How Much Sum Insured In Health Insurance Is Needed for a Salesperson?

In every company or organisation, the sales department plays a vital role in upscaling the business. Primarily, a salesperson bridges the gap between the company's services or products and the potential customers.  

Individuals, including salespeople, must build diverse financial portfolios to safeguard their future needs. Health insurance plays a pivotal role over here, as it helps provide optimal protection against unforeseen medical expenses. Read ahead to learn about the ideal health insurance sum assured for a salesperson.

Over time, the need for buying a health insurance plan for a salesperson is increasing due to high market inflation. It impacts every aspect of an individual's life including the rising medical costs. Salespeople should invest in health insurance and combat the effects of medical inflation. 

Life is unpredictable, thus unexpected medical emergencies like physical injuries, excessive stress, etc. can occur without warning. ACKO offers a wide range of health insurance plans from which you can choose the right one for you and your family members. Every plan comes with comprehensive coverage for varied medical emergencies.

In India, the ideal sum insured for a salesperson depends on various factors such as age, lifestyle, family size, and medical history. Besides, one should address their specific needs while buying health insurance.

In case you are looking for individual health insurance, then the ACKO Standard Health Plan is ideal for you. A salesperson can choose from sum insured options like Rs. 10L, 25L, 50L, and Rs. 1 cr. In addition, this plan covers a varied range of medical expenses like daycare treatments, hospitalisation costs, ambulance trips, and a lot more. 

For salespersons with a nuclear family, the ACKO Platinum Health Plan can be enough as it offers a high sum insured. Additionally, this health plan includes coverage for expensive treatments and comes with 2 key features, one is zero deductions on claim and zero waiting periods. 

Families with aged people should consider the ACKO Platinum Super Top-up Health plan as it allows the policyholder to buy this plan with or without a primary health insurance package. However, one needs to set a fixed deductible which he or she needs to pay before their plan starts covering the approved medical expenses. 

Alternatively, salespersons with elderly family members can also consider buying the ACKO Standard Health Plan to safeguard them and their families from unexpected health emergencies. 

In case a salesperson has a family member who has special medical needs due to a medical condition, then he or she must opt for a health plan which offers pre-existing disease coverage. 

ACKO Platinum Health Plan provides unlimited sum insured which makes it ideal to choose in such scenarios. Besides, it comes with zero waiting periods along with zero deductions on claims.

In the year of 2018, the Ayushman Bharat scheme was launched by the Government of India. This scheme is also known as Pradhan Mantri Jan Arogya Yojana (PMJAY), which mainly aims to offer free health coverage to eligible Indians. 

One either applies for this insurance scheme via online or offline means. However, in order to apply, one’s family needs to be listed in the SECC database. Below are some of the prime features and benefits of applying to this health insurance scheme:

On average, one must invest 10 to 20% of their income in health insurance plans. A salesperson must pay for health insurance depending on varied factors like the sum insured, the age and health condition of the insured individual, family size, and the coverage benefits included in the policy. Thus, the exact premium varies from person to person. 

Estimate your health insurance costs with Health insurance premium calculator

To choose the best health insurance plans for a salesperson, consider the following key factors before buying one.

ACKO offers a wide range of plans to meet medical requirements for a salesperson. Besides, every health plan provides a substantial sum insured to ensure adequate financial support during unforeseen medical emergencies. 

Here are some of the key features of each of the ACKO health insurance plans.

By purchasing the ACKO health insurance plan, you and your family will be always ready to combat any unexpected medical emergencies. Besides, the ACKO app comes with a user-friendly interface which makes it a one-stop solution for all your insurance management needs.

Being a digital-first insurer, ACKO eliminates the need for traditional infrastructure and intermediary commissions. This simplifies and reduces overhead expenses which makes it affordable compared to other insurers in the Indian market. 

A salesperson tirelessly connects consumers with products and a service which makes their role invaluable in driving economic growth. By purchasing a comprehensive health coverage plan, they can navigate their professional responsibilities with confidence. 

Now that you know the importance of the health insurance sum assured for salespeople, surf through the website and get a quote instantly for your preferred ACKO health insurance plan. 

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.