Health insurance, also known as Medical insurance Plans/Policy, is an essential financial tool that covers the cost of medical treatment for injuries & illnesses, but also offers potential tax savings of up to ₹75,000, starting from just ₹21/Day*
Plans start at just ₹21/day*.
We pay 100% of your hospital bills
From syringes to surgeries
No limit on hospital room rent
No compromises on recovery
10% growth in sum insured every year
To keep up with rising healthcare costs
Health Insurance
Health insurance, also known as Medical insurance Plans/Policy, is an essential financial tool that covers the cost of medical treatment for injuries, illnesses & more, from basic hospitalisation coverage to comprehensive policies with extra benefits like preventive medical health care & death benefits, there's a variety of health insurance policy available. Read more about What is health insurance?
Finding the right health plan ensures you & your family stay financially protected when unexpected illness or injury strikes. But why stop there? ACKO Platinum Health Insurance Plans take it up a notch! With zero deductions on claims, and fantastic built-in add-ons, we provide an extra cushion during medical emergencies.
When it comes to health insurance plans, there is no universal policy that fits everyone. It's similar to shopping for clothes, where different plans offer varying coverage, benefits, and premiums.
Therefore, it's essential to do some comparison to find the one that suits your needs. We have provided a quick overview of how our health insurance plans measure up against others.
| Criteria | Other Market Health Plan | ACKO Standard Health Insurance Plan | ACKO Platinum Health Insurance Plan |
| HOSPITAL BILLS | They Pay ~85% | ACKO pays 100% | ACKO pays 100% |
| ROOM RENT LIMIT | Pay extra for room upgrades | No Room rent limit | No Room rent limit |
| WAITING PERIODS | 30 days initial | 30 days initial | None initial |
| COPAY | Fixed Copay | No Copay | No Copay |
| DISEASE-SPECIFIC WAITING PERIOD | 2 years Specified illnesses | 2 years Specified illnesses | None Specified illnesses |
| PRE-EXISTING DISEASES WAITING PERIOD | 3 years Pre-existing diseases | 3 years Pre-existing diseases | 0-3 years Pre-existing diseases (based on health evaluation) |
ACKO Health Insurance provides cost-effective health insurance policies through its online distribution model. Traditional health plans in India are usually sold through agents and brokers who earn a commission from the insurance company.
These costs are passed on to policyholders as distribution costs, leading to higher premiums. However, ACKO's online platform eliminates the need for intermediaries and allows customers to directly purchase
No agents in the mix.
Just you and us.
Zero commissions means more savings for you
Convenient direct claim assistance through our app
Expert guidance on the best plans for you
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Consider Reading This, Even if You're in Good Health.
Vector-borne disease fatalities pose a significant challenge in numerous areas, with our country registering the highest incidence of malaria cases in the Asia Pacific region during the year 2020.
According to a study, approximately 61 % of women and nearly 47 % of men in India are deemed unhealthy due to their diet and sedentary lifestyle.
In India, the probability of an individual developing cancer during their lifetime is one in nine. Additionally, it is projected that the number of cancer cases will rise by 12.8 % in 2025 compared to the figures recorded in 2020.
As of 2021, India has the highest medical inflation rate among Asian countries, standing at 14%. Furthermore, it is anticipated that the medical inflation rate will experience an additional increase of 10% in 2023.
Approximately 14.3% of adults have mental health disorders among all diseases, highlighting its significance. Health insurance is vital for accessing comprehensive mental healthcare. Prioritizing mental health coverage in insurance policies is essential for effective support.
Heart disease remains a significant public health challenge in India due to factors like sedentary lifestyles, unhealthy diets, tobacco use, and stress. Preventive measures, early detection, and timely medical interventions are essential to address this growing epidemic.
Here is a list of different types of health insurance plans/policy.
This plan offers coverage to one individual/person. However, some insurers also allow the policyholder's spouse to be added to the policy and avail of insurance coverage.
Immediate family members (spouse, parents, children) can be insured under the Family Health Insurance. Here, insured members share the total sum insured of the policy.
This plan covers senior citizens, i.e., people above the age of 65 years. You can buy a dedicated Senior Citizen Health Insurance Plan for your elderly family members for adequate coverage.
