DISCLAIMERS

This website (www.acko.com) is an official website of ACKO General Insurance Limited (ACKO), having its registered office at 2nd Floor, #36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102.

Products and Addons available on the website are underwritten by ACKO.

For more details on the risk factors, terms and conditions, please read the policy wordings available on www.acko.com carefully before concluding the sale.

Discount is not applicable on Motor Third Party premium

Goods & Service Tax is applicable as per governing laws, and the same shall be borne by the policyholder. ACKO reserves the right to recover from the Policyholder any levies and duties (including service tax), as imposed by the government from time to time.

Issuance of policy shall be as per the board-approved underwriting policy and at the discretion of ACKO.

Commencement of risk cover under the policy is subject to receipt of premium by ACKO.

94.54% claim settlement ratio is for the financial year 2022-23

^96.2% claim settlement ratio is for Motor OD Car for FY 2022-23

12 minutes fastest claim settled is for the Auto insurance product

> List of Products Offered

> List of Products Withdrawn

Prohibition of Rebates – Section 41 of the Insurance Act, 1938, as amended by Insurance Laws (Amendment) Act, 2015.

No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer.

Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees. ​​​​

Your browsing and/or using of this Website is subject to all applicable laws, and you agree to the following:

By accessing and browsing the Website, you accept the Terms and Conditions and Privacy Policy of ACKO.

The information contained in this web site is solely for providing information about ACKO to interested parties and is not in any way binding on the Company.

You hereby confirm that all premiums have been/will be paid from bonafide sources and no premium have been/will be paid out of proceeds of crime related to any of the offence listed in Prevention of Money Laundering Act, 2002

Decisions to purchase any policy/product of ACKO will be based solely on your independent evaluation of the policies/products of ACKO and your need for the same.

The materials and/or information available or obtained at/through this web site is/are not guaranteed or warranted in terms of completeness, correctness, accuracy, reliability or otherwise howsoever by ACKO or its directors or employees.

The product information given on this web page is only indicative in nature and do not constitute the entire terms, conditions and exclusions of the Policy. For further detail please refer to policy wordings.

Your information that ACKO has received from any online advertisement will be used to contact you for the stated purpose of the advertising overriding any DNC registration made by you.

This Website may contain links to other websites, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked website, unless specifically stated. We are not responsible for examining or evaluating, and we do not warrant the offerings of, any businesses or individuals or the content of their websites.

Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. This website makes use of cookies to monitor visitor sessions. No personal information is stored in the cookie that is issued by the site. The value stored in the cookie is an anonymous identifier, which is not linked to any other personal information you may give us during your visit. If you do not wish to receive these cookies you can disable them in your browser, though doing so may affect the functionality of our website.

The option to pay ₹0 for hospital bills applies to the base plan, while for top-up plans, it is applicable beyond the deductible amount.

According to livemint.com in 2023, the #ACKO platinum health plan has been rated as the No. 1 health plan.

The premium of Rs.20 per day has been calculated for a Family Type 1A, Zone 2, with an age of 25, a sum insured (SI) of 10L, and a deductible of 5L.

Acko platinum & standard health plans are sold under Product: Acko Personal Health Policy, UIN: ACKHLIP23114V012223. This product needs to be read in conjunction with the policy wording.

Private Car Policy Bundled | IRDAN157RP0014V02201819 | Save up to Rs. 36,000 has been calculated on IDV of 20,00,000, 0% NCB, and select add-ons. Amount saved is in comparison to Acko's F&U filing.

Premium starting at Rs. 457 is for Two-wheeler EVs not exceeding 3 KW

For health insurance only: *Tax deductions under Section 80D is as per applicable provision of the Act (including any amendments thereto) and are subject to changes in the tax laws.

For Bike Insurance: *555/- has been calculated on the IDV of 20,000 and 50% NCB not exceeding 75 CC. The amount saved is in comparison to Acko's F&U filing.

