How Much Sum Insured in Health Insurance Do Travel Bloggers Need?

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Travel bloggers play a crucial role when it comes to shaping the modern travel experience. They help us discover new destinations, experience different cultures, and plan our trips effectively. Being a travel blogger, however, is not an easy job, as it comes with its fair share of danger and difficulty.

For a travel blogger serious about continuing what they love to do most, protecting against unforeseen medical emergencies should be the first step. This blog will discuss the optimum health insurance sum assured for a travel blogger and other essential details regarding health insurance.

The Need for Health Insurance for a Travel Blogger

For travel bloggers, getting health insurance is a smart move, given the nature of their job. The job requires a lot of time, as you have to juggle between family, work, and travel and learn constantly.

While on the trip, you must be organised, alert, and ready to capture essential moments. On top of that, meeting various new people, both gentle and hostile, can be emotionally draining.

With proper health insurance, you can travel with peace of mind, knowing you are covered if you need medical assistance during busy and occasionally very challenging journeys. ACKO, the digital-first insurance company in India, offers comprehensive health insurance plans for travel bloggers at affordable prices. It enables you to get financial assistance during medical emergencies on your trip.

What is the Ideal Sum Insured for a Travel Blogger in India?

The maximum claimable amount or the ideal sum varies from plan to plan. Several factors, such as age, location, family size, the coverage you need, etc., also determine the sum insured.

Ideal Sum Insured for a Single Travel Blogger

ACKO Standard Health Plan is the best health insurance plan for a travel blogger who is single. It offers comprehensive coverage (Rs. 1 crore of maximum claimable amount) at a reasonable price.

Ideal Sum Insured for a Travel Blogger With a Family

ACKO Platinum Health Plan can work magnificently for a travel blogger with a family. It comes with favourable features like coverage for costly medical treatments, unlimited sum insured, unlimited restoration of sum insured and many more.

Ideal Sum Insured for a Travel Blogger With Ageing Parents

If you have ageing parents at home, they can benefit from the ACKO Platinum Super Top-up Health Plan. The plan is beneficial for people with hereditary illness or critical medical history. A top-up plan also protects someone when the regular plan exhausts its limit.

Ideal Sum Insured for a Travel Blogger With Special Needs Family Member

If you have a family member with special needs, the ACKO Platinum Plan with unlimited sum insured is the best choice. From high-end medical treatment to covering every necessary hospitalisation expense, there is no need to worry about medical bills.

Is Health Insurance Free for Travel Bloggers in India?

A travel blogger in India has the option to enrol in the Pradhan Mantri Jan Arogya Yojana (PM-JAY) for free health insurance. It provides several benefits, including coverage of up to Rs. 5 lakhs per family per year. It includes around 1,929 procedures and offers coverage for pre and post-hospitalization expenses for up to 3 and 15 days, respectively.

While these free or low-premium health schemes can be beneficial, the sum insured may not be sufficient for many medical emergencies. Hence, the need for a comprehensive plan arises to help you with medical emergencies and receive the best quality treatment in the top hospitals.

How Much Premium Should a Travel Blogger Pay for Buying Health Insurance?

The amount you pay for insurance depends on factors like medical history, age, coverage type, add-ons, location, etc. However, it primarily hinges on the coverage and sum insured. Consider these scenarios to determine your needs:

For you and your spouse (without children and parents), emergency hospitalisation and basic healthcare coverage must be enough.
A family of three (parents and one child) requires coverage for salient health care features and child and maternal care.
A family comprising ageing parents, yourself, your spouse, and two children needs comprehensive coverage and a sum insured that caters to all members.

Estimate your health insurance costs with Health insurance premium calculator

Factors to Consider While Getting Health Insurance for a Travel Blogger

For those seeking an expert guide to health insurance for a travel blogger, we offer a condensed version here:

When declaring pre-existing conditions, be honest about it before purchasing.
Consider additional plans, like Critical Illness, if you have saved enough.
Evaluate the insurer's network of hospitals.
Select a plan that offers comprehensive coverage for your family.
Familiarise yourself with the 4 types of plans: Group Health Insurance, Family Floater, Critical Illness coverage, and Individual Health Insurance.
Compare services and features before making a decision.
Carefully review the list of exclusions.
Take note of the waiting period.

What Benefits Do I Get for Choosing ACKO?

By opting for ACKO health insurance, you can get advantages that may not be available with other plans:

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

Enhance your health insurance by exploring these unique benefits
OPD Cover	Room Rent Limit	Unlimited Sum Insured	Doctor-on-Call	Cashless Health Insurance

Why is Raising Claims Easier With ACKO Policies?

Imagine how much simpler a travel blogger's life will be if everything concerning health insurance is streamlined, from purchasing new plans to raising claims. The ACKO app accomplishes just that. In addition to making every process fast and efficient, our online distribution model allows us to offer cost-effective plans.

Wrap It Up!

Being a travel blogger is exhilarating as you can discover new places, meet interesting people, and share your adventures with the world. But it is nonetheless demanding. You have to constantly learn new things, balance responsibilities, and put in a lot of time and effort.

In your journey as a travel blogger, a health insurance plan plays the role of a silent protector. It will lend its capable hands during severe medical emergencies concerning you or your family. With the knowledge of the ideal health insurance sum assured for a travel blogger, you can navigate our site and choose the plan most suitable for you to get a quote.

Frequently Asked Questions

Here are some common questions people ask about health insurance for a travel blogger.

hat is the co-payment clause in health insurance?

Co-payment is a clause where the insured agrees to share a specific portion of medical expenses. When filing a claim, the policyholder typically pays a specified percentage of the claim amount.

How does smoking affect premiums for health insurance?

Smoking raises health insurance premiums because of the associated health risks. Smokers face a higher risk of health problems, resulting in higher premiums.

Under what conditions does the policy premium increase during renewal?

Policy premiums may rise upon renewal for various reasons, such as age, claims history, changes in health, or if the insurer adjusts rates for all policyholders.

What add-ons are there in the ACKO Standard Health Plan?

Some add-ons are Room Rent Waiver, Non-medical Expenses Waiver, Doctor Call service, etc.

How to contact ACKO?

Need to get in touch with ACKO? Feel free to reach out! You can call us at 1800 266 2256 or mail us at [email protected] for quick query resolution.

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.