{
  "insurer_slug": "acko",
  "insurer_name": "Acko General Insurance",
  "last_updated": "2026-05-16",
  "claim_metrics": {
    "claim_settlement_ratio_pct": 96.31,
    "claim_settlement_ratio_year": "FY 2023-24",
    "complaints_per_10k_policies": 16,
    "complaints_year": "FY 2024-25",
    "incurred_claim_ratio_pct": null,
    "three_year_avg_csr_pct": 96.5,
    "source_irdai_url": "https://irdai.gov.in/document-detail?documentId=6436847",
    "source_secondary_url": "https://joinditto.in/articles/health-insurance/acko-health-insurance-claim-settlement-ratio/",
    "source_complaints_url": "https://algatesinsurance.in/insurance-infographic/health-insurance-claims-complaints-volume/",
    "source_company_url": "https://www.acko.com/health-insurance/claim-settlement-ratio/",
    "notes": "Health-specific CSR from Acko public disclosure (Form NL-37). Complaints metric is 'per 10K claims' from IRDAI FY24-25; comparable proxy for per-10K-policies. Acko also led private GI insurers with 99.91% of claims paid within 3 months in 2023-24. Ditto independently cites 96.50% CSR on a FY22-25 blended basis (consistent with the 96.31% single-year figure)."
  },
  "aggregator_ratings": {
    "insuredekho": {
      "avg_star": 4.5,
      "review_count": 111,
      "url": "https://www.insurancedekho.com/health-insurance/acko/user-reviews"
    },
    "policyx": {
      "avg_star": 4.4,
      "review_count": 2703,
      "url": "https://www.policyx.com/health-insurance/acko-health-insurance/"
    },
    "joinditto": {
      "avg_star": null,
      "review_count": null,
      "url": "https://joinditto.in/articles/health-insurance/acko-health-insurance-review/",
      "note": "Ditto does not publish a numeric star; verdict is 'not recommended as a first choice' — Acko is a relatively new retail-health player (entered retail health 2023) with a limited track record, no restoration benefit, no maternity cover. CSR 96.50% (FY22-25) acknowledged as strong on paper"
    }
  },
  "reddit_sentiment": {
    "subreddit": "IndianFinance / IndiaInvestments",
    "mentions_last_year_estimate": 18,
    "sentiment_overall": "mixed",
    "notable_themes": [
      "India's first fully digital, agent-less general insurer (founded 2016) — appeals to younger / urban buyers",
      "Zero co-payment and no room-rent capping on plans cited as a positive",
      "Recurring complaint: cashless claims refused without clear reason; grievance/support team unresponsive in complex claims",
      "Smaller hospitals sometimes don't recognise Acko on the cashless network",
      "Pre-existing-condition waiting-period / exclusion fine print caught some policyholders off guard at claim time",
      "IRDAI Rs 1 crore penalty (May 2025) on outsourcing/commission norms referenced as a governance concern"
    ],
    "sample_post_urls": [
      "https://www.quora.com/Is-Acko-Health-insurance-reliable-and-good",
      "https://www.beshak.org/forum/post/acko-health-insurance-review/",
      "https://healthinsurancesahihai.com/avoid-acko-health-insurance-policy-read-few-pros-and-cons/",
      "https://joinditto.in/articles/health-insurance/is-acko-health-insurance-good/"
    ],
    "note": "Direct r/IndianFinance / r/IndiaInvestments thread permalinks not surfaced; Quora + Beshak forum + HealthInsuranceSahiHai + Ditto used as community-discussion proxies. mentions_last_year_estimate is an eyeball from search results, not an API count."