Critical illnesses like cancer, stroke, kidney failure, major organ transplantation, heart attack, etc., are life-threatening diseases, and their medical treatment is quite expensive. You can get health insurance coverage for such specific diseases through the Critical Illness Insurance Plan. These plans are also called Fixed Benefit Health Plans, as you get a fixed lump sum amount in the case of an approved claim.
A group of people, for instance, a bunch of employees of the same company, can be covered under a Group Health Insurance Plan. Each member of this group has access to a fixed (separate/specific) sum insured. In some cases, the insured member can add their family members to the plan and share the allotted sum insured.
People who are already covered under a basic health insurance policy or those who can bear the medical expenses up to a certain threshold can opt for a Top-up Health Plan. It provides health insurance instant coverage beyond a fixed threshold known as a 'deductible' in insurance parlance.
| SPECIFICATIONS OF ACKO Health Plans | What do ACKO Health Plans offer? |
| Sum Insured | 1 Crore and Unlimited |
| Waiting Period | Zero Waiting Period. Coverage begins from Day 01 |
| Cashless Hospitalisation | 10,500+ Pan India Network Hospitals |
| Add-ons | ✅ Non-medical expenses ✅ Room rent waiver ✅ Doctor on call |
| Deductions on claims | Absolutely ZERO Deductions |
| Middleman commission | None, we cater directly to you |
| Pre-hospitalization Expenses | 60 days |
| Post-hospitalization Expenses | 120 days |
| Restore of sum insured | Allowed unlimited times |
| Covid-19 Treatment | Hospitalisation costs covered after 30 days |
| AYUSH Treatment | Requires minimum 24 hrs of hospitalisation |
| Tax benefits (80D) | ✅Yes |
| Quick claim settlements | ✅Yes |
| No Room Rent Cappings | ✅Yes |
| Health Insurance Portability | ✅Yes |
Health insurance should help you focus on recovery, not bills.
That’s exactly what our customers experience — no delays, no hidden surprises, just genuine support when it matters the most.
| SPECIFICATIONS OF ACKO Health Plans | What do ACKO Health Plans offer? |
| Sum Insured | 10 Lakhs, 25 Lakhs, 50 Lakhs, 1Crore |
| Cashless Hospitalisation | 10,500+ Pan India Network Hospitals |
| Add-ons | ✅ Non-medical expenses ✅ Room rent waiver ✅ Doctor on call |
| Deductions on claims | Absolutely ZERO Deductions |
| Middleman commission | None, we cater directly to you |
| Pre-hospitalization Expenses | 60 days |
| Post-hospitalization Expenses | 120 days |
| Restore of sum insured | Allowed unlimited times |
| Covid-19 Treatment | Hospitalisation costs covered after 30 days |
| AYUSH Treatment | Requires minimum 24 hrs of hospitalisation |
| Tax benefits (80D) | ✅Yes |
| Quick claim settlements | ✅Yes |
| No Room Rent Cappings | ✅Yes |
| Health Insurance Portability | ✅Yes |
Health Insurance Plans add-ons enhance the coverage of a regular health plan. So we have included some useful ones in the base health plan itself! Check those out below.
These expenses are usually not covered under a basic healthcare policy in India - for example, expenses for admission charges, surgical kits, syringes, etc., are not covered. But with our health plan, such non-medical expenses are also covered.
With the room rent waiver add-on, you can stay in any hospital room without worrying about how the additional charge will affect the claim amount. It won’t! Our health care insurance policy covers the full cost of room rent irrespective of its type.
Teleconsultations have gained prominence during the COVID-19 pandemic. It's easier to contact a doctor via phone call or a video call and get a remote consultation instead of personally visiting the clinic. Under this plan, we have added the doctor on call add-on where you can easily call a doctor and we will cover the cost.
We all are just recovering from a pandemic so in today's world, having a private health insurance policy is more important than ever. It's not just a luxury, but a necessity. With healthcare costs skyrocketing, having medical insurance policy is like having a safety net for you and your loved ones, protecting you from unexpected medical expenses. Let’s take a look at some reasons why insurance is important.
Hey, did you know that medical technology has come a long way? It can treat diseases that were once considered incurable. But the thing is, these treatments can be super expensive. That's where private health insurance in India comes to the rescue! It helps you cover those skyrocketing medical costs, so you don't have to worry about breaking the bank.
