How Much Sum Insured in Health Insurance Do Social Media Managers Need?

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The online brand value of a business depends on the competency of social media managers. Social media managers are responsible for preparing, developing, executing, and administering strategies for the social media account of a business. The job can be high-paying, but it can be very demanding on the body and mind.

Therefore, taking care of your health to the best of your ability should be essential for sustained growth. As there is an increase in healthcare costs daily, the best way to shield yourself is by opting for health insurance. Read on to learn the ideal health insurance sum assured for a social media manager and more.

If you are a social media manager, you know that this career can be as demanding as its rewards. To sustain consistent growth in this role, one must learn constantly, adapt quickly to new trends, and stay creative. You have to deal with multiple platforms, tight deadlines, performance evaluations, negative feedback and the high stress arising from all this.

As an individual, you may notice only a few things can offer you peace of mind that keep you resilient. One of these things is financial security in times of medical emergency. The health insurance of ACKO offers comprehensive coverage without putting a strain on your budget, guaranteeing you financial security.

There is no one-size-fits-all answer to this question, as the ideal sum depends on several factors. It includes the type of medical condition, medical history, family size, average income, etc. Take a look at the following scenarios to get a better idea:

If you require a health plan only for yourself, a plan that provides you with the required medical treatment and emergency hospitalisation coverage would be enough. ACKO Standard Health Plan is the best health insurance plan for a social media manager who is single, as it offers good coverage (with a maximum claimable amount of Rs. 1 crore) at an affordable price.

If you have a family to look after, a plan covering all their medical expenses is necessary. ACKO Platinum Health Plan is an excellent choice as it provides unlimited sum insured, ensuring coverage for expensive medical treatments, unlimited restoration of sum insured, and many other features essential for the well-being of your family.

Do you have ageing parents at home? If they suffer from a critical medical history or hereditary illness, the ACKO Platinum Super Top-up Health Plan is the perfect choice. If you already have a health plan with a lower sum insured, this top-up plan would save you during a medical emergency if the regular plan's limit exhausts itself.

If you have a member in your family with special needs for whom you feel uninsured even with insurance, the ACKO Platinum Health Plan with unlimited sum insured is the answer. You do not have to worry about the number of times they require high-end medical treatment, as this policy can cover it all with an unlimited sum insured, offering all medically necessary hospitalisation, room selection of your choice, and so much more.

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

A social media manager can opt for free health insurance in India. The Pradhan Mantri Jan Arogya Yojana (PMJAY) is a government scheme offering several benefits. Let us take a look at some of them:

Cover of up to Rs. 5 lakhs per family per year
Includes approximately 1,929 procedures
Offers pre and post-hospitalization expenses up to 3 and 15 days respectively
No limitation on the number of family members, their gender or age

The free or minimal premium health schemes can be very beneficial, but as they offer a low sum insured, they cannot be useful in many medical emergencies. Hence, opting for a comprehensive health insurance plan is crucial to cover the healthcare requirements of your family.

The premium you must pay depends on several factors like age, medical history, sum insured coverage type, location, add-ons, riders, etc. However, it mostly depends on the sum insured and coverage. Consider these scenarios and decide:

The coverage you and your spouse (without parents and children) will be salient healthcare and emergency hospitalisation. A plan that offers that much coverage would be enough.
For a family of three members (parents and one child), you must opt for coverage for the basics and child and maternal care.
A family that consists of yourself, your spouse, two children, and ageing parents would need comprehensive coverage and a proportional sum insured.

Estimate your health insurance costs with Health insurance premium calculator

For an expert guide to health insurance for a social media manager, we present an abbreviated version here:

If you have pre-existing medical conditions, declare it honestly before purchasing health insurance.
If you have saved up a decent amount for purchasing health insurance, consider buying additional plans (for example, a Critical Illness plan).
Browse through various plans and choose the one that can provide good coverage for your entire family.
Get knowledgeable on the 4 types of plans (Family Floater, Group Health Insurance, Individual Health Insurance, and Critical Illness cover).
Compare the features and services of health insurance products before choosing one.
Check the waiting period.
Go through the list of exclusions carefully.
Check the potency of the insurer’s network of hospitals.

What Benefits Do I Get for Choosing ACKO?

By purchasing ACKO health insurance, you will get benefits that you may not get from other plans:

Zero deductions on claims
No waiting periods for Platinum plans
No room rent capping
Quick claim settlement
Coverage for pre and post-hospitalisation expenses
Wide coverage for senior citizens
Covers critical illnesses
Offers useful Add-ons
Coverage for post-birth complications

Enhance your health insurance by exploring these unique benefits
OPD Cover	Accidental Disability Cover	Road Ambulance Limit	Daily Hospital Cash Policy	Second Opinion

Why Is Raising Claims Easier With ACKO Policies?

Would it not make the life of a social media manager a lot easier if everything related to health insurance, from buying new plans to raising claims become streamlined? The ACKO app does exactly that. Apart from making every operation fast and efficient, our online distribution model enables us to offer plans at cost-effective rates.

Wrap It Up!

Depending on the company, social media managers are often alone in their designation and have to assume various other roles. Most social media managers also stay constantly plugged into social media, another element adding to their burnout. So, it is significant for you to invest time in understanding how to handle the relation of your job and the platforms you engage with.

A health insurance plan must provide a reliable backup when things go out of hand for you or your family. If you have gone through the whole blog, you know the optimum health insurance sum assured for a social media manager should be. Now, all that is left is to navigate our site, select a plan, and receive an instant quotation, and you are on the safe side.

Frequently Asked Questions

Here are some of the questions people ask frequently concerning health insurance for a social media manager.

Does the ACKO Standard Health Plan cover pre-existing diseases?

If you have not disclosed a pre-existing disease before buying a plan, it cannot cover it. To avoid claim issues, you should disclose any pre-existing conditions.

Can I reduce my health insurance premium?

One can reduce health insurance premiums by looking for the best deal, opting for a high deductible, avoiding unnecessary coverages, over-insuring, renewing the policy on time, maintaining a good credit score, and maintaining a healthy lifestyle.

Does a history of hereditary illness impact the premiums?

Yes, insurers consider a policyholder's family medical history as it can indicate a higher risk for probable health issues.

Can I choose the sum insured for Super Top-up plans?

You can choose Rs. 25 lakhs, Rs. 50 lakhs, Rs. 1 crore, or the unlimited sum insured of the Super Top-up Plan.

Can I buy a Super Top-up without a base policy?

Yes, you can purchase the ACKO Platinum Super Top-up plan in the absence of a base 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.