Acko Parents Health Insurance: Because Your Parents Deserve the Best Medical Care
As your parents grow older, their healthcare needs become more frequent—and significantly more expensive. From chronic conditions like diabetes and arthritis to sudden medical emergencies, the financial burden can be overwhelming if you’re unprepared. This is where Acko Parents Health Insurance comes into play—a policy tailored specifically to cover the medical needs of aging parents with extensive benefits, digital convenience, and affordable premiums.
With Acko Health Insurance, you can safeguard your parents against hefty medical bills and ensure they receive the quality treatment they deserve—without delay and without compromise.
Why Buy Acko Health Insurance for Your Parents?
Most traditional health insurance plans either charge very high premiums for senior applicants or have restrictive conditions, like high co-pays or limited coverage for pre-existing conditions. In contrast, Acko’s Parents Health Insurance offers a custom-built solution with:
Comprehensive hospitalization coverage
Cashless treatment across 7,000+ hospitals
Support for chronic and age-related conditions
Tax benefits for you under Section 80D
Whether your parents are self-dependent or entirely reliant on you, investing in a solid health insurance plan for them ensures they are protected—and you’re financially stress-free.
Core Features of Acko Parents Health Insurance
| Feature | Description |
|---|---|
| Eligibility | Parents aged 50 years and above |
| Sum Insured | ₹3 lakh to ₹25 lakh |
| Cashless Hospitalization | Across 7,000+ hospitals nationwide |
| Pre & Post Hospitalization | 60 days before and 90 days after hospitalization covered |
| Daycare Procedures | 100+ advanced procedures like cataract, dialysis, chemotherapy, etc. |
| Ambulance Charges | Covered in case of emergency hospitalization |
| Domiciliary Treatment | Covered when hospital admission isn’t possible |
| No Claim Bonus (NCB) | Up to 50% cumulative bonus for claim-free years |
| AYUSH Treatment | Included (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) |
| Digital Claims | 100% paperless through the Acko app or website |
| Free Health Check-ups | Annual preventive health check-ups included |
| Lifelong Renewability | Yes – keep renewing without any age cap |
Benefits of Choosing Acko Health Insurance for Parents
✅ Covers Existing Health Issues
Your parents may already be dealing with diabetes, high blood pressure, or heart conditions. Acko’s plans account for these pre-existing illnesses (after the waiting period) and offer long-term relief.
✅ Paperless and Fast Claims
No need to physically visit offices or submit piles of paperwork. Everything from policy purchase to claims is managed digitally via Acko’s intuitive interface.
✅ Cashless Claims in Emergencies
Immediate hospitalization is possible without arranging upfront cash. Just present the Acko e-card at any partner hospital.
✅ Reasonable Premiums for Comprehensive Coverage
Despite covering senior citizens, Acko maintains cost-effective premiums by eliminating intermediaries and optimizing digital processes.
✅ Room Rent Flexibility
Unlike many insurers, Acko offers optional add-ons that remove sub-limits on room rent—letting your parents recover in a private or semi-private room of their choice.
Health Conditions Covered for Parents
Diabetes and its complications (neuropathy, retinopathy)
Hypertension and related heart diseases
Cataract surgeries and eye treatments
Knee, hip replacements, arthritis
Cancer and critical illnesses
Kidney dialysis and renal issues
Stroke and paralysis rehabilitation
Hernia, gall bladder surgeries
Respiratory illnesses (COPD, asthma)
Exclusions to Know Before You Buy
Though the coverage is extensive, certain exclusions apply:
Treatments during the waiting period for pre-existing diseases
Cosmetic or aesthetic procedures
Self-inflicted injuries
Experimental or unproven medical treatments
Treatment for alcohol/drug abuse
➡️ You can customize the policy with add-ons to reduce exclusions or waiting periods.
Sample Premiums for Acko Parents Health Insurance
| Age of Parents | Sum Insured | Approx. Yearly Premium (per parent) |
|---|---|---|
| 50 – 55 years | ₹5 lakh | ₹9,000 – ₹12,000 |
| 56 – 60 years | ₹10 lakh | ₹14,000 – ₹18,000 |
| 61 – 65 years | ₹10 lakh | ₹18,000 – ₹22,000 |
| 66 – 70 years | ₹5 lakh | ₹20,000 – ₹25,000 |
Note: Premiums depend on city, health status, and chosen riders.
Recommended Add-ons for Parent Policies
Critical Illness Rider: Covers cancer, heart attack, stroke, etc.
OPD Cover: For doctor visits, lab tests, and medicine expenses
Personal Accident Cover: In case of accidental disability or death
Co-pay Waiver: Acko’s plans can offer reduced or no co-pay for older parents
Domiciliary Care: Covers at-home treatments for chronic or acute illnesses
How to Buy Acko Parents Health Insurance in Minutes
Visit the official Acko website or download the app
Enter parent’s age, medical history, and city
Choose the right plan and riders
Make payment online
Instantly receive e-policy with your parents’ digital health card
Claims Process – Seamless and 100% Online
For Cashless Claims
Visit a network hospital
Show the Acko health card or share policy number
Acko coordinates directly with the hospital
No upfront payment needed
For Reimbursement
Get treated at any hospital
Submit bills via the app
Claim processed within 3–7 business days
Acko vs Other Health Insurance Providers for Parents
| Feature | Acko | Star Health | HDFC Ergo | Niva Bupa |
|---|---|---|---|---|
| Online Purchase & Claims | ✅ Yes | ❌ Partially | ✅ Yes | ✅ Yes |
| Premium Affordability | ✅ Affordable | ❌ Expensive | ❌ High | ✅ Moderate |
| Tailored for Parents | ✅ Yes | ✅ Yes | ❌ General Plan | ✅ Yes |
| Co-pay Options | ✅ Flexible | ✅ Mandatory | ✅ Mandatory | ✅ Flexible |
| Network Hospitals | ✅ 7,000+ | ✅ 11,000+ | ✅ 10,000+ | ✅ 9,000+ |
Who Should Buy Acko Parents Health Insurance?
Working professionals caring for aging parents
Individuals with parents over 50 and uninsured
NRIs wanting to insure parents in India
Families transitioning from employer group plans to personal coverage
Final Verdict: Is Acko Parents Health Insurance Worth It?
Absolutely. With its user-first interface, broad medical coverage, and digital convenience, Acko Health Insurance for Parents is one of the smartest investments you can make for your family’s health security. No hidden terms, no paperwork, no middlemen—just simple, accessible, and reliable health insurance tailored for Indian parents.
Let your parents enjoy their golden years without worrying about healthcare costs. Let Acko handle the bills, while you focus on being there for them.
Start now and get Acko Health Insurance for your parents in just 5 minutes—fully digital and 100% secured.