When it comes to our health, we all want the best care, right? Without insurance, it can be tough to afford top-notch medical facilities. But with insurance, you can access amazing medical health care without stressing over the expenses. Plus, it speeds up your recovery with cool coverages like pre and post-hospitalization. It's a win-win!
Life is full of surprises, and not all of them are pleasant. Medical emergencies can hit us when we least expect them, and they can be crazy expensive. Luckily, private health care insurance in India has got your back! It helps cover the costs of hospitalisation, surgeries, and other treatments. So, you can focus on getting better without worrying about the money.
Having private health insurance in India gives you access to a network of medical health care providers and hospitals. You can choose a health insurance scheme that allows you to see your preferred doctor, or you can opt for a plan that provides coverage for a wider range of providers. It's all about having options and flexibility when it comes to your healthcare needs.
Taking care of your health is super important, and insurance plays a role in that too. When you have coverage, you're more likely to seek preventive care, like regular check-ups and screenings. This can lead to early detection of health issues and timely intervention, ultimately improving your long-term health outcomes. It's all about being proactive and staying on top of your well-being.
You know that feeling when you have a safety net in place? That's exactly what insurance provides. Knowing that you have coverage can give you peace of mind, knowing that you and your loved ones are protected in case of a medical emergency. It's like having a guardian angel watching over your health.
Have you noticed how common chronic illnesses like diabetes, heart disease, and renal ailments have become these days? It's pretty alarming, right? That's why it's super important to get yourself some comprehensive insurance coverage. It's like having a safety net that covers you in case anything unexpected happens. You don't want to be caught off guard with those crazy medical bills. So, take the smart step and make sure you have the right insurance to protect yourself and your loved ones from the uncertainties of life. It's all about staying prepared.
Buying health insurance in India not only protects your health but also gives you some tax benefits. The government is encouraging everyone to have health coverage, so they've made it even more appealing. Under Section 80D of the Income Tax Act (under the old tax regime), when you pay your medical insurance premium, you can actually save some of that hard-earned money by reducing your taxable income. It's like a win-win situation – you're taking care of yourself and your loved ones, and the government is giving you a little tax break as a thank you. So, not only will you have peace of mind with insurance, but you'll also have a little extra cash in your pocket.
India's medical inflation has been on the rise. According to the Ministry of Statistics and Programme Implementation (MOSPI) report, medical inflation in 2021 was at 14%, and PwC's Health Research Institute (HRI) report predicts a 6.5% increase in medical costs in 2022.
Mediclaim policy in India can help reduce the impact of medical inflation on your finances and out-of-pocket expenses, especially with features like Inflation Protect and Zero Deductions at Claim.
| PARAMETER | ACKO INFLATION PROTECT | NO CLAIM BONUS |
| Sum Insured | Every year irrespective of claim in previous year | Only if you did not claim in previous year |
| Upper limit on Sum insured | Capped at 100% | Capped at 50-100% |
| Increment % | 10% fixed increment every year | Resets to zero if you claim and then starts again |
Discover your ideal online health insurance policy with ACKO's Platinum and Super Top-up Plans, which offer multiple sum insured options for complete coverage. Our plans are designed to provide comprehensive protection to suit your unique medical insurance needs
At ACKO, we offer the 10L Standar Health Insurance Plan, which offers a sum insured of Rs. 10 lakhs. In the event that you (or a covered family member) need medical care, this 10L Medical insurance policy with a sum insured of Rs. 10 lakhs can provide enough financial support.
ACKO Platinum 10L Super Top-up Health Insurance Plans are specialised health policies that can be purchased with or without primary medical insurance plans. These insurance policies provide coverage above the selected deductible.
The days of opting for an additional policy to supplement your health insurance coverage are over! You don’t need to ever worry about buying a separate policy. ACKO’s 25L Health Insurance Plan, covers all your medically necessary hospitalisation, and includes a lot of other benefits.
Planning to Switch? Our Super Top-up Health Plan will continue to provide insurance coverage even if you change jobs, and don’t get Group Medical Coverage from the new employer.
Even your non-medical expenses are covered under this plan. Plus, you have access to multiple teleconsultations with our Rs. 50 lakhs health plan whenever you need to speak with a doctor.
