What does “₹1 crore sum insured” mean?

It’s the maximum amount your insurer will pay towards your medical bills in a policy year. This cover ensures complete financial protection against major hospitalisation and treatment expenses.

Is ₹1 crore cover too high for one person?

With rising healthcare costs, even a single major illness can strain limited coverage. A ₹1 crore sum insured can offer broader protection, but it’s best to consult an insurance advisor to assess your needs and determine the most suitable coverage amount.

Does it cover pre-existing diseases?

Yes, most one crore health insurance plans cover pre-existing conditions after a waiting period of 24–36 months. Once that period is over, all declared conditions are covered as per policy terms.

Can I include my spouse and children?

Absolutely. You can choose family floater plan that includes yourself, your spouse, and dependent children under one high-value cover.

Are parents covered under this plan?

Yes, you can include parents or senior citizens under family floater or separate individual plans. Premiums may be higher due to their age and medical history.

How can I file a cashless claim?

Visit a network hospital, share your one crore health insurance policy details, and request cashless treatment. The hospital coordinates directly with the insurer for pre-authorisation and payment.

What if the hospital isn’t on the cashless network?

You can still get treated there. Pay the bills upfront, keep all documents, and apply for reimbursement after discharge. The insurer reimburses eligible expenses.

Can I use this plan for treatment abroad?

Yes, many insurers offer optional global treatment add-ons. It’s ideal for specialised procedures not available in India, but coverage terms vary by insurer.

Is maternity covered under ₹1 crore plans?

Some one crore health insurance plans include maternity benefits as an optional rider. Coverage generally activates after a waiting period of 9 months - 3 years, depending on the insurer.

Do premiums change every year?

Yes, premiums may increase with age or policy upgrades. However, choosing long-term renewals helps lock in benefits and avoid yearly medical re-evaluation.

What happens if my claim exceeds the insured amount?

If your medical expenses go beyond ₹1 crore, you’ll have to bear the remaining cost. Some insurers offer a restoration feature that refills the sum insured once a year or more.

Can I upgrade my sum insured later?

Yes, you can increase your coverage at renewal. The insurer may ask for updated health details or medical tests before approving the upgrade.

Are diagnostic tests or OPD visits covered?

OPD and diagnostic expenses are usually excluded unless you choose a plan or add-on that specifically includes them. Always check plan inclusions before purchase.

Is there tax benefit under Section 80D?

Yes, you can claim tax deductions on health insurance premiums under Section 80D of the Income Tax Act — up to ₹25,000 (or ₹50,000 for senior citizens).

Why buy through OneAssure instead of directly from insurers?

OneAssure offers unbiased advice, plan comparisons, and hands-on claims support — ensuring you pick the right policy and get help when you need it most.

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1 Crore Sum Assured Health Insurance

1 Crore Sum Assured

1 Crore Sum Assured Health Insurance

Secure your health and future with a ₹1 Crore Health Insurance Plan from OneAssure.

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Unbiased Advice

Get honest, need-based plan recommendations.

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Dedicated Claims Support

Smooth, end-to-end assistance during claims.

Easy Comparisons

Quickly compare top insurers to choose the best fit.

Unbiased Advice

Get honest, need-based plan recommendations.

No-Spam Policy

Your details stay safe — zero unwanted calls.

Dedicated Claims Support

Smooth, end-to-end assistance during claims.

Easy Comparisons

Quickly compare top insurers to choose the best fit.

1 Crore Sum Assured Health Insurance

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

1 Crore Sum Assured

What Is a ₹1 Crore Sum Assured Health Insurance Plan?

Overview

The sum assured (or sum insured as it is also referred to) is the highest amount that your health insurer will reimburse for your medical costs during the policy period. A Health Insurance Plan of ₹1 Crore gives great financial protection to you and your family against the high prices...

The sum assured (or sum insured as it is also referred to) is the highest amount that your health insurer will reimburse for your medical costs during the policy period. A Health Insurance Plan of...

More Extensive Medical Coverage

The protection is against very expensive treatments, surgeries, and emergencies.

Family Protection:

A single large sum insured covers many members.

Comprehensive Benefits

The list of benefits covers hospitalization, pre- and post-treatment, and even day-care procedures.

More Extensive Medical Coverage

The protection is against very expensive treatments, surgeries, and emergencies.

Family Protection:

A single large sum insured covers many members.

