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Updated on Nov 10, 2025 8 min read
1 Crore Health Insurance
Consistently rising healthcare expenses and increasing health ailments are taking their toll on the Indian health sector. A 1 crore health insurance plan emerges as a shield offering comprehensive coverage against extensive health care expenses. A base health plan may not be adequate in case of a critical illness. Now you may wonder, how much does 1 crore health insurance cost? Do not worry, health insurers have made 1 crore health insurance affordable, along with flexible premium payment options.
This article provides detailed insights into the best one-crore health plans, including benefits, features, the claim settlement process, and more.
Best 1 Crore Health Plans 2025
Below mentioned are 1 Crore health insurance plans with affordable premiums
| Family Health Plan | Claim Settlement Ratio 2022-23 | Sum Insured (In Rs.) | Incurred Claim Settlement Ratio (2024) |
| Niva Bupa ReAssure 2.0 | 100% | 5 L - 1 Cr | 59.02% |
| Care Supreme | 100% | 7 L - 1 Cr | 57.69% |
| Star Health Assure | 99.21% | 5 L - 1 Cr | 66.47% |
| Care Ultimate | 100% | 5 L - 1 Cr | 57.69% |
traordinary Advise
A 1 crore health insurance plan is your shield against the rising cost of medical care expenses. Before investing in a 1 crore health plan, compare and analyze all necessary coverage features or speak to our insurance experts on a 30-minute personalized call.
What Is 1 Crore Health Insurance?
A 1 crore health insurance plan offers coverage of up to 1 Crore or 100 Lakhs to the policyholder and his/her family. You can claim medical care expenses up to SI with your 1 crore health plan. 1 Crore health insurance plans in India are ideal for those with a family history of critical illnesses. However, everyone can avail the medical care benefits of the health plan.
It is a robust safety net against advanced treatments, modern treatments, critical illnesses, hospitalization expenses, and more.
Benefits of 1 Crore Health Insurance Plans
Mentioned below are the top 5 benefits of investing in a 1 crore health insurance in India:
High Sum Insured
India witnessed the highest medical inflation in Asia at 14%. Investing in a 1 Crore Health Insurance for your family members, including senior citizens provides you with adequate funds and ensures access to quality healthcare without depleting savings.Cashless Treatments
All health insurance providers in India offer cashless treatments. Investing in an affordable 1 crore health insurance ensures you avail of quality healthcare at cashless network hospitals without any hassle.Affordable Advanced Treatments
A 1 crore health insurance is your answer to expensive advance treatment bills. Investing in a high sum insured health plan ensures you have access to advanced and modern treatments that can otherwise break the bank.Adequate Family Cover
If you are the sole breadwinner of your family, a 1 crore health insurance plan is for you. It can cover all your family members including senior citizens, dependent children, spouses, and more.Tax Benefit
Investing in a 1 crore health plan ensures tax benefits under section 80D of the Income Tax Act.
How Much Does 1 Crore Health Insurance Cost?
Buying a 1 crore health insurance plan does not necessarily mean you have to break your savings. Our 1 crore medical insurance premium calculator can help you review your ideal health plan. Premiums vary as per the policyholder’s age, medical history, location, and other factors. Request a quote today for your 1 Crore Family Health Insurance premium to make an informed purchase decision.
5 Reasons You Must Invest In 1 Crore Health Insurance
Your question of why I should invest in a 1 crore health plan is answered below. Let us explore:
An Increased Risk Of Critical Illness
Multiple studies have shown that Indian youth are at an increased risk of chronic diseases and critical illnesses. The credit goes to sedentary lifestyles, pollution, poor eating habits, and lack of proper sleep. Investing in an affordable 1 crore health plan offers adequate funds to tackle critical/ chronic illness treatmentsAdd-on Coverage
With a 1 crore sum insured health cover, you do not have to worry about paying extra premiums for add-ons. Most coverage features will be available with your health plan.Fight Medical Inflation
Medical inflation is rising at an alarming rate. To fight this inflation, a 1 Crore health insurance is your answer. If you are worried about the premiums, use a 1 crore medical insurance premium calculator or speak to our insurance experts today.Best Medical Professionals
Availing of the best medical professionals can lead to high consultation fees. Investing in a 1 crore health insurance ensures you have adequate funds to consult the best medical professional in town.Peace Of Mind
A 1 crore health insurance offers peace of mind to the policyholder with a wide scope of coverage benefits without any financial stress.
Who Can Buy 1 Crore Health Insurance?
Below mentioned people can benefit from a 1 crore health insurance plan, find out if it’s suitable for you:
Individuals with dependents
A single earning member in the family with dependents like spouse, children, parents/parents-in-law can avail of a 1 crore health plan. A 1 crore health insurance is beneficial if you have senior citizens at home who can be included under the same plan.Pre-existing conditions
If you are someone with pre-existing conditions, then you should invest in a 1 crore health insurance plan, as these conditions might worsen over the years.Critical Illness history in the family
Individuals who have a family history of critical illnesses like cancer, heart ailments, etc., have a higher chance of developing them later in life. A 1 crore health plan is ideal for such individuals.Risky Job/ Lifestyle
A risky lifestyle/ job may lead to higher chances of injuries, ailments, or hospitalization. A 1 crore health insurance will cover their medical care bills.
