurance, targeting young, tech-savvy Indians who want customizable, affordable, and transparent coverage.
Acko’s health plans are not your typical one-size-fits-all policies. They’re designed with a consumer-first approach—meaning more clarity, faster processes, and value-based coverage.
Key Features That Set Acko Health Insurance Apart
1. 100% Digital Experience
From buying a policy to filing claims, everything can be done via the Acko app or website. This cuts out agents, paperwork, and long wait times.
2. Zero Paperwork
No document submissions for buying policies or raising claims. Acko uses digital KYC and pre-filled medical data (with your consent) to streamline everything.
3. Affordable Premiums
Because Acko doesn’t rely on traditional sales agents or branch offices, the operational costs are low—and these savings are passed on to customers through competitive pricing.
4. Instant Policy Issuance
In most cases, policies are issued within minutes of purchase. No medical tests required for many plans (subject to age and health conditions).
5. Smart Cashless Network
Access to 7,000+ cashless hospitals across India, with real-time approvals for most claims.
Types of Acko Health Insurance Plans
Acko currently offers the following health insurance options:
1. Acko Platinum Health Plan
Designed for individuals and families looking for comprehensive coverage. Here’s what it includes:
- Sum Insured: ₹5 lakh to ₹1 crore
- Cashless Network: 7,000+ hospitals
- Room Rent: No cap
- Pre & Post-Hospitalization: Up to 60 & 180 days
- Free Annual Health Checkups
- Wellness Rewards through fitness tracking
✅ Real-life example:
Rohan, a 35-year-old IT professional from Bengaluru, chose the ₹10 lakh Acko Platinum plan for his family. When his daughter had a minor surgery, the entire process—from claim initiation to final approval—was done via the Acko app within 4 hours.
2. Group Health Plans via Employers
Acko has tie-ups with companies like Swiggy, Zomato, Ola, and others to provide custom corporate health plans. These are affordable, paperless, and cover even pre-existing diseases from Day 1.
✅ Pro Tip: Even if you have a corporate plan, consider buying a top-up plan from Acko for better coverage.
3. Acko Super Top-Up Plan
This plan acts as a booster to your existing policy. Ideal if you already have a basic employer-provided plan.
- High Sum Insured at Low Premiums
- Deductible-based Coverage
- Great for Young Families
Acko vs Traditional Health Insurance: What’s the Real Difference?
| Feature | Acko Health Insurance | Traditional Health Insurers |
|---|---|---|
| Policy Purchase | 100% online | Agent or branch |
| Paperwork | Zero | Extensive |
| Claim Settlement | Digital, often same-day | Often takes days |
| Pricing | Lower due to digital model | Higher |
| Transparency | App-based tracking | Limited updates |
| Customer Support | Chat, email, and call | Usually call-based |
What’s Covered in Acko Health Insurance?
Here’s a breakdown of standard coverage under most Acko plans:
✅ Hospitalization Expenses
Covers room rent, ICU charges, doctor fees, surgeries, etc.
✅ Pre & Post Hospitalization
Expenses up to 60 days before and 180 days after hospitalization.
✅ Daycare Treatments
Covers 500+ daycare procedures that don’t require 24-hour admission.
✅ Ambulance Charges
Up to ₹2,000 per hospitalization (can vary based on plan).
✅ Domiciliary Hospitalization
Treatment at home if hospital beds aren’t available.
✅ Annual Health Check-Ups
Complimentary tests once a year to keep track of health.
✅ Mental Health Support
Some plans include consultations with therapists or psychologists.
What’s Not Covered?
While Acko is transparent, it’s important to know exclusions:
- Illnesses within the first 30 days (except accidents)
- Cosmetic surgeries
- Pre-existing diseases (waiting period varies)
- Alternative treatments not prescribed by a doctor
- Injuries due to substance abuse or illegal acts
Always read the policy wording carefully.
How to File a Claim with Acko Health Insurance
Filing a claim is incredibly simple:
- Open Acko app or website
- Go to your health insurance section
- Select “Raise a Claim”
- Upload doctor’s notes, bills, or photos if required
- Get real-time updates via SMS, email, or app
For cashless claims, just show your Acko e-card at a network hospital. The rest is handled directly between Acko and the hospital.
✅ Real-life user feedback:
Neha from Pune shared that her mother’s claim was settled in less than 12 hours after discharge. “No chasing. No calls. Just uploaded documents and waited. That’s it,” she says.
Premiums: How Much Does Acko Health Insurance Cost?
Acko offers competitive premiums tailored to your city, age, and sum insured. Here’s a quick estimate:
| Age | Sum Insured | Annual Premium (Approx.) |
|---|---|---|
| 25 | ₹5 lakh | ₹2,800–₹3,500 |
| 35 | ₹10 lakh | ₹4,500–₹6,000 |
| 45 | ₹15 lakh | ₹6,500–₹8,000 |
| 55 | ₹20 lakh | ₹10,000–₹13,000 |
(Premiums may vary. Always use the Acko calculator for exact quotes.)
Is Acko Health Insurance Safe & Reliable?
Absolutely.
- Licensed by IRDAI
- Rated 4.5+ stars on Google Play and App Store
- Used by millions across India
- Backed by major investors like Amazon and Accel Partners
Acko has settled over 1 crore claims across its product line and maintains a strong Claim Settlement Ratio (CSR).
Who Should Consider Acko Health Insurance?
✅ Young professionals & families
✅ Start-up employees or freelancers
✅ People looking for paperless, tech-first service
✅ Those looking for affordable premiums without compromise
Pros & Cons of Acko Health Insurance
✅ Pros
- Instant online issuance
- Low premiums
- Excellent mobile app
- Fast claim settlements
- Customizable plans
❌ Cons
- Not ideal for those who prefer in-person support
- Limited offline presence
- Coverage for seniors may be restricted
Expert Opinion: Should You Buy It?
Dr. Ramesh Shetty, a health insurance advisor, says:
“Acko is perfect for today’s tech-savvy generation. It cuts out the noise and delivers value. But I’d advise seniors or those with serious pre-existing conditions to compare with other insurers too.”
FAQs About Acko Health Insurance
Is Acko IRDAI approved?
Yes, it’s a licensed general insurer regulated by IRDAI.
Do I need to take medical tests?
Usually not, unless you’re over 50 or have pre-existing conditions.
Can I port my existing health insurance to Acko?
Yes, portability is allowed as per IRDAI rules.
Does Acko cover COVID-19?
Yes, it covers hospitalization due to COVID-19 and post-COVID complications.
Final Thoughts: Should You Choose Acko?
If you value speed, convenience, affordability, and digital transparency, Acko is undoubtedly one of the best health insurers in India today.
It’s ideal for those who don’t want to be buried under paperwork or make multiple calls during an emergency. Whether you’re an individual or a family, Acko’s health plans give you peace of mind without burning a hole in your pocket.
But like all insurance decisions, compare, customize, and read the fine print before buying.
Want to check your Acko premium?
👉 Visit acko.com and get a free quote in under 60 seconds.
