{"uin":"ACKHLGP24032V012324","name":"Acko Secure Shield Plus","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324","insurer":{"slug":"acko-general-insurance","name":"Acko General Insurance Limited","url":"https://indiainsurances.com/insurer/acko-general-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Acko Secure Shield Plus is a group health product with both indemnity and benefit cover. It has a 30-day initial illness waiting period, a 2-year specified disease waiting period for hospital daily allowance, a 30-day free-look period and a 60-month moratorium.","analysis":{"state":"machine","analysed_at":"2026-10-19 17:55:09.261318+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe benefits and critical illness groups, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording only says the policy is valid for the period specified in the Schedule or Certificate of Insurance.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Provide necessary claim information and documentation within 30 days of the occurrence of the insured person's injury or event that may give rise to a claim.","display":"Within 30 days of the occurrence of the Insured Person’s Injury","note":"Delay may be condoned on merits if proved to be beyond the claimant’s control.","quote":"On the occurrence of or discovery of any event which may give rise to a claim under this Policy, We shall be provided with the following necessary information and documentation in respect of the claim within 30 days of the occurrence of the Insured Person’s Injury","sources":[{"clause":"Section F(a)","heading":"Claims Procedure","page":20,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-section-f-a"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Our claim form duly completed and signed","Name and address of the Insured Person","Copies of valid KYC documents","Final Hospital Discharge Summary","Final Hospital Bill","Income Tax Return (ITR)","Proof of Employment (Appointment Letter)","Salary slip for last 3 months","Medical Certificate from treating Doctor","Medical Bills with Prescription","Medical reports, case histories, investigation reports, treatment papers as applicable","Copy of FIR/MLC","Death Certificate attested by issuing/ appropriate authority","Discharge summary/certificate"],"display":"Claim form, insured person details, KYC, hospital bills/discharge papers, medical reports and benefit-specific documents such as ITR/employment proof, FIR/MLC, death certificate and discharge certificate","note":"The clause says the list is including but not limited to and additional documents may be requested depending on the nature of the claim.","quote":"Common Documents | • Our claim form duly completed and signed; • Name and address of the Insured Person in respect of whom the claim is being made; • Copies of valid KYC documents of the Nominee/claimant, any other regulatory requirements, as amended from time to time; ... • Final Hospital Discharge Summary in original / self-attested copies if the originals are submitted with another insurer. • Final Hospital Bill in original / self-attested copies if the originals are submitted with another insurer. ... • Income Tax Return (ITR) for number of years specified in Certificate of Insurance • Proof of Employment (Appointment Letter) ... • Salary slip for last 3 months ... Nature of Critical Illness Medical Certificate from treating Doctor Details of any other related document Medical Bills with Prescription Medical reports, case histories, investigation reports, treatment papers as applicable ... • Copy of FIR/MLC ... • Death Certificate attested by issuing/ appropriate authority. ... • Discharge summary/certificate","sources":[{"clause":"Section F(a)","heading":"Claims Procedure","page":20,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-section-f-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"An admitted claim is paid within 15 days. If investigation is needed, the investigation is to be completed not later than 15 days and the claim settled within 15 days.","display":"Admitted claims within 15 days; investigations not later than 15 days and then settlement within 15 days","note":"The wording states the timing for admitted claims and investigation cases, but does not state a separate start point other than admission/investigation.","quote":"We shall make the payment of claim that has been admitted as payable by Us under the Policy within 15 days. Where the circumstances of a claim warrant an investigation in Our opinion, We shall initiate and complete such investigation at the earliest, in any case not later than 15 days. In such cases, We shall settle the claim within 15 days.","sources":[{"clause":"Section F(c)(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-section-f-c-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any Illness or Critical Illness arising within first 30 days of the Risk Commencement Date","Any Illness or Critical Illness arising within the Waiting Period(s) specified in the Schedule or Certificate of Insurance","Any Pre-Existing Disease, or any Injury or condition arising out of a Pre-Existing Disease, or any complication arising therefrom.","Suicide or attempted suicide, intentional self-inflicted Injury or acts of self-destruction","Any External Congenital Anomalies or in consequence thereof.","Any claim directly