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Acko Secure Shield Health Insurance

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Acko Health Insurance
Secure Shield Policy
Claim Settlement Ratio74.09%
COVID-19 CoverAvailable
Free Health CheckupAvailable
Inception2016
Network Hospitals5,300+
RenewabilityLifetime

About Acko Secure Shield Health Insurance

Acko Secure Shield Policy is an affordable medical insurance plan that protects you financially in case the risk arises during the policy term. The risks may include events such as loss of job, a critical illness that may occur during the policy term, or hospital daily cost. The policy offers several benefits to the policyholders such as a wide range of sum insured limit, easy and transparent buying process, guidance from trained professionals, and unbiased insurance-related advice from the health insurance company. Apart from this, the insurance company offers a quick claim settlement process.

So, in case you file a claim under Acko Secure Shield Policy, then it will be settled in a quick and hassle-free way. The policy tenure of Acko Secure Shield Policy is of 1 year and if covered under it, you can avail tax benefits under Section 80D of the Income tax Act, 1961. All in all, the policy offers complete protection in tough times and hence, it is a wise choice to opt for it.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Hospital daily allowance after continuous 24 hours of hospitalisation
  • Critical illness benefit
  • Guidance from claimed professionals offered under this plan
  • Loss of job benefit
  • Wide range of sum insured options are offered under this plan

What's Not Included

  • Critical illnesses within 30 days of Risk Commencement Date
  • Pre-existing disease or any injury arising thereof
  • Treatments required due to suicide/suicide attempt
  • Any external congenital anomalies
  • Laser treatment required for correction of eye because of refractive error

Claim Process at Acko Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Secure Shield Policy Health Insurance Plan

  • Which expenses am I covered for under hospital daily allowance benefit?

    Under hospital daily allowance benefit, the insurance company will pay the daily allowance amount specified against the benefit in Certificate of Insurance, for a continuous period of 24 hours of hospitalisation.

  • What is the loss of job benefit under Acko Secure Shield Policy?

    If the insured suffers from involuntary unemployment during the coverage period that results in loss of income, then the insurance company will pay him/her the monthly amount as specified in the Certificate of Insurance against this benefit.  

  • What is the critical illness benefit offered under Acko Secure Shield Policy?

    In case an insured individual is first diagnosed with a critical illness as specified in the policy document during the coverage period, then the insurance company will pay the sum insured under this benefit. 

  • Which critical illnesses are covered under Acko Secure Shield Policy?

    Some of the critical illnesses that Acko Secure Shield Policy covers you for include: 

    • Cancer of specified severity
    • Kidney failure requiring regular dialysis
    • Major organ/bone marrow transplant
    • 5 open heart replacement or repair of heart valves
    • Open chest CABG 
    • 7 permanent paralysis of limbs 
    • 8 myocardial infarction (first heart attack-of specific severity)

  • Can I avail tax benefits on the premium paid for Acko Secure Shield Policy?

    Yes. You can avail tax benefits on the premium paid for this policy under Section 80D of the Income Tax Act, 1961. 

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