Sweeten the deal by increasing your total sum insured by Rs. 50 lakhs Super Top-up plan, and get access to multiple additional benefits like Zero deductions at claim; and Zero Waiting period.
1 crore health insurance plan is designed to cover you from day one without any waiting period. We want to keep you stress-free about insurance so that you can focus on your health.
The 1 crore health insurance plan is designed to cover you and your family against unexpected medical emergencies with high sum insured.
Expect limitless coverage with truly unlimited health insurance benefits without any caps on the sum insured amount. We will cover an approved claim no matter how large the expenses are.
Arogya Sanjeevani Policy by ACKO is a basic and straightforward health plan. Get it if you wish to secure yourself and the loved ones from unforeseen costs at an affordable medical insurance premium. It is perfect for someone looking for a plan that fits their budget and meets insurance requirements.
The Corona Kavach Policy by ACKO is designed to secure your family against soaring COVID-19 medical costs. If you wish to buy an indemnity-based health policy in India to cover medical expenses due to COVID-19 treatment, ACKO's Corona Kavach policy is an option.
It's super important to compare health insurance plans online before you make a decision. Why? Well, you want to make sure you get a plan that ticks all the boxes for your specific needs. By comparing plans, you can find the one that gives you the best health insurance quotes without sacrificing any important features, benefits, or services. It's all about making sure you get the most bang for your buck and find the perfect fit for you. So, dive into the world of plan comparisons and find free medical insurance quotes that's tailor-made just for you!
Whether you're young and healthy, managing a family, or watching your budget — there's a health insurance plan that's just right for you.
Let's consider the case of Mr. Sharma, a 35-year-old individual who is looking for a health insurance plan within a limited budget. He wants some level of protection against medical costs but is conscious of the premium he can afford. In this scenario, the ACKO Standard Plan with a coverage amount of Rs. 10 lakhs can be a suitable option for him.
We suggest opting for Rs. 10L ACKO Standard Plan. This plan can be a practical choice for individuals who are conscious of their budget and want to have some level of protection against medical costs. It provides them with a safety net, even if the coverage amount is relatively lower compared to higher sum insured plans.
Let's take the example of Ms. Patel, a 30-year-old individual who considers herself to be in good health and has never faced any major health issues. She believes that since she is healthy, there is no immediate need for health insurance.
Buying health insurance when you are in the pink of your health is the best time. This is when you can get private health insurance in India at a cheaper rate and with more coverage options. We suggest you go for our Rs. 10L ACKO Standard Plan. This plan will ensure that you get the full claim amount in case of an accident or a health issue.
Let's consider the case of Mr. Kumar, who is covered by his employer's health insurance plan. The employer's plan provides coverage for certain medical expenses but has a limited sum insured. Mr. Kumar is looking for additional coverage to create a backup and ensure adequate financial protection.
Great! You can top it up with our 10L ACKO Platinum Super Top-up Plan. Use your employer’s coverage for smaller expenses and the extended coverage from ACKO if you need more sum insured. This can be an excellent strategy to create a backup.
Let's consider the example of the Singh family, which consists of Mr. Singh, Mrs. Singh, and their two children. They are looking for a health insurance plan that can provide adequate coverage for all family members in case of medical emergencies.
Owing to more members you can buy our health insurance plan with Rs. 25L sum insured to ensure financial protection in case of medical emergencies.
Let's consider the case of Mr. Desai, who has a history of health issues and wants to secure a health insurance plan that provides comprehensive coverage for his specific needs.
Consider plans with high sum insured, i.e., Rs. 1 crore, or the Unlimited ACKO Platinum Plan. Opting for a high sum insured ensures that you have the necessary financial protection to tackle the medical expenses associated with serious medical conditions, effectively.
Let's consider the case of Ms. Gupta, a salaried individual with a stable income. She is looking for a health insurance plan that provides financial coverage for unforeseen medical expenses and also offers tax benefits.
If you have a stable income, a health insurance plan with a sum insured of Rs. 10 lakhs would be suitable to ensure financial coverage in the event of unforeseen medical expenses and get tax benefits.
Inclusions are among the most important aspects of a Health insurance Plans. They help you understand the scenarios when you can raise a claim against your policy. Here are the typical inclusions or coverages you get when you buy health policy. However, this may vary for different health policies.
