How Much Sum Insured in Health Insurance Do Architects Need?

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From colonial times, architects have played a crucial role in upgrading Indian architecture with the perfect blend of beauty and practicality. With their immense creativity, they merge technological advancements and elegance to make beautiful buildings.

Their work involves a lot of mental stress, which can result in varied chronic medical conditions. Hence, every individual, which includes architects, must opt for a health plan for themselves and their loved ones. In this blog, you will get an overview of health insurance sum assured for an architect.

The Need for Health Insurance for an Architect

Life is too unpredictable, and anything can happen at any time. Apart from the healthcare sector, inflation affects every aspect of an individual's life. Moreover, architects work on and off the field as sometimes they visit construction sites. Such areas have various sharp and dangerous equipment, which can cause accidents and financially drain the architects when treating themselves in hospitals.

Hence, to avoid unexpected medical emergencies, buying the right health insurance policy is a must to get financial assistance during medical emergencies.

As a trusted insurance company, ACKO offers a wide array of health plans to suit every insurance need of their valued customers. In addition, it offers affordable health plans with a high sum insured, making ACKO health plans one of the best health insurance plans for an architect.

What is the Ideal Sum Insured for an Architect in India?

Every architect has different insurance needs, indicating no fixed ideal sum insured. There are several factors, like your age, family size, and medical history, helping to decide the sum insured for the health insurance of an architect. However, your age plays a crucial role in figuring out the ideal sum insured.

Ideal Sum Insured for a Single Architect

If you seek health insurance as a single architect, ACKO Standard Health Plan is the best as it offers a substantial sum insured, ranging from Rs. 10 lakhs to Rs. 1 crore. It provides zero deductions of your claims, along with a room rent waiver.

Ideal Sum Insured for an Architect With a Family

For an architect with a nuclear family, the ACKO Platinum Health Plan is ideal as it offers a sum insured ranging from Rs. 1 crore to unlimited. You will also get attractive add-on covers along with 14,300 cashless hospitals to choose from. In addition, this plan allows its policyholders to enjoy the benefits of zero waiting periods.

Ideal Sum Insured for an Architect With Ageing Parents

If your family consists of aged parents, the ACKO Standard Health Plan plus the ACKO Super Top-up Health Plan are the best options. Having these plans together ensures you have an adequate sum insured, which will provide coverage to you and your entire family. Nevertheless, you must note that one can buy an ACKO Super Top-up Health Plan with or without a primary health insurance policy.

Ideal Sum Insured for an Architect With a Special Needs Family Member

If you are an architect with a family member who needs special medical care, the ACKO Platinum Health Plan with an unlimited sum insured is the right choice. It provides an unlimited sum insured and ensures you get multiple built-in add-ons and other expensive medical treatment coverage. Moreover, when you opt for this plan you will get zero co-payment facility to enjoy.

However, you must invest in the ACKO health plan, which provides high coverage to safeguard you and your family from unforeseen medical emergencies.

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

Is Health Insurance Free for Architects in India?

In India, an individual can get free health insurance coverage from the Government of India under the Pradhan Mantri Jan Arogya Yojana scheme. The scheme was launched on 23rd September 2018, aiming to provide medical coverage to the economically lower sections of India.

One can easily apply for this scheme via online or offline modes. For a better insight, go through the below-listed features of the PM-JAY scheme.

Rs. 5 Lakhs sum insured per family (annually)
Procedures Covered: 1400
Pre-hospitalisation expenses: Up to 3 days
Post-hospitalisation expenses: Up to 15 days
Cashless Facilities: Yes
PAN India Coverage: Yes
Age Limit: None

However, the health insurance plan has a limited sum insured coverage of Rs. 5 lakhs, which you cannot utilise for expensive medical treatments. Hence, you must go for a plan with high coverage to enjoy the benefits of expensive medical treatments during emergencies.

How Much Premium Should an Architect Pay for Buying Health Insurance?

The premium rate differs from one architect to others due to several factors like coverage, sum insured, and other add-on covers. Moreover, due to varied family sizes, the premium amount varies.

Supposedly, if you are a single architect looking for health insurance, you must go with a standard health plan. The plan usually has a substantial sum insured that covers all your medical expenses.

