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How Much Sum Insured in Health Insurance Is Needed for an IT Professional?

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Home / Health Insurance / How Much Sum Insured in Health Insurance Is Needed for an IT Professional

IT professionals are responsible for developing, testing, installing, fixing, and maintaining hardware and software. Additionally, they search for other methods to enhance the systems, such as getting user input. Strong analytical abilities are necessary for their jobs, which puts them under a lot of stress. 

Numerous illnesses, including severe headaches, anxiety, heart problems, etc., can be observed in people with such stressful jobs. Thus, in order to safeguard their future, IT professionals should think about getting health coverage. This blog will provide you with extensive information on health insurance sum assured for an IT Professional. 

The Need for Health Insurance for an IT Professional 
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Inflation is causing unmanageable healthcare bills. High inflation has an impact on all elements of an individual's life, not only healthcare. Life is unpredictable, so everyone should protect their medical bills by purchasing a health insurance policy.

Individuals face a variety of health hazards, thus it is critical to have the best health insurance policies for IT professionals. ACKO Health insurance packages provide comprehensive protection against a variety of unforeseen medical situations. 

In addition, ACKO offers a comprehensive range of health insurance to fulfil the needs of their policyholders. You will also receive add-on covers, as well as a variety of other features. Continue reading for a full guide to health insurance for IT professionals. 

What Is the Ideal Sum Insured for an IT Professional in India?
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It is impossible to state a fixed sum insured for IT professionals because everyone's requirements and needs are different. Before deciding on the maximum claimable amount, one should evaluate a variety of parameters such as age, family size, medical history, and so on.

Ideal sum insured for a single IT Professional 
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If you are a single IT professional, choose a basic health insurance plan. For example, the ACKO Standard Health Plan is suitable for such people because it provides a large sum insured to cover all of your essential medical needs. It also provides zero claim deductions and a variety of other coverage options.

Ideal sum insured for an IT Professional with a family
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For such a family, you might want to explore the ACKO Platinum Health Plan, which provides a large sum insured. This plan will cover all medical expenses for you and your family. One of the primary benefits of purchasing this plan is that you will have zero waiting periods. 

Ideal sum insured for an IT Professional with ageing parents
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If you are an IT Professional with elderly family members at home, consider purchasing the ACKO Platinum Super Top-up Health Insurance Plan to have your medical expenditures covered. This plan allows covered customers to choose whether or not to purchase primary health insurance. You can also purchase the ACKO Standard Health Plan to get the best possible medical coverage. 

Ideal sum insured for an IT Professional with a special needs family member
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In such cases, you can purchase the Unlimited ACKO Platinum Health Plan to receive an unlimited sum insured. Furthermore, it offers a variety of different add-on covers that you can use according to your requirements. 

Is Health Insurance Free for IT Professionals in India?
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You can apply for several government programmes even if there isn't a free health insurance plan specifically for IT workers. Still, you must fulfil the requirements.  In 2018, the Ayushman Bharat project was launched by the Indian government. The goal of this programme, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is to give free medical treatment to those in Indian society who are financially disadvantaged. 

This insurance policy may be applied offline or online. However, to apply, one's family needs to fulfil the prerequisites. Although most doctors make more than this, this programme is intended for those who are struggling financially. Thus, before viewing this plan, confirm that you meet the requirements. 

Below are some of the following coverage you will get under the PM-JAY scheme. 

How Much Premium Should an IT Professional Pay for Buying Health Insurance?
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Investing half of one's yearly salary in a variety of investment vehicles, such as health insurance policies, is a good idea. It is also impossible to determine an optimum premium rate because there are too many factors that could influence it, including your age, family size, present health, and the scheme you have selected. 

IT professionals, for instance, have access to normal health insurance plans if they wish to purchase one for themselves. When it comes to basic medical coverage and emergency care, these plans are sufficient for an individual. 

Someone who has a family, however, needs to get a complete health insurance plan. It should also be higher for the maximum amount that can be claimed so that it can meet every healthcare expense of you and your entire family.

Estimate your health insurance costs with Health insurance premium calculator

Factors to Consider While Getting Health Insurance for an IT Professional 
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To guarantee the best possible medical coverage in the future, you and your family must pick the correct insurance plan. The following are things an IT professional should consider before beginning to invest in health insurance plans. 

What Benefits Do I Get for Choosing ACKO?
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Check out the features of the various ACKO health insurance plans listed below.

ACKO Standard Health Plan
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ACKO Platinum Health Plan
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ACKO Platinum Super Top-up Health Plan
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Why is Raising Claims Easier with ACKO Policies?
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Every individual, even IT professionals, must get the appropriate health insurance policy. Unexpected medical emergencies can arise at any time, making health insurance a must-have in today's environment.

The ACKO app makes it simple and convenient to raise or file claims. The application features a user-friendly design that allows you to manage your insurance-related tasks with a few clicks.  

You can renew your coverage or file a claim directly from the ACKO application. Additionally, being India's first digital insurance provider, ACKO reduces the need for any third-party platforms or agents, lowering operational costs. This makes their plan significantly less expensive than those offered by other insurers. 

Wrapping It Up!
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Every organisation needs an IT professional to look at its information systems through several lenses to acquire different viewpoints on how to make them more cost-effective. They also search for alternative methods to improve the systems, such as gathering user input. Indeed, IT professionals do not perform any physical labour, but their work requires a significant amount of mental effort. 

This could lead to major stress-related health problems, for which you should have health insurance. Now that you know everything about the health insurance sum assured for an IT Professional, browse the website and request an online quote. 

Frequently Asked Questions
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Below are frequently asked questions and their answers on health insurance sum insured for IT professionals.


Is health insurance mandatory for an IT professional?

In India, IT professionals must have health insurance. However, purchasing one is a wise idea to have an appropriate financial backup for any unexpected medical bills. 

Are there tax benefits on health insurance for IT professionals?

Under Section 80D of the Income Tax Act, all individuals, including IT professionals, are eligible for tax deductions on premium payments. Annual deductions for health insurance premiums range from Rs. 25,000 to Rs. 1 lakh. 

What exactly are zero deductions on health insurance claims?

Most insurers do not include this provision in their claim settlement packages. In such circumstances, a hefty payment is necessary to settle the hospital debt. However, the ACKO Platinum Health plan allows you to obtain the maximum claim amount.   

What is the amount insured under the PM-JAY scheme?

The world's largest health insurance system (PM-JAY) has an annual sum insured of Rs. 5 lakhs per family. In addition, the Ayushman Bharat card can be used at both public and private hospitals. 

What is a co-pay clause in health insurance?

Co-payment is the claim proportion that the policyholder agrees to pay out of pocket, regardless of the claim size. 

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.