1 Crore Health Insurance

1 crore health insurance provides up to ₹1 crore coverage for individuals or families, including hospitalisation, emergency care, and more. Know detailed coverage.
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1 Crore Health Insurance
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3 min
14-October-2025

In today's day and age, the cost of medical expenses is rapidly rising every year, making it increasingly essential for us to have adequate health insurance coverage. A 1 crore health insurance policy is an excellent option for individuals who want to provide themselves and their families with comprehensive medical coverage. In this article, we will break down the key benefits and features of a 1 crore health insurance policy in India and how one can purchase it online.

What is 1 Crore Medical Insurance Policy?

A 1 crore medical insurance policy provides extensive health coverage of up to Rs. 1 crore, ensuring financial protection against high medical costs. It covers hospitalisation, critical illnesses, surgeries, and advanced treatments, making it ideal for individuals seeking comprehensive healthcare security with higher sum insured options for medical emergencies.

Buy 1 crore health insurance online in India

Thanks to the rise of technology, buying health insurance online has become a seamless process. You can now purchase a 1 crore health insurance policy online from the comfort of your home or office by following a few simple steps. Here are the steps you need to follow to buy 1 crore health insurance online in India:

  • Visit the website of your preferred insurance provider.
  • Choose health insurance plans that provide coverage amount of 1 crore or more.
  • Select the 1 crore health insurance policy, and fill in your personal details, including your age, medical history, and contact information.
  • Check all the details entered and make the payment online to purchase the plan.
  • Your policy will be activated, and you can download it instantly.

The benefits of a 1 crore health insurance policy include comprehensive coverage, lifetime renewal, cashless hospitalisation, no-claim bonus, and family floater options. So, invest in a 1 crore health insurance policy online today to ensure complete coverage against medical emergencies and expenses.

Benefits of Rs 1 Crore sum assured in health insurance

A 1 crore health insurance plan is an excellent option for individuals who want extensive medical coverage for themselves and their families. The plan provides overall protection against hospitalisation expenses, critical illnesses, surgeries, and ambulance charges, among others. Here are the top features of the 1 crore health insurance plan:

  • Comprehensive coverage: A 1 crore health insurance policy covers you against a range of medical expenses, including hospitalisation, pre- and post hospitalisation, ambulance charges, and more. The coverage also extends to critical illnesses and surgeries, making it an ideal option for families with medical histories.
  • Lifetime renewable: Most 1 crore health insurance policies are renewable for a lifetime, ensuring that you have continuous medical coverage for yourself and your family.
  • Cashless hospitalization: A 1 crore health insurance policy offers cashless hospitalisation, which means that you can get medical treatment at a network hospital without having to pay any cash up front.
  • No Claim Bonus: Most 1 crore health insurance policies offer a no claim bonus, which means that you will be rewarded with a discount on your premium if you do not make any claims in a policy year.
  • Family floater options: Some insurance providers offer family floater health insurance policies with coverage of 1 crore. This means that your entire family can be covered under one policy, which can be more cost-effective than buying individual policies.
  • Financial security: A 1 crore health insurance plan provides robust financial security by covering high medical expenses, including hospitalisation, critical treatments, and advanced procedures. It ensures that you and your family can access the best healthcare facilities without worrying about financial strain, safeguarding your savings during medical emergencies.
  • Sum insured refill: Many 1 crore health insurance plans offer a sum insured refill benefit, which automatically restores the coverage amount if it gets exhausted due to claims. This feature ensures continuous financial protection, especially in case of multiple hospitalisations within the policy year.
  • Critical illness protection: A 1 crore health insurance plan often includes coverage for a wide range of critical illnesses such as cancer, heart attack, kidney failure, and stroke. These conditions usually require prolonged treatment and significant expenses, which can deplete your savings. With critical illness coverage, the insurer provides a lump-sum benefit or covers treatment costs, ensuring you get timely care without financial burden. This makes it a crucial safeguard for families with a history of severe health conditions.
  • Inflation and future needs: With medical inflation rising every year, healthcare costs are increasing rapidly. A 1 crore health insurance plan offers future-proof protection by providing a high coverage amount that can absorb the impact of inflation. It ensures that you continue to have sufficient coverage for expensive treatments, advanced technologies, and hospitalisation costs in the coming years. This high sum insured helps maintain your financial stability while meeting evolving healthcare needs.

