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1 Crore Health Insurance

Rising healthcare expenses are a universal concern in today’s day and age. To help with the financial burden of healthcare, a good health insurance plan is a must. A 1 crore health insurance is a significant health cover that amply caters to health inflation and will adequately safeguard your finances in a major medical emergency. ...Read More

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1 Crore Health Insurance

What Is 1 Crore Health Insurance?

1 Crore Health Insurance
April 11, 2025

Table of Content

 

A 1 Crore Health Insurance provides extensive coverage of up to 1 crore rupees for medical expenses. It ensures you remain fully protected against unexpected healthcare costs. This policy lets you access top-notch medical treatments without worrying about financial constraints. It is like having a safety net that ensures your health and well-being are always prioritized, no matter what.

Benefits of Buying 1 Crore Health Insurance?

Some of the benefits of buying a health policy with 1 crore sum insured are: 

Extensive coverage

A 1 cr health insurance policy provides comprehensive protection. It allows you to access extensive medical treatments, including hospitalisation, surgeries, and specialized care.

No Coverage Limit Concerns

Say goodbye to worries about exhausting your coverage. With a 1 crore sum insured, you have ample protection for your family's medical needs.

Coverage for Various Medical Expenses: 

You can benefit from in-patient and daycare treatments, pre- and post-hospitalisation expenses, modern treatments, donor expenses, and even road and air ambulance services.

Top Quality Medical Treatment

Get the top medical treatment you need without breaking the bank. Choose well-known hospitals and physicians without sacrificing quality.

Coverage for Various Healthcare Treatments

When you have health insurance, you won't have to worry about out-of-pocket costs for things like in-patient and daycare treatments, out-of-pocket costs for things like modern therapies, donations, and even ambulance services.

Option for Global T-Coverage

If you travel a lot or need specialized treatments overseas, you may be happy to know that certain plans cover medical procedures outside of the nation.

Reduced Taxable Income

Under the provisions of Section 80D* of the Income Tax Act, health insurance premiums may be deducted from taxable income.

Why Do You Need 1 Crore Health Insurance?

Here are a few reasons why you need a 1 crore health insurance policy:

  • Rising Healthcare Costs

With the cost of operations and treatments rising annually, medical inflation in India is growing at an alarming rate. Medical expenses for serious conditions including cancer, heart conditions, and organ transplants can reach millions or even billions. You and your family may get the best medical treatment without worrying about money if you have ₹1 crore health insurance coverage.

  • Health Conditions Due to Lifestyle

Serious health problems including diabetes, high blood pressure, and cardiovascular illnesses get worse in modern lifestyles. Long-term health issues are being caused by poor diets, sedentary lifestyles, and elevated stress. Financial protection against hospitalisation, chronic diseases, and emergency treatments is provided by a high-coverage insurance policy.

  • Enough Coverage

A standard health insurance plan of ₹10–₹20 lakh could not cover extensive procedures or extended medical care. A coverage of ₹1 crore serves as a buffer, guaranteeing that you may receive high-quality medical treatment in private hospitals without draining your resources. Additionally, it covers post-hospitalisation costs, specialised physicians, and cutting-edge therapies.

What’s covered under 1 Crore Health Insurance Plan?

Following is what gets covered under a ₹1 crore health insurance policy:

  • Hospital Stay Expenses

Hospitalisation costs, such as room rent, intensive care unit fees, and general boarding costs, are covered by a health insurance plan worth ₹1 crore. It guarantees that you get the most effective medical treatment possible without having to worry about your budget. All necessary hospital costs are covered, regardless of the length of your stay, which eases the strain on your finances.

  • Surgical and Diagnostic Expenses

The plan ensures financial support for essential procedures by covering both big and minor surgeries. In order to enable prompt medical evaluations, diagnostic tests including MRIs, CT scans, X-rays, blood tests, and biopsies are also provided. These advantages guarantee continuous medical care by assisting in early diagnosis and treatment without requiring out-of-pocket payments.

  • Pre- and Post-Hospitalisation Costs

Health insurance covers pre- and post-treatment costs in addition to hospital stays. Prior to hospitalisation, it involves medical exams, doctor consultations, and diagnostic testing. A thorough recovery process free from further financial strain is ensured by covering post-hospitalisation costs including follow-up examinations, prescription drugs, and rehabilitation treatments.

  • Coverage for Daycare Procedures

A lot of modern therapies only need a few hours in the hospital. Chemotherapy, dialysis, cataract surgery, angioplasty, and other surgeries that do not necessitate a 24-hour hospital stay are all covered by this coverage. These procedures are still costly, but with insurance coverage, you can access quality healthcare without financial worries.

  • Ambulance and Emergency Medical Transportation

Emergency medical care necessitates prompt hospital transfer. In order to guarantee timely access to treatment, a ₹1 crore health insurance coverage covers the cost of ambulances, air ambulances, and emergency medical transportation. These expenses, whether for air or road trips, might be high, but this plan offers financial assistance in times of need.

