How Much Sum Insured in Health Insurance Do Nurses Need?

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Throughout history, nurses have always played a crucial role in healthcare and selflessly served the communities. From providing direct care to patients to laying out necessary knowledge for healthy living, they have become an indispensable part of society. Shoulders that bear such responsibility must also be protected financially in case of medical emergencies.

Be it medical emergencies or any pre-existing conditions that require expensive treatments, it is imperative to get proper health insurance, as healthcare costs steadily rise. In this blog, you will learn about the ideal health insurance sum insured for a nurse and other necessary details.

The Need For Health Insurance For a Nurse

Nursing is undoubtedly a uniquely dangerous occupation. Nurses tackle, on a daily basis, the potential exposure to infectious diseases, back injuries, toxic substances, and radiation. Apart from these, they are also subject to perils such as shift work, stress, and violence at the workplace. It is self-evident that nurses need to be protected financially if he/she faces any medical emergency.

ACKO health insurance plans can be a proper helping hand for a nurse. It offers financial protection against medical emergencies, protects against inflation, cashless hospitalisation and much more.

What Is the Ideal Sum Insured for a Nurse in India?

Various factors determine what will be the ideal health insurance sum insured for a nurse in India. The type of illness/injury, monthly salary, family size, and pre-existing health conditions are some of those factors.

Read the following pointers to get a detailed idea of the ideal sum insured for a Nurse in the country.

Ideal Sum Insured for a Single Nurse

A single nurse should look for a health policy that entails pre and post-hospitalisation, and cashless hospitalisation. Based on that, the best health insurance plan for a nurse would be the standard health plan. It has a maximum claimable amount of Rs. 1 crore and offers great medical coverage.

Ideal Sum Insured for a Nurse With a Family

If you have a family, you must choose a health plan that covers the total treatment cost of all the members of the family. ACKO Platinum Health Plan can be a perfect option, as it covers up to 60 days for pre-hospitalisation and up to 120 days of post-hospitalisation expenses with a high sum insured.

Ideal Sum Insured for a Nurse With Ageing Parents

One can feel the need for health insurance for a nurse and his/her family when the family has ageing parents. To safeguard the unpredictable healthcare emergencies one could benefit from the ACKO Platinum Super Top-up Health Insurance plan that offers a sum insured ranging from Rs. 10 lakhs to an unlimited amount.

Ideal Sum Insured for a Nurse With Special Needs Family Member

In case you have a family member with special needs he/she can gauge how much it costs to continue the treatments. In such cases, the Unlimited ACKO Platinum Plan is the best as it offers an unlimited sum insured and covers high-end medical treatments.

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 Nurses in India?

The Pradhan Mantri Jan Arogya Yojana (PMJAY) is a free scheme that the Indian Government launched in 2018. Apart from this, other government health schemes require a minimal premium and offer health insurance benefits. Some of them are:

Features of government health insurance schemes include:

Maximum coverage up to Rs. 5 lakhs
May or may not include private hospital rooms
Premium of Rs. 100 per month onwards (in case of PM-JAY: fully paid by the government)
Does not include regular health check-ups
Tax benefits are not available

Free or minimal premium health insurance plans are beneficial to a large number of people in India. However as they offer low sum insured, it may not be enough to cover many huge medical emergencies.

How Much Premium Should a Nurse Pay For Buying Health Insurance?

The coverage of your health insurance determines how much premium you have to pay. Go through the following scenarios to make a decision:

A nurse with a spouse and no children would only require coverage for basic health care and emergency medical care.
If you have a child or two you should consider coverage for maternal and child care plus the basic medical care.
For a large family, a plan that covers each member's medical expenses is necessary.

Estimate your health insurance costs with Health insurance premium calculator

Factors to Consider While Getting Health Insurance for a Nurse

One should buy health insurance for a nurse only after considering the following factors:

Compare insurance companies online and choose the best one you find.
Check inclusions and exclusions thoroughly and ensure that they include the illnesses and injuries you are prone to at the workplace.
Have a thorough grasp of the details with regard to premium amount and coverage of insurance.
Get a good idea about the claim process beforehand.
Check coverage for daycare procedures, alternative treatments, specific diseases and treatments, new-age treatments, availability of add-on covers, etc.
The abundance of network hospitals.

What Benefits Do I Get for Choosing ACKO?

ACKO offers a variety of plans that can meet every requirement of a nurse and his/her family. Here are some of the most important features of each ACKO health insurance plan to provide you with a clear idea:

ACKO Standard Health Plan

Critical Illness Coverage
Pre & Post-Hospitalisation Expenses
Cashless Hospitalisation
Sum Insured (Rs. 10 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs, and Rs. 1 Crore)

ACKO Platinum Health Plan

Zero Co-Payment
Rs. 1 Cr and Unlimited Sum Insured
Zero Deductions at Claim
Multiple Built-in Add-ons
Zero Waiting Period
Expensive Medical Treatment Coverage

ACKO Platinum Super Top-up Health Plan

Critical Illness Coverage
High Sum Insured
Multiple Ambulance Trips Coverage
Useful Built-in Add-ons
Emergency Evacuation Coverage (Domestic)

Enhance your health insurance by exploring these unique benefits
Road Ambulance Limit	OPD Cover	Unlimited Sum Insured	Room Rent Limit	Second Opinion

Why Is Raising Claims Easier With ACKO Policies?

Due to our customer-centric policies, it is easier for customers to raise claims and get reimbursements quickly. On top of that, due to our digital-first approach, the process continues to stay hassle-free.

Moreover, we encourage our policyholders to use the ACKO app which is basically a one-stop solution for all your insurance needs.

Wrapping It Up!

Nurses are so much more than caretakers of patients in hospital beds. In all aspects of modern healthcare, nurses promote healthy practices, provide education, help patients heal and share their invaluable expertise. For a nurse and his/her family, it is important to have the peace of mind to continue serving passionately in hazardous conditions.

Proper health insurance helps a nurse to get that piece of mind from a financial security standpoint. Now that you know about the ideal health insurance sum assured for a nurse you can navigate our site and choose a health plan based on your individual scenario.

Frequently Asked Questions

Here are some of the questions that people ask frequently about health insurance for a nurse.

Do health insurance plans for a nurse come with tax benefits?

Yes, ACKO health insurance plans come with tax benefits. If you opt for the old tax regime you will get a tax benefit under section 80D of the Income Tax Act.

Is it good to buy health insurance online?

If you buy health insurance online you can benefit from the opportunities to compare numerous policies pretty easily, get cost-effective offers, enjoy better transparency, and more.

What are the documents necessary to file a reimbursement claim?

You will need to furnish the filled-in claim form, discharge summary, medical bills, original medical reports, and payment receipts to file a reimbursement claim.

Can I buy an ACKO health insurance plan online?

Yes, ACKO offers a fast and easy process that enables you to research, judge, and select the best option for you from the comfort of your home.

What is preventive care in health insurance?

Preventive care is there for detecting and preventing medical problems before they become more serious. Regular check-ups, immunisations, various wellness services, cancer screenings, etc. are part of preventive care.

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.