Acko Personal Accident Policy
  • Zero waiting period
  • Accidental death cover
  • No health check-up required
Acko Personal Accident Policy
premium

Network hospitals

14300+

premium

Incurred claim ratio

83.88%

premium

Sum insured

Up to 1 Crore

premium

No. of Plans

1

premium

Solvency Ratio

4.3

premium

Pan India Presence

17+

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Acko Personal Accident Policy

According to a report from the World Economic Forum, there are over 2.5 lakh accidental deaths or fatalities happening per year in India. Accidents are never planned so it doesn’t give us any chance to plan for our family’s future.

How do we combat these uncertainties?

The answer is simple - with personal accident insurance. Not all of us can bear the expensive healthcare costs, so we require accidental health insurance. Personal accidents generally refer to injuries/deaths caused due to a fall, slip, road accident, etc. It can be challenging for people to get treated with such conditions. Hence we must have accidental health insurance that can take care of our medical expenses and our family’s financial needs in an emergency.

The Acko personal accident policy is such a safety net that can protect you from financial distress and help you recover rather than worrying about inflating healthcare costs. You can also buy the Acko personal accident cover with a different set of insurance combinations, category of which are mentioned below:

  • Personal accident cover with health insurance
  • Personal accident cover with car insurance
  • Personal accident cover with life insurance
  • Add-on covers to customize coverage benefits

Furthermore, to understand the specifications, benefits of buying an Acko personal accident plan and exclusions of the Acko personal accident cover, scroll down. When it comes to buying an accident cover insurance policy, the goal should be clear and impactful.

Acko Personal Accident Policy Specifications

To understand Acko Personal Accident Policy Insurance in detail, take a look at the below table:

Entry Age

Minimum 18 years

Policy Type

Accident Health Insurance

Sum Insured

NA

Initial Waiting Period*

Accidental death covered from Day 1 Days

Renewability

NA

Policy Term

1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

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Choose Your Acko Personal Accident Policy

With wide coverage options available, Acko Personal Accident Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Not covered

ICU Charges

Not covered

Pre-Hospitalization

Not covered

Post-Hospitalization

Not covered

Domiciliary Hospitalization

Not covered

Daycare Treatment

Not covered

OPD Charges

Not covered

Coverage Terms

COVID-19 Treatment

Not covered

Cataract

Not covered

No Claim Bonus

Not covered

Automatic Restoration

Not covered

Daily Hospital Cash

Not covered

Organ Donor

Not covered

Maternity Cover

Not covered

New Born Baby Cover

Not covered

Alternative Treatments

AYUSH Treatment

Not covered

IVF Treatment

Not covered

Modern Treatment

Not covered

Emergency Coverage

Ambulance

Not covered

Air Ambulance

Not covered

Compassionate Travel

Not covered

Global Coverage

Not covered

Wellness Programmes

E-Consultation

Not covered

Health Check-Up

Not covered

Second Medical Opinion

Not covered

Vaccination

Not covered

Limitations

Co-payment

Not covered

Sub-limits

Not covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

Specifications of Acko Personal Accident Policy

Factors Specifications
Accidental Death In case of the insured’s death due to an accident, the company will pay the lump sum amount to manage their basic lifestyle. Additionally, they cover the expenses related to the insured’s last rites.
Aid to uncertainty If the insured person goes through an accidental emergency and needs medical care for injury treatment, the insurer will pay out financial aid upto a specified limit.
Permanent partial disability In such a case of PPD, if the policyholder needs assistance with residential modification or transportation, the company will pay the incurred expenses.
No pre-policy medical check-up Acko's accidental insurance policy is different from any random health plan in the market. You need not be worried about going through medical and physical examinations saving your time and savings.

Benefits of Acko Personal Accident Policy

  1. Common injuries covered

    This policy covers some of the common types of injuries, read the list of those below:

    • Broken bones
    • Concussions
    • Spinal injuries
    • Burns
    • Loss of limbs
    • Permanent vision impairment

  2. Financial security

    If the insured has met with an accident that caused them any kind of disablement listed in the policy prospect, the company will cover the medical bills and day-to-day expenses upto a specified limit.

  3. Affordability

    The Acko personal accident policy comes with an affordable monthly premium option that won’t hurt your pocket in any way.

  4. 24/7 coverage

    You need not be worried about any kind of spontaneous medical expenses, as you’re under the umbrella of Acko’s personal accident cover.

  5. Tax benefits

    Avail tax benefits against the paid policy premiums tax benefits under Section 80D of the Income Tax Act.

