How Much Sum Insured in Health Insurance Do Plumbers Need?

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Imagine a life without plumbers! Distressing, right? Plumbers are too crucial for the perfect functioning of Indian society. Without their help, it is difficult to install and repair water and sanitation units in residential and commercial buildings.

Their work profile involves a lot of physical labour, which sometimes leads to various serious health problems. Besides, plumbers use sharp tools and equipment, which can cause varied accidents. Thus, health insurance is a must for plumbers. Want to explore more about health insurance sum assured for a plumber? Read below.

The Need for Health Insurance for a Plumber

Plumbers usually work with sharp tools and dangerous equipment like drill machines, hammers, screwdrivers, etc. Their job profile holds higher health risks than any other profession, and having health insurance for a plumber is a must.

In addition, inflation affects every aspect of an individual's life, including rising health costs. Thus, to avoid any financial strain in future related to unforeseen medical emergencies, get health insurance.

ACKO offers a wide range of health plans to suffice every insurance need of their valued customers. Each plan comes with attractive coverage and additional features, which makes it stand out among regular insurance companies in India.

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

The ideal sum insured for a plumber or any other individual will vary due to numerous factors like family size, medical history, etc. Out of all these factors, family size plays an evident role in making the sum insured vary.

Ideal Sum Insured for a Single Plumber

If you are a single plumber and seek health insurance, you must opt for the ACKO Standard Health Plan. By opting for this plan, you can enjoy a sum insured ranging from Rs. 10 lakhs to Rs. 1 crore. Additionally, this plan comes with a room rent waiver, critical illness coverage, and others.

Ideal Sum Insured for a Plumber With Family

ACKO Platinum Health Plan is the best health insurance plan for a plumber with a family. This health plan offers a sum insured amount ranging between Rs. 1 crore to unlimited. Besides, you will enjoy zero waiting periods and add-on coverage like non-medical expenses, etc.

Ideal Sum Insured for a Plumber With Ageing Parents

For plumbers with families including elderly individuals, the ACKO Platinum Super Top-up Health Plan is ideal as it allows you to buy this plan with or without having a primary health plan. Additionally, buy the ACKO Standard Health Plan to ensure optimal healthcare coverage for you and your entire family.

Ideal Sum Insured for a Plumber With Special Needs Family Member

If a plumber with a family member requires special medical needs, opt for the ACKO Platinum Health Plan with an unlimited sum insured. With this plan, one will get an unlimited sum insured for themselves and their family members.

Is Health Insurance Free for Plumbers in India?

Under the Pradhan Mantri Jan Arogya Yojana (PM-JAY) scheme, a plumber can get free health insurance coverage fully funded by the Indian Government. It was launched in 2018, aiming to provide free of cost medical coverage to economically lower sections of India.

The Indian Government allows the applicants to apply via both online and offline modes. One must meet a few eligibility criteria to get an Ayushman Bharat card. Read along to learn more about the eligibility criteria.

PM-JAY Scheme (For Rural)

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

PM-JAY Scheme (For Urban)

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

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

If you wonder about the right premium amount to invest as a plumber, you must know there are no specific answers. Several factors make the premium rate differ from one plumber to another.

Among all the factors, family size plays a vital role as a single plumber opting for basic health plans will have less premium than someone opting for an extensive plan. For instance, a plumber with a big family of six members will require a comprehensive health plan to cover the insurance needs of the entire family.

Estimate your health insurance costs with Health insurance premium calculator

Factors to Consider While Getting Health Insurance for a Plumber

Choosing the right medical insurance plan is crucial to receive optimal coverage and other adjoining benefits. Thus, if you are confused about which health plan to choose, consider the following factors while purchasing one.

Inclusions
Exclusions
Maximum Claimable amount
Hospitals networks
Pre & post-hospitalisation coverage
Waiting period
Room rent capping
Deductions on claims
Co-payment clause
Cashless facilities
Claim process, etc.

What Benefits Do I Get for Choosing ACKO?

As a trusted insurance provider, ACKO offers an extensive range of health plans to suffice every insurance need of yours. In today's world, ACKO health insurance plans will provide ultimate medical coverage in future. For a better insight, read below the features of varied health plans of ACKO.

Features of ACKO Standard Health Plan

Sum insured: Rs. 10 lakhs, Rs. 25 lakhs, Rs. 50 lakhs, & Rs. 1 crore
Pre-hospitalisation expenses: Up to 60 days
Post-hospitalisation expenses: Up to 120 days
Cashless hospitalisation: 7100 + hospitals
Deductions on claims: Zero

Features of ACKO Platinum Health Plan

Sum insured: Rs. 1 crore & unlimited
Cashless hospitalisation: 14,300+ hospitals
Pre-hospitalisation expenses: Up to 60 days
Deductions on claims: NIL
Post-hospitalisation expenses: Up to 120 days
Waiting Period: Zero

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
Pre-hospitalisation expenses: Yes
Critical Illness coverage: Yes
Post-hospitalisation expenses: Yes
Emergency evacuation coverage: Yes

Why is Raising Claims Easier With ACKO Policies?

Raising claims with the ACKO mobile application has become seamless and ultra-fast. Moreover, you can buy new policies, renew your old plans, and carry out almost all your insurance-related activities in the ACKO app.

Being India's first digital insurance company, ACKO has revolutionised the concept of insurance with technological advancements. ACKO application is a one-stop solution for all your insurance needs. Besides, due to reduced operational costs, ACKO offers every health plan at an affordable rate, making it one of the best health insurance plans for a plumber.

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

Wrap It Up!

Plumbers contribute enormously to Indian society by providing exceptional services in varied residential and commercial spaces. Thus, they must secure their future from unexpected healthcare expenses. Now that you know the health insurance sum assured for a plumber, buy today from the ACKO application.

Frequently Asked Questions about Health Insurance for a Plumber

Let us have a look at some of the commonly asked questions about health insurance for plumbers.

What is the ideal age for a plumber to buy health insurance?

The right time is today since life is too unpredictable, and anything can happen suddenly. Henceforth, buy health insurance now to secure your near future.

Are there any tax benefits on health insurance for a plumber?

Yes, In India, a plumber can claim tax deductions under Section 80D of the IT Act 1961. One can get tax deductions on the premium they paid towards their health insurance in a year.

What is the maximum claimable amount under the PM-JAY scheme?

The maximum sum insured a plumber can get for themselves along with their entire family is Rs. 5 lakhs per family (annually). You must know there is no age limit for applying for an Ayushman Bharat card.

How much premium should a plumber invest in health insurance annually?

Experts say individuals must invest 50% of their yearly income in various insurance plans, including medical insurance policies. However, this percentage might differ according to insurance needs and requirements from one individual to another.

How many claims can a plumber raise in a year?

The number of claims a plumber can raise depends on the insurance provider and your health insurance plan. Although, by associating with ACKO, one can make multiple claims within their policy duration.

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.