Factors affecting 1 Crore medical insurance premium

A 1 crore medical insurance premium calculator helps you estimate the premium amount based on your coverage needs and personal profile. Once you understand how the calculator works, you can easily determine your 1 crore health insurance premium by considering the following factors:

  1. Past medical history: Your medical background plays a major role in premium calculation. If you have pre-existing conditions or a history of illnesses, your premium will be higher. Conversely, individuals with good health and no prior medical issues usually enjoy lower premium rates.
  2. Age: Health insurance premiums increase with age, as the risk of health issues rises. Buying a policy at a younger age can help you secure comprehensive coverage at a lower premium.
  3. Occupation: Your profession influences your premium cost. Jobs that involve higher physical risk—such as factory or construction work—typically attract higher premiums than low-risk occupations like desk jobs.
  4. Policy duration: Opting for a long-term health insurance policy often reduces your overall premium compared to a short-term plan, which may have higher renewal costs.
  5. Smoking habits: Smokers are considered high-risk applicants due to their increased chances of developing lifestyle-related diseases. Hence, insurance companies generally charge a higher premium for smokers compared to non-smokers.
  6. Geographical location: Your place of residence can affect premium pricing. Cities or regions with higher healthcare costs, pollution, or prevalent lifestyle diseases often have higher premium rates.
  7. Body Mass Index (BMI): A high BMI is associated with greater health risks like heart disease, hypertension, and diabetes. Therefore, individuals with a higher BMI are likely to pay more for their health insurance premiums.
  8. Plan type: The type of plan you choose also affects your premium. For instance, group health insurance policies usually have lower premiums compared to individual health plans offering similar benefits.
  9. Coinsurance feature: If you opt for a coinsurance clause—where you share a portion of the medical costs with the insurer—your premium amount will typically be lower. This is a cost-sharing feature that reduces the insurer’s risk and your overall premium.

What is the coverage of a 1 crore health insurance policy?

A 1 crore individual health insurance policy is an ideal option for individuals who want extensive medical coverage. These policies offer comprehensive coverage for a range of medical expenses, including hospitalisation costs, critical illnesses, ambulance charges, and more. Here are the key expenses covered by a 1 crore individual health insurance policy:

Coverage details of a 1 crore health insurance policy

  • In-patient hospitalisation: This policy covers hospitalisation expenses, including room rent, ICU charges, and surgical procedures.
  • Pre-hospitalisation: It covers the medical expenses that arise before hospitalisation.
  • Post-hospitalisation: The policy also covers medical expenses incurred after the hospitalisation.
  • Daycare procedures: The plan covers medical procedures that don't require hospitalisation and can be completed within 24 hours.
  • Ambulance charges: The policy pays for ambulance charges incurred in emergency situations.
  • Organ donor expenses: It covers the medical expenses incurred for the organ donor during transplantation surgery.
  • Coverage restoration benefit: The policy offers a restoration benefit, which means that the coverage amount is automatically restored once the policyholder exhausts it in a policy year.

A 1 crore health insurance policy provides comprehensive medical coverage for a range of expenses, ensuring that the policyholder and their family are protected during times of medical emergencies.

What is not covered in a Rs. 1 crore health insurance policy?

While 1 crore health insurance plans provide extensive coverage, certain exclusions apply:

  • Pre-existing diseases: Usually covered after a waiting period.
  • Cosmetic treatments: Procedures like plastic surgery are not included.
  • Maternity expenses: Some plans exclude or limit coverage for pregnancy-related costs.
  • Self-inflicted injuries: Injuries due to suicide attempts or substance abuse.
  • Non-allopathic treatments: Ayurveda, homeopathy, and naturopathy may not be covered.

1 crore health insurance premium

The premiums for a 1 crore health insurance policy depend on various factors such as age, medical history, and family medical history. These policies can be more expensive than a standard health insurance policy due to the higher coverage amount. However, the premium for a 1 crore health insurance policy can be reduced by selecting a higher deductible or opting for a family floater option.

In conclusion, a 1 crore health insurance policy is an excellent option for individuals who want to provide extensive medical coverage to themselves and their families. Buying health insurance policies online with up to 1 crore coverage online is a hassle-free and straightforward process that can be completed in a matter of minutes. So, invest in a health insurance policy today and ensure your family's peace of mind.

Pro Tip

Avail hospitalisation and treatment benefits with health insurance plans starting at just Rs. 15*/day.

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What documents are required to buy 1 Cr health insurance?

When purchasing a 1 crore medical insurance policy, insurers require essential documents for verification. These include:

  • Identity proof: Aadhaar card, PAN card, passport, or voter ID.
  • Address proof: Utility bills, ration card, or driving licence.
  • Age proof: Birth certificate, Aadhaar, or passport.
  • Income proof: Salary slips, IT returns, or bank statements (if applicable).
  • Medical history: Reports of pre-existing diseases, if required.
  • Recent passport-size photographs for policy processing.

Providing accurate documents ensures smooth policy issuance and claim settlement.

Top reasons to choose a 1 crore health insurance plan in India

A 1 crore health insurance plan offers extensive medical coverage, making it ideal for individuals and families. Key benefits include:

  • High sum insured: Covers major hospitalisation expenses, including ICU charges and surgeries.
  • Critical illness protection: Covers expensive treatments like cancer, organ transplants, and heart surgeries.
  • Cashless treatment: Avail treatment at network hospitals without upfront payments.
  • Lifetime renewability: Ensures uninterrupted coverage for long-term healthcare needs.
  • No-claim bonus (NCB): Increases sum insured if no claims are made.