Exclusions of Acko Personal Accident Policy

Self-inflicted injuries

Alcoholism or drug abuse

Participation in life-threatening or adventurous activities

Suicidal attempts, etc

War and terrorism affairs

Pre-existing conditions

Criminal intent and complications caused due to the same

Note: These are just standard and compulsory exclusions lists, but might be different from the exact ones. For a detailed list of exclusions (what’s not covered), check through the terms & conditions of your policy documents. Remember, all the variants of this plan have different sets of exclusions so read carefully before buying/claiming your policy.

Explore other Acko Health Insurance

To cater to the different medical needs of an individual & their family, Acko Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Acko Health Insurance plans explore more:

Individual and Family Health Insurance

Acko Platinum Health Insurance

Acko Platinum Health Insurance

Acko Platinum Health Plan offers you coverage for yourself and your family members. The plan offers a sum insured of INR 10 lakhs with many benefits. ...

Unique Features

  • Personal Accident Cover
  • Critical Illness Cover
  • SI up to 10 Lakhs

Acko Platinum Health Insurance (Pros)

Acko Platinum Health Insurance
  • Personal accident cover
  • Critical illness cover
  • SI up to 10 Lakhs

Acko Platinum Health Insurance (Cons)

Acko Platinum Health Insurance
  • OPD not covered
  • ICU coverage not available
  • Cosmetic surgeries not covered

Acko Platinum Health Insurance (Other Benefits)

Acko Platinum Health Insurance
  • Personal accident cover
  • Critical illness treatment cover
  • Doctor on call & second medical opinion available

Acko Platinum Health Insurance (Eligibility Criteria)

Acko Platinum Health Insurance
  • Minimum Entry Age - 18 Years
  • Maximum Entry Age - N/A
  • SI - Upto 10 Lakhs
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Acko Arogya Sanjeevani Policy

Acko Arogya Sanjeevani Policy

You must be thinking about how a basic health insurance policy like Arogya Sanjeevani can fulfil all your health goals. But only let this thought sink...

Unique Features

  • COVID-19 treatment coverage
  • No pre-policy health check-ups up to 45 years
  • Lifelong renewability

Acko Arogya Sanjeevani Policy (Pros)

Acko Arogya Sanjeevani Policy
  • No Pre-Policy Check-up
  • COVID-19 cover
  • AYUSH coverage
  • Ambulance services

Acko Arogya Sanjeevani Policy (Cons)

Acko Arogya Sanjeevani Policy
  • OPD cover unavailable
  • Maternity unavailable
  • Newborn baby cover
  • Health check-ups unavailable

Acko Arogya Sanjeevani Policy (Other Benefits)

Acko Arogya Sanjeevani Policy
  • Family floater cover
  • Indemnity benefits
  • Pre & post-hospitalization
  • Room rent & ICU cover

Acko Arogya Sanjeevani Policy (Eligibility Criteria)

Acko Arogya Sanjeevani Policy
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Accident Health Insurance

Acko Personal Accident Policy

Acko Personal Accident Policy

According to a report from the World Economic Forum, there are over 2.5 lakh accidental deaths or fatalities happening per year in India. Accidents ar...

Unique Features

  • Zero waiting period
  • Accidental death cover
  • No health check-up required

Acko Personal Accident Policy (Pros)

Acko Personal Accident Policy
  • Zero waiting period
  • Accidental death cover
  • No health check-up required

Acko Personal Accident Policy (Cons)

Acko Personal Accident Policy
  • Pre & post-hospitalisation not covered
  • ICU cover not available
  • OPD not covered

Acko Personal Accident Policy (Other Benefits)

Acko Personal Accident Policy
  • Accidental death and disability hospitalization
  • Permanent and total disability
  • Aid to uncertain injuries

Acko Personal Accident Policy (Eligibility Criteria)

Acko Personal Accident Policy
  • Min. Entry Age - 18 Years
  • Max. Entry Age - 70 Years
  • SI - NA
  • Initial Waiting Period - Day 1 Coverage For Accidental Death

Acko Personal Accident Policy: FAQs

1. Who is eligible to buy the Acko personal accident insurance plan?

Individuals aged between 18-70 years can buy this policy.

2. Can an NRI buy this policy?

No, only Indians and people living in India can buy the Acko personal accident plan.

3. Is a pre-policy medical check-up mandatory to buy this plan?

The Acko personal accident cover is built to be accessible by all, hence there’s no need for a pre-policy medical check-up before buying the policy.

4. On which basis will I have to pay the premium amount?

The payable premiums depend upon the coverage amount you choose, age, health and medical history, add-on covers, type of occupation, and so on.

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Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.

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