{"uin":"ACKHLGP26037V012526","name":"Acko 360 Protect","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526","insurer":{"slug":"acko-general-insurance","name":"Acko General Insurance Limited","url":"https://indiainsurances.com/insurer/acko-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Acko 360 Protect is a health package policy with hospitalisation, personal accident, OPD, critical illness and optional property, cyber, vehicle, trip and income covers. It has a 30-day initial illness waiting period, a 30-day free-look period and a 60-month moratorium.","analysis":{"state":"machine","analysed_at":"2026-10-19 17:54:23.498928+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 list benefit categories and optional covers, but do not state named 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 policy says it is valid for the period specified in the Schedule or Certificate of Insurance, but no fixed policy term is printed in the provided documents.","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":"For planned hospitalization, intimate at least 3 days before the planned admission. For emergency hospitalization, intimate within 48 hours of admission and not later than discharge.","display":"Planned hospitalization: at least 3 days before admission; emergency hospitalization: within 48 hours of admission but not later than discharge","note":"Other optional covers require notice immediately and within the number of days specified in the Policy Schedule/Certificate of Insurance.","quote":"i. In the case of Planned Hospitalization - The Insured Person will intimate such admission at least 3 days prior to the planned Date of Admission.\nii. In the case of Emergency Hospitalization - The Insured Person will intimate such admission within 48 hours of such admission but not later than discharge from the Hospital.","sources":[{"clause":null,"heading":"3. Claim Intimation","page":53,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-3-claim-intimation"}],"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":["Claim Form duly filled and signed","Copy of Photo ID of Insured Person verified by the Hospitals","Original discharge/death summary","Operation theatre notes (if applicable)","Original Hospital main bill and break up bill","Original investigation reports, X Ray, MRI, CT Films, HPE","Medical Practitioner’s reference slips for investigations/pharmacy","Original pharmacy bills","MLC/FIR report/post mortem report (if applicable and conducted)","Any other information relevant to the Injury/Hospitalization/illness"],"display":"Claim form, photo ID, discharge/death summary, OT notes if applicable, bills, investigation reports, reference slips, pharmacy bills, MLC/FIR/post mortem if applicable, and other relevant information","note":"The same clause says Acko may call for additional documents/information based on the claim circumstances.","quote":"List of necessary claim documents to be submitted for reimbursement are as following: i. Claim Form duly filled and signed\niii) Copy of Photo ID of Insured Person verified by the Hospitals\niv) Original discharge/death summary\nv) Operation theatre notes (if applicable)\nvi) Original Hospital main bill and break up bill\nvii) Original investigation reports, X Ray, MRI, CT Films, HPE\nviii) Medical Practitioner’s reference slips for investigations/pharmacy\nix) Original pharmacy bills\nx) MLC/FIR report/post mortem report (if applicable and conducted)\nxi) Any other information relevant to the Injury/Hospitalization/illness","sources":[{"clause":"13(III)(a)","heading":null,"page":56,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-13-iii-a-2"}],"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":"The Company shall settle or reject a claim within 15 days. Admitted claims are paid within 15 days of submission of all necessary documents and information, and delay attracts interest at 2% above the bank rate from intimation until payment.","display":"Settle or reject within 15 days; admitted claim paid within 15 days of all necessary documents; delay interest 2% above bank rate","note":null,"quote":"i) The Company shall settle or reject a claim, as the case may be, within 15 days. ... b) We shall make the payment of claim that has been admitted as payable by Us under the Policy within 15 days of submission of all necessary documents and information and any other additional information required for the settlement of the claim. ... In the event the claim is not settled within 15 days of the stipulated time, We shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of intimation till the date of actual payment.","sources":[{"clause":"3(i)","heading":null,"page":48,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-3-i"},{"clause":"13(III)(b)","heading":null,"page":64,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-13-iii-b-10"},{"clause":"13(III)(e)","heading":null,"page":65,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-13-iii-e-2"}],"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":["Pre-Existing