1 Crore Health Insurance
  • Explore One Crore Health Plans
  • Why To Choose High Coverage?
  • Benefits of 1 Cr. Health Insurance Policy
1 Crore Health Insurance Plan
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Health Cover (1 Crore) Eligibility Incurred Claims Ratio

Niva Bupa Aspire (For Gold+ Variant)
18 to 65 Years 54.05%

Care Supreme
18 to 99 Years 53.82%

Star Comprehensive
18 to 65 Years 65%

ManipalCigna Prime Protect
18 years to no maximum limit 64.66%

Star Young Star (For Silver Variant)
18 to 40 Years 65%

Aditya Birla Activ Health Platinum Enhanced
18 years to no maximum limit 64.68%

Star Women Care
18 to 75 Years 65%

Niva Bupa ReAssure 2.0 (For Bronze Variant)
18 to 99 Years 54.05%

1 Crore Health Insurance: Do You Need It?

If you are concerned about financial restraints related to medical care for yourself and your family, a 1 Crore health insurance is a good option. Witnessing a consistent rise in medical inflation rate and increasing cases of life-threatening ailments, a 1 crore health insurance makes sense.

With a 1 Crore health insurance, you can ensure comprehensive coverage for you and your family. These plans are ideal for individuals with a family history of critical illnesses and those living in metropolitans. But does it mean that a 1 Crore health insurance is useless to others?

Let us find out!

Keep reading to understand the benefits, coverage features, buying process, and more

What Is 1 Crore Health Insurance?

1 crore health insurance is a contract between an insurance holder and the insurance provider that offers a wider scope of coverage for medical emergencies due to the high sum insured on offer. The main benefit of a 1 Crore health plan is the comprehensive & substantial protection it provides is far more than health insurance plans with 10 Lakh or 20 Lakh SI.

The plan helps you cover medical expenses associated with:

Terminal illnesses

Accident coverage


OPD expenses

Reasons To Invest In 1 Crore Health Insurance

Undoubtedly, there has been a rise in the cost of healthcare expenses across the globe in the past decade. There are multiple reasons one must think of before investing in a 1 Crore health insurance plan:

India witnessed a 14% increase in medical inflation, the highest among all Asian countries as per a health report published by 'The Plum'.

Additionally, the 'MMB Health Trends report' showcased that Cancer (55%), Circulatory system-based diseases (43%), and COVID-19 (36%) were among the top reasons for medical claims in Asia in 2021.

Along with increasing healthcare costs, lifestyle changes have led to an increased overall risk of heart attacks, high blood pressure, and other health-related complications leading to prolonged prescriptions, hospitalizations, and other costly treatments.

71% of Indian employees pay for healthcare expenses out of their pockets as the average employer-sponsored insurance coverage in India is a mere 3 Lakhs which is sub-par with the inflation rates.

Employer-sponsored benefits are not progressive as <50% of companies offer maternity benefits, <1% of companies offer coverage to individuals with disabilities, and only 60% of companies offer new age features like same-sex partner covers, IVF treatments, etc.

Benefits Of 1 Crore Health Insurance

There are several benefits you will enjoy by investing in a 1 Crore health insurance:

  • Adequate health coverage for you and your family members in the face of any medical adversity. You are assured in case of any medical emergency or even planned treatments.
  • Average costs for complicated procedures and treatments related to life-threatening diseases may lead to your medical bill in lakhs. A 1 crore health insurance is your shield against these expenses.
  • Out-of-pocket expenses on medicines annually are recorded from INR 15,000 going up to INR 50,000 in case of chronic illnesses. Investing in a 1 Crore health insurance plan will help you save such hefty amounts.
  • Covering the cost of life-saving operations such as organ transplants comes at a price, and the price can be covered only with the help of a 1 Crore health insurance plan.
  • With a 1 crore health insurance in your kitty, you are stress-free everywhere. Many 1 crore health plan covers you on international waters for emergency hospitalizations and even planned consultations.

What Is Covered Under A 1 Crore Health Insurance?

You will be covered for the following:

  • Pre & Post-hospitalization
  • Organ Donor Expenses
  • Daycare Treatments
  • Ambulance Cover
  • Critical Illness Cover
  • Annual Health Check-Ups
  • Wellness Cover
  • OPD Cover, and more

What To Ask Yourself Before Investing In 1 Crore Health Insurance Plan?

Some things to take into consideration before investing in a 1 Crore health insurance plan:

  • Premium Prices

    It is a given that premiums for a 1 Crore health plan will be more expensive than a 10 Lakh health cover. However, understand the premium breakup and all the coverage benefits against the premiums charged.
  • Payment Clause

    Find out if there are any deductibles, mandatory co-pays, and other such charges applicable to your 1 crore health insurance plan.
  • Features and Benefits

    Investing in a 1 Crore health insurance plan will provide you with high coverage benefits. Ensure you understand all the coverage features of your health plan and do not be afraid to ask for those additional perks!
  • Network Hospitals

    Make sure your 1 Crore health plan provides you with a wide network of hospitals so that you have access to world-class healthcare at your fingertips.
  • Pre-existing Coverage

    Find out the waiting periods and conditions associated with your 1 Crore health insurance for pre-existing conditions like diabetes, hypertension, etc.
  • Claim settlement and renewal process

    Talk to your friends, neighbours, and colleagues to find out more about your desired health insurance provider before buying a 1 Crore health plan. This will give you an idea about the company's customer service concerning claim settlement and policy renewal.

