Arogya Sanjeevani, Acko

Plans starting from Rs. 2,399/year*

IRDAI approved standard health plan that covers COVID-19 treatment

Cashless hospitalisation for covered illnesses and accidental injuries in 5000+ hospitals

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*price is for 19yr old person, buying plan for self only. Including GST

What’s covered?

Covers COVID-19 Treatment

Hospitalization costs for COVID-19 will be covered 30 days after the start date of the policy

Save Taxes upto Rs. 25,000

Premiums paid are exempt from income tax under Section-80D

Cashless Claims at 5000+ Hospitals

Avail cashless claims at any of our 5k+ network hospitals

See Acko’s network hospitals

Broad Coverage

Hospitalization expenses due to accidents and illnesses are covered

See inclusions and exclusions

Just 5% co-pay

Acko will pay 95% of the admissible claim amount, you only need to pay 5% out of your pocket as copay for any claim


ICU and ICCU charges are covered up to 5% of sum insured or Rs. 10,000 per day, whichever is lower

Room Rent Limit

Hospital room charges will be covered up to 2% of the sum insured or Rs. 5,000 per day; whichever is lower

Pre-existing Illnesses

Some pre existing conditions have a 48 month wait period before coverage. Renewing your policy for four years in a row will complete the 48 month wait period

See the complete list of covered illness

No Claim Bonus

Your sum insured will increase by 5% up to a maximum of 50% for every consecutive claim free year

Lifetime Renewability

We will not deny you the renewal of the policy and you can avail the benefits with timely renewal every year

Pre and Post Hospitalization

Medical expenses 30 days before and 60 days after any 24 hour or longer hospitalisation event are covered

Day Care Treatments

Some surgeries and treatments that require less than 24 hrs of hospitalisation are also covered

See the complete list of covered treatments

New Age Treatments

Some new age treatments are also covered.

See the complete list of covered treatments

Ambulance Charges

You can claim up to Rs. 2,000 against ambulance charges once for each hospitalization

Example: If you get hospitalised 2 times during the policy period, you can claim up to Rs. 2,000 for ambulance charges for each of those events

Cataract Surgery

Cataract treatment costs for each eye is covered after two years from policy start date. The coverage is up to 25% of the sum insured or Rs. 40,000; whichever is lower

AYUSH Treatment (Ayurvedic)

Hospitalization expenses under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment are covered in this policy

Dental & Plastic Surgery

Dental treatments or plastic surgeries due to accidents or diseases are covered

Insure yourself and your family now with Arogya Sanjeevani Policy

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Frequently Asked Questions
What is ‘Arogya Sanjeevani’? Is it a government sponsored insurance policy?
Do I need a medical test to buy this policy?
Can I claim Tax Benefits with Arogya Sanjeevani health policy?
Can I buy this policy only for my children?
Can I make cashless claims with this policy?
What is the meaning of ‘waiting period’?



IRDAI Registration No:



Non-Life Insurance

Arogya Sanjeevani Policy, Acko General Insurance | 



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