Comprehensive Benefits

The list of benefits covers hospitalization, pre- and post-treatment, and even day-care procedures.

1 Crore Sum Assured

Factors Influencing the ₹1 Crore Health Insurance Premium

Age

The premium rate is higher with older people because health risk increases with aging.

Location

The cost of treatment is higher in metro cities, hence the premium amounts.

Medical History

Pre-existing conditions can result in a higher premium or waiting period.

Lifestyle Habits

Smoking, alcohol consumption, or lack of fitness may affect premiums.

Number of Members Covered

Family floaters that cover more members are usually costlier.

Deductible / Co-payment

Choosing the highest deductible possible will lower your premium every year.

Age

The premium rate is higher with older people because health risk increases with aging.

Location

The cost of treatment is higher in metro cities, hence the premium amounts.

Medical History

Pre-existing conditions can result in a higher premium or waiting period.

Lifestyle Habits

Smoking, alcohol consumption, or lack of fitness may affect premiums.

Number of Members Covered

Family floaters that cover more members are usually costlier.

Deductible / Co-payment

Choosing the highest deductible possible will lower your premium every year.

1 Crore Sum Assured

Benefits of a ₹1 Crore Health Insurance Policy

Access to India’s Best Hospitals

Get world class treatment in the leading hospitals, thanks to the hospitals billing, without any concern.

Comprehensive Protection

Hospitalization, surgeries, daycare treatments, pre- and post-hospitalization expenses, etc. are all covered.

Adequate Buffer for Major Illnesses

If you can afford to, this will serve as a wall against lifestyle diseases or critical care that may cost several lakhs.

Optional Global Coverage

A few have the facility of international treatment benefits for specific conditions.

Peace of Mind for Families

You can concentrate on your health, while your finances remain secure.

Access to India’s Best Hospitals

Get world class treatment in the leading hospitals, thanks to the hospitals billing, without any concern.

Comprehensive Protection

Hospitalization, surgeries, daycare treatments, pre- and post-hospitalization expenses, etc. are all covered.

Adequate Buffer for Major Illnesses

If you can afford to, this will serve as a wall against lifestyle diseases or critical care that may cost several lakhs.

Optional Global Coverage

A few have the facility of international treatment benefits for specific conditions.

Peace of Mind for Families

You can concentrate on your health, while your finances remain secure.

1 Crore Sum Assured

Who Should Buy a 1 Crore Health Insurance Policy?

Self-Employed Professionals

Ideal for the ones who do not have corporate medical benefits.

Corporate Employees

Provides additional protection that goes beyond what is provided through employer insurance.

Frequent Travellers

Covers medical emergencies both in the country and worldwide.

Senior Citizens

It is a great deal as it is a comprehensive plan that covers high medical risks that come with advanced age.

Family

Covering several individuals with the same large sum insured.

Self-Employed Professionals

Ideal for the ones who do not have corporate medical benefits.

Corporate Employees

Provides additional protection that goes beyond what is provided through employer insurance.

Frequent Travellers

Covers medical emergencies both in the country and worldwide.

Senior Citizens

It is a great deal as it is a comprehensive plan that covers high medical risks that come with advanced age.

Family

Covering several individuals with the same large sum insured.