Diseases-Code-Excl01","Specified Disease/Procedure Waiting Period-Code-Excl02","30-day waiting period (Code-Excl03)","Investigation & Evaluation (Code- Excl04)","Rest Cure, rehabilitation and respite care (Code- Excl05)","Obesity/ Weight Control (Code- Excl06)","Change-of-Gender treatments (Code- Excl07)","Cosmetic or plastic Surgery (Code- Excl08)","Hazardous or Adventure sports (Code- Excl09)","Breach of law (Code- Excl10)","Excluded Providers (Code- Excl11)","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12).","Refractive Error (Code- Excl15)","Unproven Treatments:(Code- Excl16)","Sterility and Infertility: (Code- Excl17)","Maternity (Code - Excl18)","Treatment received outside India.","Suicide or attempted suicide, intentional self-inflicted Injury or acts of self-destruction"],"display":"Waiting-period exclusions, standard exclusions Excl04 to Excl18, and key specific exclusions including treatment outside India and suicide/self-injury","note":"Only selected major exclusions are displayed; the policy contains additional benefit-specific exclusions.","quote":"1 Pre-Existing Diseases-Code-Excl01 ... 2 Specified Disease/Procedure Waiting Period-Code-Excl02 ... 3. 30-day waiting period (Code-Excl03) ... 4 Investigation & Evaluation (Code- Excl04) ... 5 Rest Cure, rehabilitation and respite care (Code- Excl05) ... 6 Obesity/ Weight Control (Code- Excl06) ... 7 Change-of-Gender treatments (Code- Excl07) ... 8 Cosmetic or plastic Surgery (Code- Excl08) ... 9 Hazardous or Adventure sports (Code- Excl09) ... 10 Breach of law (Code- Excl10) ... 11 Excluded Providers (Code- Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12). ... Refractive Error (Code- Excl15) ... 16 Unproven Treatments:(Code- Excl16) ... 17 Sterility and Infertility: (Code- Excl17) ... 18 Maternity (Code - Excl18) ... 14. Treatment received outside India. ... a) Suicide or attempted suicide, intentional self-inflicted Injury or acts of self-destruction, whether the Insured Person is medically sane or insane.","sources":[{"clause":"1","heading":"Pre-Existing Diseases-Code-Excl01","page":37,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-1-3"},{"clause":"2","heading":"Specified Disease/Procedure Waiting Period-Code-Excl02","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-2-3"},{"clause":null,"heading":"3. 30-day waiting period (Code-Excl03)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-3-30-day-waiting-period-code-excl03"},{"clause":"4","heading":"Investigation & Evaluation (Code- Excl04)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-4-9"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care (Code- Excl05)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-5-4"},{"clause":"6","heading":"Obesity/ Weight Control (Code- Excl06)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-6-4"},{"clause":"7","heading":"Change-of-Gender treatments (Code- Excl07)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-7-4"},{"clause":"8","heading":"Cosmetic or plastic Surgery (Code- Excl08)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-8-4"},{"clause":"9","heading":"Hazardous or Adventure sports (Code- Excl09)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-9-3"},{"clause":"10","heading":"Breach of law (Code- Excl10)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-10"},{"clause":"11","heading":"Excluded Providers (Code- Excl11)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-11"},{"clause":"12","heading":null,"page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-12"},{"clause":"15","heading":"Refractive Error (Code- Excl15)","page":40,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-15"},{"clause":"16","heading":"Unproven Treatments:(Code- Excl16)","page":40,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-16"},{"clause":"17","heading":"Sterility and Infertility: (Code- Excl17)","page":40,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-17"},{"clause":"18","heading":"Maternity (Code - Excl18)","page":40,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-18"},{"clause":"1.1","heading":"Specific Exclusion (Applicable for Section 3.1)","page":40,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-1-1"},{"clause":"1.1(a)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-1-1-a"}],"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 queries, contact 1800 266 2256 or hello@acko.com. For grievances, contact 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 IRDAI or the Insurance Ombudsman.","display":"Call 1800 266 2256 or email hello@acko.com; grievance: 1800 210 4990 or grievance@acko.com; then Chief Grievance Officer at gro@acko.com","note":"The policy also gives senior citizen support and then IRDAI/Bima Bharosa and Insurance Ombudsman options.","quote":"For resolution of any query, insured may contact the company on our helpline number 1800 266 2256 or may write an e-mail at hello@acko.com For resolution of grievance, insured may contact the company on our toll-free helpline number 1800 210 4990 ... 