Hi RAM,

now I don't know much about acko's plan that you're referring to here, but i can sure tell you that if you add disease management rider in niva 's plan, you will have the BP CONDITION Covered without any waiting period (cooling period of 30 days applies to all companies including acko for new policies).

If acko's premium is the clincher for you, just research more about the company, their infrastructure, their network tie-ups , their client feedback on claim processing and ease of settlement, how about their re-imbursement based claims...that should resolve a lot of your confusion. And if you want to spare yourself the mental effort, might as well, try out our 1-1 consultation and get your trumatch report on health insurance generated absolutely free of charge.

hope this explanation helps

regards

Rana Sahib