Minor surgeries like cataract removal, tonsil removal, or similar procedures that require less than 24 hours of hospitalisation are covered under daycare procedures.
Some surgeries or medical issues necessitate treatment before hospitalisation. The cost of such treatments can be claimed under health insurance as per the policy's terms and conditions.
The cost of follow-up treatment is covered under individual health insurance policies as per the policy's terms and conditions.
The cost of receiving treatment at home can be covered under specific circumstances for a predetermined number of days.
The cost of medical treatment related to donating an organ is covered as per the policy's terms.
The cost of hiring an ambulance for transportation to the hospital will be borne as per the policy's terms and conditions.
The cost of availing Ayurveda, Unani, Siddha or Homeopathy (AYUSH) treatment can be claimed as per the policy document.
Insurance coverage for newborn baby as per the policy's terms.
This is generally an add-on cover. This amount can be used to buy medicines or other essentials required by you.
The cost of treating intentional injuries, including attempted suicide, is excluded from the policy when you buy insurance.
Injuries arising from participating in adventure sports are not covered.
Medical attention required due to participating in criminal activity is not covered.
The cost of cosmetic and dental surgeries, unless required due to an accident, is excluded when you buy insurance.
Mediclaim policy in India generally does not cover the cost of infertility treatment.
Any other medical treatments/surgeries that are not mentioned in the policy document will not be covered.
Let's make sure you're covered and worry-free! These are our basic eligibility criteria.
People above the age of 18 years can buy the ACKO Platinum Health Insurance plans for themselves and their family members.
Currently we only cover Indian nationals. So if you reside in India, our plans are available for you and your loved ones.
Note: It is mandatory for members over 18 years to undergo medical screenings when they buy health insurance. We call these tests Per-Policy Medical Checkup (PPMC). They are completely free.
Here are some key considerations that you should keep in mind before purchasing an insurance policy.
You can use a health insurance premium calculator to know the approximate cost of the policy. It is a free-to-use digital tool available on a health insurer's website. It uses factors like the type of plan, add-on covers, health conditions, age, etc., to determine your payable medical insurance premium. Here are the steps to calculate health insurance rates using a calculator.
Visit www.acko.com, navigate to the health insurance section and enter information like your age, gender, etc.
Decide how many individuals you wish to insure, how much coverage you need, and which add-ons you want to buy.
Select the coverage and click "calculate" to view the payable medical insurance premium for the chosen cover.
Here are the factors that influence health insurance premium calculation.
Ah, the age factor! It plays a role in determining the full health insurance coverage cost for your ACKO Platinum Insurance Plan. As you might expect, the older you are, the higher the medical insurance premium. It's all about taking into account the life experiences and wisdom that come with each passing year.
At ACKO, we've got you covered with different sum insured amounts. You can choose from Rs. 10 lakhs all the way up to an unlimited amount. The sum insured you select will have an impact on your health insurance rates. So, whether you're aiming for a modest coverage or want to go all out, we'll tailor the premium to match your needs.
Where you live matters too! We consider your residence location while calculating the premium. You see, the health plan premium of medical treatment can vary across India. So, whether you're in a bustling city or a serene rural area, we'll take that into account. It's all about ensuring fairness and reflecting the reality of healthcare costs where you call home.
Family matters! Our ACKO Platinum Plans are Family-floater health plans, meaning you can protect yourself, your spouse, parents, parents-in-law, and up to four children under our insurance plans. Just keep in mind that the more members you include, the higher the policy premium. It's all about looking out for your loved ones while considering the impact on your premium.
Your health is our priority, so we take it seriously. When you buy an ACKO Platinum Plan, we may ask for a Pre-Policy Medical Check-up (PPMC) to understand your current health status. It's important to disclose your medical history too. The health insurance rates will depend on your current and past medical history. Rest assured, we're here to support you and offer the best deal and health insurance instant coverage that fits your unique situation.
