ACKO
Indian digital insurer selling car, bike, health, life and travel cover through its app and website.
Updated · AppBreakup editorial · Web, Android, iOS
Is ACKO free?
No, it's a paid product
- Starting price:
- ₹45 per travel day (travel insurance)
Checked on ACKO's site Nov 8, 2026
Switch from ACKO to
All 3
LICPaid
Niva BupaPaid
Digit InsurancePaid
- Verified facts
- 9 of 9
- Alternatives ranked
- 3
- Approved reviews
- 0
- Visits sent from here
- 0
About ACKO
ACKO is a Bengaluru-based insurer that sells directly online instead of through agents or branches. Through its app and website you can buy and renew car and bike insurance, health cover for yourself, family or parents, term life insurance and travel insurance, then file and track claims in the same place. Motor policies are quoted in a minute or two from your registration number, and health plans pay hospital bills cashless at a large network of hospitals. Its app also has free extras for anyone, customer or not, such as traffic-fine checks, FASTag alerts and pollution-certificate reminders. Pricing depends on the policy, vehicle and person; there is no subscription. ACKO started in 2016 and is aimed at people comfortable doing everything on their phone, which also means no local agent to help in person. It works on Android, iOS and the web, in India only.
Best for: People in India who want to buy and claim car, bike or health insurance entirely online.
ACKO pricing (checked Nov 8, 2026)
Each line is quoted from ACKO's own site, with the page it came from.
Pros and cons
What works
- Car, bike, health, life and travel cover in one app
- Fast online quotes and claim tracking with no agent
- Free vehicle tools such as challan checks and FASTag alerts
Why people leave
- No branch or agent network for in-person help
- Only its own policies, so no side-by-side comparison with other insurers
- Available in India only
ACKO vs LIC, Niva Bupa and Digit Insurance
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
| Attribute | ACKO | LIC | Niva Bupa | Digit Insurance |
|---|---|---|---|---|
| Pricing | Paid | Paid | Paid | Paid |
| Verified price | ₹45 per travel day (travel insurance) | — | — | — |
| Free plan | No | No | No | No |
| Open source | No | No | No | No |
| Self-hostable | No | No | No | No |
| Platforms | Web, Android, iOS | iOS, Android, Web | Web, iOS, Android | Web, Android, iOS |
Top ACKO alternatives
See all 3- 1LIC42.3
Government-owned insurer with a long record and a huge agent network, if you prefer in-person help.
- 2Niva Bupa42.3
Standalone health insurer with a large cashless hospital network and a claims app.
- 3Digit Insurance40.0
Similar online-first motor and health insurer with app self-inspection for claims.
Why people left ACKO
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
No switching stories yet. If you moved away from ACKO, review the app you switched to and tell us why.
Reviews
No approved reviews yet. How we verify reviewers
Write a review of ACKO
ACKO: common questions
What is ACKO?
ACKO: Indian digital insurer selling car, bike, health, life and travel cover through its app and website. Best for people in India who want to buy and claim car, bike or health insurance entirely online. Available for Web, Android and iOS.
Is ACKO free?
No, ACKO is a paid product. Starting price: ₹45 per travel day (travel insurance) (checked on ACKO's own site).
How much does ACKO cost?
ACKO is a paid product. Starting price: ₹45 per travel day (travel insurance); Car insurance: From ₹2,094; Bike insurance: From ₹457; Health insurance: From ₹657 a month. Checked on ACKO's own site, November 2026.
Is ACKO open source?
No, ACKO is not open source.
What platforms does ACKO run on?
ACKO is available for Web, Android and iOS.
What are the best alternatives to ACKO?
The highest-ranked ACKO alternatives right now are LIC, Niva Bupa and Digit Insurance. See the full ranked list for pricing, platforms and verified facts.
ACKO vs LIC: what's the difference?
Both ACKO and LIC are paid products. Both run on Web, Android and iOS.