How Much Sum insured In Health Insurance Is Needed for a Pilot?

As a pilot, your job role is appraisable but also challenging. Pilots serve a big part of the aviation sector, as they are responsible for the safe operation of their aircraft along with the passenger's safety. 

In the last 5 years, around 56 airline accidents took place in India. A pilot might face various unexpected medical emergencies due to their type of profession, such as accidents, anxiety, stress and more. Thus, having the right health insurance sum assured for a pilot is crucial. 

So, do you want to explore more about the need for medical insurance for a pilot, then keep reading the article. 

Having health or medical insurance is a necessity for a pilot as their profession is associated with a varied range of health and life risks. For instance, they work in irregular shift timings, have excessive stress, and might encounter unforeseen physical injuries from accidents mid-flight. 

For such reasons, as a pilot, it is necessary to safeguard you and your whole family (financially) against different medical occurrences. Additionally, the high inflation rate is one more reason why every individual including a pilot should get a health insurance plan. Healthcare expenses are increasing day by day which might bring unexpected financial strain in your pocket.

Buying health insurance for a pilot will give you a financial backup for different medical occurrences. ACKO provides an extensive range of health insurance plans to suit every insurance needs of their customer. Besides, their comprehensive coverage is more than enough for you and your family.

Yes, under Pradhan Mantri Jan Arogya Yojana (PM-JAY), an Indian citizen can get free health coverage from the government. However, one must meet a few eligibility criteria in order to apply for an ABHA ID card online or offline. 

This scheme was launched primarily to provide financial support related to healthcare for economically backward sections of India. To discover some of its features, read below.

Even though you may find a free government scheme useful, it may not be the actual case. Firstly, to be eligible for such schemes, you need to fulfil different eligibility criteria. Apart from that, as the sum insured is only Rs. 5 lakhs, it may not be enough if you are suffering from any chronic disease or health issues. Such schemes also do not cover a lot of hospitals and nursing homes. So in such cases, being covered under a proper and comprehensive health insurance plan can be quite feasible.

The premium amount for health insurance will always differ from one pilot to another as they have varied insurance needs. Some of the factors based on which the premium rate varies are your age, family size, medical history, coverage, etc. 

Among all the factors, family plays a vital role in choosing how much to invest in health insurance. For example, if you live all by yourself, then you would require a basic insurance plan which will provide substantial coverage. 

On the other hand, if you are married and want a comprehensive insurance plan for you and your kid and spouse, then you would need a bit more premium amount towards your health insurance policy to get full coverage of all the remembers. Additionally, if you have a big family with aged parents, then you must consider choosing policies offering high or unlimited sum insured. 

Estimate your health insurance costs with Health insurance premium calculator

The majority of individuals, including pilots, think that having any health insurance is enough to give financial protection to them and their families. However, it is wrong, as choosing the right insurance plan as per your specific needs and requirements is very important. 

Otherwise, your investment in a health insurance policy would not be fully utilised fruitfully. Here are a few factors that you must look into before buying the best health insurance plans for a pilot.

ACKO health plans come with varied comprehensive coverage which makes it a suitable choice. No matter what you need, pre-existing disease coverage or zero co-payment, you will get it all by associating with ACKO.

We understand that long waiting periods can be distressing. Thus we offer zero waiting periods with our ACKO Platinum Health Plans. This means you are financially backed up from day 1 after you buy this plan ACKO. For a better overview, we have listed some of the benefits of having an ACKO health plan. 

ACKO policyholders can easily manage their insurance needs from the ACKO mobile app. It comes with an easy-to-use interface which makes it preferable for the users. 

No matter what you want to do, from buying a new health policy to filing claims, you can do all from the ACKO application. Thus, it has become a one-stop solution for all your insurance needs. Additionally, ACKO is much more cost-effective than other traditional digital insurance providers. 

With the advancements in technology, ACKO eliminated the need for intermediaries which lowered the overall operational costs. Thus, it is much more affordable than other insurance plans. 

Pilots provide a commendable service by ensuring safe air travel for hundreds of passengers every day. As they work in the skies, they should be always ready to combat any unforeseen medical challenges they face. Besides providing adequate financial safety, health insurance will keep you and your family at peace. Now that you are aware of all the health insurance sum assured for a pilot, consider getting an instant quote on the website followed by buying one. 

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.