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20 Lakhs Sum Assured

20 Lakhs Sum Assured Health Insurance

Get Comprehensive Coverage with a ₹20 Lakhs Health Insurance Plan from OneAssure

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20 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

20 Lakhs Sum Assured

What Is a ₹20 Lakhs Sum Assured Health Insurance Plan?

Overview

A ₹20 Lakhs health insurance plan ensures you and your family are financially secure against high medical costs. It covers hospital stays, major surgeries, critical illnesses, and modern treatments, reducing the burden of unexpected bills....

Wide Medical Coverage

Provides strong protection for hospitalisation, surgeries, and emergencies.

Family Security

Suitable for both individuals and small families needing a higher cover.

Comprehensive Benefits

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

20 Lakhs Sum Assured

Factors Influencing the ₹20 Lakhs Health Insurance Premium

Age

Premiums are lower for younger buyers and increase with age due to higher health risks.

Health Condition

Pre-existing conditions like diabetes or hypertension may increase premiums or add waiting periods.

Lifestyle Habits

Smoking, alcohol consumption, or lack of fitness can lead to higher premium charges.

Location

Metro cities usually have costlier premiums because medical expenses are higher.

Type of Plan

Individual plans cost less, while family floaters with more members cost more.

Coverage Features

Add-ons like critical illness cover, room rent upgrade, and OPD benefits raise the premium.

Deductible / Co-Pay

Higher deductibles or co-pay options reduce your premium amount.

20 Lakhs Sum Assured

Benefits of a ₹20 Lakhs Health Insurance Policy

Strong Financial Protection

Covers hospitalization, major surgeries, advanced treatments, and critical illnesses up to ₹20 Lakhs.

Cashless Hospitalisation

Avail treatment at network hospitals without upfront payments.

Coverage for Critical Illnesses

Supports expensive conditions such as cancer, heart surgeries, organ transplants, and other serious medical conditions.

Family Protection

Suitable for couples or small families seeking high coverage at a reasonable cost.

Pre- and Post-Hospitalization Coverage

Medical expenses incurred before and after hospitalization are included, reducing overall out-of-pocket spending.

Day-Care Treatments Covered

Procedures that don’t require overnight hospital stays, such as dialysis or chemotherapy, are included.

Optional Add-Ons

Plans can include maternity cover, OPD coverage, or critical illness riders for additional protection.

Preserves Savings

Helps safeguard long-term investments and emergency funds from sudden medical expenses.

20 Lakhs Sum Assured

Who Should Buy a 1 Crore Health Insurance Policy?

Young Professionals (20s–30s)

Affordable premiums with high coverage make it ideal for early planning and long-term security.

Small Families

Couples or families with 1–2 children can get comprehensive protection without paying for extremely high sum insured plans.

Urban Residents

Individuals in metro cities like Delhi, Mumbai, Bengaluru, and Pune, where healthcare costs are high, can benefit from substantial coverage.

Those with Family Medical History

People with a family history of diabetes, heart disease, cancer, or other lifestyle-related illnesses gain extra security.

First-Time Buyers

Provides strong, budget-friendly coverage for individuals entering the health insurance market for the first time.

Middle-Aged Individuals

Those in their 40s–50s seeking higher coverage to prepare for potential age-related health risks.

20 Lakhs Sum Assured

Premium for ₹20 Lakhs Health Insurance Policy

Top Insurers offering 20 Lakhs Sum Assured Health Insurance

20 Lakhs Sum Assured

Insurer Comparison Table – ₹20 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

20 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

20 Lakhs Sum Assured

Waiting Period & Pre-Existing Disease Coverage

Initial Waiting Period

Most health insurance policies have a waiting period of 30 days from the policy start date. During this time, any illness-related claims are not covered. Accidents are usually covered immediately.

Pre-Existing Diseases (PED)

Coverage for pre-existing conditions such as diabetes, hypertension, or heart issues typically begins after 24–36 months, depending on the insurer and plan. Full disclosure of medical history is required to avoid claim rejection.

Specific Treatments / Ailments

Certain treatments, surgeries, or critical illnesses (like joint replacement, cataract, or hernia) may have separate waiting periods of 12–48 months, as specified in the policy.

20 Lakhs Sum Assured

How to Choose the Best ₹20 Lakhs Health Insurance Plan

1-5 of 8 Steps

20 Lakhs Sum Assured

Common Inclusions & Exclusions of 20 Lakhs Health Insurance Plans

Inclusions

Optional add-ons (OPD, maternity, riders)

Advanced/modern treatments

Critical illness coverage

Emergency ambulance charges

Day-care procedures (minor surgeries, dialysis, chemo)

Pre- and post-hospitalization expenses

Hospitalization (room, doctor, ICU, OT, medicines)

Exclusions

Congenital or hereditary disorders

Self-inflicted injuries

Substance abuse-related illnesses

Maternity and infertility treatments (unless opted)

Routine OPD, dental, vision care

Cosmetic or elective procedures

Pre-existing diseases (until waiting period ends)

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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