Is Acko Health Insurance Good?

When you’re choosing a health insurance plan, you’re looking beyond premiums and at how reliable an insurer is when it comes to settling claims. So, is Acko Health Insurance good or not in real-world scenarios?

At Ditto, we analyzed IRDAI annual reports, insurer disclosures, and policy documents. By the end of this blog, you’ll know how Acko performs on claim settlement, customer experience, policy features, and whether it’s a good fit for your health insurance needs.

Overview of Acko Health Insurance

About Acko Health Insurance

Acko is a general insurance company (India’s first fully digital insurer) that offers health insurance as part of its product portfolio, primarily through online channels. The company is backed by well-known investors such as Amazon India, Accel, and CATAMARAN.

Market Presence and Years of Operation

• Received IRDAI License: 2017
• Launched Retail Health Insurance Plans: 2023
• Operating model: 100% digital

Types of Health Insurance Plans Offered

Acko Health Insurance offers a limited but focused range of plans:

• Acko Platinum Lite offers no room rent limits, an initial 30-day waiting period (except for accidents), a 2-year waiting period for specific illnesses, and a 3-year waiting period for pre-existing health conditions.
• Acko Platinum offers zero waiting periods if you have no pre-existing health conditions, no room rent limits, high sum insured options (up to ₹1 crore), and free yearly health checkups. However, the insurer recently removed features such as unlimited sum insured and unlimited restoration from the plan. 
• Super Top-up plans, such as the Acko Platinum Super Top-up Health Insurance, provide extra coverage that kicks in once basic policy limits are exhausted.
• Senior citizen health insurance plans tailored for individuals aged 60+ with coverage suited to elder medical needs under the Standard or Platinum variants. 
• Group health insurance solutions for corporates and employee benefits, covering hospitalisation and related medical expenses.
• Full list of offerings - https://www.acko.com/download/

Note: The above data has been sourced from the insurer’s public disclosures and IRDAI annual reports.

To answer whether Acko health insurance is good or not, let’s look at performance metrics from FY 22-23 to FY 24-25.

• Acko has maintained a consistently decent CSR of 96.5% over the years, which indicates its claim handling efficiency. 
• An ICR between 50-80% is considered healthy, and Acko’s 3-year average of 66.2% suggests that the insurer is neither aggressively underpricing its policies nor struggling to pay claims. 
• Acko’s complaint volume is slightly higher than that of some established insurers, but this is expected for a relatively newer, fast-growing player.
• Acko’s business volumes are quite low as compared to other insurers in the market, although this isn’t a sign to worry about, customers should still be aware.

At Ditto, we use a three-year average instead of looking at a single year’s number because a single year can be skewed by unusual spikes or drops in performance. 

For more details, you can also check out our detailed review of Acko Health Insurance.

Drawbacks of Acko Health Insurance

1) Common Issues Reported by Policyholders

As a relatively new insurer in the Indian market, Acko has a limited long-term track record compared to established players. Some policyholders have reported confusion due to frequent updates in policy features, wordings, and terms, which can make it harder to keep track of coverage details over time.

2) Third-Party Administrator (TPA)-Driven Claim Processing

Acko relies on TPAs to handle servicing and processing of its retail health insurance claims. This additional layer can sometimes result in coordination gaps, longer turnaround times, or accountability issues during claims. In contrast, insurers that manage claims in-house, such as HDFC ERGO, often offer smoother communication, faster resolution, and clearer ownership of the claims process

3) Claim Delays and Rejection Concerns

While Acko promotes fast and digital claim settlements, there are isolated reports of claim delays or rejections, particularly related to documentation, policy exclusions, or non-disclosure of pre-existing conditions.

4) Customer Service and Support Limitations

Acko follows a digital-first model, which means most interactions happen through the app or online platforms. While this works well for tech-savvy users, it may be a drawback for customers who prefer face-to-face assistance or dedicated agents, especially during complex claims or medical emergencies.

Things to Check Before Buying Acko Health Insurance

1) Policy Wordings and Exclusions

Check what is included in the coverage and, more importantly, what is excluded. Certain treatments, non-medical expenses (in non-covered plans), or specific procedures may not be covered, which could lead to unexpected out-of-pocket costs during a claim.

2) Waiting Periods and Co-Payment Clauses

Some Acko health insurance plans come with waiting periods, especially for pre-existing diseases such as diabetes, hypertension, or heart-related conditions, which typically range from 1-3  years (unless you opt for select Platinum plans). 

Also, verify whether your chosen plan has a co-payment clause, where you may need to pay a fixed percentage of the claim amount yourself. Understanding these terms upfront helps avoid surprises at the time of claim.

3) Network Hospital Availability in Your City

Acko has a wide network of cashless hospitals across India, but availability can vary by location. To ensure a smooth cashless claim experience, always check whether your nearest or preferred hospital is part of Acko’s network before buying the policy. 

Why Choose Ditto for Health Insurance?

At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Pallavi below love us:

• No-Spam & No Salesmen
• Rated 4.9/5 on Google Reviews by 15,000+ happy customers
• Backed by Zerodha
• Dedicated Claim Support Team
• 100% Free Consultation

Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call now or chat over WhatsApp, slots fill up fast!

Ditto’s Take on Is Acko Health Insurance Good?

Acko Health Insurance shows strong and reassuring performance metrics, particularly its consistently decent CSR and complaint levels that remain below the industry average. 

However, it’s important to view these numbers in context. More established health insurers have a longer operating history, larger claim volumes, and have maintained similar, or in some cases better, metrics over a much longer period of time.

Acko’s metrics are promising and point in the right direction, but whether it can consistently sustain or improve these numbers over the long term remains to be seen. 

For now, Acko performs well, but buyers should weigh this against the stability and experience offered by legacy insurers before making a decision.

Full Disclosure: Acko Health Insurance is not a partner insurer of Ditto. All the information in the above article has been sourced from the insurer’s website and publicly available data.