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How is acko health insurance

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bikidas2060

Acko is giving 1cr coverage at 9k. How is it even possible? They have no waiting period, no ped(pre existing disease) waiting period. 

How is Acko health insurance? @drjpatwa

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Deal Subedar Deal Subedar
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While this is quite interesting,  i was checking with ap**lo hospitals with a known billing head to know how this is working. He does not have idea but told , hospitals with networks are providing packages which works out same ( in sleep also they dont speak truth only advertisements). He said these packages wont be part, if we come with other insurance except theirs.

I remember that when father has undergone stunt procedures i was offered a package of 2.89L in dec,2019( no insurance) and i opted for it. This otherwise costs 4.2L is what they said. 

I am not sure about monetization benefits,  but was hassle free for me that time. I felt the following

1. Next day operation appointment  this was possible only after i said i dont have HI.

2. Quick room availability of our choice.

3. Hassle free checkin date and check out date.

I am not sure if i felt it, its good to be true.

My fathers colleague who has undergone same stayed more days has been prescribed more medicine and has every dam doctor visit everday in and out. He has HI insurance. ( i know every patient is different,  health conditions different, body what not. But to my eyes both look healthy without any known complications at the time of procedure).

i wanted to share one car insurance experience.

I have national insurance policy and when i opted for insurance.

1. The parts will take 1 week to arrive.

2. The approx quote of parts was high ( ofcourse they have MRP)  and there are labour charges etc and other small stuff.

3. 1000 rs min. for claiming .

I visited another service station of same company and said i dont want to claim insurance.

Next day they called and by that evening my car was ready and to my surprise 30% lesser than the earlier service station quote.

I am still trying to understand 😕. 

The parts available outside service stations also come atleast 10% cheaper, but the service company claims they are not good.

Its big for me to understand. 

May be when companies rule over people thats how it will be. 

When step into any corporate i see monies behind every smile

You may disagree but educated are brainwashed to opt for insurances and articles will be so nice to read and adopt. 

One side healthy life style articles, otherside HI companies. So brainwashed that we have to test waters evertime 😞

@bikidas2060

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Guess what guys. I have bought the 50 lakh plan as a test drive as most of us don't have a clue. I am adding the necessary stuff in deal wiki. Just received the doc's call she ll call me again in 15 mins. The policy is subjected to be approved. I have the free look up period with me. And I guess I ll have to burn 1000-2000 rupees for medical check up fees if any otherwise I ll disclose the entire thing here.

@Chudiya @MrKool_JJ @malikcool @guest_999 @decideaim @Time_pass @playdime @EkdamSastaRaju @Tanmayyy @jambui @EkakiAmi @neehesh

Deal Cadet Deal Cadet
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playdime wrote:

Thanks. What are the prime points to consider b4 taking HI? what were your points for considering care HI

  • Check Network hospitals especially if hospitals in your areas you reside at or work are empanelled with them
  • Check exclusions and PED waiting time
  • See list of diseases and surgeries not covered and decide if it may affect you
  • Plus point check if SI increases via NCB (no claim bonus)
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Deal Subedar Deal Subedar
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Checking this  but could not read exclusions and max coverage cap per disease.

Also they would have given 7100 hospital list in excel, searching how many hospitals is difficult with list running into pages.

Entertainer Entertainer
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bikidas2060 wrote:
saucap

No idea bro. I don't have any health insurance 

Hunk Hunk
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kartikxxx wrote:
Please read tnc carefully. I have taken vehicle insurance with them.. If they have no hidden clause then it will be a deal grinning

Ok. Lemme read every single thing about their proposal form etc. 

Deal Lieutenant Deal Lieutenant
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I had ACKO for vehicle, since it's out of serviceable town, they gave 5K for the 8K I incurred in repairs. Yeah difficult to justify 1 crore for 9K for health insurance, only possible for term insurance that rate.
Hunk Hunk
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decideaim wrote:
I had ACKO for vehicle, since it's out of serviceable town, they gave 5K for the 8K I incurred in repairs. Yeah difficult to justify 1 crore for 9K for health insurance, only possible for term insurance that rate.

