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Health Insurance 851 views March 5, 2021
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.
Table of Contents
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.
Policy Name | Sum Insured (In INR) | Minimum Yearly Premium Amount (In INR) |
---|---|---|
Niva Bupa Health Companion - Family Health Insurance Plan | Variant 1: 3-4 Lakh Variant 2: 5-12.5 Lakh Variant 3: 15 Lakh to 1 Crore | 5,085 |
HDFC ERGO my:credit Comprehensive Suraksha | 1 Lakh to 5 Crore | As specified by the insurer |
New India Premier Mediclaim Policy | Plan A: 15-25 Lakh Plan B: 50 Lakh to 1 Crore | 12,519 |
IFFCO Tokio Critical Illness Benefit Policy | 1 Lakh to 1 Crore | 238 |
Aditya Birla Activ Assure Diamond Plan | 10 Lakh to 2 Crore | 2,774 |
Star Comprehensive Insurance Policy | 5 Lakh to 1 Crore | 7,015 |
Under Niva Bupa Health Companion – Family Health Insurance Plan, the insured person will get coverage for the following –
The insured can get Niva Bupa Health Companion – Family Health Insurance Plan benefits like –
HDFC ERGO my:credit Comprehensive Suraksha provides you financial coverage against the following critical illnesses –
Your critical illness coverage may vary under HDFC ERGO my:credit Comprehensive Suraksha if you choose any of the following covers
This policy is designed to cover the insured’s hospitalization expenses such as –
New India Premier Mediclaim Policy also provides benefits like hospital cash, critical illness coverage, maternity and newborn baby cover, etc.
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 –
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.
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 –
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.