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15 Lakhs Sum Assured

15 Lakhs Sum Assured Health Insurance

Safeguard Yourself and Your Family with a ₹15 Lakhs Health Insurance Plan from OneAssure

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15 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

15 Lakhs Sum Assured

What Is a ₹15 Lakhs Sum Assured Health Insurance Plan?

Overview

A ₹15 Lakhs sum assured plan pays for hospitalization, surgeries, day-care procedures, and critical treatments up to ₹15 Lakhs per policy year. It protects your finances from major medical expenses, including pre- and post-hospitalization costs....

Extensive Medical Coverage

Covers hospitalization, surgeries, and emergency treatments.

Family Protection

Ideal for singles, couples, and small families.

Comprehensive Benefits

Includes pre- and post-hospitalization care, day-care treatments, and modern procedures.

Optional Add-Ons

Enhance coverage with maternity, critical illness, or OPD benefits.

15 Lakhs Sum Assured

Factors Affecting ₹15 Lakhs Health Insurance Premium

Age

Younger individuals pay lower premiums; older adults face higher rates.

Health Condition

Pre-existing illnesses like diabetes or hypertension may increase premiums.

Lifestyle

Smoking, alcohol use, and lack of fitness can raise costs.

Location

Premiums in metro cities are higher due to costlier medical treatment.

Plan Type

Individual plans are cheaper, while family floaters cost more.

Coverage Add-Ons

Extra benefits like critical illness, OPD, or room upgrades increase premiums.

Deductibles / Co-pay

Choosing higher deductibles or co-pay options reduces annual premium.

15 Lakhs Sum Assured

Benefits of a ₹15 Lakhs Health Insurance Policy

Comprehensive Medical Coverage

Protects against hospitalization, major surgeries, and high-cost treatments up to ₹15 Lakhs.

Cashless Treatment

Avail medical care at network hospitals without paying upfront.

Critical Illness Support

Covers serious illnesses such as cancer, heart surgeries, organ transplants, and other life-threatening conditions.

Family Protection

Ideal for couples or small families needing substantial coverage at reasonable premiums.

Pre- and Post-Hospitalization Care

Expenses before and after hospitalization are included to reduce out-of-pocket costs.

Day-Care Procedures

Includes treatments not requiring overnight stay, such as dialysis, chemotherapy, or minor surgeries.

Optional Add-Ons

Policies can include maternity cover, OPD benefits, or critical illness riders for enhanced protection.

Preserves Savings

Shields your long-term savings and investments from sudden medical emergencies.

15 Lakhs Sum Assured

Who Should Buy a 1 Crore Health Insurance Policy?

Young Professionals (20s–30s)

Affordable premiums with strong coverage make it ideal for early financial planning.

Small Families

Couples or families with 1–2 children can secure comprehensive protection without extremely high premiums.

Urban Residents

People living in cities with higher medical costs, such as Delhi, Mumbai, Bengaluru, and Pune, benefit from substantial coverage.

Individuals with Family Medical History

Those with a history of diabetes, heart disease, cancer, or lifestyle illnesses get added security.

First-Time Buyers

Perfect for individuals entering the health insurance market seeking reliable and budget-friendly coverage.

Middle-Aged Individuals (40s–50s)

Those planning for age-related health risks can ensure higher protection without financial strain.

15 Lakhs Sum Assured

Premium for ₹15 Lakhs Health Insurance Policy

Top Insurers offering 15 Lakhs Sum Assured Health Insurance

15 Lakhs Sum Assured

Insurer Comparison Table – ₹15 Lakhs Sum Assured Health Insurance

Insurer

Room Rent

Best Suited

OPD/Dental

Maternity

Global Cover

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

15 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

15 Lakhs Sum Assured

Waiting Period & Pre-Existing Disease Coverage

Initial Waiting Period

Most health insurance policies have a 30-day waiting period from the start date. During this time, any illness (except accidents) won’t be covered.

Pre-Existing Diseases (PED)

Coverage for pre-existing conditions like diabetes, hypertension, or heart disease usually begins after 2–4 years, depending on the insurer and plan. Some plans may offer partial coverage earlier.

Specific Ailments / Procedures

Certain high-cost treatments, surgeries, or critical illnesses may have separate waiting periods of 1–3 years, even if the policy covers other conditions.

Renewal & Continuity

Continuous coverage often reduces waiting periods for pre-existing conditions in the next policy term. Switching insurers may reset the waiting period unless portability is applied.

15 Lakhs Sum Assured

How to Choose the Best ₹15 Lakhs Health Insurance Plan

1-5 of 8 Steps

15 Lakhs Sum Assured

Common Inclusions & Exclusions of 15 Lakhs Health Insurance Plans

Inclusions

Optional add-ons like OPD or maternity

Ambulance charges

Doctor fees and diagnostics

Critical illness coverage

Day-care procedures

Pre- and post-hospitalization expenses

Hospitalization, ICU, and room charges

Exclusions

Uncovered high-risk procedures

Costs beyond sum insured

Non-medical expenses in hospital

Self-inflicted injuries

Alternative or experimental therapies

Cosmetic or aesthetic treatments

Pre-existing diseases during waiting period

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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