1 Crore Health Insurance
  • 5 Best 1 Crore Health Insurance Plans
  • Why To Choose High Coverage?
  • Benefits of 1 Cr. Health Insurance Policy
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1 Crore Health Insurance Plan

Health Insurance in today's time is no less than a necessity, especially when there has been an exponential rise in the number of life-threatening diseases in India. To secure yourself and your family from life's uncertainty, it is imperative to choose a health plan with a high sum insured. With a health insurance plan of Rs. 1 Crore, you can ensure complete financial protection for your family members.

Unlike other health plans, these plans offer in-patient hospitalisation coverage along with several other benefits such as global coverage, air ambulance coverage, coverage against organ donor expenses, second medical opinion and many more.

Choosing the most suitable 1 Crore Health Insurance Plan for yourself from a pool of best health insurance plans can be a daunting task. To make it easier for you, we have mentioned some of the health insurance plans that offer coverage of up to 1 Crore. Have a look at the below section:

List of 5 best 1 crore health insurance plans in 2024

Below mentioned are the best 1 Crore health insurance plans for you and your family. Consider the same while making a purchase decision.

1 Crore Health Plan Network Hospitals Features View Plan
Niva Bupa Aspire 10,000+ IVF Cover
Carry forward your sum insured
OPD & Wellness cover
Niva Bupa Reassure 2.0 10,000+ Diabetes and hypertension cover from day 1
Unlimited teleconsultations
Personal accident cover
Care Supreme 22,900+ Up to 500% cumulative bonus
30% renewal premium discounts
Unlimited E-consultations
Star Comprehensive Plan 14,000+ Automatic Restoration of SI
Personal Accident Cover
Star Wellness Program
ManipalCigna Prime Advantage 8,500+ Avail any category room
Switch off your coverage for 30 days
Waiver of Premium in Case of Critical Illness

Premium Illustration For 1 Crore Health Insurance

Premiums are the deciding factor for many of us when purchasing a health insurance plan. Many of you might be sceptical of a 1 crore health insurance as the sum insured is not a small amount. However, the premiums are not as steep as you may believe.

Some examples are annual premium rates for the best 1 crore health insurance plans mentioned in the table given below:

1 Crore Health PlanNiva Bupa AspireNiva Bupa Reassure 2.0Care SupremeStar Comprehensive PlanManipalCigna Prime Advantage
Premium (In Rs.)28,678 24,305 21,018 23,016 19,402

1 Crore Health Insurance Eligibility Criteria

The common eligibility criteria for 1 crore health insurance are given below for your understanding.

Entry Age Minimum: 18 Years
Maximum: 65 Years
Policy Term 1/2/3 Years
Sum Insured 1 Crore
Initial Waiting Period 30 Days
Plan Type Individual/Family Floater

Key Benefits of 1 Crore Health Insurance Plans

It is wise to compare multiple policies, seek expert advice, and read the policy documents thoroughly before making a final choice. Here are a few benefits of the plan that will help you to opt for the 1 Crore Health Insurance Plan without any worry:

  • High Coverage

    1 Crore Health insurance plans offer extensive coverage for hospitalization expenses, including room rent, medical bills, and surgical costs and much more.
  • Comprehensive Benefits

    These plans often provide comprehensive coverage, including pre and post-hospitalization expenses, daycare treatments, ambulance charges, and alternative therapies.
  • Additional Coverage

    Many insurers offer add-ons, such as critical illness coverage, maternity benefits, and wellness programs, to enhance the policy's coverage. And make the plan more inclusive.
  • Cashless Claims

    Policyholders can avail of cashless hospitalization at network hospitals, eliminating the need for upfront or cash payments.
  • Tax Benefits

    Premiums paid for a 1 cr health insurance policy are eligible for tax deductions under Section 80D of the Income Tax Act.
  • Flexibility

    Policyholders can choose from various policy tenures, ranging from one to three years, and also have the option to renew the policy lifelong.
  • Affordable Premiums

    Despite providing high coverage, 1 crore health insurance premiums are often affordable, making them accessible to a wide range of individuals.

List of 1 Crore Health Insurance Policies

A comprehensive health insurance plan that offers comprehensive coverage against medical bills & comes with access to Chronic Management Program.