or indirectly caused by or associated with any venereal disease or sexually transmitted disease.","AIDS whether or not arising out of HIV","Laser treatment for correction of eye due to refractive error","Aesthetic or change-of-life treatments","Cosmetic treatments","Vaccination or inoculation unless forming a part of post-animal bite treatment","Treatment of obesity (including morbid obesity)","Sterility, treatment whether to effect or to treat infertility","Any claim arising from or caused due to use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen.","Any claim arising or resulting from the Insured Person committing any breach of law"],"display":"Main exclusions include 30-day illness/critical illness waiting, schedule waiting periods, pre-existing disease, self-harm, external congenital anomalies, STDs/HIV/AIDS, cosmetic/obesity/infertility/dental-type treatments, substance abuse and criminal acts","note":"These are selected main exclusions; the wording has separate exclusion sets for different benefits.","quote":"Any Illness or Critical Illness arising within first 30 days of the Risk Commencement Date ... Any Illness or Critical Illness arising within the Waiting Period(s) specified in the Schedule or Certificate of Insurance. ... Any Pre-Existing Disease, or any Injury or condition arising out of a Pre-Existing Disease, or any complication arising therefrom. ... Suicide or attempted suicide, intentional self-inflicted Injury or acts of self-destruction, whether the Insured Person is medically sane or insane. ... Any External Congenital Anomalies or in consequence thereof. ... Any claim directly or indirectly caused by or associated with any venereal disease or sexually transmitted disease. ... Acquired Immune Deficiency Syndrome (AIDS) whether or not arising out of HIV ... i) Laser treatment for correction of eye due to refractive error; ii) Aesthetic or change-of-life treatments of any description such as sex transformation operations, treatment towards changes in appearance or any procedure which is aimed to improve physical appearance; iii) Cosmetic treatments (including any complications arising out of cosmetic treatments) unless necessitated by traumatic Injury, or Illness; iv) Vaccination or inoculation unless forming a part of post-animal bite treatment; v) Treatment of obesity (including morbid obesity) and any other weight control program, general debility, convalescence, run—down conditions, rest cure, treatment of sleep apnea. ... Sterility, treatment whether to effect or to treat infertility ... Any claim arising from or caused due to use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen. ... Any claim arising or resulting from the Insured Person committing any breach of law","sources":[{"clause":"1","heading":"Any Illness or Critical Illness arising within first 30 days of the Risk Commencement Date","page":12,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-1-3"},{"clause":"2","heading":null,"page":12,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-2-3"},{"clause":"4","heading":null,"page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-4-3"},{"clause":"5","heading":null,"page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-5-3"},{"clause":"7","heading":null,"page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-7-3"},{"clause":"9","heading":null,"page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-9-2"},{"clause":"10","heading":null,"page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-10-2"},{"clause":"11","heading":"Hospitalization, if applicable, for the following treatments","page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-11-2"},{"clause":"12","heading":null,"page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-12-2"},{"clause":"13","heading":null,"page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-13-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances, first contact Acko on toll-free 1800 210 4990 or grievance@acko.com; if dissatisfied or no response within 14 working days, escalate to the Chief Grievance Officer at gro@acko.com before approaching IRDAI or the Insurance Ombudsman.","display":"Acko grievance helpline 1800 210 4990 / grievance@acko.com, then Chief Grievance Officer at gro@acko.com if no response within 14 working days","note":null,"quote":"For resolution of grievance, insured may contact the company on our toll-free helpline number 1800 210 4990 (Operating hours: 10 AM – 7 PM, all days of the week). ... you can also write to grievance@acko.com. ... If in case you are dissatisfied with the decision/resolution provided through details indicated above on your Complaint or have not received any response within 14 working days, you may write or email to Chief Grievance Officer:\nEmail: gro@acko.com ... If you wish to pursue other avenues for redressal of grievances, lf You are not satisfied with the redressal of grievance, You may also approach Insurance Regulatory and Development Authority of India (IRDAI) ... Insurance Ombudsman for Redressal","sources":[{"clause":"3","heading":"Redressal of Grievance","page":17,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-3-4"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The documents only state that Sum Insured is specified in the Certificate of Insurance or Policy Schedule.