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","sources":[{"clause":"6","heading":"Redressal of Grievance","page":49,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-6-5"}],"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 say the Sum Insured is as specified in the Policy Schedule/Certificate of Insurance, but do not print selectable sum insured options.","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":"Not applicable to accident claims, if covered; not applicable if the Insured Person has Continuous Coverage for more than twelve months.","quote":"a) Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":null,"heading":"3. 30-day waiting period (Code-Excl03)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-3-30-day-waiting-period-code-excl03"}],"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-stated","value":null,"display":null,"note":"The policy states the PED waiting period is the number of months specified in the Schedule, but the number is not printed in the provided documents.","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":"not-stated","value":null,"display":null,"note":"The policy states the specific disease/procedure waiting period is the number of months specified in the Schedule, but the number is not printed in the provided documents.","quote":null,"sources":[],"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":["Cataract","Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus unless necessitated by malignancy myomectomy for fibroids","Knee Replacement Surgery (other than caused by an Accident), Non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertebral discs (other than caused by Accident), all Vertebrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis.","Varicose Veins and Varicose Ulcers","Stones in the urinary uro-genital and biliary systems including calculus diseases","Benign Prostate Hypertrophy, all types of Hydroceles","Fissure, Fistula in anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids and any abscess related to the anal region.","Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on tonsils/Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or Surgery.","Gastric and duodenal ulcer, any type of Cysts/Nodules/Polyps/internal tumors/skin tumors, and any type of Breast lumps (unless malignant), Polycystic Ovarian Diseases","Any Surgery of the genito-urinary system unless necessitated by malignancy"],"display":"Cataract, hysterectomy for specified causes, joint and vertebrae disorders, varicose veins, stones, BPH/hydroceles, fissure/fistula/piles/hernia, ENT disorders, ulcers/cysts/polyps/tumors/breast lumps/PCOD, and genito-urinary surgery unless malignancy","note":null,"quote":"f) List of specific diseases/procedures:\ni) Cataract,\nii) Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus unless necessitated by malignancy myomectomy for fibroids,\niii) Knee Replacement Surgery (other than caused by an Accident), Non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertebral discs (other than caused by Accident), all Vertebrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis.\niv) Varicose Veins and Varicose Ulcers,\nv) Stones in the urinary uro-genital and biliary systems including calculus diseases,\nvi) Benign Prostate Hypertrophy, all types of Hydroceles,\nvii) Fissure, Fistula in anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids and any abscess related to the anal region.\nviii) Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on tonsils/Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or Surgery.\nix) Gastric and duodenal ulcer, any type of Cysts/Nodules/Polyps/internal tumors/skin tumors, and any type of Breast lumps (unless malignant), Polycystic Ovarian Diseases,\nx) Any Surgery of the genito-urinary system unless necessitated by malignancy.","sources":[{"clause":"2","heading":"Specified Disease/Procedure Waiting Period-Code-Excl02","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-2-3"}],"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":"sixty continuous months","note":"For enhanced sums insured, the sixty continuous months applies from the date of enhancement for the enhanced limits.","quote":"After completion of sixty 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 sixty continuous months is called as moratorium period.","sources":[{"clause":"10","heading":"Moratorium Period","page":50,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-10-2"}],"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":"A policyholder has the choice to port the policy from one insurer to another and transfer credits for Sum Insured, No Claim Bonus, specific waiting periods, PED waiting period and Moratorium period from the existing insurer to the acquiring insurer.","display":"Yes, with transfer of Sum Insured, No Claim Bonus, waiting-period and moratorium credits","note":null,"quote":"a) A Policyholder has the choice to port his/ her policies from one Insurer to another. ... d) The policyholder is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease , Moratorium period etc from the Existing Insurer to the Acquiring Insurer in the previous policy.","sources":[{"clause":"8(a)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-8-a"},{"clause":"8(d)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-8-d"}],"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 policy says it is ordinarily renewable, but does not state lifelong renewability or absence of a 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":"d) No loading shall apply on Renewals based on individual claims experience","sources":[{"clause":"9","heading":"Renewal of Policy","page":50,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-9-4"}],"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":["Investigation & Evaluation (Code- Excl04)","Rest Cure, rehabilitation and respite care (Code- Excl05)","Obesity/ Weight Control (Code- Excl06)","Change-of-Gender treatments (Code- Excl07)","Cosmetic or plastic Surgery (Code- Excl08)","Hazardous or Adventure sports (Code- Excl09)","Breach of law (Code- Excl10)","Excluded Providers (Code- Excl11)","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12).","Treatments received in health hydros, nature-cured clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error (Code- Excl15)","Unproven Treatments:(Code- Excl16)","Sterility and Infertility: (Code- Excl17)","Maternity (Code - Excl18)","Stem cell treatment","Dental Treatment","Treatment received outside India.","External Congenital Anomaly","Suicide or attempted suicide, intentional self-inflicted Injury or acts of self-destruction","Unlawful Activities","War and hazardous substances","Organ Donor","Hazardous Activities"],"display":"Permanent exclusions include standard Excl04 to Excl18 and product-specific exclusions such as stem cell treatment, dental treatment, treatment outside India, external congenital anomaly, suicide/self-injury, unlawful activities, war and hazardous substances, organ donor costs and hazardous activities","note":"Excl01 to Excl03 are waiting-period exclusions and are not included here.","quote":"4 Investigation & Evaluation (Code- Excl04) ... 5 Rest Cure, rehabilitation and respite care (Code- Excl05) ... 6 Obesity/ Weight Control (Code- Excl06) ... 7 Change-of-Gender treatments (Code- Excl07) ... 8 Cosmetic or plastic Surgery (Code- Excl08) ... 9 Hazardous or Adventure sports (Code- Excl09) ... 10 Breach of law (Code- Excl10) ... 11 Excluded Providers (Code- Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12). ... Treatments received in health hydros, nature-cured clinics, spas or similar establishments ... Dietary supplements and substances that can be purchased without prescription ... 15 Refractive Error (Code- Excl15) ... 16 Unproven Treatments:(Code- Excl16) ... 17 Sterility and Infertility: (Code- Excl17) ... 18 Maternity (Code - Excl18) ... 1. Stem cell treatment: Stem cell implantation/Surgery, harvesting, storage or any kind of Treatment using stem cells. ... 2. Dental Treatment: Dental Treatment, dentures or Surgery of any kind unless necessitated due to an Accident and requiring minimum 24 hours Hospitalization. ... 14. Treatment received outside India. ... 15. External Congenital Anomaly : External Congenital Anomaly or defects, inherited disorders or any complications or conditions arising therefrom including any developmental conditions of the Insured Person. ... a) Suicide or attempted suicide, intentional self-inflicted Injury or acts of self-destruction, whether the Insured Person is medically sane or insane. ... 19. Unlawful Activities: Death or disability/Any illness or Hospitalisation arising or resulting from the Insured Person committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanor or civil commotion with criminal intent. ... 21. War and hazardous substances: Death or disability arising out of or attributable to foreign invasion, act of foreign enemies, hostilities, participation in any naval, military or air-force operation, civil war, public defense, rebellion, revolution, insurrection, military or usurped power, ionizing radiation or contamination by radioactivity from any nuclear fuel ... 23. Organ Donor: Costs of donor screening or costs incurred in an organ transplant Surgery involving organs not harvested from a human body. ... 24. Hazardous Activities: Any Injury caused while engaging in speed contest or racing of any kind","sources":[{"clause":"4","heading":"Investigation & Evaluation (Code- Excl04)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-4-9"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care (Code- Excl05)","page":38,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-5-4"},{"clause":"6","heading":"Obesity/ Weight Control (Code- Excl06)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-6-4"},{"clause":"7","heading":"Change-of-Gender treatments (Code- Excl07)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-7-4"},{"clause":"8","heading":"Cosmetic or plastic Surgery (Code- Excl08)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-8-4"},{"clause":"9","heading":"Hazardous