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1 Crore Health Insurance Plan

A 1 cr medical insurance provides comprehensive health coverage within India and global coverage if you anticipate global healthcare assistance.

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Who is not eligible for Global Coverage add-on? info NRI/NRO/OCI/PIO/Individuals with dual citizenship/Foreign Nationals/People employed or planning overseas employment/Students enrolled or planning to register with foreign universities will not be offered Global coverage as per current Underwriting rules of the company.
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Ritika Malik
Written by:
Ritika Malik
Ritika Malik
Ritika Malik

Content Manager Care Health Insurance

Ritika Malik is an experienced and skilled content manager with expertise to create engaging, accurate, and empathetic content. With years of experience, she excels at transforming complex topics into compelling and reader-friendly content. Ritika’s passion lies in crafting not only unique content but that also resonates with diverse audiences. Beyond writing, Ritika enjoys unwinding with movies and exploring the serene beauty of mountains and beaches.

check_circleReviewed by:
Munmi Sharma
Munmi Sharma
Munmi Sharma

Sr. Content Writing Manager Care Health Insurance

Munmi is an editor cum writer with a passion for storytelling and keen eye for detail. With 10+years of experience in the digital marketing industry, her expertise in the marketing domain combines with experience and perfection in refining written content. When not crafting and editing a piece of content, she also loves to colour the canvas, explore new places and people, binge watching, cooking and playing badminton.

What is 1 Cr Health Insurance?

₹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.

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Select from the Best Health Insurance for 1 Crore Coverage

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.

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Look for best health plan that suits your need!
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Care Advantage

Health insurance for domestic and global coverage up to 6 crore

  • Global Health Cover 
  • 10% No Claim Bonus every year, max. Up to 50%
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Ultimate Care

India's First Money Back Health Insurance Plan

  • 100% Coverage Boost Upon Each Renewal
  • Tenure Multiplier for Multi-year Policy
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Care Supreme

Ideal for families looking for capless coverage

  • 500% Boost in Coverage in 5 Years
  • Unlimited Automatic Recharge
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1 Cr Health Insurance Coverage

Why Consider 1 Crore Health Insurance?

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.

Benefits of a ₹1 Crore Health Insurance Plan

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:

  • Comprehensive Coverage: It includes hospitalisation, surgeries, daycare procedures, ambulance costs, organ donor fees, and more.
  • Economic Security Against Critical Illness: Covers life-threatening treatment for various diseases such as cancer, heart illnesses, kidney failure, etc., which can be financially exhausting.
  • International Treatment Coverage: Some plans offer global coverage for scheduled treatments, permitting access to top-notch clinical facilities abroad.
  • Cashless Hospitalisation: Accessibility to a massive network of cashless hospitals assures you get treated without the strain of organising financial aid in a crisis.
  • Pre- and Post-hospitalisation Expenses: The costs incurred before and after hospitalisation, such as consultations, diagnostics, and follow-ups, are covered.
  • Tax Benefits: Policyholders are eligible for tax deductions under Section 80D of the Income Tax Act for premiums paid.

Is 1 Crore Health Insurance Worth It?

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.

Features of a ₹1 Crore Health Insurance Plan

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

Additional Features

Here are some additional features for better comprehension of the plan:

  • High Sum Insured with Recharge Benefits: Some policies automatically recharge your cover once the policyholder drains the sum insured, enabling them to make multiple claims annually.
  • No Room Rent Limit: Pick a plan that lets you stay in any hospital room, including single private rooms, without limiting the rent.
  • Annual Health Check-ups: Regular check-ups included in the plan assist in detecting health problems early and prevent major expenses.
  • Add-on Covers: Optional riders like critical illness cover, OPD cover, global coverage, and personal accident insurance enhance the scope of your policy.

Who Should Buy a 1 Crore Health Insurance Plan?

Here is who should consider buying a 1 cr health insurance:

  • Families with senior citizens or dependent children
  • Regular travellers or NRIs
  • Individuals with a family history of critical diseases
  • People living in metro cities with expensive healthcare services

When Should You Buy a ₹1 Crore Health Plan?

The earlier, the better. Buying a 1 cr medical insurance plan at a young age means:

  • Lower premiums
  • Minimal or no health checkups
  • Shorter waiting periods
  • Lock in lifelong renewability early

What is Covered Under 1 Cr Health Insurance?

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.