  },
  "youtube_coverage": {
    "top_creators_who_reviewed": [
      {
        "creator": "Ditto Insurance",
        "video_url": "https://www.youtube.com/watch?v=Q-4AtsedWPQ",
        "video_title": "Acko Health Insurance *DETAILED REVIEW* 2025 | Acko Platinum, Acko Standard",
        "date": "2025",
        "verdict": "detailed Platinum vs Standard breakdown; good on paper but cautious in practice (new retail-health player)"
      },
      {
        "creator": "Ditto Insurance",
        "video_url": "https://www.youtube.com/watch?v=Eg80QXSjEtI",
        "video_title": "ACKO PLATINUM Health Insurance HONEST Review | Features, Cost & Issues | Detailed Analysis",
        "date": "2025",
        "verdict": "honest review covering features, cost and claim-experience issues"
      },
      {
        "creator": "Ditto Insurance",
        "video_url": "https://www.youtube.com/watch?v=o5sx-H8_5-M",
        "video_title": "Acko Platinum vs Aditya Birla Activ One Max Health Insurance *DETAILED Comparison* 2025",
        "date": "2025",
        "verdict": "head-to-head comparison; Acko competitive on price/digital, Aditya Birla favoured on track record"
      }
    ],
    "overall_youtube_sentiment": "mixed-favourable"
  },
  "in_news": [
    {
      "headline": "IRDAI imposes Rs 1 crore penalty on Acko General Insurance for outsourcing/commission norm violations (Ola Financial Services payments)",
      "url": "https://taxguru.in/corporate-law/acko-general-insurance-penalized-irdai-regulatory-breaches.html",
      "publication": "TaxGuru",
      "date": "2025-05-19",
      "tone": "negative"
    },
    {
      "headline": "IRDAI order in the matter of M/s Acko General Insurance Ltd (Ref: IRDAI/E&C/ORD/MISC/68/05/2025)",
      "url": "https://policyholder.gov.in/documents/37343/365862/Order+in+the+matter+of+M_s+Acko+General+Insurance+Ltd.+Dated19-05-2025.pdf/e7fb52af-45e6-3a0d-c27f-7ad20ad2b1b1?version=2.0&t=1747803830722",
      "publication": "IRDAI (policyholder.gov.in)",
      "date": "2025-05-19",
      "tone": "negative"
    },
    {
      "headline": "Acko revenue grows to ~Rs 2,106 cr (FY24) with net loss narrowing to Rs 670 cr; founder targets profitability by FY27",
      "url": "https://getlatka.com/companies/acko.com",
      "publication": "GetLatka",
      "date": "2025",
      "tone": "neutral"
    }
  ],
  "aggregate_score": {
    "value_0_100": 72.0,
    "letter_grade": "B",
    "headline": "High headline CSR (96.3%) and strong digital experience, but a short retail-health track record, recurring claim-support complaints and a 2025 IRDAI penalty temper the score",
    "computed_at": "2026-05-16",
    "computation_notes": "Canonical INDEX.md formula (NO external-aggregator term — it is not in the formula): 0.40*CSR + 0.20*(100 - min(complaints,50)*2) + 0.15*(avg_star*20) + 0.10*reddit_sentiment + 0.10*youtube_sentiment + 0.05*(news_positive/news_total*100). avg_star = blend of InsuranceDekho 4.5 + PolicyX 4.4 ~= 4.4. complaints = 16 -> 100-32 = 68. reddit = 55 (mixed: digital-first praise vs claim-denial/support complaints). youtube = 60 (substantial Ditto coverage, 'good on paper, cautious in practice'). news_positive/news_total = 0/3 (IRDAI penalty x2 negative, financials neutral) -> 0. Compute: 0.40*96.31 + 0.20*68 + 0.15*88 + 0.10*55 + 0.10*60 + 0.05*0 = 38.52 + 13.6 + 13.2 + 5.5 + 6.0 + 0 = 76.8. Adjusted DOWN to 72.0 for (a) limited retail-health track record (entered retail health 2023), (b) the May-2025 IRDAI Rs 1 crore penalty, and (c) Ditto's 'not a first choice' verdict. Letter grade B per INDEX.md band (A >=85, B >=70)."
  },
  "_data_gaps": {
    "external_escalation_site": "Not used — an external escalation-only review aggregator is excluded from the served schema and the scoring formula",
    "incurred_claim_ratio": "Acko health-specific ICR not separately disclosed in IRDAI FY23-24 standalone form; left null rather than invented",
    "policybazaar_review_count": "Policybazaar does not surface a numeric Acko health rating publicly",
    "reddit_sample_post_urls": "Direct r/IndianFinance / r/IndiaInvestments thread permalinks not surfaced; Quora + Beshak + HealthInsuranceSahiHai + Ditto used as proxies"
  },
  "_research_log": {
    "queries_tried": [
      "Acko health insurance review Policybazaar InsuranceDekho rating Reddit experience",
      "Acko health insurance Reddit r/IndianFinance r/personalfinanceindia review good or bad",
      "Acko health insurance review youtube Ditto 2024 2025 honest review",
      "Acko IRDAI penalty Rs 1 crore May 2025 outsourcing norms news",
      "Acko General Insurance funding valuation profitability news 2025 2026"
    ],
    "couldnt_find": [
      "Direct r/IndianFinance / r/IndiaInvestments thread URLs",
      "Acko health-specific incurred claim ratio (left null)",
      "Policybazaar numeric star rating for Acko health"
    ],
    "added_this_pass": "Populated all 5 missing reputation categories from real WebSearch/WebFetch despite Acko's dynamic policy docs: aggregator_ratings (InsuranceDekho 4.5/111 verified, PolicyX 4.4/2703 verified, Ditto verdict), reddit_sentiment (digital-first praise + claim-support complaints + IRDAI-penalty theme, proxy threads), youtube_coverage (3 Ditto videos, 2 title-verified via WebFetch), in_news (IRDAI penalty TaxGuru + official IRDAI order PDF + financials), aggregate_score (canonical an external-aggregator-free formula, explicit downward adjustment with reasons)."
  }
}