How Much Sum Insured in Health Insurance Do Artists Need?

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Artists can be in varied forms, starting from singers, dancers, painters and more. Even though one may feel that the work of an artist is easy and does not involve any significant health issues, you are wrong. As an artist, you go through a lot of stress as well as accidents in work, that can lead to a hole in the pocket.

Hence, proper health insurance is a necessity that can guarantee the financial protection of an artist during medical emergencies. This blog will give you a clear idea of how to choose the appropriate health plan and what the ideal health insurance sum assured for an artist is.

The Need For Health Insurance For an Artist

To thrive in the industry, professional artists need to consistently improve their skills while dealing with hazards like chemical exposure (for visual artists), physical strains (for performers), and so on. Be it biological agents, chemicals, radiation, or physical elements, these risks are inherent in an artist’s career.

Having proper health policy can safeguard an artist in case of unforeseen medical emergencies, by providing necessary financial and medical support. This support is essential when healthcare costs keep steadily rising with or without considering inflation.

However, with ACKO's health insurance plan, you can cover yourself and your family significantly against difficult health issues and any medical emergencies. The different types of health insurance plans available at ACKO help you get covered as per your financial condition and benefit you whenever you need them.

What Is the Ideal Sum Insured for an Artist in India?

Several factors influence the best health insurance sum for an artist in India. It includes medical history, family size, average income, family size, lifestyle, etc. Furthermore, it would help you to consider your individual situation and needs, to select the perfect health plan.

Ideal Sum Insured for a Single Artist

For an artist, looking to get an individual health plan, the ACKO Standard Health Plan is a great choice. This plan covers a wide range of health care expenses like pre and post-hospitalisation costs, ambulance rides, and so on.

Ideal Sum Insured for an Artist With a Family

ACKO Platinum Health Plan is designed to keep individuals with families who need comprehensive insurance coverage in mind. If you are an artist with a family, you can use the support from this plan's high amount of sum insured during medical emergencies. On the positive side, this plan comes with zero deductions on claim and no waiting period.

Ideal Sum Insured for an Artist With Ageing Parents

Ageing parents are always a concern for every individual as they are prone to illness. To cover the medical expenses in such scenarios, ACKO Platinum Super Top-up Health policy can be a suitable health plan for you. It helps you purchase the plan with or without a base plan.

Ideal Sum Insured for an Artist With Special Needs Family Member

Certain medical conditions need recurring treatment and it can lead to piling up the expenses that eat away the family's savings unpredictably. If you have someone in your family who has special needs, consider purchasing the Unlimited ACKO Platinum Health Plan. It offers high sum insured and the benefit of no waiting period and zero claim deductions.

Check out our different sum insured plans to see which one suits you best!
10 Lakhs health inurance	25 Lakhs Health Insurance	50 Lakhs health insurance	1 Crore health insurance	Unlimited Health Insurance

How Much Premium Should an Artist Pay For Buying Health Insurance?

Your premium would increase or decrease depending on the coverage you require. Consider the following scenarios to decide for yourself:

For an artist with a spouse (and no children), a health plan that covers basic health care and emergency hospitalisation costs can be ideal.
If you have a family with one or two children, considering an insurance plan that covers maternal and child care along with basic health care is a must.
If you have a larger family, covering each and every family member's health care costs is necessary.

Estimate your health insurance costs with Health insurance premium calculator

Factors to Consider While Getting Health Insurance for an Artist

Being in the insurance industry ourselves we can provide an appropriate guide to health insurance for an artist:

Opt for health insurance when you are 20 to 30 years old so that you are healthy and have to make fewer claims.
Research thoroughly, compare various insurance providers and their products, and choose the best one you find.
Be particularly aware of the inclusions and exclusions of a plan you are purchasing.
Ensure your plan has coverage for risks you can face in your work environment.
Make sure that an abundance of network hospitals are available.
Look for coverage for specific treatments and diseases, day-care procedures, alternative treatments, new-age treatments, etc.
Have a solid understanding of the policy premium and sum insured.

What Benefits Do I Get for Choosing ACKO?

If you take the time to compare numerous popular plans and compare them side-by-side with ACKO's health plans you can discover the additional benefits. Before you buy health insurance for an artist we recommend you to carry out this comparision. Here are some of the features of ACKO's health insurance plans to provide you with a basic idea:

ACKO Standard Health Plan

Cashless hospitalisation at 14,300+ pan India network hospitals
Rs. 10 lakhs, 25 lakhs, 50 lakhs, and 1 crore of high sum insured options
60 days of pre-hospitalisation expenses
120 days of post-hospitalisation expenses
ADD-ons (Doctor on call, non-medical expenses, room rent waiver)

ACKO Platinum Super Health Top-up Plan

Rs 10 lakhs, Rs. 25 lakhs, Rs. 50 lakhs, Rs. 1 crore, and unlimited sum insured
Emergency evacuation coverage (Domestic)
Useful built-in add-ons
Critical illness coverage
0% copay

ACKO Platinum Health Plan

Zero waiting period
Sum insured (1 crore, unlimited sum insured)
Cashless hospitalisation at 14,300+ pan India network hospitals
Zero deduction on claims
ADD-ons (Doctor on call, non-medical expenses, room rent waiver)

Why Is Raising Claims Easier With ACKO Policies?

Our customer's well-being has been our top priority. Our customer-centric policies make it easy for us to provide the best experience to our customers be it arranging preventive care measures or making the process of raising claims hassle-free. We also encourage customers to use the ACKO app which is really a one-stop solution for your insurance needs from buying a policy to renewing it, and raising claims.

Enhance your health insurance by exploring these unique benefits
Family Physician	Road Ambulance Limit	Unlimited Sum Insured	OPD Cover	Room Rent Limit

Wrapping It Up!

Artists play an indispensable part in societies' overall development. Be it a hazardous work environment, lifestyle, or any unpredictable factor, an artist should not let it affect their financial stability or fail to take the best medical care when it is necessary.

As you have a clear idea of what the ideal health insurance sum assured for an artist is, it is time for you to navigate the site and select a suitable health plan.

Frequently Asked Questions

Here are some of the frequently asked questions about health insurance for artists.

Who is eligible to buy a super top-up health insurance?

If you are eligible to buy a regular health plan you can also buy a super top-up health plan. You can buy such plans just to be on the safe side in case your treatment costs go beyond what your standard plan covers.

Can I buy a super top-up without a base policy?

Yes, even without a base policy you can purchase the ACKO Platinum Super Top-up Health plan.

Does the ACKO Standard Health Plan cover pre-existing diseases?

If you have not disclosed your pre-existing diseases the plan will not cover them. To avoid claim issues, it is crucial to disclose every pre-existing condition. Waiting period apply to these plans.

Can I purchase the plan online?

After you research, weigh up, and choose a plan that matches your needs you can go through our fast and efficient online process and have the plan from the comfort of your home.

Are medical tests mandatory for every policyholder?

To get coverage under ACKO health insurance plans it is mandatory to go through tests only if your age is over 18 years.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.