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50 Lakhs Sum Assured

50 Lakhs Sum Assured Health Insurance

Protect Your Health and Future with a ₹50 Lakhs Health Insurance Plan from OneAssure

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50 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

50 Lakhs Sum Assured

What Is a ₹50 Lakhs Sum Assured Health Insurance Plan?

Overview

A ₹50 Lakhs sum assured (also called sum insured) health insurance plan is a high-coverage medical policy that pays for your hospitalisation and treatment expenses up to ₹50 Lakhs in a policy year. It provides...

High Coverage

Protects against major medical expenses and costly treatments.

Cashless Treatment

Access top network hospitals without paying upfront.

Critical Illness Cover

Supports high-cost illnesses like cancer, heart disease, and transplants.

50 Lakhs Sum Assured

Factors Influencing the ₹50 Lakhs Health Insurance Premium

1. Age of the Applicant

Premiums rise with age because the risk of medical issues increases, leading to higher health insurance costs.

2. Pre-Existing Medical Conditions

Any existing illness can increase premiums, as insurers expect higher chances of future claims.


3. Sum Insured & Policy Type

Higher coverage and family floater plans usually cost more due to broader protection.

4. Lifestyle Habits

Smoking, alcohol consumption, and unhealthy habits can raise premiums due to added health risks.

5. City of Residence

Living in metro cities leads to higher premiums because of costlier medical treatments.

6. Add-On Covers & Riders

Optional features like OPD cover, room rent waiver, or critical illness riders add to the final premium.

7. Hospital Network & Insurer’s Pricing

Insurers with larger networks or premium service models may charge slightly higher premiums.

8. Policy Tenure

Buying a multi-year policy may reduce the overall premium through long-term discounts.

50 Lakhs Sum Assured

Benefits of a ₹50 Lakhs Health Insurance Policy

2. Access to Top Hospitals

Ensures cashless treatment at a wide network of reputed hospitals across the country.

3. Coverage for Family

Family floater options allow multiple members to be protected under a single policy.

4. Peace of Mind

Provides security against unexpected medical emergencies and large healthcare expenses.

5. Pre- and Post-Hospitalization Benefits

Covers medical expenses before and after hospitalization, including tests, medicines, and consultations.

6. Daycare and Advanced Treatments

Includes daycare procedures and high-tech treatments like chemo, dialysis, and specialized surgeries.

7. Tax Benefits

Premiums paid are eligible for tax deductions under Section 80D of the Income Tax Act.

1. High Financial Protection

Covers hospitalization, surgeries, critical illnesses, and expensive treatments without straining your savings.

50 Lakhs Sum Assured

Who Should Buy a 1 Crore Health Insurance Policy?

1. Young Professionals

Secure long-term coverage early at lower premiums and protect against future medical costs.

Families

A family floater plan covers multiple members under one policy for comprehensive protection.

Middle-Aged Adults

Provides higher coverage for surgeries, hospitalization, and critical illnesses at a manageable cost.

High-Income Earners

Protects savings and investments by covering major medical expenses without financial strain.

Seniors (Planning Ahead)

Early coverage ensures peace of mind and financial stability for healthcare in later years.

50 Lakhs Sum Assured

Premium for ₹50 Lakhs Health Insurance Policy

Top Insurers offering 50 Lakhs Sum Assured Health Insurance

ICICI Lombard

ICICI Lombard

TATA AIG

TATA AIG

Niva Bupa

Niva Bupa

HDFC ERGO

HDFC ERGO

Care

Care

50 Lakhs Sum Assured

Insurer Comparison Table – ₹50 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

Add-on Rider

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

50 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

50 Lakhs Sum Assured

Waiting Period & Pre-Existing Disease Coverage

Initial Waiting Period

Most health insurance plans have an initial waiting period, typically 30 days from the policy start date. During this time, treatment for any illness (except accidental hospitalization) is not covered.

Pre-Existing Diseases (PED)

Coverage for pre-existing conditions such as diabetes, hypertension, or past surgeries is generally available after a specified waiting period, usually 2–4 years, depending on the insurer and policy.

Specific Ailments

Certain surgeries or critical illnesses may have separate waiting periods. Always check the policy document for these details.

50 Lakhs Sum Assured

How to Choose the Best ₹50 Lakhs Health Insurance Plan

1-5 of 7 Steps

50 Lakhs Sum Assured

Common Inclusions & Exclusions of 50 Lakhs Health Insurance Plans

Inclusions

Optional/add-on benefits like annual health check-ups, AYUSH treatment, or maternity coverage (if opted)

Critical illnesses and major treatments

Organ transplant costs (if covered under the policy)

Emergency ambulance charges

Day-care procedures that don’t require 24-hour hospital stay

Pre- and post-hospitalisation medical expenses

In‑patient hospitalisation including room, ICU, surgeries, and doctor fees

Exclusions

Congenital disorders, infertility treatments, or non-medically necessary procedures

Pregnancy, childbirth, and newborn care (unless covered under a maternity add-on)

Routine OPD, dental, vision, and hearing treatments (unless added)

Self-inflicted injuries or suicide attempts

Illnesses related to substance abuse or alcohol/drug misuse

Cosmetic, elective, or aesthetic treatments

Pre-existing conditions during the initial 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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