  • Organ Transplant Coverage

Organ transplants are costly yet life-saving operations. The costs of organ donation, hospital stays, pre- and post-operative care, and transplant-related medical testing are all covered by this plan. It lessens the financial burden related to transplant surgery by guaranteeing both the donor and the recipient receive the required medical care.

  • Alternative Medicine Coverage

Alternative medicine is preferred by many people over traditional medical care. This insurance coverage provides access to a variety of healthcare modalities by covering therapies under AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homoeopathy). Whether for chronic illnesses or recovery treatments, the inclusion of AYUSH therapies provides more options for holistic medical care.

What’s Not Covered under 1 Crore Health Insurance Plan?

Here is a list of scenarios that are not covered under a ₹1 crore health insurance plan:

  • Cosmetic Procedures and Treatments

Unless necessary due to an accident or a medically necessary condition, elective operations such as plastic surgery, botox, liposuction, or other cosmetic improvements are not covered by health insurance. Since they are deemed non-essential, some treatments are not covered by regular insurance.

  • Experimental and Exploratory Treatments

Unverified gene therapies, new drug trials, and experimental surgeries are among the medical treatments that are not covered since they are not clinically authorised. Under a ₹1 crore health insurance policy, only procedures that have been approved by the regulation and recognised by doctors are covered.

  • Injuries from High-Risk Activities

Medical costs associated with high-risk sports like professional racing, rock climbing, paragliding, and skydiving are not covered. Since these activities are deemed dangerous, any injuries received while participating in them are not covered by health insurance.

  • Exclusion of Certain Medical Conditions

Health insurance policies may have exclusions for specific conditions like HIV/AIDS, STDs, self-inflicted injuries, or congenital disorders. Pre-existing diseases might have a waiting period before coverage starts, depending on the insurer’s terms and conditions.

 

How Much Premium Do I Need to Pay to Buy the 1 Crore Medical Insurance?

Here are some general ranges for 1 crore health insurance premium costs in India. The exact amount will depend upon several factors: 

Policyholder

Age

Premium Range

Young adult

18-35 years

₹8,000 - ₹15,000 per annum

Adults

36-45 years

₹15,000 - ₹22,000 per annum

Middle-aged adults

46-55 years

₹22,000 - ₹35,000 per annum

Important Points to Consider When Buying ₹1 Crore Health Insurance

Keep reading to understand certain crucial points to remember while purchasing a ₹1 crore health insurance policy:

  • Covered Expenses

Hospitalisation, surgeries, nursery operations, and post-treatment costs are all covered by a health insurance plan worth 1 crore. Always carefully read the insurance terms to make sure they cover essential treatments, satisfy your medical needs, and offer complete financial protection against unforeseen medical expenses.

  • Waiting Period

Before paying for pre-existing diseases, maternity costs, or certain treatments, health insurance policies at times have a waiting period. Each insurer has a different time frame, however it usually ranges from 30 days to many years. To prevent future claim denials, always confirm these deadlines before making a purchase.

  • Network Hospitals

Selecting an insurance that has a large network of cashless hospitals guarantees easy access to care without requiring payment in advance. To save trouble during crises and to take advantage of hassle-free claim processing, confirm whether the hospitals of your choice are part of the network.

  • Renewable for Lifetime

  • No Claim Bonus (NCB)

Insurers give you a No Claim Bonus (NCB) if you do not make a claim during a policy year. This raises your sum insured without raising your premiums and provides better coverage advantages in the years that follow for leading a healthy lifestyle.

Note: No Claim Bonus (NCB) is not applicable to all health insurance policies. It depends on the specific terms and conditions of the insurer and the policy you choose.

  • Your Healthcare Needs

Analyse your lifestyle choices, medical history, and any health concerns before acquiring coverage. In order to guarantee that you receive sufficient financial help when needed, a plan should be tailored to your individual needs and cover diseases linked to your lifestyle, genetic disorders, and future medical concerns.

  • Premium

A ₹1 crore health insurance policy's premium is determined by several variables, including add-ons, covering features, and age. Selecting a plan with a larger deductible might assist in lowering costs without sacrificing necessary medical protection, even when higher coverage entails higher rates.

  • Buy Health Insurance Online

Convenience, speedy policy issuance, and access to special discounts are all benefits of buying health insurance online. Before choosing, compare several plans, study user reviews, and verify coverage information. Additionally, digital platforms offer immediate documentation, which streamlines and simplifies the process.

Steps to Buying a ₹1 Crore Medical Insurance Plan Online

Here are the steps to follow for purchasing a ₹1 crore medical insurance plan using online mode:

  • Compare Insurance Companies and Plans

Research and compare multiple insurers based on their features, premiums, claim settlement ratio, and hospital network.

  • Browse Plans and Coverage Options

Look at different coverage options, such as individual, family floater, or senior citizen plans, to find the best fit.

  • Consider Your Needs and Budget

Assess your healthcare needs and ensure the policy aligns with your financial capacity.

