Acko expands its digital offerings with DriveCam, healthcare, and travel products aimed at prevention and ongoing support, signalling a shift in Indian insurance services.
ACKO has unveiled three products that push the digital insurer further beyond the traditional moment of claim settlement, as it looks to build a broader relationship with customers across motoring, healthcare and travel. The company says the new services are designed to provide support before something goes wrong, rather than only after a loss has occurred, reflecting a wider shift in insurance towards prevention and ongoing assistance.
The first of the new offerings, DriveCam, is a branded dashcam packaged with selected car insurance policies. According to ACKO, the device records from the moment the vehicle starts and can help motorists document disputed accidents, road-rage incidents and traffic fines. The company says the footage stays on the device and the customer’s phone unless the owner chooses to share it, and that the initial rollout will cover private cars up to 10 years old in eight major Indian cities, beginning with new policies and then renewals.
ACKO Clinic takes the same approach into healthcare. The Bengaluru-based service is available only to members and combines access to doctors, health check-ups, diagnostic tests and a dedicated care team. The company says the aim is to spot health risks earlier and make preventive care easier to use, rather than leaving customers to navigate the system only when they are already unwell.
For air travellers, ACKO has introduced AirPass, an annual subscription for domestic flyers. The plan offers a ₹1,500 cash payout if an eligible flight is delayed by more than 90 minutes, along with rebooking discounts of up to ₹3,000 for cancelled or missed flights. ACKO says the product is meant to reduce the stress of routine travel disruption and provide automatic support with minimal effort from the customer.
The launches come as insurers in India compete more aggressively on service as well as price. KPMG India’s 2025 CX Report found that 48% of general insurance customers in the country said they were likely to switch providers, underlining the importance of customer experience in a crowded market. ACKO says its direct-to-consumer model gives it room to spend less on commissions and more on customer-facing services, and the company says its repair and roadside network now handles about 2,500 cars a month, roughly twice its capacity a year earlier. More than 60% of its motor insurance revenue now comes from renewals, suggesting the business is increasingly dependent on retaining customers rather than acquiring them once. ACKO’s founder, Varun Dua, has described the strategy as one built around relationships that extend well beyond claims.
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