What Is Covered In 1 Crore Health Insurance?
Let us take a look at the general inclusions of a 1 Crore health plan in India.
- Pre and post-hospitalization expenses
- Major illnesses like cancer or major organs, cardiac ailments, etc
- Doctor’s consultation
- Major surgeries and procedures
- Organ donor expenses
- Cataract expenses
- International second opinion
- Emergency ambulance cover
- Modern treatment
- Advanced methods, etc.
Coverage features for 1 crore health plans may vary from insurer to insurer. You can also opt for add-on covers and riders if required with your 1 crore health plan.
Tips To Pick The Best 1 Crore Health Insurance
To ensure you buy the best 1 Crore Health Insurance at affordable premiums, follow the tips given below.
- See to it that your preferred hospital is a part of your 1 Crore individual or family health insurance provider.
- Check for co-payment clauses in your 1 crore health insurance in India.
- Consider the customer support and claim settlement support process before buying your 1 crore health plan.
- Review all the inclusions and exclusions covered and select any add-ons if required.
- Consider the claim settlement ratio, as it is a big indicator of hassle-free claim settlements.
3 Determining Factors Of 1 Crore Health Insurance Premiums
Several factors influence 1 Crore health insurance premiums, but the top three are:
Your Age
The policyholder’s age is the number one determining factor when it comes to evaluating 1 crore health insurance.Medical Conditions
Health Insurance premiums for 1 crore health insurance depend on a policyholder’s pre-existing medical conditions. People with pre-existing health conditions are considered high-risk individuals by health insurers since they result in a higher chance of claims.Your Location
Healthcare costs in urban India are higher than in rural India. Your place of residence matters significantly when determining the 1 Crore health insurance premiums.
How To Buy 1 Crore Health Insurance in India?
If you are looking forward to buying the best 1 crore health insurance plan in India, look no further and follow these easy steps:
- Visit the official website of PolicyX.com
- Fill in your details like name, age, city, family members to be covered, and more.
- Compare all 1 crore health plans with features, premiums, and additional rider benefits.
- Schedule a call with our insurance experts for a personalized 30-minute doubt-clearing session.
Documents Required To Buy 1 Crore Health Insurance Plans
When purchasing a 1 crore health insurance plan in India, you’ll generally need to provide the documents mentioned below to verify your identity, age, and address.
Identity Proof:
Your insurer may ask you to provide your Aadhaar card, Passport, Voter ID, or Driving License.Address Proof:
To purchase a 1 Crore health insurance policy, you must provide documents such as an Adhaar card, utility bills, Voter ID, etc., as address proof.Age Proof:
Submit your age proof with a birth certificate or passport to verify your age before buying a 1 crore health insurance.Medical Documents:
Some health insurance providers may request recent medical reports or health check-up results.
How To Claim 1 Crore Health Insurance?
Claiming your 1 crore health insurance plan is a hassle-free process. Simply follow the steps given below:
- Notify your health insurance provider immediately on hospitalization for emergency cases and 24-48 hours before hospitalization in case of planned hospitalization.
- Submit all the necessary documents for a hassle-free process of your 1 crore health insurance.
- Your health insurance provider will assess all the documents you provided before approving your 1 crore health claim.
- Once approved by your health insurance provider, your 1 crore health plan claim amount is settled directly with the hospital.
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1 Crore Health Insurance: FAQs
1. How much does 1 crore health insurance cost?
The premium for 1 crore health insurance plans varies on multiple factors like the age of the policyholder, pre-existing conditions, zone, and more. Compare your 1 crore health plan premiums with our calculator.
2. Can I buy 1 crore Health Insurance for Rs. 400 per month?
Depending on the health insurance company you purchase it from, a 1 crore health insurance plan can cost as low as 400. However, you must check all the coverage features accordingly.
3. How to use the 1 crore medical insurance premium calculator?
Simply visit our website and insert all the necessary details like age, name, city, and number of family members to be covered to calculate 1 crore health insurance premiums.
4. What is the average 1 Crore Health Insurance Premium?
The average cost for your 1 crore health insurance premium may vary as per your coverage requirements, age, and other factors.
5. Is 1 crore health insurance suitable for senior citizens?
Given the increased risk of serious illnesses with age, a 1 crore health insurance policy is a wise choice for senior citizens, as standard plans often fall short of covering completely.
6. Which is the best 1 crore health insurance in India?
The best 1 crore health insurance plans in India rely on different factors like claim settlement ratio, coverage features, add-on covers, and more. However, multiple companies offer the best 1 crore health plans like Care, Star, Niva Bupa, Aditya Birla, and more.
7. Can I buy 1 Crore family health insurance at an affordable premium?
Yes, you can purchase a 1 crore family health insurance plan at an affordable premium by comparing quotes and features with our premium calculator. If you are the only earning member of your family, purchasing a family floater 1 crore health insurance is the best option.
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Written By: Himanshu Kumar
Himanshu is a seasoned content writer specializing in keeping readers engaged with the insurance industry, term and life insurance developments, etc. With an experience of 2 years in insurance and HR tech, Himanshu simplifies the insurance information and it is completely visible in his content pieces. He believes in making the content understandable to any common man.
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