How Much Sum Insured in Health Insurance Do Librarians Need?

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The library is considered to be a social institution from the immemorial time. Librarians promote literacy and foster lifelong learning in the young minds of India. They assist the readers by navigating them to the right resource in a library. Their profession involves prolonged periods of sitting or standing, which can lead to severe back pain or other health issues.

That’s why buying health insurance for librarians is a smart decision to safeguard your finances from unexpected medical emergencies. In this blog, you will learn about the health insurance sum assured for a librarian.

The Need for Health Insurance for a Librarian

Life is too unpredictable, and serious emergencies can arise, including massive medical expenses. Besides, reports state that librarians often have severe back problems due to the nature of their profession.

Health insurance acts as a financial backup during times of unforeseen medical emergencies. No one wants financial strain in their pocket, and you can avoid it by buying a health plan. Besides, the high inflation rate affects every aspect of an individual's life, including librarians.

Increasing medical expenses is one more reason to get health insurance in today's world. As a reputed insurance company, ACKO offers an extensive range of health plans to suit every insurance need of their valued customers. Additionally, due to the varied range of coverage, ACKO is one of the best health insurance plans for a librarian.

What is the Ideal Sum Insured for a Librarian in India?

An ideal sum insured ranges between Rs. 10 lakhs to a limitless amount. Stating fixed numbers is difficult as every librarian has their own set of insurance needs. Several factors play a crucial role in deciding the sum insured, such as age, coverage, and family size.

Ideal Sum Insured for a Single Librarian

Supposedly, if you are a single librarian looking for a health plan, the ACKO Standard Health Plan is ideal. By purchasing this plan, you will get a sum insured ranging from Rs. 10 lakhs to Rs. 1 crore. Besides, you will get a long list of medical coverage with this policy.

Ideal Sum Insured for a Librarian With a Family

ACKO Platinum Health Plan is one of the best health insurance plans for a librarian with one kid and a spouse. By choosing this plan, you can select a sum insured, ranging from Rs. 1 crore to unlimited. Aside from this, you can enjoy zero deductions on your claims and zero waiting periods.

Ideal Sum Insured for a Librarian With Ageing Parents

In case you have a family, including elderly parents, then you should consider opting for the ACKO Platinum Super Top-up Health Plan to get a high sum insured. Interestingly, ACKO allows you to buy this plan with or without a primary health plan. However, to ensure optimal and comprehensive health coverage, you must purchase the ACKO Standard Health Plan in addition to this top-up health policy.

Ideal Sum Insured for a Librarian With Special Needs Family Member

If you have a family member with special medical needs, buying an ACKO Platinum Health Plan with an unlimited sum insured will be the best option. No matter how much medical expenses you incur, this plan will cover all seamlessly as it offers an unlimited sum insured. In addition, you get 14,300 cashless hospitals to choose from.

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

Note: You must invest in the ACKO health plan, which provides high coverage to safeguard you and your family from unexpected healthcare expenses.

Is Health Insurance Free for Librarians in India?

In India, medical insurance is free under the Pradhan Mantri Jan Arogya Yojana (PM-JAY) scheme. It was launched in 2018 to provide medical coverage to the economically poorer section of India.

To get an Ayushman Bharat card, one must apply for it via online or offline modes. However, the applicant must meet a few of the following eligibility criteria to apply for it successfully.

PM-JAY Scheme (For Rural):

Landless households (working as manual labourers)
SC (Scheduled Caste) & ST (Scheduled Tribe)
Beggars (living on alms)
Manual scavenger families
Families having no individual between 16 to 59 years
Primitive Tribal Communities
Families having one (minimum) physically challenged personnel/no able-bodied adult, etc.

PM-JAY Scheme (For Urban):

Washerman
Gardeners
Mechanics
Repair workers
Sweepers
Sanitation workers
Watchmen
Home-based artisans
Domestic helpers, etc.

How Much Premium Should a Librarian Pay for Buying Health Insurance?

If you wonder how much premium you should pay as a librarian, the answer will depend on your insurance needs and requirements. Multiple factors play a pivotal role in differing the insurance's premium rate to another person, like coverage, family size, sum insured, etc.

Supposedly, if you are a single librarian, a basic health plan offering a sum insured, ranging between Rs. 10 lakhs to Rs. 50 lakhs is more than enough. Whereas, if you have a big family including aged people, you must choose a comprehensive health plan which will suffice every insurance need of your entire family.

The premium rate will differ based on the health plan you choose. If you choose a standard health insurance plan, you have to pay less premium than the person choosing the comprehensive health plan. Thus, you choose the right health insurance plan according to your insurance needs and financial stability.

Estimate your health insurance costs with Health insurance premium calculator

Factors to Consider While Getting Health Insurance for a Librarian

Are you wondering how to choose the right health insurance plan for you and your entire family? In that case, read below. Consider the below-listed factors while buying a health insurance policy.

Sum insured
Hospital network
Claim settlement ratio
Waiting period
Pre & post-hospitalisation coverage
Cashless facilities
Room rent capping
Pre-existing diseases coverage
Claim process
Co-payment clauses
Exclusions, etc.

What Benefits Do I Get for Choosing ACKO?

As a reputed insurance company, ACKO offers an extensive range of health insurance plans. No matter what you need, a basic or a comprehensive plan, we have it all for you. For a better insight, read the below-given features of our health plans.

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?

Unlike traditional insurance companies, ACKO allows their policyholders to carry out almost all insurance-related activities on the ACKO mobile application. Whether you want to raise a claim or renew your old health plan, you can do all from the ACKO online app.

As India's digital-first insurance company, ACKO has simplified every insurance process by eliminating the need for extensive paperwork and third-party agents. It makes ACKO health plans more cost-effective than other insurance companies.

Enhance your health insurance by exploring these unique benefits
Daily Hospital Cash Policy	Accidental Disability Cover	Restore Sum Insured	OPD Cover	Domiciliary Treatment

Wrap It Up!

A librarian acts as a guide and mentor and contributes towards preserving the academic heritage of India. In today's world, health insurance has become a necessity, and you must consider purchasing a health insurance plan according to your insurance needs. Now that you know all about health insurance sum assured for a librarian, navigate and buy one now.

Frequently Asked Questions About Health Insurance for Librarians

Here are some of the frequently asked questions related to health insurance for librarians.

What is room rent capping in health insurance?

Room rent capping in health insurance sets a maximum limit on the reimbursement amount for hospital room charges. If the room rate exceeds this cap, the policyholder must pay the extra expenses.

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

The sum insured offered under the Pradhan Mantri Jan Arogya Yojana (PM-JAY) scheme is up to ₹5 lakh per family per year. It covers secondary and tertiary healthcare services for eligible beneficiaries.

What do cashless facilities mean in health insurance?

Cashless facilities in health insurance allow policyholders to receive medical treatment at network hospitals without paying for covered services upfront.

Are there any tax benefits on health insurance premiums?

In India, health insurance premiums qualify for tax benefits under Section 80D of the Income Tax Act. It means you will get deductions for the amount paid towards premiums.

What does zero waiting period mean in health insurance?

Zero waiting period in health insurance means coverage starts immediately upon policy activation. It allows policyholders to access benefits without any waiting time.

_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.}