INR 2094* - Premium is for ‘Private Car Liability Policy’ not exceeding 1000 cc.

Claims settled worth over Rs. 350 crores from April 2022 to March 2023 for Health LOB.

"Save upto Rs. 36,000 has been calculated on IDV of 20,00,000, 0% NCB and select add-ons. Amount saved is in comparison to Acko's F&U filing."

Understanding Your Insurance Premiums: A Guide on Acko Platinum and Arogya Sanjeevani Plan Premiums

Acko Platinum Plan

The Acko Platinum Plan provides different premium rates based on the family or individual structure. Please note that all these premiums do not include GST.

Individual (1A): For a 25-year-old individual living in Zone 2 with an insurance coverage of 10 Lakhs and a deductible of 5 Lakhs, the base annual premium is 6564 (or 547 monthly). The top-up increases the annual premium to 1547 (or 129 monthly).

Couple (2A): For a couple of the same age, residing in the same zone with identical insurance coverage and deductible, the base annual premium is 11,121 (or 927 monthly). Including the top-up, the total annual premium becomes 2,579 (or 215 monthly).

One Adult and One Parent (1A+1P): In a family unit consisting of an adult (25 years old) and a parent (46 years old), residing in Zone 2 with insurance coverage of 10 Lakhs and a deductible of 5 Lakhs, the base annual premium is 16,422 (or 1,369 monthly). With the addition of the top-up, the annual premium becomes 4,171 (or 348 monthly)

Arogya Sanjeevani Plan

The Arogya Sanjeevani Plan is structured for individuals. Please note that the premium excludes GST.

Individual (1A): This plan is for a 20-year-old individual with an insurance coverage of 5 Lakhs. The annual premium for this individual would be 2,626 (or 219 monthly).

Coverage from day 1 is subject to disclosure of pre-existing conditions and underwriting.

For Healthians users only: The reimbursement would be the health check-up cost or Rs.1500, whichever is lower.

Medical test: Additional medical test might be required based on the disclosures made in buy journey and during the tele medical call

For 100% hospital bill settlement- We would cover all expenses for hospitalization up to available sum insured, which do not fall under the purview of underwriting waiting period and are covered benefits as specified in the policy schedule and not part of permanent exclusions as per policy terms and conditions, subject to

Spend is medically necessary

Spend is reasonable standard charge for the specific provider and consistent with the prevailing charges in the geographical area for identical or similar services for the illness/injury involved

Evidence (payment and service utilization proof) of quantum of loss are submitted.

*98% claim settlement ratio is for Health LOB for FY 2022-23.

ACKO Corporate Policy Coupon Calculation Logic

Total value of discounts will be the sum of absolute values as mentioned below.

a. In the later phase of % discount we will calculate premium using Auto Insurance API using the registration number.

2. Term Life Insurance will have a 10% discount on premium value based on the rules in the discounting engine of Life

a. Premium gets calculated as per Life pricing grid and assumptions

3. Health Insurance will have 25% discount on premium value based on the rules in the discounting engine of Health

a. Premium calculated via Health Insurance API using

4. Acko drive will have 5000 INR off. 

ACKO International Travel Insurance

**₹10 per day - Baggage cover for Asia costs ₹49 for up to 5 days.

Coverage at as low as Rs.29/- excluding GST is for an Individual with a Sum Insured of $25,000/- ( specific to Asia & it is for Medical Cover)

Adventure sports injury is sold as an add-on with 'ACKO International Travel Insurance' which is offered to every applicant in the purchase journey. Only customers who bought the add-on cover will be offered this benefit. 

IRDAI Registration No.: 157 | CIN: U66000MH2016PLC287385

Reg office: 2nd Floor, #36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102.

Phone: 1860-266-2256 | Email: [email protected] | Website: www.acko.com

Trade Logo displayed above belongs to ACKO Technology & Services Pvt Ltd. and is used by ACKO General Insurance Ltd under license.