Unique Benefits

  • Chronic illness cover
  • Modern treatments covered
  • Double coverage

A plan with 3 variants offering up to 1 Cr SI. It covers expenses incurred during hospitalization resulting from serious illness or accident.

Unique Features

  • Avail Discounts
  • Maternity cover available
  • Organ Donor expenses covered

Bajaj Allianz Health Guard (Pros)

  • Convalescence benefit
  • Super Cumulative bonus
  • Daily cash benefit
  • New Born Baby Cover
  • Pre & post hospitalization

Bajaj Allianz Health Guard (Cons)

  • No Global Coverage
  • No Dental Treatment
  • No Parkinson's Cover
  • HIV/AIDS not covered
  • No Obesity/Weight Cover

Bajaj Allianz Health Guard (Other Benefits)

  • Health prime rider
  • Non-medical expense rider
  • Wellness benefits
  • Bariatric surgery cover
  • SI reinstatement benefit

Bajaj Allianz Health Guard (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1.5 L to 1 Cr
  • Waiting Period - 30 Days

A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.

Unique Benefits

  • In-built maternity cover
  • No upper age limit for enrollment
  • Coverage for modern treatments

Kotak Health Care

Kotak Health Care protects you and your family financially against medical emergencies. The plan comes in three variants- Excel, Platinum and Prime.

Unique Features

  • Enhanced coverage
  • Free Annual Health Check-ups
  • Lifetime Renewability

A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.

Unique Features

  • Covers a maximum of 6 members
  • Unlimited SI restoration
  • Coverage for modern treatments

Health Reassure Plan (Pros)

  • Booster benefit
  • Organ donor transplant
  • ReAssure
  • Live Healthy Benefit
  • Second Medical Opinion

Health Reassure Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • No Suicide Cover
  • No War Injury Cover

Health Reassure Plan (Other Benefits)

  • Air Ambulance
  • Hospital Cash
  • Personal Accident Cover
  • Domiciliary hospitalization
  • Day care treatment

Health Reassure Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

A comprehensive health plan that comes with 3 variants and up to 1.5 crores Sum Insured.

Unique Features

  • Healthcare & wellness services
  • No capping on room rent
  • Global hospitalization

A plan that covers you and your family offering a sum insured of 5 lakhs to 5 crores. The plan offers 15 different types of discounts.

Unique Features

  • No Sub-limits on benefits
  • Robotic surgery for quick recover
  • 90 days free cancellation

Health Infinity Insurance (Pros)

  • 10% Online discount
  • 5% Early Bird Discount
  • 10% Stay Healthy Discount
  • Credit score discount
  • Concurrent Disclosure Discount

Health Infinity Insurance (Cons)

  • No Obesity Treatment Cover
  • Infertility Treatment Unavailable
  • No Alternative treatments
  • Out-patient not covered
  • Cosmetic Surgery unavailable

Health Infinity Insurance (Other Benefits)

  • 5% Girl Child Discount
  • Restore Benefit
  • 2.5% Vaccination Discount
  • 5% BMI Discount
  • 2.5 % Renewal Discount

Health Infinity Insurance (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 5 Crore
  • Waiting Period - 30 Days

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health check-ups for claim-free years
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Bajaj Allianz Personal Accident Plan is designed to protect you and your family from serious financial problems in case of death, and partial and total disability

Unique Features

  • Covers children’s education
  • Avail cumulative bonus
  • Avail additional covers with plan

An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.

Unique Features

  • No room rent capping
  • 20% no-claim bonus on SI
  • 100% SI restoration

Health Companion V2022 (Pros)

  • 5% Doctor Discount
  • 10% Family discount
  • Tenure Discounts of upto 15 %
  • Annual Aggregate Deductible
  • Home Care Treatments

Health Companion V2022 (Cons)

  • No OPD Cover
  • No Maternity Cover
  • Cosmetic Surgery Uncovered
  • Specific Diseases after 2 yrs
  • No Alcoholism Cover

Health Companion V2022 (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Vaccination on Animal Bite
  • Organ Donor Benefit
  • Domiciliary treatments

Health Companion V2022 (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.