1 Crore Sum Assured

Premium for ₹1 Crore Health Insurance Policy

Top Insurers offering 1 Crore Sum Assured Health Insurance

ICICI Lombard

TATA AIG

Niva Bupa

HDFC ERGO

Care

Star

Aditya Birla

Bajaj

ManipalCigna

Digit

ICICI Lombard

TATA AIG

Niva Bupa

HDFC ERGO

Care

1 Crore Sum Assured

Insurer Comparison Table – ₹1 Crore Sum Assured Health Insurance

Insurer	Room Rent	Best Suited	OPD/Dental	Maternity	Global Cover
ICICI Lombard	Up to single private AC room	Individuals, families, senior citizens	Not covered	Add-on Rider	Not specified
TATA AIG	All room categories	Individuals & Families	Optional add-on	Add-on Rider	Not specified
Niva Bupa	No room rent limit	Individuals & Families	Not covered	Add on Rider	Not specified
HDFC ERGO	Single private AC room	Individuals & Families	Optional	Available in maternity plans	Not specified
Care	No room rent capping	Individuals, Families, Senior Citizens	Not covered	Add-on rider	Not specified
Star	Single private AC room	Individuals & Families	Not covered	Add-on rider	Not specified
Aditya Birla	Up to single private room	Individuals, Families & Senior Citizens	Optional add-on	Add-on Rider	Not specified
Bajaj	All category rooms	Individuals & Families	Optional	Add-on Rider	Not specified
ManipalCigna	No room rent restriction	Individuals, Families, Senior Citizens	Optional	Add-on Rider	Not specified
Digit	No room rent capping	Individuals, Families, Senior Citizens	Not Covered	Add-on Rider	Not specified
ICICI Lombard	Up to single private AC room	Individuals, families, senior citizens	Not covered	Add-on Rider	Not specified
TATA AIG	All room categories	Individuals & Families	Optional add-on	Add-on Rider	Not specified
Niva Bupa	No room rent limit	Individuals & Families	Not covered	Add on Rider	Not specified
HDFC ERGO	Single private AC room	Individuals & Families	Optional	Available in maternity plans	Not specified

1 Crore Sum Assured

Cashless vs Reimbursement Claims

Reimbursement Claims

Suitable when a cashless facility isn’t available or pre-authorization isn’t approved.

Offers greater flexibility in selecting hospitals or specialists.

Involves more paperwork and processing time for claim settlement.

Pay medical bills first and submit documents for reimbursement later.

You can choose any hospital, whether it’s in the insurer’s network or not.

Cashless Claims

Minimises paperwork and faster claim approval compared to reimbursement.

Ideal for emergencies, offering quick, stress-free hospitalisation.

Requires pre-authorization from the insurer before admission (for planned treatments).

The insurer directly settles the medical bills with the hospital.

Get treatment at any network hospital without paying upfront.

Reimbursement Claims

Suitable when a cashless facility isn’t available or pre-authorization isn’t approved.

Offers greater flexibility in selecting hospitals or specialists.

Involves more paperwork and processing time for claim settlement.

Pay medical bills first and submit documents for reimbursement later.

You can choose any hospital, whether it’s in the insurer’s network or not.

Cashless Claims

Minimises paperwork and faster claim approval compared to reimbursement.

Ideal for emergencies, offering quick, stress-free hospitalisation.

Requires pre-authorization from the insurer before admission (for planned treatments).

The insurer directly settles the medical bills with the hospital.

Get treatment at any network hospital without paying upfront.

Related Plans

Related Health Insurance Plans

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

1 Crore Sum Assured

Waiting Period & Pre-Existing Disease Coverage

Pre-Existing Diseases

Usually covered after a waiting period of 24–36 months, depending on the insurer.

Specific Ailments

Certain surgeries or conditions may have separate waiting times.Reading policy details carefully helps you plan for these durations before coverage activates.

Initial Waiting Period

Generally 30 days from policy start date (except for accidental hospitalisation).

Pre-Existing Diseases

Usually covered after a waiting period of 24–36 months, depending on the insurer.

Specific Ailments

Certain surgeries or conditions may have separate waiting times.Reading policy details carefully helps you plan for these durations before coverage activates.

Initial Waiting Period

Generally 30 days from policy start date (except for accidental hospitalisation).

1 Crore Sum Assured

How to Choose the Best ₹1 Crore Health Insurance Plan

1 Crore Sum Assured

Common Inclusions & Exclusions of 1 Crore Health Insurance Plans

Inclusions

Provides ambulance cover and restoration of sum insured in many plans.

Covers day-care procedures and modern treatments.

Includes pre- and post-hospitalisation expenses for a specified period.

Covers hospitalisation expenses including room rent, doctor’s fees, and surgery costs.

Exclusions

Alternative therapies not recognised by medical councils.

War, nuclear, or experimental treatments.

Self-inflicted injuries or substance abuse.

Dental or vision treatments unless covered by add-ons.

Cosmetic or aesthetic procedures.

Inclusions

Provides ambulance cover and restoration of sum insured in many plans.

Covers day-care procedures and modern treatments.

Includes pre- and post-hospitalisation expenses for a specified period.

Covers hospitalisation expenses including room rent, doctor’s fees, and surgery costs.

Exclusions

Alternative therapies not recognised by medical councils.

War, nuclear, or experimental treatments.

Self-inflicted injuries or substance abuse.

Dental or vision treatments unless covered by add-ons.

Cosmetic or aesthetic procedures.

Coverage & Benefits

Still Confused? Get Expert Guidance

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Claim Settlement

Frequently Asked Questions

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

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