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How Much Sum insured in Health Insurance is Needed for a Yoga Instructor?

ACKO health plans offer 100% claim amount, no room rent limits, and coverage for multiple ambulance trips. Get comprehensive health insurance for a Yoga Instructor starting @Rs. 20/per day*

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Home / Health Insurance / How much sum insured in health insurance is needed for a Yoga Instructors

Yoga originated in ancient India. It involves various physical postures, meditation, and spiritual practices. Nowadays, yoga has been a crucial part of everyone's morning workout routine.

Yoga instructors not only guide one on their body postures and ways, but they also ensure a smooth and safe yoga experience. Like any other fitness trainer, yoga instructors should have health insurance. Here, you will get all the information about health insurance sum assured for a yoga instructor.

The Need for Health Insurance for a Yoga Instructor
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Life is unpredictable, and any unexpected medical emergencies can happen to anyone, including yoga instructors. Besides, their job involves many health risks like physical strain or serious injuries. That is why during these emergencies, you must opt for health insurance to get financial security.

In addition, the high inflation rate affects every aspect of an individual's life, including a yoga instructor. In India, medical expenses are rising with time. Thus, buying health insurance is a smart decision to get a financial backup.  

ACKO offers an extensive range of health insurance plans to suit every insurance need of their customers. From a comprehensive to a top-up plan, ACKO offers various plans you can select from at your convenience. In addition, you will get other attractive facilities to enjoy by associating with the ACKO.

What is the Ideal Sum Insured for a Yoga Instructor in India?
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If you wonder about the ideal sum insured for a yoga instructor, you must know there is no definite answer to this question. There are several factors based on which one should choose the sum insured. Some of these crucial factors are family size, age, and medical history. 

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Ideal Sum Insured for a Single Yoga Instructor
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For instance, if you seek a single yoga instructor, the ACKO Standard Health Plan is the ideal choice. This plan offers a sum insured up to Rs. 1 crore. Besides, it comes with zero deductions on claims and a room rent waiver. 

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Ideal Sum Insured for a Yoga Instructor With a Family
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ACKO Platinum Health Plan is one of the best health insurance plans for a yoga instructor with a nuclear family. By choosing this medical insurance plan, you will get a sum insured ranging from Rs. 1 crore to unlimited. Additionally, you will get to enjoy zero waiting periods with this policy. 

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Ideal Sum Insured for a Yoga Instructor With Ageing Parents
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A yoga instructor with aged parents must choose a comprehensive health insurance plan to get optimal health coverage. ACKO Platinum Super Top-up Health Plans allows you to purchase it with or without primary health insurance. However, opt for this top-up plan with the ACKO Standard Health Plan to receive extensive coverage.

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Ideal Sum Insured for a Yoga Instructor With Special Needs Family Member
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There are family members who need special medical needs. For such families, a yoga instructor must consider buying an ACKO Platinum Health Plan with an unlimited sum insured. This plan offers various attractive features and facilities, helping you and your family combat unforeseen medical emergencies.

Note: You should invest in the ACKO health plan, which offers high coverage. It will protect you and your entire family from future medical emergencies. 

Is Health Insurance Free for Yoga Instructors in India?
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In India, there are varied government schemes under which one can get free health coverage for themselves and their family. Among all the schemes, Pradhan Mantri Jan Arogya Yojana (PM-JAY) is India's one of the largest Government-funded schemes, launched on 23rd September 2018. To apply for it, one needs to meet the following eligibility criteria.

PM-JAY Scheme (For Urban)
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PM-JAY Scheme (For Rural)
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Note: One must note that such a scheme does not provide enough sum insured to provide optimal health coverage to a family. 

How Much Premium Should a Yoga Instructor Pay for Buying Health Insurance?
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There is no such definite answer to this question as it solely depends on a few factors like sum insured, inclusions, health plan type, and family size. However, experts suggest every individual, including yoga instructors, invest about 50% of their annual income in varied insurance plans, including medical insurance. 

Among all the factors, family size plays a vital role in varying the premium rate from one person to another. For example, if a yoga instructor is looking for health insurance only for her or himself, a basic medical insurance policy will be enough. 