  • In-Patient Hospitalisation: The ₹1 Crore health insurance for the family offers coverage up to the sum insured for the costs incurred for hospitalisation, room rent, nursing charges, doctor visits, medication, etc., if the insured member is hospitalised for more than 24 hours.
  • Daycare Treatment: The plan offers coverage up to the sum insured for daycare treatments requiring less than 24 hours of hospitalisation. Treatments such as dialysis, chemotherapy, and cataract surgeries are examples of daycare treatments covered in our 1 crore medical insurance.
  • Pre-hospitalisation: The expenses incurred in doctor’s consultations, medication, diagnosis, and treatment before hospitalisation are known as pre-hospitalisation expenses. The ₹1 cr health insurance covers these expenses for up to 60 days before hospitalisation.
  • Post-hospitalisation: The expenses incurred for doctor’s consultations, diagnostic tests, medications, etc., for the same illness for which the insured was hospitalised, are covered for up to 180 days after the date of discharge.
  • Ambulance Cover: The incurred cost is covered if an insured member requires a domestic road ambulance in a medical emergency. The coverage may vary based on the policy terms.
  • Organ Donor Cover: If an insured member must undergo an organ transplant, the donor's surgery cost shall be covered under the 1 Cr health insurance plan. The coverage shall be offered as per the policy terms.
  • No Claims Bonus(NCB): For every claim-free year, our health insurance of 1 Cr raises a cheer by adding a 10% No Claim Bonus to the sum insured upon policy renewal. This bonus increases your sum insured to a maximum limit of 50%. The bonus can be claimed for treatments within India only.
  • Automatic Recharge: Our ₹1 Cr medical insurance policy automatically recharges exhausted coverage up to the base policy sum insured. (Care advantage- once a year, unlimited recharge in Care Supreme & Ultimate Care).
  • Unlimited E-Consultations: With a ₹1 Cr health insurance plan, you can access unlimited e-consultations with general physicians from the Care Health Insurance mobile app.
  • AYUSH Treatment: ₹1 Cr health insurance offers Alternative treatment coverage of up to the sum insured if the insured person is hospitalised for more than 24 hours in an AYUSH-certified clinic.
  • Global Coverage: Our ₹1 Cr family health insurance offers coverage if you wish to receive treatment for planned and unplanned medical emergencies in a foreign country.

Disclaimer: Please carefully refer to the policy documents to get details on the scope of coverage.

What is Not Covered Under 1 Cr Health Insurance

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:

  • Expenses incurred due to suicide/ attempted suicide, self-inflicted injuries, etc., are not covered under the ₹1 Cr medical insurance plan.
  • Slow-growing diseases, planned surgeries, or medical events occurring within 30 days of the policy start date.
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and their consequences.
  • Tests and treatments relating to infertility and in vitro fertilisation.
  • War, riot, strike, nuclear weapons-induced hospitalisation.
  • External Congenital Diseases

Please review the policy terms and conditions to learn about the exclusions of 1 Cr medical insurance.

Add-on Benefits in a 1 Crore Health Insurance Plan

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:

  • No Claim Bonus Super: This add-on in Care Health Insurance’s ₹1 cr medical insurance rewards you with a 50% increase in coverage for every claim-free year. Your coverage increases by up to 100% with NCB Super.
  • Care Shield Plus: The comprehensive Care Shield makes Care Advantage one of the best ₹1 Cr health insurance plans. This add-on comes packed with three distinct benefits, as mentioned here:
  • Claim Shield: With claim shield, you are covered for expenses incurred in utilising a list of 68 non-payable items during a hospitalisation. The items may include gloves, oxygen masks, PPE kits, etc.
  • No Claim Bonus Shield: With the No-claim Bonus Shield under ₹1 cr medical insurance, your bonus remains unaffected by the claims made if the claim amount remains <25% of the Sum Insured during the policy year.
  • Inflation Shield: Inflation Shield protects your base premium from increasing year on year upon renewal.
  • Air Ambulance Cover: According to the doctor's written advice, this add-on is handy if the insured person needs to be shifted from one hospital to another.
  • Room Rent Modification: The room rent modification add-on under ₹1 cr health insurance policy helps you reduce your premium by limiting your room coverage to the most economical “Single Private AC Room”.
  • Smart Select: The Smart Select add-on reduces your premium by limiting your access to network healthcare providers to a restricted network. In return, you promise to pay a 20% co-pay if you take treatment outside the Smart Select network hospitals.
  • Protect Plus: The Protect Plus add-on policy offers global coverage for planned treatments as per policy terms.
  • Annual Health Check-up: With the Annual Health Check-up add-on, you can offer one cashless full-body check-up for each insured member at one of the company’s network labs.
  • Care OPD: With the add-on of Care OPD under ₹1 cr health insurance policy, each insured member can avail of up to 8 OPD consultations (4 with General Physicians, 4 with Specialised doctors) as per policy terms.
  • Reduction in PED Wait Period: PED reduction benefit under 1 Cr health insurance helps modify your PED waiting period from 36 months to 24 months or 12 months.

