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A high-value health insurance of Rs 1 crore is an insurance plan that can cover exorbitant medical expenses incurred on expensive healthcare treatments. The health insurance of Rs 1 Crore covers pre-hospitalisation expenses up to 30 days and post-hospitalisation expenses up to 60 days. It also covers the expenses of an organ donor and an air ambulance. The health insurance of Rs 1 Crore can serve as a crucial financial safeguard against those life-threatening diseases which involve expensive treatments. This health insurance will not cover a pre-existing disease if kept undisclosed at the time of the purchase.

Important Update (Dated May 30, 2024) – Good news for Health Insurance policyholders! According to the Master Circular on Health Insurance Business 29052024 rolled out on May 29, 2024 by IRDAI, insurers are to decide on the request for cashless claims within 1 hour of receiving the request. Also, the final claim is to be granted within 3 hours after the policyholder’s discharge from the hospital. Insurers have been directed by IRDAI to establish necessary systems and procedures for this process by July 31, 2024.


The Master Circular on Health Insurance Business 29052024 circular is available here -

Features of ₹1 Crore Medical Insurance

In-Patient Hospitalisation

Covered for minimum hospitalisation of 24 hours

Pre-Hospitalisation Expenses

Up to 30 days

Post-Hospitalisation Expenses

Up to 60 days

No Claim Bonus

10% - 50%

Ambulance Cover


Organ Donor Expenses


Automatic Restoration


Tax Benefits

The premiums paid can be claimed under Section 80D of the Income Tax Act, 1961.



Add-On Covers Available

Repatriation cover, critical illness cover, second medical opinion, global cover, compassionate visit, etc.

Benefits of ₹1 Crore Health Insurance Plans

  • Availability of Add-On Covers

    To ensure you have extensive coverage against any medical emergency that comes your way, add-ons are a must! With the help of add-on covers, you can get additional features under the ₹1 Crore health insurance plans that weren’t covered previously.

  • Lifelong Renewability

    Many health insurance policies do not allow policyholders to renew the plan after a certain age. However, the ₹1 Crore health insurance policy provides the feature of lifelong renewability to enjoy medical coverage even when you are older.

  • Secures Hospitalisation Expenses

    Be it planned treatment or an emergency medical requirement, the health insurance plan of ₹1 Crore has got your back! All the expenses resulting from hospitalisation shall be secured while you focus on recovering.

  • Tax Benefits

    Save a significant amount on taxes by claiming the premiums paid towards the health policy under Section 80D of the Income Tax Act, 1961!

What’s Covered Under ₹1 Cr Medical Insurance Plans

  • In-Patient Hospitalisation

All hospitalisation expenses incurred, including the operation theatre costs, medicine bills, diagnostic tests, medical practitioner’s fees, costs of surgical or medical appliances, etc.

  • Room Rent Expense

There is no room rent capping in the ₹1 Crore health insurance policy, and you can choose any hospital room of your choice.

  • Daycare Procedure

All types of daycare treatments that do not require 24 hours of hospitalisation are covered under this insurance plan.

  • Pre & Post-Hospitalisation

Coverage for the pre-hospitalisation cost of 60 days and the post-hospitalisation cost of 120 days is offered under such a high-value health insurance plan.

  • Ambulance Cover

Expenses for an emergency road ambulance are covered.

  • Air Ambulance

The cost of facilities for airlifting using medically-equipped speciality aircraft or an air ambulance will be covered without any extra premium payment.

What’s Not Covered Under ₹1 Crore Health Plans

  • Pre-Existing Ailments: 

An undisclosed pre-existing disease will not be covered if it is not informed at the time of purchase.

  • Fertility Treatments: 

Infertility or artificial insemination treatments, as well as treatments related to birth control, are not covered.

  • Pregnancy: 

Hospitalisation expenses related to childbirth or pregnancy are not covered.

  • Surgery for Gender Reassignment: 

The expenses resulting from gender reassignment surgeries or related treatment are not covered.

  • Plastic Surgery: 

Cosmetic surgeries are not covered unless the need arises due to a medical emergency or due to accidental injury.

  • Dental Treatment: 

Dental surgery is not covered except for accidental injuries.

  • Self-Inflicted Injuries: 

Hospitalisation expenses incurred due to a suicide attempt are not covered.

Why Do You Need a ₹1 Crore Health Insurance Plan?

You may think a high-value insurance policy is not necessary. Many questions arise when you think of getting a health insurance cover worth ₹1 Crore. Here is why you should buy a high-value health insu Read Morerance cover: Read Less

Rising Medical Inflation

Medical costs in our country are rising day by day. Financing expensive treatments without a medical cover leaves you at risk of draining your pockets. The lockdown and its aftermath have put a strain Read Moreon medical facilities and further resulted in the rise of medical expenses, making health insurance mandatory in our daily lives. To secure your future and finances, a health insurance policy of high value is necessary. Read Less

Increasing Number of Critical Illnesses

Life-threatening illnesses such as cancer, cardiac arrests, tumours, etc., have been increasing. Irrespective of their age, everyone is susceptible to these major ailments. This could leave your financ Read Moreial future in uncertainty, and health insurance of high value can help avoid such situations. Read Less

Provides Adequate Coverage for Dependents

In case you purchase a family health policy, the high-value insurance plan can offer adequate coverage against medical emergencies. Thus, you or your dependents do not have to compromise on health Read Morecare!  Read Less

Acts as a Strong Backup

The high coverage of ₹1 Crore acts as a strong backup in the event of a medical emergency. Instead of worrying about your finances, you can prioritise your health and opt for timely medical treatments.