Who Should Consider A 1 Crore Health Insurance?

You must consider investing in a 1 crore health insurance if you:

  • Have a family history of critical illnesses like cancer, heart attacks, organ failures, or other life-threatening ailments.
  • Are over the age of 40 years and have lived a sedentary lifestyle for the majority of your life, consider a 1 crore health insurance for your future.
  • Are the only earning member of your family and have several family members dependent on you, a 1 crore health plan is the best option.
  • Have a high-risk job like working in mines, factories, heavy engineering manufacturing units, etc, consider investing in a 1 crore health insurance plan.
  • Are a frequent traveller, consider a 1 Crore health plan to avail of medical care in different countries without any stress.
Who Should Consider A 1 Crore Health Insurance?

Steps To Buy The Best 1 Crore Health Insurance

1 crore health insurance plan purchase is made so easy with PolicyX insurance aggregator. Follow the steps given below to buy the best 1 crore health insurance efficiently:

  • Visit PolicyX website
  • Click the 'One Crore Health Plan' button under Health Insurance
  • Fill in your details such as name, age, contact number, etc.
  • Pay the premiums instantly and purchase your 1 Crore health insurance
  • Post-purchase you will receive the details of your 1 Crore health insurance via email.

P.S. Our IRDAI-certified insurance experts will provide end-to-end service for your 1 crore plan purchase, from providing policy guidance to renewal and claim support.

Steps To Claim 1 Crore Health Insurance Plan

Follow the steps given below to ensure a smooth claim settlement process for your 1 Crore health insurance plan:

  • Step 1

    Notify the insurance provider promptly, usually within 24 to 48 hours in case of an emergency hospitalization, and 72 hours before a planned hospitalization.
    The time of intimation may vary from insurer to insurer.

  • Step 2

    Submit relevant documents such as medical bills, diagnostic reports, prescriptions, and claim forms along with the pre-authorized form at the TPA desk.

  • Step 3

    Your health insurance provider will review and verify the documents submitted by you as per the norms.

  • Step 4

    Post verification, your health insurance provider will settle the claim directly with the network hospital, or reimburse your medical bill in case of a non-network hospital.

For any further queries connect with PolicyX claims team at 1800-4200-269

Wrapping It Up

In the coming years, India will serve as one of the biggest markets for health insurance. With medical inflation and increasing basic medical care expenses, the Indian customer is motivated to invest in a 1 crore health insurance more than ever before. Additionally, lifestyle diseases and stress-inducing factors have caused most individuals to be pre-diabetic, suffering from hypertension, etc.

With a high sum insured, you are promised 360-degree coverage features regardless of your city or zone. Select a suitable 1 crore health insurance plan for your family members with the help of PolicyX insurance experts today.

Health Insurer Network Hospitals

1 Crore Health Insurance Plan: FAQs

1. What are the tax benefits of a 1 crore health insurance?

Tax deductions under section 80D as per the Income Tax laws of India are applicable in case you purchase a 1 crore health insurance plan.

2. Do 1 crore health insurance plans cover pre-existing diseases?

1 crore health insurance plans may or may not cover PEDs after a specific waiting period as per the terms and conditions of the health insurance provider.

3. How is 1 crore health insurance better than a 25 lakh health insurance plan?

A 1 crore health plan provides a wide scope of health coverage compared to a 25 lakh health cover.

4. Do I need a 1 crore health insurance?

While a 1 crore health insurance proves to be useful it is not necessary to invest in one. It depends entirely on your family size, lifestyle, location, family history with critical illnesses, and most importantly budget!

5. What are the common benefits of 1 crore health insurance?

Some common benefits of investing in a 1 crore health insurance are:

  • Protection from medical inflation
  • Higher scope of coverage
  • Peace of mind
  • Adequate coverage against critical illness/es

6. What are the different types of 1 crore health insurance plans?

You can invest in the following types of 1 crore health plans:

  • Individual 1 crore health plans
  • Family floater 1 crore health plans
  • Top-up 1 crore health plans
  • Super top-up 1 crore health plans

7. Where can I compare and buy the best 1 crore health plans?

You can compare and purchase the best 1 crore health plans from India's leading insurance aggregator PolicyX

8. What is the entry age for 1 crore health insurance plans?

The entry age for 1 crore health insurance is 18 years for adults and as young as 1 to 91 days for dependent children.

9. Which family relations can be covered under 1 crore health insurance plans?

The relations covered under a 1 crore health insurance plan will depend from insurer to insurer. However, some common relations are:

  • Spouse
  • Parents
  • Parents-in-law
  • Siblings
  • Grandparents
  • Dependent children

10. What are some common riders available with a 1 crore health insurance plan?

Some common riders you can purchase with a 1 crore health plan are:

  • Critical illness rider
  • Personal accident rider
  • Hospital cash benefit rider
  • Waiver of co-payment
  • OPD care rider

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What Our Customers Have to Say

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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.