How much sum insured in health insurance is needed for a journalist?

In India, journalism is the backbone of the nation's democracy as it upholds the principles of free speech and expression. A journalist plays a vital role in providing various information to the commoners through different mediums. 

Their job role involves a lot of field work like investigation, reporting, and interviewing. They mostly work for long hours in challenging and high-stress situations. Health insurance for a journalist is a must due to their profession type. In this blog, one will get an in-depth insight into health insurance sum assured for a journalist. 

Journalists often go through varied stressful challenges which make them physically and mentally exhausted. In addition, they also work in places where they get exposed to different aspects which can lead to serious health conditions. 

Life is too unexpected, thus every individual including a journalist must be ready to combat any unexpected medical emergencies. Thus, buying the right health insurance to get a financial backup for you and your family's health is a necessity.

Other than this, inflation has also become a prime cause of purchasing a health insurance policy. High inflation rates in India are not only affecting the healthcare sector but also influencing every aspect of an individual's life, raising healthcare expenses greatly.

ACKO health insurance plans can provide comprehensive medical coverage along with a high sum insured. It will act as a safety net for you and your entire family during times of unforeseen medical emergencies. 

In India, health insurance is not free. However, under the Pradhan Mantri Jan Arogaya Yojana (PM-JAY) scheme, an individual can apply for an Ayushman Bharat card and get free healthcare support. 

This scheme was launched in September 2018, in order to help the weaker economic sections of India. A family gets a sum insured of Rs. 5 Lakhs annually. However, there are a few eligibility criteria to meet in order to get the card thus read below to know some of it.

Stating a fixed premium rate for every journalist is not possible, as everyone has a different set of insurance needs. Thus, the premium amount always varies on a few factors like inclusions, age, previous medical history, family size, deductibles, co-payments, etc. 

For example, a single journalist can opt for a basic health insurance plan as most of them cover basic medical expenses. Whereas, if you have a journalist who wants an insurance plan for his or her entire family, then they have to choose a more comprehensive health insurance package. 

Certainly, the premium amount will be more than the basic plan. Thus, no fixed premium can be stated as it will depend on what inclusions, and coverage you want for you and your family. That’s why buying the right health insurance is important.

Estimate your health insurance costs with Health insurance premium calculator

Below are some of the factors that a journalist must consider before buying a health insurance plan for themselves and their family.

Raising claims with ACKO has become evidently easier and faster due to the ACKO application (online). In India, ACKO is a digital first insurance company that uses the advancements of technology to offer an enhanced user experience. 

Whether you want to buy a new insurance plan or want to file a claim, all can be done with a few clicks. Besides, ACKO is becoming the most preferable insurance company in India as it requires minimal paperwork along with no third-party agents.

Starting from informing the commoner of India to giving voice to the unheard, every journalist acts as a hero in the nation. Thus, they should opt for a comprehensive health insurance plan and secure their future from unforeseen medical emergencies. Now that you are aware of all the health insurance sum assured for a journalist, surf through the website to get an insight of the ACKO health 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.