Unique Features

  • Free preventive health checkup
  • Multiple wellness services
  • Up to 10% of fitness discount

Koti Suraksha Plan (Pros)

  • Renewal Benefit
  • Wellness Benefit
  • Premium Payment Options
  • Reduced Premium Benefit
  • 1,2,3 Years policy Period Option

Koti Suraksha Plan (Cons)

  • Infertility Treatment
  • No Unproven Treatments
  • No Dietary Supplements
  • No Maternity Treatments
  • No Cosmetic Surgery

Koti Suraksha Plan (Other Benefits)

  • 5% Non-Medical Expense Covered
  • Emergency Worldwide Coverage
  • Aggregate Deductible
  • Overseas Treatment
  • Sum Insurance Rebound

Koti Suraksha Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 Cr
  • Waiting Period - 30 Days

Importance of 1 Crore Health Insurance in an Individual's Life

The right 1 Crore medical insurance plan safeguards your health and wealth, ensuring peace of mind and financial protection. Let us have a quick look at the importance of these plans:

  • Coverage for Advanced Medical Treatments

    It ensures that policyholders have access to cutting-edge medical technologies and treatments, plan covers advanced medical treatments such as organ transplants, robotic surgeries, specialized therapies, and experimental procedures. providing them with the best possible healthcare options in critical situations.
  • Financial Security

    These health insurance plans can provide financial security during a medical emergency by covering high medical expenses that can otherwise deplete a person's savings.
  • Overall Coverage

    Choosing the right 1 crore medical insurance plan ensures comprehensive coverage that meets an individual's specific healthcare needs, including pre-existing conditions and critical illnesses.
  • Access to Quality Healthcare

    A good health insurance plan provides access to quality healthcare by covering hospitalization expenses at top-rated hospitals and medical facilities.
  • Peace of Mind

    Having the right 1 cr health insurance can provide peace of mind, knowing that one's healthcare expenses are covered in the event of an emergency or illness.
  • Long-term Savings

    By choosing a high-coverage health insurance plan, individuals can save money in the long run by avoiding high out-of-pocket expenses and minimizing the financial impact of unexpected medical bills.

Who Should Buy 1 Crore Health Insurance Plan?

A general rule of thumb when purchasing a health insurance plan is that you should opt for a sum insured 2 to 3 times your annual income. However, a base minimum of at least INR 10 lakhs sum insured must be purchased.

A 1 crore health insurance is ideal for those who want to have an adequate health insurance cover offering all necessary medical care benefits. Individuals who will benefit from purchasing a 1 crore health insurance are:

  • Individuals who have had a family history of critical illnesses such as cancer, heart ailments, strokes, etc. Health insurance for 1 crore will provide an adequate sum insured to avail of treatments related to critical ailments
  • Individuals who are sole breadwinners of the family and have dependent family members such as spouses, parents, and children can benefit from a 1 crore health insurance plan.
  • Individuals who have just started their family and/or welcomed a newborn baby into their lives should invest in a 1 crore health insurance plan as it offers extensive cover for children and exclusive maternity benefits.
  • Those who are working in a high-risk job such as pilots, architects, civil engineers, etc. People who are prone to injuries at a workplace must protect themselves with an adequate sum insured.
  • Individuals and families who have a high net worth or have a good income should invest in a 1 crore health insurance. You are not only covered against medical fatalities but also gain tax benefits under section 80D.

Claims Process for 1 Crore Health Insurance Plans

Since a 1 Crore insurance claim is a substantial amount to request from a health insurance provider, there are a few things you should be aware of before purchasing these products.

  • When filing a claim under a 1 Crore health insurance policy, it is essential to notify the insurance provider promptly, usually within a specified time frame.
  • The claims process typically involves submitting relevant documents such as medical bills, diagnostic reports, prescriptions, and claim forms.
  • Health Insurance companies usually have dedicated claim settlement teams that review the submitted documents and verify the claim's eligibility as per the policy terms and conditions.
  • Once the claim is approved, the insurer will disburse the eligible claim amount to the policyholder or directly to the hospital or healthcare provider, depending on the arrangements.

Health Insurer Network Hospitals

Why Choose 1 Crore Health Insurance?

