Updated September 29, 2026 · SumCue Editorial Team
Acko vs MyPhysicianPlan
Acko
Higher score in this comparison
MyPhysicianPlan
What sets them apart
| Compare | AckoReviewVisitVisit | MyPhysicianPlanReviewVisitVisit |
|---|---|---|
| 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. Partners with a live offer in your country come first, then every other brand by score.
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 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.
MyPhysicianPlan
MyPhysicianPlan suits travellers seeking cover across health and travel through a broker setup shown as broker with monthly payments available, with premiums starting at $75. Cover limits run $50K-$200K with eligibility described as up to 99 years, while support runs on phone only, so expectations around contact should be set before applying.
Score breakdown
| Area | Acko | MyPhysicianPlan |
|---|---|---|
| Cost | 9.3HigherRanks 85 of 251 brands on premium from, against a €7.95 median across insurers. | 8.7Premiums start at $75 with monthly payments available for budgeting |
| Offer | 9.2Higher | 8.4Cover spans health and travel with limits of $50K-$200K for medical needs |
| Trust | 8.9Higher | 8.8Operated by MyPhysicianPlan, Inc. based in US with phone contact |
Licences and countries
| Country | Acko | MyPhysicianPlan |
|---|---|---|
| India | IRDAI 157 | Not confirmed |
Additional countries for Acko: 1. Additional countries for MyPhysicianPlan: 1.
What each covers
| 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
How they place
| Ranking | Acko | MyPhysicianPlan |
|---|---|---|
| Insurance | 27 of 627 | 2 of 627 |
| Health insurance | 13 of 200 | 1 of 200 |
| Travel insurance | 16 of 278 | 1 of 278 |
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
- 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
MyPhysicianPlan
Pros
- Cover across health and travel keeps health and travel protection under the same broker arrangement
- Cover limits of $50K-$200K give a clear ceiling for planning treatment costs abroad
- Eligibility described as up to 99 years accommodates mature travellers who face tighter age rules elsewhere
Cons
- Support runs on phone only, which limits choice if you prefer chat or email contact
- Cover focuses on health and travel only, so households wanting auto or home cover may prefer AXA
- Premiums start at $75, which sits above TravelSecure at €5 for trip only needs
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
MyPhysicianPlan
Who it suits
- Travellers wanting health plus travel cover in health and travel rather than life cover from Polizza Vita con Bonus
- People who value monthly payments and phone contact via phone over chat led service from AXA
Who should look elsewhere
- Households seeking life cover should consider Polizza Vita con Bonus, which focuses on life rather than health and travel
- Trip only buyers sensitive to entry price may prefer TravelSecure at €5 rather than MyPhysicianPlan at $75
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
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).
MyPhysicianPlan
How much does MyPhysicianPlan cost to start?+
Premiums start at $75 for MyPhysicianPlan cover. The exact amount you pay will depend on the plan options selected, the level of cover chosen and personal circumstances. Monthly payments are available, which can help spread the cost rather than requiring payment in a lump sum.
Can I pay for MyPhysicianPlan in instalments?+
Monthly payments are available with MyPhysicianPlan, which suits travellers who prefer to budget through regular instalments. This structure aligns with its monthly model and can make planning medical and travel protection more predictable. Terms around billing dates and plan changes should be checked before applying.
Other options to compare
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