How Much Sum Insured In Health Insurance Is Needed for a Chef?

The majority of people think that chefs are responsible for cooking beautiful delicacies in restaurants. However, along with cooking, they are responsible for planning menus, supervising the kitchen, preparing the meal, and a lot more. 

The demanding nature of their profession includes long shift hours, physical exertion, and exposure to various hazards and dangerous kitchen equipment. Henceforth, if you are a chef, then you must consider buying a health insurance plan that includes comprehensive coverage.

Here you will get a comprehensive idea about health insurance sum assured for a chef.

The job role of a chef involves long hours on their feet and working with sharp and big kitchen equipment. Other than the physical labour, they often work under intense pressure in order to maintain high quality and meet customer demands. Eventually, this immense stress often leads to stress-related health issues, gastrointestinal diseases, cardiovascular diseases, etc. 

Additionally, medical costs are increasing day by day due to inflation. Not only healthcare expenses but all other aspects of the life of an individual are affected due to the inflation rate. However, buying a Health Insurance plan can be beneficial as it will provide financial backup and protection during any unforeseen medical emergencies. 

ACKO health insurance plan comes in varied ranges to meet every requirement of different individuals including chefs. Ranging from medicine expenses to pre/post-hospitalisation expenses.  

On average, every individual including a chef must invest 50% of their yearly income in insurance plans. For instance, if you are earning Rs. 2 Lakhs per year, then you should invest Rs. 1 Lakh in your yearly insurance plans. 

However, every individual has a different set of requirements to cover in their health insurance package. Some of the important factors you must consider while choosing the sum insured are your family size, medical history, lifestyle, and coverage you need. 

A single individual must look for a health insurance plan which covers a substantial sum insured along with basic medical coverage. Standard Health Plan are the best health insurance plans for a chef living all by himself. This plan offers a sum insured ranging from Rs. 10 Lakhs to Rs. 1 Crore. Additionally, it provides various useful add-ons like room rent waivers, non-medical expense coverage, etc.  

In case you have a family of three, then you would require a higher sum insured to safeguard your whole family during any medical emergencies. Speaking of which, ACKO Platinum Health Plan offers unlimited sum insured to their policyholders. Besides, this plan comes with zero waiting periods and along with zero deductions on claims. 

Aged people require additional health coverage like pre-existing disease coverage, chronic illness treatment coverage and a lot more. Henceforth, if you have elderly parents in your family, then go for ACKO Platinum Super Top-up Health Insurance Plan to get a high sum insured.

Besides, it provided coverage for critical illness, multiple ambulance trips, etc. Alternatively, you can choose the ACKO Standard Health Plan for a substantial sum insured and inclusions. 

Choosing the right sum insured for a chef with a special needs family member involves a few important considerations like existing medical conditions, frequency of doctor's check-ups, etc. 

For such a family, the Unlimited ACKO Platinum Health Plan is ideal as it offers an unlimited sum insured. Additionally, it covers ICU fees, daycare treatment, pre/post-hospitalisation costs, domestic evacuation, etc. 

Yes, health insurance is free of cost in India but only under the Ayushman Bharat Yojna scheme. Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PMJAY) or Ayushman Bharat National Health Protection Scheme (NHPS) was launched on 23^rd September 2018. 

The primary aim of this scheme is to provide free of cost health coverage to the economically weaker people of India. This was based on the occupational and deprivation criteria of the Socio-Economic Caste Census 2011 for both urban and rural areas. Below are all the inclusions of the Ayushman Bharat Yojna health insurance scheme.

Experts suggest that around 10 to 20% of your monthly income should; be invested in insurance plans. Besides, the premium of your health insurance will vary based on a few factors like the sum insured, your age, family size, current health status, and obviously the chosen coverage options. 

For instance, a chef wants to buy a health plan for himself, in that case, he can choose standard health insurance plans. Such plans will offer coverage for all the basic medical expenses and emergencies. 

However, if you are a married individual having 1 kid and spouse, then you must choose a comprehensive health insurance plan. Besides, the maximum claimable amount should be higher so that it can meet every healthcare expense of your whole family. 

Estimate your health insurance costs with Health insurance premium calculator

A chef must have an idea about all the important factors that he or she needs to consider before buying a health insurance plan. 

With the increasing health care expenses, every individual including chefs must have comprehensive health insurance offering a varied range of inclusions. ACKO health insurance plans come with varied benefits along with the following features. 

Raising claims is much easier with ACKO policies as it is the digital-first insurance company. We have leveraged digital technology to streamline and simplify the entire insurance process, offering numerous advantages over traditional insurance providers. The online application serves as a one-stop solution for all your insurance needs. 

From purchasing policies to renewals and even raising claims, everything can be conveniently managed through the ACKO app. Additionally, due to this technological advancement, we can cut out intermediaries which reduces the overhead expenses. This allows us to offer insurance at more competitive rates compared to other insurers. 

Chefs, through their dedication and expertise, contribute significantly to common people's dining experiences. Every chef must consider buying the right health insurance plan as it not only offers financial protection but also peace of mind. Now that you are aware of the importance of health insurance sum assured for a chef, navigate and get a quote instantly for any of the ACKO health insurance plans. 

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.