Acko Health Insurance

1. Acko Health Insurance offers a daily cash benefit in the form of an add-on cover. You can use this sum to purchase medicines or other items as needed. 
2. In accordance with the terms of the policy, the expenses of receiving Ayurveda, Unani, Sidha or Homeopathy (AYUSH) treatment will be covered.  
3. The policy provides coverage for childbirth expenses and health insurance for the newborn baby.  

Acko Health Insurance Exclusion

Here are the conditions that are not covered by Acko Health Insurance plans: 

1. The policy does not cover the expenses associated with treating intentional injuries sustained while attempting suicide. 
2. Treatment needed as a result of engaging in criminal activity is not covered. 
3. Cosmetic and dental surgery costs are excluded unless they are necessary as a result of an accident. 
4. Infertility treatment is typically not covered by health insurance. 
5. The policy does not cover accidents that occur while participating in adventure sports.  

1. Any additional medical procedures or treatments that are not included under the policy will not be covered. 

How to Claim Acko Health Insurance

Acko Health Insurance enables you to make a claim in two ways: cashless claim and reimbursement claim. 

1. Cashless Claim: 

Cashless health insurance allows you to make medical bill payments directly to the hospital through Acko Health Insurance. You must be hospitalised at one of the network hospitals included by the insurance company in order to receive this benefit, and you may claim up to the sum insured. To raise a cashless claim, follow the steps mentioned below: 

Step 1: Go to the hospital’s insurance help desk and give your policy card.  

Step 2: Start your cashless claim by filling out a pre-authorisation form.  

Step 3: If your claim is approved, your claim will be settled with the hospital after taking your deductibles into account. 

Step 4: You can make a reimbursement claim if your cashless claim was rejected.  

2. Reimbursement Claim: 

A reimbursement claim is a type of claim settlement you need to pay the hospitalisation/medical bills for the treatment you received. Acko Health Insurance will reimburse this amount when you raise a reimbursement claim after discharge.  

Here are the steps to follow in case of a reimbursement claim: 

Step 1: Notify Acko Health Insurance about the hospital and medical treatment.  

Step 2: Utilize medical care at the hospital of your preference. 

Step 3: Pay off all hospital bills. 

Step 4: Obtain original hospital records, including medical bills, diagnostic and laboratory reports, the discharge summary, etc.  

Step 5: Fill out the health insurance claim form completely by downloading it from the official website of Acko Health Insurance.  

Step 6: Make sure the hospital signs and seals all the documents. 

Step 7: Make a reimbursement claim online or via email.  

Step 8: Submit the health insurance claim form and supporting documents.  

Upon approval, your claim will be settled based on the policy’s terms and conditions. In case your claim is rejected, Acko Health Insurance will notify you stating the reason for the same.

Documents Required to Claim Acko Health Insurance

The documents required to claim Acko Health Insurance are listed below: 

1. Duly filled health insurance claim form 
2. Cash invoice 

1. Reports on diagnostic tests (Laboratory/X-Ray/Scans/ECG) 
2. Insurance policy document 
3. Original payment receipts 
4. Patient’s discharge summary 
5. Cancelled cheque (reimbursement claim) 

1. Prescriptions 
2. In the event of an accident, First Information Report (FIR)/Medico-legal Certificate (MLC) 
3. Original medical bills 

Note: The documents need to make a claim may differ based on the circumstances.  

How to Renew Acko Health Insurance

You can renew your Acko Health Insurance plan by following these steps: 

Step 1: A renewal notification will be sent to your registered email address.  

Step 2: Click on the payment link for renewing the policy.  

Step 3: Complete the payment.  

Step 4: The renewed policy will be sent to you within 24 hours of making the payment.  

Acko Health Insurance Plans

The different types of Acko Health Insurance plans are mentioned in the table below:  

Benefits of Acko Health Insurance

The benefits associated with Acko Health Insurance are listed below: 

1. Comprehensive health plans assist in covering hospitalisation costs as well as other costs associated with it such as pre-and post-hospitalisation fees, medical tests, doctor’s consultation fees, medicines, etc.  
2. While group insurance plans are offered by many companies, they are not usually tailored to your specific needs. Thus, it is beneficial to have additional health insurance if you are laid off or move to a different company. 
3. Cashless treatments allow you to receive quality care without having to worry about how to pay for it. The entire hospitalisation expenditure in cashless treatment will be covered by Acko Health Insurance.  

1. In recent years, the Insurance Regulatory and Development Authority of India (IRDAI) has taken numerous steps to make health insurance more readily available and cost-effective to all. You can avail tax benefits under Section 80D of the Income Tax Act of 1961 on paying premiums.