You can add up to ten members to your ACKO Platinum Health Insurance Policy, including two adults, two parents, two parents-in-law, and up to four children when you buy health insurance in India. The policy is available to individuals above 18 years of age, with dependent children aged between three months to 25 years being eligible.
| Eligibility Criteria | Allowed under Platinum Plans |
| Insured members | 10 Members |
| Policyholder’s age | 18 years and older |
| Dependent spouse’s age | 18 years and older |
| Dependent children’s age | 3 months - 25 years |
| Parents | 2 members |
| Parents-in-law | 2 members |
You get several advantages when you buy health insurance policy in India at an early age. Here are a few.
Hey, here's a cool perk! When you buy health policy early, you're likely to snag lower premiums. Insurance companies take age into account when customising health insurance quotes. So, since you're starting at a lower risk profile, they'll offer you sweet deals compared to those who wait until later in life.
You know what's awesome about being in your 20s? Generally, you tend to have fewer health issues compared to thirty-somethings. That means your chances of getting comprehensive coverage are higher, with little or no pre-existing conditions to worry about when you buy medical policy. It's like a head start on securing a solid insurance plan.
Let's talk about waiting periods. Mediclaim policy in India often has them, and you can't make claims during that time. But guess what? Buying insurance early means you're less likely to raise a claim compared to someone who buys it later in life. That makes it easier to breeze through the waiting period and enjoy the full benefits of your coverage.
Nobody wants their health insurance application rejected, right? Well, good news! The chances of that happening are lower when you're younger. Insurers might be more hesitant if you have significant pre-existing conditions, but when you're in your younger years, you're generally at a lower risk. So, your chances of getting that coverage you need are pretty good!
Picture this: you buy health insurance early, and your insurer rewards you with awesome coverage options. Sounds cool, right? Well, it's true! Insurance companies may offer more comprehensive coverage when you start at a younger age. Think about common health issues like diabetes, high blood pressure, or cataracts. They're more likely to be included because you're seen as less risky to insure. It's like getting extra perks just for being proactive about your health!
Also read: Top health insurance companies in india
Let’s do a good vibe check by deep diving into our Health Insurance Plans and what you will get when buying our plan.
| KEY FEATURES | ACKO ADVANTAGE | Meaning |
| Co-pay | 0% | When we say we have 0% copay, we mean that we will bear the full cost for a covered medical treatment and you don’t have to make a partial payment. |
| COVID-19 treatment | Up to your Sum Insured | All COVID-19-related (any variant) hospitalisations are covered. |
| AYUSH treatment | Up to your Sum Insured | AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy) treatments that require overnight hospitalisation are covered. |
| Teleconsultations (Through ACKO app) | Up to your Sum Insured | Teleconsults with General physicians or Specialists are covered, as long as you initiate the teleconsult from the ACKO app. |
| Preventive health checkup | Annually (for insured members above the age of 18 years) | 1 annual health check-up for all insured members above 18 years is covered. You can visit a lab of your choice and get a preventive health checkup done. |
| Inflation protect | Annual sum insured increases by 10% | With this feature, you get something better than NCB (No Claim Bonus). Here, your sum insured will be increased by 10% every year, regardless of whether you raise a claim or not. |
| Pre-hospitalisation | (up to 60 days before) | All costs associated with your medical condition (e.g., doctor's visit, lab tests, medicines) in the days leading up to your hospitalisation are covered. Most insurers will only cover a few days before hospitalisation. |
| Post-hospitalisation | (up to 120 days after) | All costs associated with your medical condition (e.g., doctor's visit, lab tests, medicines) after discharge from the hospital are covered. Most insurers will only cover a few days after hospitalisation. |
| ICU fees | Up to your Sum Insured | All ICU fees are covered. |
| Ambulance charges | Up to your Sum Insured | All charges to transport the insured members to the hospital (via roadways) are covered. |
| Day-care treatment | All treatments covered up to your Sum Insured | All hospitalisations that last less than 24 hours (as long as they are medically necessary) are covered, for example, Cataract, Coronary angiography, Haemodialysis, Chemotherapy, Ligament tear/meniscus tear surgery, and Radiotherapy (for cancer). |
In today's digital age, you can easily apply for health insurance online. So, why is everyone going gaga over online health insurance? Well, let us break it down for you. Here are some of the perks you get when you buy health insurance online.
