

Save tax up to ₹75,000~ u/s 80D
₹1 Crore Health Insurance is a high-sum insured health insurance policy offering clinical coverage of up to ₹1 crore. This type of health plan shields you and your family against expensive and unforeseen healthcare expenses, primarily critical illness, major surgeries, long-term treatments, or even global medical care.
A strong health insurance plan is no longer optional; with medical inflation rising and lifestyle diseases becoming more common, it’s necessary. A ₹1 crore medical insurance policy guarantees access to top-tier medical care, state-of-the-art treatment alternatives, and global coverage without compromising your savings.
At Care Health Insurance, we offer several health insurance with 1 crore coverage. The plan benefits under these plans range from Global coverage to new-age benefits such as moneyback benefits. Check out our best 1 cr health insurance below.
Lifestyle diseases are on the rise. While we ensure that we follow a healthy lifestyle and diet, being financially prepared for any health emergency is crucial. Medical conditions are not always due to a poor lifestyle. They may also be due to hereditary factors.
Hospitalisation costs in India, mainly in metro cities, can exceed lakhs. Having a family health insurance plan for your family's safety or senior citizen health insurance for protecting your elderly parents might be useful.In cases like cancer treatment, organ transplants, or ICU care, costs can exceed ₹20–30 lakh. A ₹1 crore health insurance plan presents you with monetary security, so you never have to pick between quality treatment and affordability.
When you choose a high-sum insured like ₹1 crore health insurance, you unlock a comprehensive range of benefits that surpass basic coverage. Here are the benefits of ₹1 crore medical insurance:
Absolutely. Given the increasing healthcare expenses and the growing incidence of chronic diseases, a ₹1 crore medical insurance acts as a long-term investment in your health and economic peace of mind.
For example, A 24-year-old in a Zone 1 city can get coverage of ₹1 crore for as low as ₹1444/month. That's less than the expense of a weekend outing, and it could save you lakhs during a clinical crisis.
When choosing a 1 cr health insurance plan, ensure it includes these essential features. Our health insurance policy features are represented in the table below for more understanding:
Key Feature | Coverage Detail |
---|---|
In-patient Expenses | Up to the Sum Insured |
Daycare Treatment | Up to the Sum Insured (A list of 541 Daycare procedures are covered) |
Post-Hospitalisation Expenses | 180 days after getting discharged for a treatment taken in India |
Organ Donor | Up to the Sum Insured |
AYUSH | Up to the Sum Insured |
No Claim Bonus | 10% increase in sum insured for every claim-free year, maximum up to 50% |
Automatic Recharge | The policy replenishes the coverage amount up to the sum insured once a policy year. |
Co-payment/ Capping | N/A |
Tax Benefit | You can avail of tax benefits up to ₹75,000 under Section 80D |
Here are some additional features for better comprehension of the plan:
Here is who should consider buying a 1 cr health insurance:
The earlier, the better. Buying a 1 cr medical insurance plan at a young age means:
When offering a ₹1 cr health insurance policy, Care Health Insurance aims to ensure that the customer understands the coverage and the workings of the policy clearly.
Here are the coverage benefits and their definitions to help you better understand the plan.
Disclaimer: Please carefully refer to the policy documents to get details on the scope of coverage.
With the ₹1 Cr health insurance plan by your side, you can be assured of getting the most comprehensive coverage; however, there may still be specific exclusions that you must know to avoid claim rejections. The exclusions of the policy are:
Please review the policy terms and conditions to learn about the exclusions of 1 Cr medical insurance.
A ₹1 Cr mediclaim policy offered by Care Health Insurance comes with several optional benefits to help you customise your plan as per your unique needs. Read further to get a basic understanding of add-ons in our 1 crore health insurance policy:
Please note that the add-ons of the 1 cr health insurance do not apply to the global coverage benefit. To understand the coverage terms, refer to the policy documents first.
A ₹1 cr Health insurance policy covers your medical expenses and offers you tax benefits under Section 80D of the Income Tax Act. As per this provision, you can claim a tax deduction of up to ₹75,000 in a financial year for the premium you pay towards the policy.
To make the tax deduction simpler for you to understand, below is an illustrative table:
Category | Amount of premium paid | Deductions available under Section 80D | |
---|---|---|---|
Self, family, and children | Parents | ||
Individuals and their parents who are below 60 | ₹25,000 | ₹25,000 | ₹50,000 |
Individuals and their family who are below 60, but parents are above 60 | ₹25,000 | ₹50,000 | ₹75,000 |
Tax benefits are subject to changes in tax laws. Standard T&C Apply
The claim settlement process for a ₹1 cr medical insurance plan is seamless. Two types of claim options are given: cashless and reimbursement. In case of emergency hospitalisation, contact our customer support team and inform us within 24 hours of your admission to the hospital. In case of planned hospitalisation, notify us 48 hours before admission. Here is the process:
It is crucial to consider certain factors when choosing a ₹1 cr health insurance as listed below:
Bonus Tip: Did you know? Care Health Insurance offers a 10% increase in the sum insured per policy year if you have a claim-free year; the maximum limit to this increase is 50% of the sum insured.
Several myths surround ₹1 cr health insurance plans. Let’s read and debunk a few below.
Care Health Insurance is among the top insurance providers offering exceptional insurance-related services to its customers. It has marked its presence in the insurance industry remarkably. Here are some key reasons to choose Care Health Insurance for a ₹1 crore health insurance plan:
Look for hospitals around you
The minimum entry age to opt for Care Advantage is:
There is no upper age limit for enrolment and no age limit for exit.
Care Advantage by Care Health Insurance is a comprehensive health policy with a high sum insured of 1 to 6 crores. This 1 crore medical insurance also offers coverage of 25L and 50L. It is beneficial as it offers adequate coverage for various medical expenses, such as hospitalisation expenses, pre and post hospitalisation medical expenses and daycare treatment. It also offers tax benefits for the policyholder.
Even though all our health insurance plans are offered with the needs of the customer in mind, the maternity insurance plans that we offer generally have coverage of Rs. 3 lakh or Rs. 5 lakh.
As per the one crore health insurance policy terms and conditions, no pre-policy medical check-up is required if no pre-existing conditions are declared for a person up to 50 years of age. For persons above the age of 51, there are specified medical tests, and the policy shall be issued based on the underwriter's discretion.
The premium is a pre-decided amount of money the policyholder pays towards a health insurance policy. It is decided based on several factors, such as age, type of coverage, amount of coverage, health conditions, etc. You can calculate the premium amount Using a health insurance premium calculator, a tool designed to calculate it accurately.
You can choose a family floater plan under ₹1 crore health insurance to cover your spouse, children, and parents.
Yes, but only after a waiting period, generally 2–3 years, depending on the insurer's terms.
Some policies include it by default, while others offer it as an add-on. It depends on your insurer, so check with them.
Get the best financial security with Care Health Insurance!
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Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of Dec 2024
^10% discount is applicable for a 3-year policy
^^Number of Cashless Healthcare Providers as of Feb 2025
#Premium calculated for an individual (Age 18) for sum insured 5 Lakhs in Zone 2 cities with Care Supreme Policy.