How Much Sum Insured in Health Insurance Do Police Officer Need?

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Police officers are one of prominent members of society and a noble profession that most people look up to. They are the ones who respond to crises, danger and any difficulties, to safeguard common citizens. As our peace of mind depends on the police dealing with fatal situations, it is essential for them too, to have peace of mind by securing their healthcare.

Apart from the group insurance coverage police officers have to pay towards, it may not always be sufficient during any health emergencies. So purchasing insurance that provides comprehensive coverage is highly advisable. This blog will discuss how much health insurance sum assured for a police officer is necessary and other things that you should know about it.

The Need For Health Insurance For a Police Officer

It would not be an exaggeration we say that police officers are one of the most challenging professions in India. In many cases, poor control of health and a challenging work environment make them susceptible to various health issues and diseases. These include psychological, gastrointestinal, and musculoskeletal disorders, cardiovascular diseases, etc., which lead to high morbidity among police personnel.

Therefore, extensive health insurance is necessary for a police officer. ACKO health insurance plans can be a great choice, as they offer a lot of benefits from preventive care to financial protection, while still being cost-effective.

What Is the Ideal Sum Insured for a Police Officer in India?

In India, several factors determine the ideal health insurance sum insured for a police officer. It includes salary, family size, medical history, age, lifestyle, etc. You can check the following pointers to get details on ACKO's insurance considerations as per your lifestyle.

Ideal Sum Insured for a Single Police Officer

The ACKO Standard Health Plan stands as a great choice if you are looking for an individual health insurance policy. A police officer is also eligible to get up to Rs. 1 crore with this plan, which covers an extensive range of treatment and medical expenses like ambulance rides, pre and post-hospitalisation fees, nursery services, and much more.

Ideal Sum Insured for a Police Officer With a Family

If you have a nuclear family, the perfect plan to choose is the ACKO Platinum Health Plan. This health plan covers high-end medical treatments, while offering an unlimited amount of sum insured. As this plan comes with no waiting period and no deduction during the claim, it is ideal for purchasing.

Ideal Sum Insured for a Police Officer With Ageing Parents

If you have ageing parents, you can consider buying the ACKO Platinum Super Top-up Health plan. You can purchase it with or without a primary health insurance package. You have to pay a set deductible before the plan starts to cover sanctioned medical bills.

Ideal Sum Insured for a Police Officer With Special Needs Family Member

If you have someone in your family who has a medical condition that needs special medical attention, you must choose a plan that covers pre-existing illnesses. An excellent choice would be the Unlimited ACKO Platinum Plan which offers an unlimited sum insured with zero claim deductions and no waiting period.

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 Police Officers in India?

Except for The Pradhan Mantri Jan Arogya Yojana (PM-JAY), there are a few health insurance schemes that are absolutely free. But, multiple government schemes have a very low premium. To name a few these are Pradhan Mantri Suraksha Bima Yojana, Central Government Health Scheme, and Universal Health Insurance Scheme.

Let us take a look at some of the crucial features of these schemes:

Premium of Rs. 100 per month onwards (in some cases the government finances it)
Offers maximum coverage up to Rs. 5 lakhs
Does not include provisions for preventive health care
May or may not include private hospital rooms
Tax benefits are not available

Nonetheless, even though such health insurance schemes can seem feasible, in case of any extensive medical attention, you may not get the much needed facilities and provisions. Hence in such scenarios, if you have a comprehensive health insurance scheme, you can easily get the best medical attention in times of your needs.

How Much Premium Should a Police Officer Pay For Buying Health Insurance?

The premium depends mostly on the coverage you want. Take a look at the following scenarios to see for yourself:

If a health insurance plan covers emergency hospitalisation expenses and basic health care needs it can be ideal for a police officer with a spouse and no children.
If you have one or two children, you should consider a plan that covers both the basic requirements and child and maternal care.
For police officers with larger families, a policy that covers all the family member’s healthcare costs is necessary.

Estimate your health insurance costs with Health insurance premium calculator

Factors to Consider While Getting Health Insurance for a Police Officer

We suggest you consider the following pointers before you buy health insurance for a police officer:

Coverage for preventive health checkups
Availability of plenty of network hospitals
Coverage for new-age treatments, alternative treatments, room rent limit, daycare procedures, etc.
Have a solid understanding of the details regarding coverage and the premium amount.
Check the relevant waiting period for your plan.
Ensure that the insurance provider is one of the best in the market.
Be aware of the inclusion and exclusion of your plan and ensure that it covers for illness and injury that your work environment can cause.

What Benefits Do I Get for Choosing ACKO?

If you choose to buy insurance from ACKO you can expect to get a hassle-free comprehensive health insurance plan that truly prioritises your well-being. The following are some of the features of ACKO’s health plan:

Cashless hospitalisation at 14,300+ pan India network hospitals
Zero deduction on claims
No waiting period on ACKO Platinum Health Plans
No middleman commission
60 days pre-hospitalisation costs
120 days post-hospitalisation costs
Quick claim settlement
Health insurance portability
No room rent cappings

Enhance your health insurance by exploring these unique benefits
Cashless Health Insurance	Domestic Emergency Evacuation	Restore Sum Insured	Daily Hospital Cash Policy	Road Ambulance Limit

Why Is Raising Claims Easier With ACKO Policies?

To make your insurance journey hassle-free we have taken every step necessary to ensure raising claims is as easy as possible. With the ACKO app, everything concerning insurance gets very simple. From buying insurance, renewing it, or raising a claim it is a one-stop solution for you.

Wrapping It Up!

Citizens need the police to be the most interactive, accessible and dynamic organisation to whom they can approach in hours of need and danger. However, maintaining a healthy police force requires lifestyle promotional activities and regular health checkups. Thus, buying the best health insurance plans for a police officer is necessary.

In case of medical emergencies, however, health insurance policies become essential for the individual and for his/her family. Now that you have a better idea about the health insurance sum assured for a police officer you should select a proper plan and view a customised quote. Navigate our site, research, compare plans side by side and make your purchase today.

Frequently Asked Questions

Here are some of the frequently asked questions about health insurance for police officers.

What is the ideal age to buy health insurance?

The short answer to that is: as early as possible. If you are between 20 and 30 opting for health insurance is optimum. Presumably, you are healthier at this age and have to pay lower premiums.

Is a medical test mandatory for all?

If your age is over 18 it is mandatory for you to go through medical tests to get coverage under ACKO health insurance plans.

Cashless or reimbursement claim: how should I choose either one?

When you can plan a hospitalisation you should avail treatment at a network hospital and get a cashless claim. However, in case of emergency hospitalisation, you may have to opt for the reimbursement claim.

What is the difference between health insurance and Mediclaims?

Mediclaims cover specific illnesses and basic hospitalisation expenses and offer a lower sum insured if you compare it to health insurance. A health insurance can cover medical expenses comprehensively even covering pre and post-hospitalisation costs.

Can I nominate a person for medical insurance?

Under Section 39 of the Insurance Act, of 1938 you can nominate any individual so that if you face sudden death, the insurance company will pay the person/s relevant benefits under the health insurance.