On the other hand, an architect with a big family must have comprehensive medical coverage, so it suffices all your family's insurance needs along with you. Hence, if you choose the basic plan, you will have to pay less premium than opt for an extensive medical coverage plan.

Estimate your health insurance costs with Health insurance premium calculator

Factors to Consider While Getting Health Insurance for an Architect

Most people think buying health insurance is enough. Nevertheless, choosing the right medical insurance plan for you and your family is a must to ensure optimal protection against any unforeseen healthcare emergencies. Here are some of the factors, which you must consider while buying a health plan.

Inclusions
Sum insured
Network of hospitals
Waiting period
Co-payment clause
Room rent capping
Deductions on claims
Hospitalisation coverage
Cashless claims
Claim process, etc.

What Benefits Do I Get For Choosing ACKO?

ACKO offers an extensive range of health insurance plans to suffice every insurance need of their customers. In addition, you will get to enjoy varied additional add-on covers. Let us look at some of the significant features of the various health plans ACKO offers to their valued customers.

Features of ACKO Standard Health Plan

Sum insured: Rs. 10 lakhs, Rs. 25 lakhs, Rs. 50 lakhs, & Rs. 1 crore
Cashless hospitalisation: 7100 + hospitals
Deductions on claims: Zero
Pre-hospitalisation expenses: Up to 60 days
Post-hospitalisation expenses: Up to 120 days

Features of ACKO Platinum Health Plan

Sum insured: Rs. 1 crore & unlimited
Cashless hospitalisation: 14,300+ hospitals
Waiting Period: Zero
Deductions on claims: NIL
Pre-hospitalisation expenses: Up to 60 days
Post-hospitalisation expenses: Up to 120 days

Features of ACKO Platinum Super Top-up Health Plan

Sum insured: Rs. 25 lakhs, Rs. 50 lakhs, Rs. 1 crore, Unlimited
Cashless hospitalisation: 14,300+ hospitals
Emergency evacuation coverage: Yes
Critical Illness coverage: Yes
Pre-hospitalisation expenses: Yes
Post-hospitalisation expenses: Yes

Why is Raising Claims Easier With ACKO Policies?

ACKO is India's digital-first insurance company that has revolutionised the way of traditional health insurance procedures. The technological advancement helped ACKO to mitigate the need for intermediate agents and other unwanted operational costs. It makes ACKO health plans much more affordable and convenient than other insurance available in India.

In addition, ACKO has a mobile application which one can use to carry out all of their insurance needs with a few clicks. You can do it all through the ACKO app, such as buying new health plans, filing claims and renewing existing plans.

ACKO application has a user-friendly interface, making it convenient for policyholders to operate. The app requires minimal documentation and paperwork to purchase a new health insurance policy.

Enhance your health insurance by exploring these unique benefits
Cashless Health Insurance	Room Rent Limit	Restore Sum Insured	Daily Hospital Cash Policy	Road Ambulance Limit

Wrap It Up!

An architect plays a significant role in our Indian society by planning beautiful buildings with modern technologies. You must not keep your future at any risk. Hence, you must get the right health insurance according to insurance requirements. Now that you are well informed about the health insurance sum assured for an architect, you can surf through the website and get a quote on your preferred ACKO health insurance plan.

Frequently Asked Questions about Health Insurance for an Architect

Below are the following frequently asked questions related to health insurance for architects.

Are there any tax benefits on the premium paid?

Yes, under Section 80D of the Income Tax Act 1961, an architect can claim tax deductions for the premium paid towards their health insurance policies In India.

Can I increase my sum insured within my policy duration?

Yes, one can increase the sum insured within the policy duration. To do this, you must discuss it with your insurance provider about the same.

What is the co-pay clause in health insurance?

Co-payment is a clause where one insured agrees to bear a specific portion of the incurred medical expenses. It is usually a fixed percentage of the claim amount, which the policyholder pays at the time of a claim.

What is the right age for an architect to invest in health insurance?

There is no specific age to buy health insurance. Hence, it is always better to be protected from any unforeseen medical expenses from a young age.

Is pre-existing disease coverage available for an architect's health insurance?

Yes, ACKO does offer pre-existing coverage under their health plans to meet every insurance need of their valued customers.

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.