10 Lakh Insurance To Shield You From A Medical Emergency
37-year-old Rishabh didn't have enough savings to fund his wife's dialysis treatment, so he had to sell his only commercial property. He realized that having health insurance with critical illness coverage or a family floater health policy with critical illness riders has become a necessity nowadays. Rishabh learned this lesson late and had no choice but to buy suitable family health insurance. But you can start early with an affordable premium health policy. If you have dependent family members and cannot afford expensive medical bills on your own, a health insurance policy will support you during tough times.
All you have to do is choose a suitable plan for yourself and your family with the best 10 lakh health insurance cover. If you're planning to buy your first health insurance policy, then health insurance plans for 10 lakhs are sufficient to meet your basic healthcare needs.
This article covers everything about 10 lakh health insurance premiums, their inclusions and exclusions, how to buy them, and which 10 lakh health policy is right for you. Read further to know more.
KEY TAKEAWAYS
- 10 lakh health insurance plans are affordable yet provide comprehensive healthcare coverage.
- It's suitable for first-time health insurance buyers, senior citizens, young individuals, and women.
- You should plan to buy your insurance only after calculating the medical insurance premium for 10 lakhs.
- 10 lakh health insurance plans offer individual and family floater benefits, senior care, maternity benefits, critical illness, and accidental rider benefits, among others, depending on your policy coverage.
- It's suggested to buy a high sum insured policy because a higher sum insured typically means broader coverage options. Plan accordingly.
Best health insurance plans for 10 Lakhs sum insured
Choosing a 10 lakh health insurance plan on your own can be tricky. It's wise to compare health plans with multiple options first and then select the best one. We have some of the best health insurance suggestions with 10 lakh sum insured health plans so you don't have to overwork before buying one.
Also, the premium value of the following plans is based on age factor; it may vary depending on the zone of residence, medical conditions, coverage enhancement, add-on riders, and so on. The data below is for a 1-year policy period.
| 10 Lakh health plans | |||
|---|---|---|---|
| Category of plans | Entry age (in years) | Premium per month (approx.) | USPs of the plan |
| Individual plans (Premium for insured aged 25 years) | |||
| Niva Bupa Aspire Gold+ | 18 - 65 | ₹ 616 | Maternity cover, In-patient care, Daily hospital cash, Optional worldwide cover, Wellness benefits |
| ManipalCigna Prime Active | 18 - 70 | ₹ 794 | In-patient care, Daily hospital cash, Wellness benefits, Domiciliary hospitalization, Pre-existing diseases |
| Aditya Birla Activ Health Platinum - Enhance | 18 - No limit | ₹ 713 | Daily hospital cash, Worldwide cover, In-patient care, Pre-existing diseases, Non-allopathic coverage |
| Family floater plans (2 Adults+2 Children) (Premium for insured aged 25 years) | |||
| Niva Bupa Reassure 2.0 Bronze+ | 18 - 65 | ₹ 1,655 | No pre-policy examination, In-patient care, Pre-existing diseases, Domiciliary hospitalization, 3X cumulative bonus booster |
| ManipalCigna Prime Protect | 18 - No limit | ₹ 1,805 | Optional maternity cover, Optional newborn care, In-patient treatment, No co-pay clause, Wide daycare coverage |
| Star Assure | 18 - 75 | ₹ 1,982 | Maternity cover, Rehabilitation & pain management, Newborn baby cover from day 1, Wellness benefits, No co-pay clause |
| Senior citizen plans (2 Adults) (Premium for insured aged 66 years) | |||
| Niva Bupa Senior First - Platinum | 61 - 75 years | ₹ 5,903 | No sub-limits, Air ambulance cover, In-patient treatment, Unlimited restoration of the sum insured, No pre-policy examination rule |
| Care Freedom | 46 - Lifelong | ₹ 8,103 | 170 daycare procedures, Home care treatment, Care shield benefit, COVID care with OPD benefit, Lump sum payout cover |
| ManipalCigna Prime Senior Classic | 56 - 75 | ₹ 3,730 | Modern & advanced treatment, Teleconsultation facility, Pre-existing diseases cover, Optional PED waiting period reduction, No pre-acceptance required |
| Critical illness plans (Insured aged 25 years, based on zone and profession) | |||
| Care Critical Mediclaim | 18 - No limit | ₹ 1,018 | Dialysis cover, Covers 32 specified critical illnesses, Psychiatric counseling, Chemo and radiotherapies cover, International second medical opinion |
| Niva Bupa CritiCare | 18 - 65 | ₹ 2,384 | Covers 20 critical illnesses, AccidentCare cover, HospiCare cover, Policy combinations available, Lump sum and staggered payout option |
| ManipalCigna Lifestyle Protection- Enhanced | 18 - 65 | ₹ 3,410 | Covers up to 30 critical illnesses, Online wellness programs, Staggered/lump sum payout cover, Worldwide emergency cover, Multiple riders available |
Inclusions & exclusions of 10 Lakh health insurance
| What does it cover? | What it does not cover? |
|---|---|
| In-patient hospitalization | Breach of law or an unlawful activity |
| Out-patient hospitalization (as per specified conditions) | Alcoholism or drug abuse |
| Daycare procedures | War, rebellion, nuclear explosions, life-threatening activities, etc. |
| Ambulance charges | Cosmetic, dental, beauty treatments, and plastic surgeries, etc. |
| AYUSH treatment cover | Infertility and sterility treatments, etc. |
| Pre-existing diseases (as per specified conditions) | Change of gender treatments |
| Worldwide coverage (in emergency, if specified in the policy) | HIV/AIDS, STDs, etc. |
Why should you buy 10 Lakh health insurance from PolicyX?
- We are a certified insurance web aggregator.
- We are trusted by our customers; over 80% of our customers are repeat customers.
- We provide a convenient and easy platform for policy comparison.
- We offer free consultation and guidance for renewals and support.
- We offer online discounts, making policies cheaper than buying them offline.
- We are trusted by insurance companies to sell their best-selling health insurance plans.
Process of buying health insurance plans for 10 Lakhs from PolicyX
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Step 1
Visit the official PolicyX website.
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Step 2
Click on 'Buy Now'.
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Step 3
Click on 'View Plans'.
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Step 4
After selecting a 10 lakh health plan that suits you, fill out all necessary details like contact number, number of family members, Pincode, etc.
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Step 5
Pay the premium, and you'll receive policy purchase confirmation from PolicyX.
Summary
As you read the unfortunate tale of Rishabh, stressed due to his wife’s medical emergency, I'm sure you never want to be in his shoes when facing similar medical challenges.
So,
Why not get basic health insurance with a minimum sum insured of 10 lakhs? A 10 lakh health insurance will not only save you from urgent medical distress, but it will also provide comprehensive coverage to you and your dear ones. These benefits depend on the 10 lakh health insurance premium you choose.
We have a 10 lakh health insurance premium calculator that will help you compare various 10 lakh health insurance policies and choose the best one for you. Or, if you need more guidance on health plans, call us at 1800-4200-269 to get your queries resolved in minutes.
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