# Acko

**Canonical:** https://apis.io/providers/acko/  
**Website:** http://www.acko.com  
**APIs profiled:** 1

Acko (ACKO Technology & Services Private Limited) is an Indian digital-first general insurance company founded in 2016 and headquartered in Bengaluru, Karnataka. Acko sells car, bike, health, term life and travel insurance entirely online, along with group health and personal-accident cover and embedded insurance for partners. It is a portfolio company of Accel. Acko exposes insurance policy certificates to citizens through India's government API Setu / DigiLocker platform (car, health and two-wheeler certificate fetch), and operates a separate enterprise/partner issuance API covering token generation, Loan-Shield, Trip, GIG, Health, House, Credit Life, Fire, Cyber and Electronics products plus policy and claims management.

## Kin Score — 37.0 / 100 (thin)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 37.0).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 55.8 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 37.5 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 48.5 (matched via tags).

## Agent readiness — 26.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **Acko APIs API** — The APIs API from Acko — 3 operation(s) for apis.

## MCP servers (1)

- **Acko MCP Server**

## Agentic access (1)

- **Acko Agentic Access** — 3 operations · 3 acting

## Security (2)

- **Acko Authentication** — apiKey · 2 schemes
- **Acko Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Consumer, Insurance, InsurTech, Financial-Services, Digital Insurance, India, Embedded Insurance

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/acko/). Scores are computed from the provider's own public artifacts under a published rubric.