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to illness or critical illness claims under the relevant benefits.","quote":"Any Illness or Critical Illness arising within first 30 days of the Risk Commencement Date","sources":[{"clause":"1","heading":"Any Illness or Critical Illness arising within first 30 days of the Risk Commencement Date","page":12,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-1-3"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"The policy wording excludes pre-existing disease for the relevant benefits rather than giving a waiting period after which it is covered.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"years","amount":2},"display":"2 years","note":"For Hospital Daily Allowance. Prior continuous insurance for at least 2 years can serve the waiting period; 1 year of prior insurance leaves 1 year with Acko.","quote":"3. 2 years’ Waiting Period: A Waiting Period of 2 years will be applicable for the below Illnesses. However, a 2 year Waiting Period would be considered to have been served if the Insured Person was insured continuously and without interruption for at least 2 years under another Indian insurer’s individual health / Family Health insurance policy for the reimbursement of medical costs for inpatient treatment in a Hospital. In case the Insured Person was insured for 1 year in the previous policy, the below Illnesses would be covered after completion of 1 year of insurance with Us.","sources":[{"clause":"1","heading":"Hospital Daily Allowance","page":6,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-1-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Congenital Internal Anomaly","Varicose veins and Varicose Ulcers","Rheumatism and arthritis of any kind","Treatment of diseases on ears/ tonsils /adenoids /paranasal sinuses/ Deviated Nasal Septum","Stones in the Urinary and Biliary systems","Gastric or Duodenal Ulcer","Any type of benign Cyst/ Nodules/ Polyps/Tumours/ Breast Lumps","lntervertebral Disc Prolapse, and Degenerative Disc/vertebral Disorders","Cataract","Benign Prostatic Hypertrophy","Myomectomy, Hysterectomy unless because of malignancy","Dilatation and curettage (D&C)","Anal Fistula, Fissure and Piles","All types of Hernia","Hydrocele","Chronic Renal Failure","Joint replacement Surgery unless because of accident"],"display":"Congenital internal anomaly, varicose veins/ulcers, rheumatism/arthritis, ENT/DNS diseases, urinary/biliary stones, gastric/duodenal ulcer, benign cysts/nodules/polyps/tumours/breast lumps, disc/vertebral disorders, cataract, BPH, myomectomy/hysterectomy, D&C, fistula/fissure/piles, hernia, hydrocele, chronic renal failure and joint replacement","note":"This list is under the Hospital Daily Allowance benefit.","quote":"a) Congenital Internal Anomaly\nb) Varicose veins and Varicose Ulcers\nc) Rheumatism and arthritis of any kind\nd) Treatment of diseases on ears/ tonsils /adenoids /paranasal sinuses/ Deviated Nasal Septum\ne) Stones in the Urinary and Biliary systems\nf) Gastric or Duodenal Ulcer\ng) Any type of benign Cyst/ Nodules/ Polyps/Tumours/ Breast Lumps\nh) lntervertebral Disc Prolapse, and Degenerative Disc/vertebral Disorders\ni) Cataract\nj) Benign Prostatic Hypertrophy\nk) Myomectomy, Hysterectomy unless because of malignancy\nl) Dilatation and curettage (D&C)\nm) Anal Fistula, Fissure and Piles\nn) All types of Hernia\no) Hydrocele\np) Chronic Renal Failure\nq) Joint replacement Surgery unless because of accident","sources":[{"clause":"1","heading":"Hospital Daily Allowance","page":6,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-1-2"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"60 continuous months","note":"For enhanced sums insured, 60 continuous months apply from the date of enhancement on the enhanced limits.","quote":"After completion of 60 continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of 60 continuous months is called as moratorium period.","sources":[{"clause":"13","heading":"Moratorium Period","page":20,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-13-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"Portability is available to transfer credits for pre-existing diseases and specific waiting periods from one insurer to another. On ceasing to be an employee/member of the group, the insured may migrate to an Acko retail health policy with continuity benefits, and after maintaining it may port to any other retail product in the market as per law.","display":"Can transfer credits; group member may migrate to Acko retail, then port to another retail product as per law","note":"Application for portability with complete documentation must be received at least 45 days before ceasing to be a member of the group.","quote":"Portability: “Portability” means a facility provided to the health insurance policyholders (including all members under family cover), to transfer the credits gained for, pre-existing diseases and specific waiting periods from one insurer to another insurer. ... Upon the Insured Person ceasing to be an employee/member of the group ... such Insured Person shall have the option to migrate to an approved retail health insurance policy available with Us ... i) Continuity of benefits will be provided for the period based on the number of years of continuous coverage under this Policy with Us. ... After maintaining the retail health insurance policy with Us, the Insured Person may port the policy to any other retail product offered in the market in accordance with applicable law.","sources":[{"clause":"16","heading":"Portability: “Portability”","page":3,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-16"},{"clause":"11","heading":"Portability: Upon the Insured Person ceasing to be an employee/member of the group","page":19,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-11-3"},{"clause":"11(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-11-i"},{"clause":"11(iii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-11-iii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"The wording states renewal terms but does not state lifelong renewal or that there is no maximum renewal age.