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10 Lakhs Sum Assured

10 Lakhs Sum Assured Health Insurance

Protect Yourself and Your Family with a ₹10 Lakhs Health Insurance Plan from OneAssure

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10 Lakhs 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

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

10 Lakhs Sum Assured

What Is a ₹10 Lakhs Sum Assured Health Insurance Plan?

Overview

A ₹10 Lakhs health insurance plan offers financial protection by covering hospitalisation, major surgeries, day-care procedures, and advanced medical treatments up to ₹10 Lakhs in a policy year. It helps individuals and small families manage...

Broad Medical Coverage

Covers room rent, hospitalisation, surgeries, ICU charges, and day-care treatments.

Suitable for Individuals & Small Families

Offers sufficient coverage for singles, couples, and families with one child.

Pre- & Post-Hospitalisation Benefits

Covers diagnostic tests, consultations, and medications before and after hospitalisation.

Day-Care & Modern Treatments

Includes procedures like dialysis, chemotherapy, robotic surgeries, and advanced therapies.

Optional Add-Ons

Customize your plan with maternity cover, OPD benefits, personal accident cover, or critical illness riders.

10 Lakhs Sum Assured

Factors Affecting ₹10 Lakhs Health Insurance Premium

Age

Younger buyers pay low premiums; rates rise significantly after 40 due to higher medical risks.

Pre-Existing Conditions

Diabetes, BP, obesity, asthma, etc., may increase premiums or add waiting periods.

Lifestyle

Smoking, alcohol use, and low activity levels increase premium loadings.

City/Zone

Premiums are higher in metros because hospitalisation costs are higher.

Plan Type

Individual policies cost less; family floaters and senior citizen plans cost more.

Add-Ons

OPD, maternity, room rent upgrade, and critical illness riders increase costs.

Co-Pay/Deductible

Higher co-pay or deductible lowers the annual premium.

Restoration & NCB

Extra features like unlimited restoration or enhanced NCB raise premiums.

10 Lakhs Sum Assured

Benefits of a ₹10 Lakhs Health Insurance Policy

Covers Major Hospitalisation

Pays for room rent, ICU, medicines, diagnostics, and surgeries up to ₹10 Lakhs per year.

Cashless Treatment

Access network hospitals without upfront payment.

High-Cost Treatment Support

Covers cardiac care, cancer treatments, orthopaedic surgeries, and other major procedures.

Good for Individuals & Small Families

Suitable for singles, couples, or small families with one child.

Pre & Post-Hospitalisation

Covers expenses before admission and after discharge.

Day-Care Procedures

Includes treatments like dialysis, chemotherapy, cataract, and minor surgeries.

Customisable Add-Ons

Maternity, OPD, critical illness rider, personal accident, etc.

Protects Savings

Prevents unexpected medical bills from draining your finances.

10 Lakhs Sum Assured

Who Should Buy a 1 Crore Health Insurance Policy?

Young Professionals (20s–30s)

Ideal for affordable premiums with solid coverage.

Small Families

Suitable for couples or families with 1–2 kids needing comprehensive yet budget-friendly protection.

Urban Residents

Great for those in cities with high medical costs like Delhi, Mumbai, Bengaluru, or Pune.

People with Family Medical History

Useful for individuals with risks of diabetes, heart issues, cancer, or lifestyle diseases.

First-Time Buyers

A reliable starting option with balanced coverage and cost.

Middle-Aged Individuals (40s–50s)

Helps manage rising age-related health risks with adequate financial security.

10 Lakhs Sum Assured

Premium for ₹10 Lakhs Health Insurance Policy

Top Insurers offering 10 Lakhs Sum Assured Health Insurance

10 Lakhs Sum Assured

Insurer Comparison Table – ₹10 Lakhs 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

10 Lakhs Sum Assured

Cashless vs Reimbursement Claims

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.

Related Plans

Related Health Insurance Plans

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

10 Lakhs Sum Assured

Waiting Period & Pre-Existing Disease Coverage

1-5 of 8 Steps

10 Lakhs Sum Assured

Common Inclusions & Exclusions of 10 Lakhs Health Insurance Plans

Inclusions

Cashless treatment at network hospitals.

Domiciliary treatment.

Modern treatments (as per IRDAI list).

Emergency ambulance cover.

Day-care procedures.

Pre- & post-hospitalisation costs.

Hospitalisation expenses (room, ICU, treatment).

Exclusions

OPD/dental unless taken as add-on.

War or hazardous activity-related injuries.

Self-harm or substance abuse-related claims.

Experimental/unproven treatments.

Cosmetic or non-medical procedures.

Pre-existing diseases waiting period (1–4 years).

Initial 30-day waiting period (except accidents).

Coverage & Benefits

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Claim Settlement

Frequently Asked Questions

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