DISCLAIMERS

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.

Zero Commission is only applicable for policies purchased through Company’s Website and Mobile app.

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

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.

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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.

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. ​​​​

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.

Acko platinum & standard health plans are sold under Product: Acko Personal Health Policy, UIN: ACKHLIP25035V022425. This product needs to be read in conjunction with the policy wording.

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.

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 

Family Floater (1A+1C): This plan is for a family of self with the age of 24 years and dependent child with no present/past medical conditions with an insurance coverage of 5 Lakhs. The annual premium for this plan would be INR 3601 (or INR 300 monthly).

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

Coverage at as low as Rs.29/- per day 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.

Rs.538/- premium is for Two-Wheeler not exceeding 75 cc

Rs.1780/- is for EV private car Not exceeding 30 KW

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. 

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."

7 minutes fastest claim settled is for the Auto insurance product

^99.10% claim settlement ratio is for Motor OD (Private Car+ Two wheeler) for FY 2023-24

^99.30% claim settlement ratio is for Motor OD (Private Car) for FY 2023-24.

^98.40% claim settlement ratio is for Motor OD (Two Wheeler) for FY 2023-24

"Cashless garages - 3600+" The above numbers are inclusive of both car and bike.

Cashless claim settlement at the choice of your GST-registered garage is  subject to acceptance of the garage and excluding blacklisted and fraudulent  workshops.

Save upto Rs. 40,000 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. Offer valid till 31st January, 2025.

Save Rs. 75000  has been calculated on IDV of 3476400, 0% NCB and select add-ons. Amount saved is in comparison to Acko's F&U filing. Offer valid till 31st January, 2025.

Save Rs. 65000  has been calculated on IDV of 3094800, 0% NCB and select add-ons. Amount saved is in comparison to Acko's F&U filing. Offer valid till 31st January, 2025.

*Save up to 85% is valid on Car Own Damage premium only. The discount varies basis vehicle specifications, No Claim Bonus discount and Geography of the vehicle to be insured and the percentage saved is in comparison to Acko's F&U filing.