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewal based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":null,"heading":"II. Specific terms and clauses","page":17,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-ii-specific-terms-and-clauses"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Any Pre-Existing Disease","Suicide or attempted suicide, intentional self-inflicted Injury or acts of self-destruction","engaging in Hazardous Activities","Any External Congenital Anomalies","venereal disease or sexually transmitted disease","AIDS whether or not arising out of HIV","Stem cell implantation/Surgery, harvesting, storage or any kind of Treatment using stem cells.","Dental Treatment, dentures or Surgery of any kind unless necessitated due to an Accident and requiring minimum 24 hours Hospitalization.","Birth control procedures, contraceptive supplies or services","Routine medical, eye examinations, cost of spectacles","Ear examinations, cost of hearing aids or cochlear implants.","Vaccinations except post-bite Treatment.","Treatment for developmental problems including learning difficulties","Treatment received outside India.","Any robotic, remote Surgery or Treatment using cyber knife."],"display":"Permanent exclusions include PED, self-harm, hazardous activities, external congenital anomalies, STD/HIV/AIDS, stem cell treatment, dental treatment, birth control/fertility related services, routine exams/spectacles, hearing aids/cochlear implants, vaccinations except post-bite, developmental problems, treatment outside India and robotic/remote/cyber knife treatment","note":"The wording does not print Excl04 to Excl18 codes for these exclusions; it lists them as policy exclusions for different benefits.","quote":"Any Pre-Existing Disease, or any Injury or condition arising out of a Pre-Existing Disease, or any complication arising therefrom. ... Suicide or attempted suicide, intentional self-inflicted Injury or acts of self-destruction ... Any External Congenital Anomalies or in consequence thereof. ... venereal disease or sexually transmitted disease. ... Acquired Immune Deficiency Syndrome (AIDS) whether or not arising out of HIV ... engaging in Hazardous Activities. ... 1. Stem cell implantation/Surgery, harvesting, storage or any kind of Treatment using stem cells.\n2. Dental Treatment, dentures or Surgery of any kind unless necessitated due to an Accident and requiring minimum 24 hours Hospitalization. ... 4. Birth control procedures, contraceptive supplies or services including complications arising due to supplying services ... 5. Routine medical, eye examinations, cost of spectacles ... 6. Ear examinations, cost of hearing aids or cochlear implants.\n7. Vaccinations except post-bite Treatment. ... 13. Treatment for developmental problems including learning difficulties eg. Dyslexia, behavioural problems including attention deficit hyperactivity disorder (ADHD). ... Treatment received outside India. ... Any robotic, remote Surgery or Treatment using cyber knife.","sources":[{"clause":"4","heading":null,"page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-4-3"},{"clause":"5","heading":null,"page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-5-3"},{"clause":"7","heading":null,"page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-7-3"},{"clause":"9","heading":null,"page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-9-2"},{"clause":"10","heading":null,"page":13,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-10-2"},{"clause":null,"heading":"II. Specific Exclusions (For Benefit 4 mentioned above)","page":14,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-ii-specific-exclusions-for-benefit-4-mentioned-a"},{"clause":null,"heading":"III. Specific Exclusions (For Benefits 5,6,7 mentioned above)","page":14,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-iii-specific-exclusions-for-benefits-5-6-7-menti"},{"clause":"26","heading":null,"page":16,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-26"},{"clause":"27","heading":null,"page":16,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-27"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel during the term by giving 7 days' written notice. For terms up to one year, Acko refunds proportionate premium for the unexpired policy period if no claim was made; for terms more than 1 year, it refunds premium for unexpired policy years where risk coverage has not commenced, but no refund is made if any claim has been admitted, lodged or any benefit availed.","display":"7 days notice; proportionate unexpired premium if term up to one year and no claim; unexpired years if term more than 1 year and risk not commenced; no refund if claim admitted/lodged/benefit availed","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. We Will: ... refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.\nNotwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":"14(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-14-i"},{"clause":"14(a)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-14-a"},{"clause":"14(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-14-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording only points to the Geographical Scope specified in the Policy Schedule / Certificate of Insurance.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days from the date of receipt of the policy document","note":"Available for policies with a term of one year or more.","quote":"A period of 30 days (from the date of receipt of the policy document) is available to the policyholder to review the terms and conditions of the policy.","sources":[{"clause":"12","heading":"Free Look Period","page":19,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-12-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly instalments; 30 days for quarterly/half yearly/annual instalments and renewal","note":"Norm uses the shorter printed grace period. Renewal grace is 30 days.","quote":"The grace period of fifteen days (where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/half yearly/annual instalments) is available on the premium due date, to pay the premium. ... If the policy is renewed during grace period of 30 days, all the credits (sum insured, No Claim Bonus, Specific Waiting periods, waiting periods for pre-existing diseases, Moratorium period etc.) accrued under the policy shall be protected.","sources":[{"clause":"7(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-7-a"},{"clause":"7(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-7-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["monthly instalments","quarterly","half yearly","annual instalments"],"display":"Monthly, quarterly, half-yearly and annual instalments","note":"The modes are stated in the grace period clause.","quote":"where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/half yearly/annual instalments)","sources":[{"clause":"7(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-7-a"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":"The wording says the Schedule or Certificate of Insurance specifies which benefits are in force, but it does not label any covers as optional add-ons for extra premium.","quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"If premium is paid in instalments during the policy period, coverage is available during the grace period. For renewal grace, Acko will not be liable to pay claims that occur during the grace period.","display":"Coverage available for instalment grace; no claim payable during renewal grace","note":null,"quote":"If the premium is paid in instalments during the policy period, coverage will be available for the grace period also. ... However, We will not be liable to pay for any claim occurred during the Grace Period. ... At the end of the Policy Period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits. We will not be liable to pay for any claim arising out of an Injury or Accident that occurred during the Grace Period.","sources":[{"clause":"7(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-7-b"},{"clause":null,"heading":"II. Specific terms and clauses","page":17,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587#c-ii-specific-terms-and-clauses"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Acko Secure Shield Plus - Policy Wordings","pages":33,"fetched_at":"2026-10-17 19:34:24+00","source_url":"https://acko-cms.ackoassets.com/Policy_Wordings_Acko_Secure_Shield_Plus_95bc261aeb.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1587"},{"kind":"prospectus","label":"Acko Secure Shield Plus - Prospectus","pages":12,"fetched_at":"2026-10-17 19:35:27+00","source_url":"https://acko-cms.ackoassets.com/Prospectus_Acko_Secure_Shield_Plus_fcd302df7a.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1636"},{"kind":"cis","label":"Acko Secure Shield Plus - CIS","pages":5,"fetched_at":"2026-10-17 19:34:38+00","source_url":"https://acko-cms.ackoassets.com/CIS_Acko_Secure_Shield_Plus_81bb93d55d.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324/document/1594"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Acko General Insurance official website","url":"https://www.acko.com/gi","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Car insurance claims","url":"https://www.acko.com/car-insurance/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim process","url":"https://www.acko.com/travel-insurance/claim-process/","note":null},{"purpose":"claim","kind":"insurer","name":"Two-wheeler insurance claims","url":"https://www.acko.com/two-wheeler-insurance/claims/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Health insurance renewal","url":"https://www.acko.com/health-insurance/renewal/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Acko Secure Shield Plus (UIN ACKHLGP24032V012324), IndiaInsurances, https://indiainsurances.com/policy/acko-general-insurance/acko-secure-shield-plus-ackhlgp24032v012324"}