Updated September 29, 2026 · AssureCue Editorial Team
Acko vs MyPhysicianPlan
Where Acko and MyPhysicianPlan differ
| Compare |  Acko |  MyPhysicianPlan |
|---|---|---|
| Premium from | ₹457 | $75 |
| Insurance types | Auto, Motorcycle, Health, Life, Travel, Critical illnessCovers more | Health, Travel |
| Provider type | Insurer | Broker |
| Cover limit | INR 25 lakh to INR 100 crore (term life) | $50K-$200K |
| Age range | 18 years and above | up to 99 years |
| Claims channels | Online app and website, Cashless at network garages | Not confirmed |
Same on both: Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Acko scores higher overall: 9.1 vs 8.7.
- Insurance types: only Acko offers Auto, Motorcycle, Life.
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.
MyPhysicianPlan
MyPhysicianPlan suits you if you want health and travel cover on monthly billing with phone support arranged by a broker, with eligibility up to 99 years, reflected in an overall score of 8.7 for this clear focused personal cover aimed at travellers seeking care access.
Score breakdown
| Area | Acko | MyPhysicianPlan |
|---|---|---|
| Cost | 9.2HigherMonthly payments are available, and the two-wheeler entry point of INR 457 sits above the site median of €8.37. | 8.7Entry pricing starts at $75 with monthly billing available. |
| Offer | 9.3Higher | 8.4Traveller limits run $50K-$200K for the listed health and travel use. |
| Trust | 8.9Higher | 8.8Head office base is in US under a stated corporate identity. |
Where they rank in our lists
| Ranking | Acko | MyPhysicianPlan |
|---|---|---|
| Health insurance | 17 of 215 | 1 of 215 |
| Travel insurance | 23 of 291 | 1 of 291 |
| Business insurance | 14 of 150 | 2 of 150 |
Side by side, item by item
| Insurance types | Acko | MyPhysicianPlan |
|---|---|---|
| Auto | Yes | No |
| Life | Yes | No |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Motorcycle | Yes | No |
| Critical illness | Yes | No |
Where these facts come from
Acko
- acko.com: 13 facts, checked September 26, 2026
MyPhysicianPlan
- myphysicianplan.com: 7 facts, checked September 29, 2026
Every fact side by side
| Fact | Acko | MyPhysicianPlan |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Acko Technology and Services Limited (CIN U74110KA2016PLC120161) | Not confirmed |
| Headquarters | India | Not confirmed |
| Founded | 2016 | Not confirmed |
| Support channels | Chat, Phone, Email, Help centre | Not confirmed |
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.
MyPhysicianPlan
Pros
- Eligibility extends up to 99 years, which helps mature travellers seeking continued cover.
- Focus on health and travel keeps the offer clear if you want health plus travel in a defined place.
- Voice support through phone gives direct contact for cover and claims questions.
Cons
- Cover stays within health and travel, so needs beyond health and travel call for another provider.
- Support runs on phone only, which limits choice if you prefer written contact.
- As a broker, placement depends on partner underwriters rather than direct underwriting.
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
MyPhysicianPlan
Who it suits
- Travellers who want health and travel focus with phone guidance through cover choices.
- Mature travellers who value extended age eligibility and steady monthly budgeting.
Who should look elsewhere
- If you want motor or home cover, consider AXA instead, since MyPhysicianPlan stays within health and travel.
- If you want written service channels, consider die Bayerische instead, since MyPhysicianPlan support runs by phone only.
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
Country by country
| Country | Acko | MyPhysicianPlan |
|---|---|---|
| India | Yes | No |
| United States | No | Yes |
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.
MyPhysicianPlan
What does MyPhysicianPlan cost to start?+
Premium starts at $75 for MyPhysicianPlan cover. Monthly payments are available, so you can spread the cost across the year rather than paying in a lump sum. Exact pricing will depend on your age, cover choice and traveller profile.
Which insurance types does MyPhysicianPlan offer?+
MyPhysicianPlan focuses on health and travel for members and travellers. That means you look here for medical style protection and trip related needs, not for motor, home or pet cover. If you need wider lines, compare a broader provider alongside.
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