Wanna know the coolest part about buying health insurance online? You can compare plans from different providers right there on your screen and get free medical insurance quotes. It's like having all the options laid out for you to see. You can check out medical insurance premiums, deductibles, coverage limits, and more. It's all about finding the plan that fits your needs and budget like a glove. No more guesswork!
Let's talk about ultimate convenience! With mediclaim policy online, you from the comfort of your PJs. No need to step out or rush to an insurance company's office. You can do it all, right from your couch or desk. It's like having a virtual insurance store open 24/7 just for you. Time-saving and hassle-free. That's the way to go!
Saving money? Yes, please! Buying health insurance online can actually be cheaper than going through an agent. You know why? Because it cuts out the middleman's commission. Plus, many insurance companies offer exclusive mediclaim policy online deals and discounts. So, you not only get the coverage you need, but you also keep more money in your pocket. It's a win-win!
We've got your back when it comes to making things super easy. We have user-friendly mediclaim policy online platforms that are a breeze to navigate. It's like having a personal assistant guiding you through the process. You can view policy details, explore additional resources, and get all the info you need to make a smart decision, on your phone. It's all about simplicity and clarity.
No hidden surprises here! Buying health insurance online gives you the gift of transparency. You can easily access all the nitty-gritty details of the policy, like coverage limits, exclusions, and benefits. It's all right there on our website for you to see and review. So, you can make an informed decision without any guesswork. Transparency is key!
We're really excited that you're interested in purchasing our health care insurance policy! It's an important step towards protecting yourself and your family. We want to express our gratitude for considering us as your trusted insurance provider.
Buying our mediclaim policy online is simple and convenient. Just follow the steps below, and we'll ensure you get the best health insurance coverage in India. Let's embark on this journey together and secure a healthier future for you and your loved ones!
Visit the platform: Visit www.acko.com or download the mobile app.
Share details: Enter a few details such as your age, dependent’s details, and some other personal information to get a health insurance quote.
Processing: Once you buy the plan, we will take a few days to process the request.
Policy Issuance: We issue the policy as soon as the processing is completed. Note that your coverage begins from the date of purchase, so don’t worry about the processing time.
To get an insurance policy, below is the list of documents required.
This can include a Driving Licence, Voter ID, Passport, Birth Certificate, etc.
You will need to provide a PAN card, Passport, Driving Licence, Voter's ID, or other similar identification documents.
You may need to submit documents such as a Ration card, Passport, Voter's ID, Aadhaar card, bank statement, telephone/electricity bill, etc. to prove your address
In some cases, you may be asked to undergo a medical check-up and submit the report to the insurer.
Note: The exact set of documents may vary depending upon the nature of claim.
Now let’s discuss claims, which is the whole point of buying health insurance. We will try to keep it simple.
Health insurance claims are requests you make to your insurance company to cover the costs of medical treatments. Remember that you can only claim against things that are covered in your insurance plan. So it's very important that you know what is covered and what is not.
Usually there are two ways in which you can claim.
In a cashless claim, the insurer will pay the hospital bill. In a reimbursement claim you first pay the bill, and then raise a claim to get back the money you paid.
These are hospitals where raising a cashless claim is possible. In a non-network hospital, you must pay the bill and get a reimbursement from us. So, when you buy health insurance, it becomes necessary that you are aware of the list of network hospitals to avail a cashless claim. See the full network hospital list →
Raising a claim against your ACKO policy is very easy. You can do it by logging into your ACKO account through the website or ACKO app. Now open the active policy and click on “Get cashless treatment” or “Get a reimbursement”. Follow the instructions and done! Claim raised.
Below is the list of documents required while raising a claim with your medical insurance provider.
You can look after your family at
Max healthcare
Manipal hospitals
Fortis hospital
Apollo hospitals
Narayana hospital
Aster Hospitals
Here are the steps to follow if you wish to download the physical copy of your medical care insurance policy in India.
Scroll up to the top and log in to your ACKO account. Use the registered mobile number to generate the one-time password.
Click on your health insurance policy to open it.
Click on download and take a printout.
Gone are the days when you had to keep the hard copy of your health insurance policy handy. Now, you can access it anytime by simply downloading it from your ACKO account. Here is how.
Steps to download your ACKO Health Insurance Policy.
Scroll up and click on the Login button to access your ACKO account.
Open your health insurance policy and click on download.
