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2 Crore Sum Assured

2 Crore Sum Assured Health Insurance

Protect Your Health and Future with a ₹2 Crore Health Insurance Plan from OneAssure

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2 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

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

2 Crore Sum Assured

What Is a ₹2 Crore Sum Assured Health Insurance Plan?

Overview

A ₹2 Crore sum assured (also called sum insured) health insurance plan provides the maximum amount your insurer will pay for medical expenses during the policy period. This level of coverage offers strong financial protection...

Extensive Medical Coverage

Covers very expensive treatments, surgeries, and emergencies.

Family Protection

One large sum insured can protect multiple family members.

Comprehensive Benefits

Includes hospitalization, pre- and post-hospitalization expenses, and day-care procedures.

2 Crore Sum Assured

Factors Influencing the ₹2 Crore Health Insurance Premium

Age

Premiums increase as you get older because the risk of health issues rises with age.

Location

Medical treatment costs are higher in metro cities, which can make premiums more expensive.

Medical History

Pre-existing conditions or past illnesses can lead to higher premiums or longer waiting periods.

Lifestyle Habits

Smoking, alcohol consumption, and lack of regular exercise may increase the premium.

Number of Members Covered

Family floater plans covering multiple members usually cost more than individual plans.

Deductible / Co-payment

Opting for a higher deductible can reduce your annual premium significantly.

2 Crore Sum Assured

Benefits of a ₹2 Crore Health Insurance Policy

Comprehensive Financial Protection

Covers high medical expenses, including hospitalization, surgeries, and critical illnesses, reducing the burden on your savings.

Access to Top Hospitals

Ensures cashless treatment at premium hospitals across India, giving you the best healthcare without worrying about costs.

Family Coverage

Many plans allow a family floater, protecting all members under a single policy, making it convenient and cost-effective.

Protection Against Critical Illnesses

Large coverage ensures treatments for serious illnesses like cancer, heart disease, or major surgeries are financially manageable.

Peace of Mind

With high coverage, you can focus on recovery without stress about medical bills or unexpected expenses.

Flexibility and Add-Ons

Options to include maternity cover, wellness benefits, and outpatient treatment add-ons for more comprehensive protection.

2 Crore Sum Assured

Who Should Buy a 1 Crore Health Insurance Policy?

High-Income Individuals

Those with significant financial responsibilities who want protection against large medical bills.

Families with Multiple Members

A family floater plan ensures all members are covered under a single policy.

Young Professionals

Lock in affordable premiums early while securing high coverage for the long term.

Senior Citizens

Even with higher premiums, they can get peace of mind and coverage for critical illnesses or hospitalization.

People Seeking Top-Quality Healthcare

Those who want access to the best hospitals and advanced treatments without financial stress.

2 Crore Sum Assured

Premium for ₹2 Crore Health Insurance Policy

Top Insurers offering 2 Crore Sum Assured Health Insurance

2 Crore Sum Assured

Insurer Comparison Table – ₹2 Crore 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

2 Crore 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

2 Crore Sum Assured

Waiting Period & Pre-Existing Disease Coverage

Initial Waiting Period

Most health insurance plans have a 30-day waiting period from the policy start date. Only accidental hospitalisations are covered from day one.

Pre-Existing Diseases (PED)

Conditions declared at the time of buying the policy are typically covered after up to 36 months of continuous coverage.

Specific Ailments

Surgeries like hernia, cataract, ENT procedures, and joint-related treatments often have a 12–24 month separate waiting period.

2 Crore Sum Assured

How to Choose the Best ₹2 Crore Health Insurance Plan

2 Crore Sum Assured

Common Inclusions & Exclusions of 2 Crore Health Insurance Plans

Inclusions

Restoration benefit & no-claim bonus (plan-specific).

Emergency ambulance / air ambulance.

Organ donor and transplant-related costs.

Daycare and modern treatments.

Pre & post-hospitalisation expenses.

In-patient hospitalisation (room, ICU, surgery, medicines).

Exclusions

Non-medical consumables (unless add-on purchased).

Experimental or unproven treatments.

Self-inflicted injuries and substance abuse.

Infertility and maternity unless added as a rider.

Cosmetic or non-medically necessary treatments.

Pre-existing diseases during the 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

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