Best Health Insurance Plans with 1 Crore Cover

Health insurance works as a backup in case a medical emergency arises and prevents your hard-earned savings from getting exhausted. But the sum assured i.e. the cover amount needs to be high to accommodate the rising healthcare expenses these days. Maybe a 1 crore health insurance cover you should look to have to meet all these expenses. But which health insurance plans come with such a massive cover amount? This is where we’ll focus here. Let’s read further and know about the best 1 Crore health insurance plans.

Best Health Insurance Plans with INR 1 Crore Sum Insured

Check below the popular health insurance plans having a cover amount of INR 1 crore and above. But how much will you need to pay to get this cover? For that, you can check the premium payable against each of these plans in the table shown below.

Niva Bupa Health Companion – Family Health Insurance Plan

Under Niva Bupa Health Companion – Family Health Insurance Plan, the insured person will get coverage for the following –

1. In-patient hospitalization
2. Hospital accommodation charge
3. Pre-and post-hospitalization medical expenses for up to 30 and 60 days, respectively.
4. All daycare treatments
5. Emergency ambulance up to INR 3,000
6. Domiciliary hospitalization
7. Organ transplant medical expenses for the donor only

The insured can get Niva Bupa Health Companion – Family Health Insurance Plan benefits like –

1. Refill Benefit – Your sum insured shall be restored to 100% of the base sum insured, provided your sum insured is exhausted in a claim. You can use the refill sum insured for a different illness or injury claims other than the already claimed illness or injury.
2. No Claim Bonus – 20% of the sum insured shall be increased at renewal if you haven’t claimed in the previous policy year. The maximum no claim bonus can be 100% of the base sum insured.
3. Hospital Cash Benefit – Up to 4,000 per day for a maximum of 30 days of hospitalization in the policy year.
4. Tax Benefit – You can save on your tax payment by claiming a tax deduction Under Section 80D

HDFC ERGO my:credit Comprehensive Suraksha

HDFC ERGO my:credit Comprehensive Suraksha provides you financial coverage against the following critical illnesses –

1. Cancer of specified severity
2. Open Chest CABG
3. Kidney failure requiring regular dialysis
4. Myocardial Infarction (First Heart Attack of specified severity)
5. Open Heart Replacement or Repair of Heart Valves
6. Major Organ/Bone Marrow Transplantation
7. Multiple Sclerosis with persisting symptoms
8. Permanent Paralysis of Limbs
9. Stroke resulting in permanent symptoms

Your critical illness coverage may vary under HDFC ERGO my:credit Comprehensive Suraksha if you choose any of the following covers

1. Critical Illness Cover
2. Women Suraksha Cover
3. Sachet Critical Illness Covers

New India Premier Mediclaim Policy

This policy is designed to cover the insured’s hospitalization expenses such as –

1. Room Rent, boarding and nursing expenses
2. ICU and ICCU expenses
3. Fees of Surgeon, Anesthetist, Medical Practitioner, Consultant and Specialist
4. Cost of anesthesia, blood, oxygen, operation theatre, surgical appliances, medicine/drugs, dialysis, chemotherapy, radiotherapy, artificial limbs, prosthetic devices, a surgical procedure like implantation of a pacemaker, relevant laboratory/diagnostic test, X-Ray and other medical expenses.
5. All hospitalization expenses for organ donor in respect of transplant
6. Road ambulance up to INR 10,000
7. Air ambulance up to INR 1 Lakh

New India Premier Mediclaim Policy also provides benefits like hospital cash, critical illness coverage, maternity and newborn baby cover, etc.

IFFCO Tokio Critical Illness Benefit Policy

Get coverage for up to 25 Critical Illnesses and Surgeries under IFFCO Tokio Critical Illness Benefit Policy along with a daily allowance of up to INR 1,000. The covered critical illnesses are as follows –

1. Cancer of specified severity
2. Kidney failure requiring regular dialysis
3. Multiple Sclerosis with persisting symptoms
4. Benign Brain Tumor
5. Motor Neuron Disease with Permanent Symptoms
6. End-Stage Lung Failure
7. End-Stage Liver Failure
8. Primary (Idiopathic) Pulmonary Hypertension
9. Parkinson’s Disease if age is < 50 years
10. Alzheimer’s Disease Before if age is < 50 years
11. Major Organs such as Heart, Lung, Liver, Kidney, Pancreas or Human Bone Marrow Transplant
12. Open heart replacement or repair of heart valves
13. Open chest CABG
14. Surgery Of Aorta
15. Stroke resulting in permanent symptoms
16. Permanent Paralysis of Limbs
17. Myocardial Infarction (First Heart Attack of specified severity)
18. Third Degree Burns
19. Loss of Speech
20. Blindness
21. Loss of Limbs
22. Deafness
23. Coma of Specified Severity
24. Major Head Trauma
25. Muscular Dystrophy

Aditya Birla Activ Assure Diamond Plan

Aditya Birla Activ Assure Diamond Plan comes with policy terms of 1, 2 or 3 years. You can purchase this policy either on an individual or family floater basis. The policy covers in-patient, pre- and post-hospitalization expenses, ambulance charges, domiciliary and daycare treatments. And under the Aditya Birla Activ Assure Diamond Plan, you will get benefits like 150% of the sum insured reload for subsequent claims unrelated to already claimed illness or injury, international and domestic emergency assistance for medical evacuation, etc., a daily allowance of INR 500 per day for each hospitalization.

Star Comprehensive Insurance Policy

With Star Comprehensive Insurance Policy, you can cover your hospitalization expenses like room rent, boarding, nursing, doctor/surgeon fees, cost of anesthesia, blood, oxygen, ICU, operation theatre, etc. Under the policy, the insured shall also get ambulance cover such as –

1. Road ambulance charges – subject to the hospitalization claim
2. Air ambulance charges – up to INR 5 Lakh per policy year

Your sum assured shall also be restored to 100% on exhaustion of the sum insured plus cumulative bonus, if any. This feature shall be available to you only once during the policy period.