Updated September 28, 2026 · SumCue Editorial Team
Acko vs MSIG Insurance (Thailand)
Acko
MSIG Insurance (Thailand)
Higher score in this comparison
Acko vs MSIG Insurance (Thailand): the differences
| Compare | AckoReviewVisitVisit | MSIG Insurance (Thailand)ReviewVisitVisit |
|---|---|---|
| Premium from | ₹457 | THB 299 |
| Insurance types | Auto, Motorcycle, Health, Life, Travel, Critical illness | Auto, Travel, Home, Health |
| Cover limit | INR 25 lakh to INR 100 crore (term life) | Up to THB 50,000 hospitalisation benefit (Seasonal Disease plan 'Hot Hit', PP02) |
| Claims channels | Online app and website, Cashless at network garages | Phone, Online claims portal, Email |
| Monthly payments | Yes | Not confirmed |
| Age range | 18 years and above | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- MSIG Insurance (Thailand) scores higher overall: 9.3 vs 9.1.
- Insurance types: only Acko offers Motorcycle, Life, Critical illness.
- Insurance types: only MSIG Insurance (Thailand) offers Home.
- Claims channels: only Acko offers Online app and website, Cashless at network garages.
- Claims channels: only MSIG Insurance (Thailand) offers Phone, Online claims portal, Email.
Our verdict on each
Acko
Acko suits adults in India who want vehicle, health, life and travel cover from one digital insurer, with two-wheeler premiums from INR 457 and monthly payments available. As an insurer rather than a broker, it sets its own prices and settles its own claims.
MSIG Insurance (Thailand)
MSIG Insurance (Thailand) suits households in Thailand that want motor, travel, home and health policies from a single insurer, and claims can start by phone, through the online claims portal or by email. Premiums start at THB 299, and support runs on email, phone and chat.
Score breakdown
| Area | Acko | MSIG Insurance (Thailand) |
|---|---|---|
| Cost | 9.3HigherRanks 85 of 251 brands on premium from, against a €7.95 median across insurers. | 9.1Premiums start at THB 299, ahead of €0 and €25 on entry price. |
| Offer | 9.2 | 9.3Higher |
| Trust | 8.9 | 9.5Higher |
Side by side, item by item
| Insurance types | Acko | MSIG Insurance (Thailand) |
|---|---|---|
| Auto | Yes | Yes |
| Home | No | Yes |
| Life | Yes | No |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Motorcycle | Yes | No |
| Critical illness | Yes | No |
Licences and countries
| Country | Acko | MSIG Insurance (Thailand) |
|---|---|---|
| India | IRDAI 157 | Not confirmed |
| Thailand | Not confirmed |
Additional countries for Acko: 1. Additional countries for MSIG Insurance (Thailand): 1.
How they place
| Ranking | Acko | MSIG Insurance (Thailand) |
|---|---|---|
| Insurance | 27 of 627 | 20 of 627 |
| Health insurance | 13 of 200 | 9 of 200 |
| Car insurance | 11 of 279 | 8 of 279 |
| Travel insurance | 16 of 278 | 12 of 278 |
Every fact side by side
| Fact | Acko | MSIG Insurance (Thailand) |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Acko Technology and Services Limited (CIN U74110KA2016PLC120161) | MSIG Insurance (Thailand) Public Company Limited |
| Headquarters | India | Thailand |
| Founded | 2016 | Not confirmed |
| Support channels | Chat, Phone, Email, Help centre | Email, Phone, Chat, Help centre |
Pros and cons
Acko
Pros
- One insurer covers auto, motorcycle and health, so several policies sit with the same provider
- Monthly payments are available, and support runs on chat, phone and email
- Two-wheeler claims can be started online app and website and cashless at network garages
Cons
- Policies start at a minimum age of 18 years and above, so the audience is adults
- The premium shown at INR 457 is a starting point, and the final price depends on the vehicle and cover chosen
MSIG Insurance (Thailand)
Pros
- Claims open by phone, through the online claims portal or by email: phone, online claims portal and email.
- Motor, travel, home and health sit with a single insurer: auto, travel and home.
- Help runs on email, phone, chat and a help centre: email, phone and chat.
Cons
- Premiums start at THB 299, above €0 at bunq and €25 at Linxea.
- Cover stops at the types listed, auto, travel and home, so life and pet policies sit outside the range.
Who each suits
Acko
Who it suits
- Adults in India who ride a two-wheeler and want a low starting premium
- People bundling vehicle, health, life and travel cover with one insurer
- Seniors among the listed audience, with monthly payments to spread the cost
Who should look elsewhere
- Customers in the UK or Europe, where bunq and bunq Spain serve European markets rather than India
- Shoppers chasing the very lowest entry premium, since Acko ranks 85 of 251 brands on the site
- Anyone wanting life cover alone from a euro policy, since Linxea lists premiums from €25
MSIG Insurance (Thailand)
Who it suits
- Households in Thailand holding a car, a home, health cover or travel plans: auto, travel and home
- Readers who want to open a claim by phone, online or by email: phone, online claims portal and email
- Shoppers who want help across email, phone, chat and a help centre: email, phone and chat
Who should look elsewhere
- Price-first shoppers: bunq and bunq Spain start at €0 and €0, below THB 299 here.
- Readers who want a life or savings product: Linxea starts at €25 and covers a different product line from auto, travel and home.
- Buyers who want cover that travels with them across markets: this insurer sits in TH and writes auto, travel and home.
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
MSIG Insurance (Thailand)
Current offer
Discount code
MSIG Motor insurance: enter promocode MPTT15 to get e-Voucher worth up to 700 THB: e-Voucher up to THB 700
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
Home insurance: enter code Ban15 for 15% off plus Starbucks e-Coupon worth up to 600 THB: 15% off + e-Coupon up to THB 600
Ends 31 January 2027
Source, checked September 26, 2026
Bonus
Special promotion MSIG Trip Easy Plus domestic travel, enter code 18DM, 2 benefits: 2 benefits per policy
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
MSIG Overseas Student travel insurance: enter promocode 18SAVE to get e-Coupon worth up to 1,400 THB: e-Coupon up to THB 1,400
Ends 31 December 2026
Source, checked September 26, 2026
Discount code
Enter promocode 15STB or 15PTT to get e-Coupon / e-Voucher worth up to 1,000 THB for MSIG Travel Easy Plus overseas travel (per trip and annual): e-Coupon / e-Voucher up to THB 1,000
Ends 31 October 2026
Source, checked September 26, 2026
Country by country
| Country | Acko | MSIG Insurance (Thailand) |
|---|---|---|
| India | Yes | No |
| Thailand | No | Yes |
Questions about each
Acko
How much does cover cost?+
Two-wheeler premiums start at INR 457, below the €7.95 median across insurers on the site. The real price depends on the vehicle, the cover chosen and the sum insured, so treat the starting figure as an entry point rather than a quote for every policy.
Can I pay monthly instead of once a year?+
Yes, monthly payments are available on Acko policies, and 89% of the insurers on the site offer the same choice. Spreading the cost can make a larger plan easier to carry, such as term life cover, where the sum insured can run to INR 25 lakh to INR 100 crore (term life).
MSIG Insurance (Thailand)
What is the entry premium?+
Premiums start at THB 299 on the seasonal disease plan, the simplest product in the range. The other lines, auto, travel and home, are priced separately, so that figure sits at the bottom of the range rather than in the middle of it.
Is MSIG a bank?+
No. insurer reads insurer, and the legal entity is MSIG Insurance (Thailand) Public Company Limited, based in Thailand. Policies are underwritten and paid by the insurer itself, so the money sits with a single company rather than a bank.
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