How Much Sum Insured in Health Insurance Is Needed For a Construction Worker?

Globally, construction workers are the driving force behind different constructions around the country. Starting from the labour work to execution, they play all the fundamental activities in a construction site. These workers have a high chance of suffering a disabling injury on their job. Hence, such workers must have health insurance to combat any medical expenses arising due to their profession. 

Read below to get a detailed guide about the ideal health insurance sum assured for construction workers.

Health insurance is important for a construction worker due to the inherent risks and hazards associated with the profession like physical injuries, and exposure to hazardous materials. These risks can lead to unexpected medical expenses which would be easy to handle if one has insurance. 

Additionally, inflation affects every aspect of a person's daily life including the cost of medical care. However, with health insurance, construction workers can meet their necessary medical expenses without worrying about the high costs associated with treatment.

A construction worker must consider a few important factors before choosing an ideal sum insured (maximum claimable amount). Primarily, the sum insured should be enough to cover any kind of injury that a construction worker can suffer at a construction site. 

Besides, they must consider things like their age, health conditions, income level, and family size while choosing the right sum insured. To explore the factors in detail, read below. 

A single construction worker must primarily look for a health plan that includes cashless hospitalisation and pre & post-hospitalisation expenses. The plan that needs all medical requirements is the best health insurance plan for construction workers as it provides comprehensive medical coverage. 

A construction worker with a family must choose health plans properly so that they cover the entire medical expenses of all the family members. Look for plans with a high sum insured and features like pre and post-hospitalisation coverage, ambulance cover, no waiting period, no deduction on claims, etc.

In case you have elderly people in your family, then you must consider buying a Super Top-up Health Insurance plan as it allows you to buy it with or without a primary health insurance policy. With this health plan, you will get a back-up for high medical expenses. Hence, buy health Insurance for construction workers to safeguard the unforeseen healthcare emergencies.

While choosing a plan, ensure that the sum insured is enough to cover all medical expenses including those specific to the special needs individual. A high sum insured plan would provide coverage for expensive medical treatments. This health insurance plan is ideal for a construction worker with a special needs family member.

Yes, health insurance is free for low-income earners like construction workers under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY). This scheme was launched on 23^rd September 2018, aiming to provide free health insurance coverage in India. 

Eligibility criteria for the Ayushman Bharat Yojana are set up with pre-conditions to exclusively provide medical insurance to the underprivileged members of society. To explore the features of this government scheme, read below. 

The ideal sum insured for a couple without children or elderly parents should cover their basic healthcare needs and potential medical emergencies like hospitalisation expenses, emergency evacuation expenses, etc. 

On the other hand, for a nuclear family comprising parents and one child, the ideal sum insured should consider the healthcare needs of all family members like maternal and child care along with other basic medical expenses. 

However, in case you have a larger family including elderly parents, spouses, and children, the maximum claimable amount should be enough to cover all the healthcare needs of all.

Estimate your health insurance costs with Health insurance premium calculator.

Below, we delve into the specific factors to consider by construction workers while choosing health insurance to ensure optimal protection and support for their health. 

Finding the right health insurance plan that offers comprehensive coverage without unnecessary hassles can be tough and hectic. However, ACKO Health Insurance plans stand out from the crowd, offering a wide array of unique benefits and features. 

Our health plans are designed to provide enough financial security and peace of mind to policyholders compared to other insurance plans.

Raising claims with ACKO policies is effortless due to our digital-first approach, revolutionising insurance accessibility. The ACKO app serves as a centralised hub which allows our policyholders to easily manage their insurance needs including policy renewals and raising claims. 

ACKO simplifies the claims procedure and minimises paperwork and lengthy waiting times through the advancement of digital technology. Additionally, our digital infrastructure lowers the operational costs compared to traditional insurers.

Construction workers have an immense contribution towards the society's growth and development. A right health insurance plan not only offers financial protection but also provides peace of mind to the construction workers and their families. 

In times of unexpected medical emergencies, such a plan acts as a safety net for an individual. Hence, now that you know about the ideal health insurance sum assured for construction workers, look for a health insurance plan that best suits your medical needs.

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.