Dosto Aaj kal India me health insurance lena luxury nahi, zaroorat ban gayi hai. Medical costs har saal 20-30% bad rahe hain — ek chhoti surgery bhi lakhon me padh jati hai, to eski need puri krne ke liye market me aaya hai Acko Health Insurance.
Isi liye log Google pe search karte hain:

• best health insurance plans India 2025
• affordable health insurance online India
• family health insurance plan India
• zero waiting period health insurance

Aur jab digital companies jaise Acko Insurance ne online buy karne ka option diya, toh convenience aur transparency bhi aayi.

Aaj is blog me hum baat karenge Acko Health Insurance ke baare me — uske benefits, premium, waiting period, claim process, aur final review ke sath.

Acko Insurance Company Background

Acko General Insurance ek Indian digital insurer hai jo pure online model pe kaam karta hai.

• Founded in 2016 by Varun Dua.
• Focus: car, bike, travel aur health insurance.
• No agents, no paperwork – sab policy aur claim process mobile app se.
• Currently covers 11,500 + network hospitals for cashless treatment.

Digital model ka benefit ye hai ki premium low rehte hain aur claim settlement fast hota hai.

Acko Health Insurance Ke Top Features

Feature	Detail

Zero Waiting Period (Platinum Plan)

Day-1 coverage for pre-existing diseases

100% Hospital Bill Coverage

No hidden deductions or co-pay

No Room Rent Capping

Any room type allowed within sum insured

Pre & Post Hospitalisation

60 days before + 120 days after cover

AYUSH & Day-care Treatment

Alternative therapy & minor procedures included

Restore Sum Insured Feature

Multiple claims possible within same year

Cashless Network Hospitals

11,500+ pan-India hospitals

Tax Benefits

Section 80D deduction up to ₹ 75 k

Digital Claim Process

Submit via app – no agents needed

Acko Plans Ke Types

Acko Health Insurance ke 3 major plan categories hain-

1. Acko Standard Health Plan – affordable option, basic coverage.
2. Acko Platinum Health Plan – premium plan with zero waiting period & unlimited restore.
3. Top-Up Plan – existing health policy ke upar additional sum insured.

Waiting Period Details

• Initial waiting period: 30 days (except accidents).
• Pre-existing disease waiting: Up to 3 years (standard plan).
• Platinum plan: Zero waiting period.
• Maternity cover: 9 months to 3 years depending on plan.

Premium & Factors Affecting Cost

Premium depend karta hai:

• Age & City (tier-1 cities = higher premium).
• Sum insured – ₹ 5 Lakh to ₹ 1 Crore.
• Number of family members covered.
• Add-ons (like restore, room rent waiver).
• Lifestyle factors – smoking, existing illness.

Tips to save premium:

1. Family floater choose karo.
2. Top-up plans use karke coverage badhao.
3. Long-term policy lo (2 or 3 years term pe discount milta hai).
4. Compare online before purchase.

Acko Claim Process – Kaise File Kare

Acko ka claim process kaafi simple hai:

1. Cashless claim: Hospital Acko network me ho toh direct settlement.
2. Reimbursement: Non-network hospital ka bill submit kar ke refund milta hai.
3. Documents: ID, hospital bill, discharge summary, doctor prescription, reports.
4. Processing time: Usually within 2–5 days after submission.

Claim Settlement Ratio 2024: Approx 97 %.

Acko vs Other Insurance Companies

Feature	Acko	Care Health	Niva Bupa	HDFC Ergo
Waiting Period	Zero (Platinum)	2–4 yrs	2 yrs	3 yrs
Premium Cost	Lower (digital only)	Medium	High	Medium
Claim Ratio	97 %	95 %	96 %	98 %
Room Rent Limit	No limit	Limit varies	Limit varies	Depends on plan
Cashless Hospitals	11.5 k +	10 k +	9 k +	13 k +

Pros and Cons

Pros (Advantages):

• Zero waiting period option.
• Digital buy & claim experience.
• Affordable premium plans.
• No room rent limit.
• Good customer support (24×7 chat + email).

Cons (Points to Check):

• New company – less offline presence.
• Senior citizen premium high.
• Some plans don’t cover OPD visits.

Customer Reviews & Real Feedback

“Maine Acko Platinum plan liya, claim 2 din me approve ho gaya.”

“App thoda slow tha, lekin customer support helpful tha.”

Overall, users ke feedback me quick settlement & easy process ko positive point mana gaya hai.

Tax Benefits & Extra Perks

Health insurance premium par tumhe Section 80D ke under tax benefit milta hai:

• Self + family: up to ₹ 25 k.
• Parents (senior citizen): extra ₹ 50 k.

Agar tum combined cover lete ho, toh total deduction ₹ 75 k tak mil sakta hai.

Kis Ke Liye Best Hai Acko Health Insurance

• Young professionals aur small families.
• Digital savvy log jinko app based policy pasand hai.
• Log jo zero waiting period ya restore sum insured features chahte hain.
• Working couples seeking maternity coverage.

Avoid karo agar:

• Offline agent support chahiye.
• Multiple pre-existing diseases hain (verify waiting period).

Acko Health Insurance Plans Comparison Chart

Feature / Plan	Standard Plan	Platinum Plan	Top-Up Plan

Sum Insured Options

₹5L – ₹25L

₹10L – ₹1Cr

₹25L – ₹1Cr

Waiting Period

30 days initial; 3 yrs pre-existing

Zero waiting period

Depends on base policy

Room Rent Limit

Standard limits

No limit

Depends on base policy

Pre & Post Hospitalisation

60 days pre, 120 days post

60 days pre, 120 days post

Same as base plan

Cashless Hospitals

Yes (11,500+ hospitals)

Yes (11,500+ hospitals)

Same as base plan

Restore Sum Insured

Not included

Unlimited restore available

Optional add-on

Daycare & AYUSH Treatments

Included

Included

Optional add-on

Maternity Cover

Optional, waiting period applies

Optional, waiting period reduced

N/A

Premium (Approx.)

Low

Medium–High

Low–Medium (top-up only)

Tax Benefits (Sec 80D)

Yes

Yes

Yes

Note- Es Blog me aapko Acko Health Insurance ke bare me btaya gya hai to hme niche comment me btaye ki aapko ye Jankari kese lagi.