Whereas, if a yoga instructor has a big family, including aged parents, they must opt for an extensive health insurance policy to safeguard their entire family from unexpected healthcare emergencies. Additionally, they must opt for a large sum insured, like unlimited or similar. 

One choosing the basic plan will have to invest smaller premiums than one choosing the extensive health plan. Thus, stating a fixed premium amount is difficult as it varies from one individual to another. 

Estimate your health insurance costs with Health insurance premium calculator

Factors to Consider While Getting Health Insurance for a Yoga Instructor
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Most people think buying health insurance is enough to protect their near days from unexpected medical emergencies. However, choosing the right plan is very important for an individual, and they must consider the following factors while purchasing a medical insurance policy.

What Benefits do I Get for Choosing ACKO?
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ACKO health insurance plans offer a wide range of benefits as well as a number of add-on coverage options. Take a look at the features of the different ACKO health insurance plans listed below.

ACKO Standard Health Plan
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  • Sum Insured (Rs. 10 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs, and Rs. 1 Crore)
  • Critical Illness Coverage
  • Cashless Hospitalisation
  • Pre & Post-Hospitalisation Expenses

ACKO Platinum Health Plan
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  • Zero Waiting Period (insurance coverage from day 1)
  • Unlimited Sum Insured
  • Zero Deductions at Claim
  • Expensive Medical Treatment Coverage
  • Zero Co-Payment
  • Multiple Add-on Covers

ACKO Super Top-up Health Plan
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  • Sum Insured (Rs. 10L, Rs. 25L, Rs. 50L, Rs. 1 crore, Unlimited)
  • Critical Illness Coverage
  • Multiple Ambulance Trips Coverage
  • Emergency Evacuation Coverage (Domestic)
  • Additional Add-on Covers

Why is Raising Claims Easier With ACKO Policies?
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As a trusted insurance company, ACKO is India's digital-first insurance company to offer a wide array of medical insurance policies at affordable price rates. With technological advancements, ACKO has enhanced its customer's overall insurance experience through the ACKO mobile application. 

The app comes with a user-friendly interface, allowing customers to carry out all their insurance-related activities via the app. From renewing old policies to raising claims with a few clicks, you can seamlessly do it through the ACKO.

Additionally, due to reduced operational costs and the need for third-party agents, ACKO offers all medical insurance plans at much more affordable pricing than traditional insurance providers. Thus, buy health insurance for a yoga instructor with ACKO and get comprehensive health coverage for you and your entire family. 

Wrap It Up!
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Yoga instructors create a safe and nurturing space for their students. Without the guidance of experts, one must not practise varied yoga postures, as incorrect body postures can lead to severe injuries. 

Every individual, including yoga instructors, must invest in proper health insurance policies to safeguard their future from any unwanted financial strain related to healthcare. Now that you are well informed about the health insurance sum assured for a yoga instructor, surf the website and choose the plan to get an instant quote. 

Frequently Asked Questions about Health Insurance for Yoga Instructors
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Here are a few commonly asked questions about health insurance for yoga instructors.

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Is critical illness coverage included in medical insurance for a yoga instructor?

Yes, many health insurance companies, like ACKO provide critical illness coverage under their varied health plans. You must address your insurance needs before buying a health plan. 

What is the sum insured under the Pradhan Mantri Jan Arogya Yojana scheme?

The maximum claimable amount offered under the Pradhan Mantri Jan Arogya Yojana scheme is Rs. 5 lakhs per family (in a year). However, this sum insured is not adequate for an individual with a big family. 

Are there any tax benefits on health insurance for a yoga instructor?

Yes, in India, you can claim tax deductions on the premium you paid toward your health insurance. This tax benefit comes under the Section 80D of the Income Tax Act 1961. 

How many times can a yoga instructor file health claims?

The number of claims you can raise depends on your health plan and the insurance provider's terms. However, ACKO allows their policyholders to make multiple claims within the policy duration. 

Can I apply online for the PM-JAY scheme?

Yes, other than the offline application mode, an applicant can apply for an Ayushman Bharat card online through the government's official website. However, one must meet the eligibility criteria stated above. 

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.