How do I apply for 1 crore health insurance plan?

Applying for a 1 crore medical insurance plan is a simple process:

  1. Research and compare: Analyse different insurers, coverage options, and premium costs.
  2. Check eligibility: Ensure you meet the age, income, and health criteria.
  3. Choose the right plan: Select a plan that suits your healthcare needs and budget.
  4. Fill out the application form: Provide personal details, nominee information, and medical history.
  5. Submit documents: Upload identity proof, address proof, and income proof online or offline.
  6. Undergo medical tests: Some insurers may require medical check-ups before approval.
  7. Make payment: Pay the premium online or offline to activate the policy.
  8. Receive policy document: Once approved, you’ll receive the policy details via email or post.

Who needs a 1 crore health insurance plan?

A 1 crore health insurance plan is best suited for:

  • Individuals with a high risk of critical illnesses such as cancer, heart disease, or kidney failure.
  • Families seeking comprehensive coverage for multiple members under a single policy.
  • Frequent travellers who may require international treatment.
  • Seniors and middle-aged individuals with a history of medical conditions.
  • Self-employed professionals who do not have corporate insurance benefits.
  • People living in metro cities where healthcare costs are significantly higher.

This plan ensures financial security and peace of mind against medical uncertainties.

How does the 1 crore health insurance plan work?

A 1 crore medical insurance plan offers extensive financial coverage for medical emergencies. Here's how it works:

  • Premium payment: The insured pays a premium based on age, health condition, and policy features.
  • Cashless or reimbursement claim: Get treated at a network hospital for cashless benefits or pay and claim reimbursement later.
  • Coverage of medical expenses: Includes hospitalisation, surgeries, ICU charges, and critical illness treatments.
  • Sum insured refill: If the coverage amount is exhausted, some plans offer a refill facility.
  • Policy renewal: Most policies offer lifetime renewability, ensuring long-term health protection.

Who can buy a 1 Cr. health insurance policy?

Anyone looking for high-value health coverage can buy a 1 crore medical insurance policy. Eligible buyers include:

  • Individuals aged 18 to 65 years, depending on the insurer's guidelines.
  • Salaried and self-employed professionals who want comprehensive health protection.
  • Families opting for a floater plan to cover multiple members under one policy.
  • Senior citizens needing extensive medical support and hospitalisation coverage.
  • People with existing health conditions requiring critical illness coverage.

It is ideal for those who want to safeguard their finances against rising healthcare costs.

How to claim for your 1 crore health insurance?

Claiming your 1 cr. medical insurance is a straightforward process:

  1. Inform the insurer: Notify the insurance company within 24 hours of hospitalisation.
  2. Cashless claim: Get treatment at a network hospital and submit your health card for approval.
  3. Reimbursement claim: If treated at a non-network hospital, submit bills, reports, and prescriptions for reimbursement.
  4. Documentation: Provide necessary documents, including discharge summary, medical bills, and doctor’s prescriptions.
  5. Claim processing: The insurer verifies the documents and approves the claim as per policy terms.
  6. Settlement: For cashless claims, the insurer pays the hospital directly; for reimbursement, the amount is credited to your account.

Ensuring timely documentation speeds up the claim approval process.

In conclusion, a 1 crore health insurance policy is an excellent option for individuals who want to provide extensive medical coverage to themselves and their families. Buying health insurance policies online with up to 1 crore coverage online is a hassle-free and straightforward process that can be completed in a matter of minutes. So, invest in a health insurance policy today and ensure your family's peace of mind.

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Frequently asked questions

How much does 1 crore health insurance cost?

The cost of a 1 crore health insurance plan varies based on age, health condition, coverage benefits, and insurer.

Is GST applicable on insurance premiums for a 1 crore health insurance?

Yes, an 18% GST is applicable on premiums for 1 crore health insurance plans. This tax is added to the base premium, increasing the total cost payable by the policyholder.

Do I need add-on covers with my 1 crore health insurance?

While a 1 crore health insurance policy provides extensive coverage, add-ons like critical illness cover, maternity benefits, and room rent waiver can enhance protection based on individual needs.

Does a 1 crore health insurance plan cover pre-existing diseases?

Yes, 1 crore health insurance plans may cover pre-existing diseases, but only after a waiting period of 2-4 years, depending on the insurer’s policy terms. Some plans offer a waiver for an additional premium.

Which 1 crore policy is best?

The best 1 crore health insurance policy depends on your needs, family size, and budget. Top insurers in India offer high-sum insured plans with features like cashless treatment, restoration benefits, critical illness cover, and lifetime renewability. When comparing policies, focus on claim settlement ratio, network hospitals, and add-on covers to find the most suitable option.

What is a 1 crore after death policy?

A 1 crore after death policy refers to a life insurance plan that provides your nominee with ₹1 crore as a death benefit in case of your unfortunate demise during the policy term. This lump-sum amount offers financial protection to your family by covering living expenses, debts, and future needs like children’s education or home loans.

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