Ok bhai

Deal Cadet Deal Cadet
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I work in this domain and would suggest you avoid this especially for health insurance.They probably have a small network chain, plenty of exclude clauses hence premium is so low. My suggestion is schedule a call with Ditto. They're like policy bazaar except they're personalized, don't charge more commission than them and spam free. I chose CARE Health insurance after a 30 min scheduled session (and several WhatsApp chats) with them.
Deal Cadet Deal Cadet
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Chudiya wrote:
I work in this domain and would suggest you avoid this especially for health insurance.They probably have a small network chain, plenty of exclude clauses hence premium is so low. My suggestion is schedule a call with Ditto. They're like policy bazaar except they're personalized, don't charge more commission than them and spam free. I chose CARE Health insurance after a 30 min scheduled session (and several WhatsApp chats) with them.
+1 for ditto. See their policy analyser. They explain the policies without any technical jargons https://joinditto.in/health-insu...e/
Hunk Hunk
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Chudiya wrote:
I work in this domain and would suggest you avoid this especially for health insurance.They probably have a small network chain, plenty of exclude clauses hence premium is so low. My suggestion is schedule a call with Ditto. They're like policy bazaar except they're personalized, don't charge more commission than them and spam free. I chose CARE Health insurance after a 30 min scheduled session (and several WhatsApp chats) with them.

Thanks bhai

Post Emperor Post Emperor
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bikidas2060 wrote:

Acko website bhai

Acko is not disclosing detailed Policy brochure on it's website so can't judge the policy. If we go by the website, the policy looks promising. As far as I remember, Acko was selling arogya sanjeevani till August. So all there claims of disbursing 350 CR and 98% claim settlement doesn't apply to this policy, decide accordingly.
Deal Cadet Deal Cadet
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Chudiya wrote:
I work in this domain and would suggest you avoid this especially for health insurance.They probably have a small network chain, plenty of exclude clauses hence premium is so low. My suggestion is schedule a call with Ditto. They're like policy bazaar except they're personalized, don't charge more commission than them and spam free. I chose CARE Health insurance after a 30 min scheduled session (and several WhatsApp chats) with them.
This is good to know. I have a basic question - do health insurance policies normally require health checkups to be done before policy issuance or is it based on what we declare regarding our health condition? 
Deal Cadet Deal Cadet
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gischethans wrote:
This is good to know. I have a basic question - do health insurance policies normally require health checkups to be done before policy issuance or is it based on what we declare regarding our health condition? 
It's done on case by case basis. A lot of factors are considered like age, postal code etc. Since pre existing diseases (PED) either have exclusions or waiting period.

I didn't have to undergo checkup for health but did for term insurance.
Deal Subedar Deal Subedar
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bikidas2060 wrote:

@Chudiya

@neehesh @EkdamSastaRaju @agnivo007 @jambui @Tjs15 @EkakiAmi @bankipad

Bro health insurance should be taken from a reliable company. Whereas acko sounds like doing it for the sake of doing it.

I have just bought their motor insurance only for compliance and smartphone protection plans whenever they're cheap. But i would not suggest the same when it comes to health insurance especially when things seem too good to be true.

Post Emperor Post Emperor
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Is there any website higher authority or anything to complaint regarding health insurance issue.. in my parents policy they are not updating ped care health insurance how to solve this problem
Deal Subedar Deal Subedar
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I'm paying 25k for 10L health insurance family floater plan from HDFC ergo
Benevolent Benevolent
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Chudiya wrote:
I work in this domain and would suggest you avoid this especially for health insurance.They probably have a small network chain, plenty of exclude clauses hence premium is so low. My suggestion is schedule a call with Ditto. They're like policy bazaar except they're personalized, don't charge more commission than them and spam free. I chose CARE Health insurance after a 30 min scheduled session (and several WhatsApp chats) with them.

I am not able to view any premium on their website?
Can we do that?

Deal Subedar Deal Subedar
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Chudiya wrote:
I work in this domain and would suggest you avoid this especially for health insurance.They probably have a small network chain, plenty of exclude clauses hence premium is so low. My suggestion is schedule a call with Ditto. They're like policy bazaar except they're personalized, don't charge more commission than them and spam free. I chose CARE Health insurance after a 30 min scheduled session (and several WhatsApp chats) with them.

Thanks. What are the prime points to consider b4 taking HI? what were your points for considering care HI

Deal Subedar Deal Subedar
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MrKool_JJ wrote:

I am not able to view any premium on their website?
Can we do that?

"Get quote" Forr me 1cr family floater of acko platinum premium coming arnd 33k+GST. 

Not bad, icici family floater of 10L is around 30k

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