Alternatively, check the inbox of your registered email address for the policy and download the attachment.
You must renew your health insurance policy if you want uninterrupted medical coverage. The renewal process offers you a chance to assess the existing coverage and update the policy as well.
The contactless online method appears to be the ideal choice for renewing health insurance coverage in light of the recent pandemic. Here are steps to renew a medical plan online.
You will get a renewal-related email reminder before policy expiry.
The payment link for policy renewal will be included in the email. To make the payment, just click the link.
After making your payment, you will receive your renewed insurance plan shortly.
Yes, most health policies cover coronavirus treatment; however, please check the applicable policy wordings to confirm the same. IRDAI has directed all general insurers to offer coverage for coronavirus treatment through health plans.
Mediclaim insurance is essential. Thus, the Government of India encourages everyone to buy the best health insurance plan by offering tax benefits on the premium paid under Section 80D of the Income Tax Act, 1961.
Apart from receiving all the health insurance benefits provided by the policy, you can also save a significant amount of tax on the premium. To save tax on health policies, produce an insurance certificate while filing tax for the current assessment year. Then, you will receive tax benefits (as per the prevailing tax regulations) depending upon the number of insured members under the health plan.
You can save additional tax by opting for a preventive health check-up during the corresponding assessment year. By doing so, you receive a dual benefit — the latest status update of your health and an additional tax benefit. The tax deduction will be under Section 80D of the Income Tax Act.
Here is a list of the three most popular medical insurance myths that some people believe are true. But in reality, they are just myths and should not be considered to be true.
Some people prefer buying medical insurance schemes using the traditional method—through intermediaries or by visiting an insurance company, as they might distrust online insurers. However, each insurance company (whether online or offline) must be registered with the Insurance Regulatory and Development Authority of India (IRDAI). You must cross check their registration number on the IRDAI website before purchasing insurance. By the way, ACKO’s IRDAI registration number is 157!
Usually, health insurance products cover pre-existing diseases after a certain waiting period. However, under ACKO Health Insurance Policy, we cover pre-existing conditions from day 01. We bear the treatment costs with zero deductions on an approved claim. All you have to do is tell us about your medical history and disclose any pre-existing disease (if applicable) while buying the plan.
Under ACKO Health Insurance Policy, you get coverage for daycare procedures, emergency transport, and also pre and post-hospitalisation. These coverages are not limited to hospitalisation and extend to other medical treatments as well. So under our health insurance scheme, you can make a claim against an inclusion even if it is not related to hospitalisation.
The rising demand for Health Insurance can be attributed to the efforts of the new-age insurers to expand insurance accessibility, enhancing simplicity and transparency. And, this has led to the adoption of disruptive technologies to stay ahead of the competition Read more.
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Health insurance is not just a safety net for unexpected medical expenses; it's also a smart financial move that can help you save on taxes. Understanding how to leverage Section 80D of the Income Tax Act can ensure that you make the most out of your health insurance policy while optimizing your tax savings. Read more
The health and life insurance sectors are undergoing massive digital disruption. From AI-led automated underwriting to telemedicine platforms, insurers are embracing new-age technologies at scale to drive efficiency, personalisation and superior customer experiences amid evolving consumer expectations. Read more
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Health insurance protects you against medical costs, but when combined with a 1 crore term life insurance coverage, your loved ones are fully protected financially. In the event of unforeseen circumstances, a term insurance policy gives your beneficiaries a sizable payout, enabling them to preserve their financial stability.
By securing both health and life insurance that suit your needs, you create a comprehensive strategy to safeguard your family’s health and financial future. Remember that selecting a good life coverage policy depends on what you need, your age, income, future goals and more. Using an online term life insurance calculator can make this process easier and help you make informed decisions.
Have queries related to ACKO’s Health insurance policies? Refer to our Policy Wordings for detailed information or reach out to us via email or phone using the information below
Call us on 1800 266 2256
Select Language: English Hindi
Health Disclaimer: *Except for exclusions like maternity benefits, undisclosed diseases, etc. Please check policy wording for more details.
**In case the pre-existing disease surfaces after a policy is issued. However, at the time of claim, if it is found that the policyholder did not disclose any known pre-existing diseases while buying the policy, the claim may get rejected.
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Reviewed by Rupinderjit 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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