  • Fill Out the Application Form

Accurately provide personal details, medical history, and nominee information.

  • Secure Necessary Documents

Documents like Aadhaar, PAN, medical history, and income proof may be required.

  • Pay Premium Online Using Secure Methods

Use net banking, UPI, or debit/credit cards to complete the payment securely.

  • Receive Your Policy Digitally

Once approved, the policy document will be sent to your registered email.

  • Confirmation and Policy Document

Review your policy details carefully and store a soft copy for future reference.

Eligibility Criteria to Buy a ₹1 Crore Health Insurance Policy

To easily apply for a ₹1 crore health insurance plan, you need to fulfill the following eligibility criteria:

  • Age Requirement

For those between the ages of 18 and 65 years, the majority of insurers offer health insurance coverage of ₹1 crore. Children older than 91 days are also covered under family floater policies. Although prices are often higher, certain insurers may offer coverage for a period longer than 65 years.

  • Medical History Disclosure

When purchasing a ₹1 crore health insurance coverage, it is imperative to disclose any pre-existing medical issues. Withholding medical history might lead to the denial of a claim. Before issuing the insurance, some insurers demand a medical checkup in order to evaluate health risks and determine premiums.

  • Financial Stability and Premium Payment

To provide continuous coverage, a ₹1 crore health insurance policy needs regular premium payments. To prevent insurance lapses, evaluate your financial situation prior to choosing a plan. Choosing a bigger deductible can lower the cost of your premiums.

  • Residency Requirement

Indian citizens and Non-Resident Indians (NRIs) can purchase health insurance in India, provided they meet eligibility criteria. However, unless the policy specifically provides worldwide coverage advantages for hospital stays and treatments abroad, the majority of policies do not cover medical costs incurred abroad.

What are the Documents Required to Buy 1 Crore Medical Insurance?

Here are the documents required to buy 1 Cr. medical insurance:

  • Valid Passport

  • Voter’s Identity Card Issued by Election Commission of India

  • Valid Permanent Driving License

  • Adhaar Card

  • PAN Card

  • Passport Size Photos

  • Bank Statements or ITR for Income Proof in some cases.

Conclusion

A 1 Crore health insurance policy offers exceptional coverage, providing you and your loved ones with extensive protection against a wide range of medical emergencies. This significantly higher sum insured ensures that you can confidently face even the most costly and complex hospitalizations, treatments, or long-term medical care without compromising your financial stability.

This level of coverage is particularly valuable in today's healthcare landscape, where advanced medical treatments and specialized care can quickly escalate costs. With a 1 Crore policy, you're better prepared to handle serious illnesses, prolonged hospital stays, or multiple family medical events within a single year.

However, it's important to note that while a 1 Crore health insurance policy provides substantial medical coverage, it may not address all aspects of your overall financial security. To ensure comprehensive protection for you and your family, consider complementing your health insurance with an appropriate life insurance policy.

FAQs on 1 Crore Health Insurance

How much does 1 crore medical insurance cost?

Age, health history, coverage features, insurance company, and other variables all play a role in determining how much a 1 crore medical insurance policy would cost. The larger the coverage amount, the more affordable the rates for a 1 crore policy will be since the insurer is taking on more financial risk.

Who is qualified to purchase a 1 crore health insurance policy?

An individual may get a 1 crore health insurance coverage if they are within the insurance provider's stipulated age eligibility conditions and fulfil the underwriting standards. Policies often include health and financial stability requirements, and policy buyers must be citizens or permanent residents of the purchasing nation.

Is purchasing a 1 crore health insurance policy worth it?

Those looking to safeguard themselves financially from unexpected medical expenses and expand coverage options may consider purchasing a 1 crore health insurance policy. It is a huge relief to be able to pay for a wide range of medical costs without worrying about going into debt.

What is the age limit for 1 crore health insurance?

Most insurers allow individuals up to 65 years to buy a policy, but some provide coverage beyond this age with higher premiums.

What is the grace period on 1 Crore health insurance Plan?

When you renew your 1 crore health insurance policy after the premium is due, you'll have more time to do it without losing coverage, thanks to the insurer's grace period. Usually, you should expect a grace period of fifteen to thirty days. However, this might vary from insurer to insurer and policy to policy. To keep coverage continuous, renew the insurance during the grace period.

What is the maximum amount of health insurance?

Health insurance coverage varies from ₹5 lakh to ₹1 crore or more, depending on the insurer and plan benefits.

How to Calculate Premium for 1 Crore Health Insurance?

Premium depends on age, medical history, lifestyle habits, family coverage, and add-ons. Use online premium calculators for an estimate before purchasing.

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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*The afore stated views are based on the current Income-tax law. Also, the customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.

1. Annual Premium amount ₹ 1869 for Male aged 35 years, Base Benefit, 10 years term, Regular Pay option, Sum Assured=10 lakhs, excluding Taxes & levies as applicable.

ARN - ED/03/25/22530