How Much Sum Insured in Health Insurance Do Photographers Need?

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Journalism, historic preservation and documentation, advertising and marketing, small or large-scale awareness campaigns, we can continue to name such things where photographers play the central role. In this current age, we cannot imagine a world without photographers as a photographer is needed in almost every occasion and work. With a great deal of responsibility, one needs to consider making provisions for their healthcare.

As healthcare costs continue to rise at an alarming rate, it is wise to get a good health insurance plan for photographers. Read on to know the health insurance sum assured for a photographer and other crucial information.

The Need For Health Insurance For a Photographer

The job of a photographer in this day is quite demanding and well-paying, but it also involves a certain degree of risk. As the days pass by, the cost to take care of your health is increasing and if you are not a full-time photographer, it can become difficult to arrange for necessary finances in case of health emergencies. Hence with an optimal health insurance plan, you remain covered effectively with any health emergencies.

The best health insurance plan for a photographer and his/her family could be the one that suits your needs. You and your family can get comprehensive coverage against any health issues or emergencies without facing issues during the claiming process.

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

Several factors determine what the ideal sum insured for a photographer would be. For example, apart from the type of illness or injury, a photographer can expect medical issues from his/her work environment. In such scenarios, as a photographer, you would have to consider your salary, pre-existing health conditions, family size, etc. to get a suitable policy.

The following points would help you get a clearer idea of the ideal sum insured:

Ideal Sum Insured for a Single Photographer

As a photographer, if you are single, it would be best to look for an ACKO Standard Health insurance plan, that provides for basic needs like cashless hospitalisation and medical expenses.

Ideal Sum Insured for a Photographer With a Family

A photographer with a family must consider a plan that offers an unlimited sum insured and covers a wide range of pre and post-hospitalisation expenses. ACKO Platinum Health Plan is a plan that can cover the medical expenses of a large family.

Ideal Sum Insured for a Photographer With Ageing Parents

If you have ageing parents, the ACKO Platinum Super Top-up Health Insurance plan is the best choice to consider. You can opt for it with or without having a primary health insurance policy. This top-up plan offers a sum insured of Rs. 10 lakhs to an unlimited amount.

Ideal Sum Insured for a Photographer With Special Needs Family Member

The Unlimited ACKO Platinum Plan is perfect when it comes to taking care of a family member who has special needs and requires expensive medical treatment. It offers unlimited sum insured for a family member and coverage for high-end 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 Photographers in India?

If you are thinking you can get a free health insurance plan for a photographer, then you are wrong. However, only the government can provide health insurance for free. The health insurance scheme that the government of India launched on 23rd September 2018, named The Pradhan Mantri Jan Arogya Yojana (PMJAY) is such a scheme. Let us take a look at the most important features of this scheme:

Offers cashless healthcare service at hospitals
Includes near about 1,929 procedures
Provides up to 3 days of pre-hospitalisation and 15 days of post-hospitalisation expenses
Across private empanelled public hospitals, offers a cover of up to Rs. 5 lakhs per family per year
Not limited to the number of family members, age and gender

This scheme is very beneficial to individuals, but as it offers a lower sum insured it may not be enough to sufficiently cover what you and your family may need in an emergency.

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

The premium completely depends on your health insurance coverage. A good rule of thumb is having coverage that is half of your annual income. Consider the following scenarios to determine a health plan:

A photographer with a spouse should require coverage for emergency medical treatments and primary health care.
If he/she has a family with children, coverage for child and maternal care is necessary along with basic medical expenses.
If you have a large family, you have to opt for a plan that covers all of their medical requirements.

Estimate your health insurance costs with Health insurance premium calculator

Factors to Consider While Getting Health Insurance for a Photographer

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

Get to know the claim process before buying an insurance.
Check inclusions and exclusions to ensure they cover injuries and illnesses related to your job.
Check the waiting period of each plan.
Look for coverage for daycare procedures, new-age treatments, alternative treatments, room rent limits, and so on.
Have an extensive grasp of the details concerning the premium amount and the coverage.
Find a reliable company by comparing side by side online.
Ensure that you can get cashless medical care from a wide network of hospitals.

What Benefits Do I Get for Choosing ACKO?

Besides getting cost-effective health plans here are some other reasons to consider ACKO’s health insurance plans:

Cashless facilities in hospitals that are not part of ACKO's network
Up to 60 days of pre-hospitalisation costs
Up to 120 days of post-hospitalisation costs
Zero deduction on claims
Provides convenient Add-ons
Covers critical illnesses
Offers coverage for post-birth complications

Enhance your health insurance by exploring these unique benefits
Cashless Health Insurance	OPD Cover	Restore Sum Insured	Daily Hospital Cash Policy	Family Physician

Why Is Raising Claims Easier With ACKO Policies?

First of all, due to our digital-first approach, we can offer photographers some cost-effective health insurance products. Second, our customer-centric policies ensure that we make claim processes straightforward and hassle-free. On top of that, if one uses the ACKO app, they get the one-stop solution for everything concerning insurance (buying to claiming a reimbursement) within a few taps.

Wrapping It Up!

Be it for art, documenting history, spreading knowledge, telling stories, or disclosing secrets of the world photographers have become an indispensable part of humanity. So, it is only fair that the right kind of health insurance is there to protect a photographer and his/her family if medical emergencies take place.

During medical emergencies, a good health policy will provide the most necessary support to the family and the individual. Now that you know what the proper health insurance sum assured for a photographer is, you should navigate this site, choose an ACKO health insurance policy suitable for you and get an instant quote.

Frequently Asked Questions

Here are some of the questions that people frequently ask about health insurance policies for photographers.

What is the difference between the sum assured and the sum insured?

‘Sum assured’ means the amount that is guaranteed after the insured event occurs. Whereas, ‘sum insured’ is the maximum amount your policy will pay out for covered losses.

Can I buy an ACKO health insurance plan online?

Yes, we have a quick and simple online process. From the comforts of your home, you can research, compare and select a plan that suits your needs.

Is health insurance expensive?

Various factors including your health condition, age, the coverage you need, etc. determine the cost of health insurance. During medical emergencies, not having insurance proves to be more expensive in most cases.

What is preventive care in health insurance?

Preventive care includes regular check-ups, various wellness services, immunisations, cancer screenings, etc. (that the health insurance covers) that are designed to detect or prevent health problems before they get more serious.

Does health insurance cover mental health services?

Yes, health insurance plans can cover mental health treatments including counselling and therapy.

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.