Most people ignore the amount of cover they need according to their family size and requirements and end up facing financial crunch at the time of medical emergencies. Let's understand this with an example:

There is a family of 4 members (husband+wife+2 children), where only the husband is the earning member. Among them, 1 is diagnosed with cancer. So, they buy a health insurance plan of 25 lakhs (sum insured). With continuous treatments, their present plan is not able to cover all the expenses and ultimately, the family is in a financial turmoil. The situation would have been different if the family would have opted for a health insurance policy with a higher amount of sum insured (1 Crore).

If you have a history of critical illness in your family, it's always better to have a 1 Crore health insurance policy. Yes, you do have to pay a high premium for it but at the same time, you can rest assured that all your medical expenses (for expensive treatments) are looked after.

How To Purchase 1 Crore Health Insurance From PolicyX?

1 crore health insurance plan purchase is made so easy with PolicyX insurance aggregator. Follow the steps given below

  • Visit the official website of PolicyX
  • Click on the 'One crore Health Plan' button under Health Insurance
  • Fill in your details such as name, age, contact number, etc.
  • Pay the premium after selecting your one-crore health insurance
  • You will receive a notification with the purchase receipt of your chosen 1 Crore Health Plan

Wrapping It Up

Medical emergencies can arise anytime without prior notice. If you are worried about the financial constraints regarding health care, a 1 crore health insurance is your answer.

With an adequate sum insured you and your family have access to the best health care services. Fight medical inflation, lifestyle ailments, and expensive medical bills with the list of 1 crore health plans mentioned in this article.

1 Crore Health Insurance Plan: FAQs

1. What are the best 1 crore health insurance plans in 2024?

Here is a list of the best 1 crore health insurance plans in 2024 which you can consider to purchase:

  • Niva Bupa Aspire
  • Niva Bupa Reassure 2.0
  • Care Supreme
  • Star Comprehensive Plan
  • ManipalCigna Pro Prime Advantage

2. Can individuals with pre-existing conditions get 1 crore health insurance?

Yes, individuals with pre-existing conditions are eligible for these health insurance plans. However, it is important to review the policy terms and conditions, including waiting periods and coverage limitations for pre-existing conditions.

3. Are critical illnesses covered under 1 crore health insurance plans?

Many health insurance companies with 1 cr plan provide coverage for critical illnesses. This coverage offers a lump sum payment upon diagnosis, helping individuals access specialized treatments and manage additional expenses.

4. Do 1 crore health insurance plans cover accidents and injuries?

Yes, these plans typically cover accidents and injuries, including hospitalization, surgeries, and rehabilitation expenses resulting from accidents or injuries.

5. What are the age criteria for a 1 Crore Health Insurance Plan?

The eligibility age for 1 crore health insurance policies typically starts from 18 years and can extend up to 65 years, depending on the insurer.

6. Who should consider a 1 crore health insurance plan?

Individuals with high-income levels, families with dependents, self-employed professionals, and those seeking long-term financial security should consider a 1 crore health insurance plan.

7. Do I really need 1 crore health insurance for myself?

Your health insurance coverage totally depends on your current healthcare needs and requirements. Going for a higher coverage means you need to pay higher premiums. If you can afford to pay high premiums, you can go for 1 crore medical insurance.

8. I have a history of cancer in my family. Do I need to go for 1 crore health insurance plans?

Having a history of any critical illness puts you at a higher risk than others. Moreover, the treatment for diseases such as Cancer or heart attack is quite expensive. Thus, as a protective measure, it is always better to go for higher coverage.

9. We are a family of 6. My spouse, my 2 children and my parents. I am the sole earner of my family. Should I opt for 1 Cr Health Insurance?

Being the sole earner of the family it is important for you to look after the healthcare needs of every family member. Thus, if you can afford it, a Rs. 1 Crore health insurance plan can be a good choice for you.

10. Which are the best 1 Cr Health Insurance plans available in India?

To choose the best among all the 1 Crore Health Insurance policies available in India, you need to compare the plan's coverage, its benefits and most importantly their premiums. The plan that suits you best is your best 1 crore medical insurance.

Health Insurance Companies

What Our Customers Have to Say

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April 8, 2024

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April 8, 2024

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.