Eligibility & Documents Required to Buy ₹1 Crore Health Policy

Eligibility Criteria

  • The entry age is between 18 years to 65 years.

  • The age of dependent children or grandchildren must be between 3 months to 25 years.


Documents Required to apply for this Insurance are:

  • Age proof

  • Identity proof

  • Address proof

  • Medical reports

  • Passport-size photographs

How Much Does ₹1 Crore Health Insurance Cost?

Age of Policyholder

Cost (Per Month)*

261-35 years


36-45 years


46-65 years


*Indicative figures. Pricing will vary depending upon the insurance company you pick and the terms of your policy.

Things to Consider Before Buying a High-Value Medical Insurance Plan

Here are a few factors to take into account before buying a high-value health insurance policy:

  • Age Criteria

While purchasing a health insurance policy, do keep in mind the age of the family members who need to be insured. This is because, in a family floater policy, the premium cost would depend on the age of the eldest family member.

  • Medical History

Any past history of a hereditary illness in your family or any ailment that you may have suffered earlier can increase the premium of a health cover. Avoid hiding such medical details and disclose them to the insurer to steer clear of claim rejections or policy cancellations. 

  • Lifestyle Habits

An unhealthy lifestyle with habits like smoking and drinking puts you at risk of developing chronic illnesses, and this can increase your ₹1 Crore health insurance policy premium. Make sure you understand the clauses well before purchasing a health policy.

  • Add-On Covers

As the insurance coverage of your ₹1 Crore health plan is higher, it is bound to affect the premium cost. A higher sum insured and additional add-on covers can together lead to a higher insurance rate. This is why it is crucial to only opt for add-ons that meet your insurance needs!

How Much Sum Insured Coverage Works for You

It is hard to predict the exact sum insured that might work for you. However, in the following cases, it is advisable to opt for a higher sum insured:


  • If you have a family history of any critical illness.

  • If you work in a hazardous work environment.

  • If you do not have other investments to help take care of possible medical requirements in the future.

  • If you want to safeguard your assets and keep your investments intact in case of any health emergency.

How to Buy a ₹1 Cr Health Insurance Policy?

Here is a step-by-step guide to help you purchase the best ₹1 Crore health insurance plans:

  • Step 1: Go to the ‘Health Insurance Premium Calculator’ page.

  • Step 2: Enter the required details like the age, gender, coverage needed, etc.

  • Step 3: Browse through various plans and compare them.

  • Step 4: Choose a plan that suits your medical requirements.

  • Step 5: Pick any add-on covers in case you require them.

  • Step 6: Pay your health insurance premium online.


Your health insurance plan shall be issued soon!

Critical Illness Coverage on ₹1 Crore Health Insurance

Certain health insurance plans offer exclusive coverage for critical illnesses, while others come with broader coverage and a higher sum insured. This can easily make it tough to make a choice between the two. Let us check out when each of these covers can be helpful:

1. Health Insurance With Critical Illness Coverage

Such an option is helpful if you want to protect yourself against critical illnesses like cancer, heart disease, stroke, etc. Thus, a health insurance plan with critical illness coverage may be ideal for you if:

  • Any such illnesses run in your family


  • You suspect that you may be at risk of developing such a condition later in life



2. ₹1 Crore Health Insurance

On the other hand, a health insurance cover of ₹1 Crore will provide coverage for hospitalisation expenses, medical consultant fees, diagnostic charges and more. Using add-on covers, you can also enhance the coverage offered by such a high-value plan. In essence, a ₹1 Crore plan will safeguard your savings while ensuring access to top-notch medical care, covering all your bases. Thus, you should opt for such plans if:

  • You need access to care at specialty hospitals.

  • You want overseas treatments and surgeries covered.

  • You have a history of chronic ailments in the family.  

Read More

Who Should Buy One Crore Health Insurance?

Although the medical insurance cover of ₹1 Crore is suitable for most individuals, people falling in the below categories should definitely consider such a plan:

Individuals Over 40 Years of Age

The chances of experiencing health issues increase with age, and thus, individuals over the age of 40 years should consider a high-value insurance policy of ₹1 Crore.

Sole Earners of the Family

To avoid spending your savings on covering medical bills, purchasing a health insurance plan of ₹1 Crore is a must as the sole earner in the family. You can also safeguard your dependents with a family Read More floater plan. Read Less

Individuals With a Medical History

The most suitable health insurance option for people with a medical history is a high-value policy. It not only financially protects you against treatment costs but also gives you access to better medi Read Morecal facilities that might be expensive. Read Less

FAQs on ₹1 Crore Health Insurance Policy

Is it possible to buy health insurance with ₹1 Crore health cover online?

Yes, buying health insurance online is certainly possible. In fact, most health insurance providers offer a wide variety of medical insurance plans online.

What is the grace period on a ₹1 Crore Plan?

Generally, the grace period for a ₹1 Crore health insurance plan will vary from 15 to 30 days. However, the grace period clause varies from one insurance provider to the other. Therefore, you should carefully review your policy document to ascertain the duration of this period and its allied penalties.

Is there a limit on how much I can claim at one go if I purchase a health insurance policy for ₹1 Crore?

No. There is no real cap on the amount you can claim in one go. However, your claim should be within the sum insured limits, i.e., ₹1 Crore. You can file claims against your ₹1 Crore medical insurance plan as long as you don’t exhaust your sum insured reserve.

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