Insurance Company
Acko General Insurance
Policy Name
Personal Health Policy - Standard
Expert Overview -
Acko General Insurance was founded in 2016 as a digital-first insurer. In a short span, it has expanded its health insurance offerings with a technology-driven approach to policy issuance and claims.
Plan Strategy -
Comprehensive health insurance plan offering zero out of pocket expense
Network Hospitals
11,500+
>8,500 recommended
Claim Ratio
96.3%
>95% recommended
Complaints
18.983
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
No room rent capping
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
No sub limit applicable
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
10% no claim bonus annually upto 100%
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
No restoration benefits
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
60 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
180 day
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables covered
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Enhanced Coverage
Key Add Ons Available
Addons- Non-medical expenses,Room rent waiver,
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
