Updated September 28, 2026 · AssureCue Editorial Team
Acko vs MoneyHero
Where Acko and MoneyHero differ
| Compare |  Acko |  MoneyHero |
|---|---|---|
| Premium from | ₹457 | HK$89.49 |
| Insurance types | Auto, Motorcycle, Health, Life, Travel, Critical illness | Travel, Auto, Home, Pet, Life, Critical illness, Health |
| Provider type | Insurer | Comparison site |
| Cover limit | INR 25 lakh to INR 100 crore (term life) | HK$1,000,000 overseas medical expenses (Starr 卓悅遊・尊尚保 travel insurance - Nonpareil) |
| Age range | 18 years and above | No upper age limit on single-trip travel plans |
| Excess from | Not confirmed | HK$2,500 |
| Claims channels | Online app and website, Cashless at network garages | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Acko scores higher overall: 9.1 vs 8.8.
- Founded is lower at MoneyHero: 2013 vs 2016.
- Insurance types: only Acko offers Motorcycle.
- Insurance types: only MoneyHero offers Home, Pet.
Our verdict on each
Acko
Acko suits Indian adults who want one regulated insurer for motor, health, life, travel and critical illness cover with monthly payments. It ranks 81 of 252 brands on starting premium, so the entry price is the trade-off to weigh against the breadth of cover.
MoneyHero
MoneyHero suits Hong Kong residents who want one place to compare quotes across personal insurance lines rather than a single insurer. It is a comparison site, not a risk carrier, and it carries an Insurance Authority (Hong Kong) licence. Travel cover starts at HKD 89.49.
Score breakdown
| Area | Acko | MoneyHero |
|---|---|---|
| Cost | 9.2HigherMonthly payments are available, and the two-wheeler entry point of INR 457 sits above the site median of €8.37. | 8.7Travel premiums start at HKD 89.49 with an excess of HKD 2,500, against a site median of €8.37. |
| Offer | 9.3 | 9.7Higher |
| Trust | 8.9Higher | 8.3 |
Where they rank in our lists
| Ranking | Acko | MoneyHero |
|---|---|---|
| Car insurance | 17 of 393 | 27 of 393 |
| Life insurance | 13 of 261 | 17 of 261 |
| Health insurance | 17 of 215 | 20 of 215 |
| Travel insurance | 23 of 291 | 34 of 291 |
| Critical illness cover | 3 of 65 | 5 of 65 |
Side by side, item by item
| Insurance types | Acko | MoneyHero |
|---|---|---|
| Auto | Yes | Yes |
| Home | No | Yes |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | Yes | No |
| Critical illness | Yes | Yes |
Availability and regulation
| Country | Acko | MoneyHero |
|---|---|---|
| Hong Kong | Not confirmed | |
| India | IRDAI 157 | Not confirmed |
Additional countries for Acko: 1. Additional countries for MoneyHero: 1.
Sources behind this comparison
Acko
- acko.com: 13 facts, checked September 26, 2026
MoneyHero
- moneyhero.com.hk: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Acko | MoneyHero |
|---|---|---|
| Audience | Seniors | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Acko Technology and Services Limited (CIN U74110KA2016PLC120161) | MoneyHero Global Limited (registered in Hong Kong, company number 1864714) |
| Headquarters | India | Hong Kong |
| Founded | 2016 | 2013Lower |
| Support channels | Chat, Phone, Email, Help centre | Email, Phone, Help centre, Chat |
Pros and cons
Acko
Pros
- Monthly payments are available, so premiums can be spread across the year rather than paid up front.
- It is an insurer rather than a broker, so cover sits with the company that sets the terms and pays the claim.
- Cover lines run to INR 25 lakh to INR 100 crore (term life) on term life, alongside motor, health and travel under auto, motorcycle and health.
Cons
- The two-wheeler starting premium of INR 457 ranks 81 of 252 brands, so cheaper entry points exist elsewhere.
- Term life cover is listed as INR 25 lakh to INR 100 crore (term life), which leaves smaller sums on offer alongside the top figure.
- Cover is limited to the lines under auto, motorcycle and health, with home and renters cover not listed.
MoneyHero
Pros
- Travel premiums start at HKD 89.49 with an excess of HKD 2,500
- Compares travel, auto, home, pet, life, critical illness and health cover across travel, auto and home
- Monthly payments are available, since the monthly payment model applies
Cons
- A comparison site quotes rather than underwrites, so cover terms sit with the insurer you pick
- Ranked 145 of 252 on premium from, so entry pricing is mid market
- The overall score of 2.5 out of ten puts cost at 2.5, well below the top of the table
Who each suits
Acko
Who it suits
- Indian adults at or above the entry age of 18 years and above who ride a two-wheeler and want monthly premiums
- People who want a single regulated insurer for motor and life cover rather than separate providers
- Older riders and drivers, since the audience named is seniors
Who should look elsewhere
- Anyone wanting home or renters cover, since auto, motorcycle and health does not list either, where Good Sam Insurance Agency is an alternative
- Readers who want a branch to visit, as contact runs on chat, phone and email
- Buyers set on the lowest entry premium, since INR 457 ranks 81 on this measure
MoneyHero
Who it suits
- Hong Kong households covering several lines at once, from travel to health
- Travellers wanting a single-trip plan with no upper age limit, per No upper age limit on single-trip travel plans
- Seniors shopping for cover, listed in seniors
Who should look elsewhere
- Anyone wanting cover underwritten by one named insurer rather than a quote comparison
- Readers who need motorcycle, renters or landlord lines, which sit outside travel, auto and home
- People who set cover by brand alone and will not read the individual policy terms
Current offers
Acko
Current offer
Discount code
Save as much as INR 80,000 on top-selling cars: up to INR 80,000
New car purchase through ACKO digital showroom (ACKO Drive); savings shown against listed price, T&Cs apply
Source, checked September 26, 2026
MoneyHero
Current offer
Bonus
Free HK$1,500 vehicle inspection when buying car insurance: HK$1,500
MoneyHero pays the used-car inspection fee as part of inspection plus insurance bundle; limited time, T&Cs apply
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 premium discount with code MH: 68折 (32% off)
Apply to the 單次旅遊萬全保 and enter promo code MH; valid until 2026-11-20
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 Friday flash discount with code FLASH: 45折 (55% off)
Purchase the 單次旅遊萬全保 on a Friday and enter promo code FLASH; valid until 2026-11-20
Source, checked September 26, 2026
Country by country
| Country | Acko | MoneyHero |
|---|---|---|
| Hong Kong | No | Yes |
| India | Yes | No |
Questions about each
Acko
What does Acko charge to start?+
The published figure is a two-wheeler premium starting at INR 457. That sits above the site median of €8.37, and Acko ranks 81 of 252 brands on this measure, so cheaper entry points exist elsewhere. Other lines are priced individually once a policy is set up.
Can I pay monthly instead of once a year?+
Yes. Monthly payments are available, and monthly lists monthly as the payment model. That spreads the premium across the year and keeps the cost alongside other monthly bills rather than in one payment, which suits households that budget month by month.
MoneyHero
What does MoneyHero actually sell?+
MoneyHero is a comparison site, so it puts quotes side by side rather than issuing policies. It lists travel, auto, home, pet, life, critical illness and health cover under travel, auto and home. The contract you end up with is with the insurer the winning quote names.
How much does a MoneyHero policy cost?+
Travel premiums start at HKD 89.49 on the cheapest plan listed, against a site median of €8.37. Excess on that plan starts at HKD 2,500, and most brands sit at or below €29.72. Actual pricing depends on the insurer and the cover chosen.
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