or Adventure sports (Code- Excl09)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-9-3"},{"clause":"10","heading":"Breach of law (Code- Excl10)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-10"},{"clause":"11","heading":"Excluded Providers (Code- Excl11)","page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-11"},{"clause":"12","heading":null,"page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-12"},{"clause":"13","heading":null,"page":39,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-13"},{"clause":"14","heading":null,"page":40,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-14"},{"clause":"15","heading":"Refractive Error (Code- Excl15)","page":40,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-15"},{"clause":"16","heading":"Unproven Treatments:(Code- Excl16)","page":40,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-16"},{"clause":"17","heading":"Sterility and Infertility: (Code- Excl17)","page":40,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-17"},{"clause":"18","heading":"Maternity (Code - Excl18)","page":40,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-18"},{"clause":"1.1","heading":"Specific Exclusion (Applicable for Section 3.1)","page":40,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-1-1"},{"clause":"1.1(a)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-1-1-a"},{"clause":"1.1(b)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-1-1-b"}],"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 at any time during the term by giving 7 days written notice. Acko refunds proportionate premium for the unexpired period for policies up to one year if no claim was made, and refunds premium for unexpired policy years not commenced for policies over one year; no refund is made where any claim has been admitted or lodged or any benefit availed.","display":"7 days notice; proportionate refund for unexpired period if term up to one year and no claim; for terms over one year, refund for unexpired years whose risk has not commenced; no refund if claim admitted/lodged or benefit availed","note":"The Company may cancel on grounds of established fraud by giving 7 days written notice, with no premium refund on cancellation for misrepresentation, non-disclosure of material facts or established fraud.","quote":"I) The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. We Will\na) 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.\nb) 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. ... III) Notwithstanding 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":null,"heading":"6. Special Conditions","page":51,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-6-special-conditions"}],"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":"quote-verified","value":"For hospitalization benefits, treatment received outside India is excluded. The policy also says the overall geographical scope is as specified in the Policy Schedule/Certificate of Insurance.","display":"Hospitalization: treatment received outside India is excluded","note":"The product has non-health covers with their own territorial conditions, so the schedule may still matter for those covers.","quote":"14. Treatment received outside India. ... This Policy applies to events or occurrences taking place in the Geographical Scope specified in the Policy Schedule / Certificate of Insurance.","sources":[{"clause":"1.1","heading":"Specific Exclusion (Applicable for Section 3.1)","page":40,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-1-1"},{"clause":null,"heading":"3. Material Change","page":51,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-3-material-change"}],"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","note":"Available for policies with a term of one year or more, subject to no claim during the Free Look Period for the listed refund treatment.","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":50,"url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1588#c-12-2"}],"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":30},"display":"30 days","note":"Monthly instalments have a 15-day grace period; quarterly, half-yearly and annual instalments have 30 days. Renewal during 30 days protects accrued credits.","quote":"a) 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. ... In case of Renewal: 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":null,"heading":"18. 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higher.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","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 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19:34:28+00","source_url":"https://acko-cms.ackoassets.com/CIS_Acko_360_Protect_abaacfe7bb.pdf","url":"https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526/document/1586"}],"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 360 Protect (UIN ACKHLGP26037V012526), IndiaInsurances, https://indiainsurances.com/policy/acko-general-insurance/acko-360-protect-ackhlgp26037v012526"}