Acko Senior Citizen Health Insurance: Tailored Care for Golden Years
Health becomes a priority—not a choice—as we age. From rising medical expenses to age-related illnesses, senior citizens need specialized health insurance coverage that addresses their unique needs. That’s exactly what Acko Senior Citizen Health Insurance is designed to deliver.
With Acko’s digital-first approach, extensive hospital network, and affordable premiums, senior citizens and their families can access peace of mind and top-notch healthcare without financial stress.
Why Acko Health Insurance for Senior Citizens?
Seniors aged 60 and above are more vulnerable to conditions such as heart disease, diabetes, arthritis, respiratory disorders, and even critical illnesses. Regular individual health insurance plans may either exclude them, carry very high premiums, or apply heavy co-payments and waiting periods.
But with Acko Senior Citizen Health Insurance, you get a plan that’s specifically designed for people in their 60s, 70s, and even 80s—with customized features, simplified claims, and optional riders.
Key Features of Acko Senior Citizen Health Insurance
| Feature | Details |
|---|---|
| Eligibility Age | 60 years and above (no upper age cap in select plans) |
| Sum Insured Options | ₹3 lakh to ₹25 lakh |
| Cashless Hospital Network | 7,000+ hospitals across India |
| Pre/Post-Hospitalization | 60 days pre & 90 days post covered |
| Daycare Procedures | 100+ covered (cataract, dialysis, chemotherapy, etc.) |
| Domiciliary Treatment | Covered under specific situations |
| Annual Health Checkups | Available with all plans |
| AYUSH Benefits | Yes (Ayurveda, Yoga, Unani, Siddha, Homeopathy) |
| Digital Claims Process | 100% paperless via Acko app or website |
| No Claim Bonus (NCB) | Up to 50% cumulative benefit for each claim-free year |
| Lifelong Renewability | Yes |
Benefits of Acko Health Insurance for Senior Citizens
✅ Zero Paperwork
Seniors don’t need to worry about lengthy forms or physical documentation. Everything from policy issuance to claim settlement is completely digital.
✅ Cashless Hospitalization
With 7,000+ network hospitals, Acko ensures cashless treatments—just show your e-health card and get admitted without paying upfront.
✅ Affordable Premiums
Despite the higher risk profile of senior citizens, Acko’s technology-driven model helps keep premiums competitive.
✅ Specialized Senior Health Add-ons
Riders like critical illness, personal accident, and OPD coverage can be added to make the policy more comprehensive.
✅ Tax Savings
Enjoy tax deductions up to ₹50,000 under Section 80D of the Income Tax Act by purchasing senior health insurance for yourself or your parents.
Common Health Conditions Covered
Acko Senior Citizen Health Insurance covers hospitalization and treatment for:
Diabetes-related complications
Hypertension & cardiac ailments
Arthritis, osteoporosis, joint replacements
Cataract surgeries
Cancer and chemotherapy sessions
Kidney dialysis and transplants
Prostate, hernia, and other age-related surgeries
Stroke, paralysis, and post-stroke rehab
Exclusions to Keep in Mind
While Acko offers broad coverage, it’s important to note exclusions such as:
Pre-existing illnesses (until waiting period ends)
Non-prescribed alternative treatments
Cosmetic or plastic surgeries
Self-inflicted injuries or substance abuse
Unproven experimental treatments
Note: Some exclusions can be reduced or eliminated via riders.
Sample Premiums for Acko Senior Citizen Health Insurance
| Age Group | Sum Insured | Approx. Annual Premium |
|---|---|---|
| 60 – 65 years | ₹5 lakh | ₹12,000 – ₹15,000 |
| 66 – 70 years | ₹10 lakh | ₹16,000 – ₹20,000 |
| 71 – 75 years | ₹10 lakh | ₹21,000 – ₹26,000 |
| 76 – 80 years | ₹5 lakh | ₹24,000 – ₹28,000 |
Premiums vary based on health history, location, and coverage options.
Optional Riders for Enhanced Protection
Critical Illness Rider – Covers stroke, heart attack, cancer, and more
Personal Accident Rider – Compensation in case of accidental death or disability
OPD Cover – Doctor consultations, tests, and medicines
Room Rent Waiver – Choose any hospital room without cost restrictions
Domiciliary Care – Get treatment at home when hospital admission isn’t feasible
How to File a Claim with Acko for Senior Citizens?
Cashless Claim
Visit an empanelled hospital.
Present your Acko e-card.
Acko verifies and settles the bill directly.
Reimbursement Claim
Get treated at any hospital.
Upload bills and documents on the Acko app.
Get reimbursed within 3–7 working days.
Why Choose Acko Over Others for Senior Health Insurance?
| Feature | Acko | Star Health | Niva Bupa | HDFC Ergo |
|---|---|---|---|---|
| 100% Digital Claims | ✅ Yes | ❌ No | ✅ Partial | ✅ Yes |
| Cashless Network | ✅ 7,000+ | ✅ 11,000+ | ✅ 9,000+ | ✅ 10,000+ |
| Low Premiums | ✅ Affordable | ❌ Higher | ✅ Moderate | ❌ Higher |
| Co-pay Option | ✅ Flexible | ✅ Mandatory | ✅ Partial | ✅ Mandatory |
| Health Checkups | ✅ Included | ✅ Included | ✅ Included | ✅ Included |
Who Should Buy Acko Senior Citizen Health Insurance?
Retired individuals seeking security
Adult children buying coverage for aging parents
Elderly couples without employer health insurance
Seniors managing pre-existing conditions
Anyone over 60 with no active group insurance
Final Thoughts
Your golden years should be stress-free—not spent worrying about rising medical bills. With Acko Senior Citizen Health Insurance, you get tailor-made protection that covers real-world healthcare needs without the complexities or sky-high costs.
Acko makes it easy, digital, affordable, and reliable—so you or your parents can access quality healthcare when it matters most.
Ready to protect your parents or yourself with Acko Health Insurance?
Compare plans, add essential riders, and buy your senior citizen health insurance policy 100% online with zero paperwork today.