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.

Tax Benefits Under 1 Crore Medical Insurance

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

How to Claim 1 Crore Health Insurance?

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:

Cashless Hospitalisation Claim Process

  • Submit the duly filled and signed pre-authorisation form to the hospital insurance desk.
  • Our claim management team will send an approval letter.
  • If required, our claim management team might raise a query.
  • After the approval, your bills will be directly paid to the hospital.

Reimbursement Claim Process

  • Submit the duly completed and signed Health Insurance claim reimbursement form along with all the required documents:
  • You are required to submit the following documents:
  • Valid photo ID proof
  • Medical certificate issued by the hospital/doctor
  • Original bills, receipts, and discharge form issued by the hospital/doctor
  • Other documents, as requested by the insurer
  • Our claim management team may raise a query if required
  • The claim management team will send an approval letter
  • At last, the claims team will communicate in case of any rejection

Buying Health Insurance with 1 Cr Coverage: Things to Remember

It is crucial to consider certain factors when choosing a ₹1 cr health insurance as listed below:

  • Expenses covered: Make sure to select a sum insured that will not fall short in case of an emergency, and a premium that is not too absurd.
  • Waiting Period: The waiting period is one clause that you must carefully check and assess before purchasing a policy with a higher sum insured. Generally, there is a waiting period of 36 months for pre-existing diseases and 24 months for specified slow-growing diseases.
  • Network Hospitals: You should always check the insurance company's network of healthcare providers. In case of a medical emergency or hospitalisation, the hospitals in the network offer cashless treatment options under this facility.
  • Lifetime Renewability: Look for health policies that offer lifetime renewability. There is a higher chance of suffering from diseases and illnesses when you are older.
  • No Claim Bonus: No claim bonus in ₹1 cr medical insurance refers to the additional coverage provided by the insurer to the insured if no claim has been made during the year.

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.

  • Your Healthcare Needs: Before opting for a ₹1 cr health insurance policy, you must assess your healthcare needs by considering factors such as age, the number of family members, medical history, etc. Consider opting for a 1 to 6 Crore cover, depending on the medical expenses.
  • Premium: Opt for a policy with a high sum insured, like a customised ₹1 cr health insurance policy, and you can expect an affordable ₹1 Cr health insurance premium rate.
  • Buy Health Insurance Online: Technology has made buying a mediclaim policy of 1 Crore easy and convenient. You now have the option to review the best policies comfortably from your mobile or computer screen. Also, you can make premium payments and raise a claim request online.

Common Myths About 1 Crore Health Insurance Plans Debunked

Several myths surround  ₹1 cr health insurance plans. Let’s read and debunk a few below.

  • Younger Individuals Don’t Need a 1 Crore Health Insurance Policy: Every age group needs a health insurance policy because of poor lifestyle patterns. The rise in health issues among the young generation highlights the need for health insurance for all ages.
  • You Get Covered As Soon As You Get the Plan: The coverage effectiveness varies from insurer to insurer, even for the most comprehensive ₹1 cr health insurance plans.
  • Online Plans Can be Misleading: Purchasing ₹1 crore health insurance online can only be misleading if you don’t make a careful purchase. Check the insurer's official website, refer to the policy documents to understand the coverage and exclusions, and make payments through secure gateways. You can easily avoid fraudulent activities when purchasing your 1 crore health insurance plan online.
  • Hiding Pre-existing Diseases Doesn’t Make a Difference: People are always convinced to hide their current medical conditions to get a few thousand off on their existing health conditions. You must never hide your current medical issues, as this may affect the claims made during the policy year.

Why Should You Choose Care Health Insurance for ₹1 Cr Health Insurance Coverage?

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:

  • High Sum Insured at Competitive Premiums
  • Comprehensive Coverage, including hospitalisation, day-care procedures, pre- and post-hospitalisation, domiciliary care, and organ donor expenses.
  • Wide Network of Hospitals
  • Unlimited Automatic Recharge
  • No Claim Bonus (NCB) Benefits
  • Global Coverage Option
  • Annual Health Checkups
  • Quick Claim Settlement
  • Customisable Add-on

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Voice of Our Customers

S
sumit December 20, 2024
Care Advantage
5

Perfect Health Insurance Company

I am extremely pleased with my experience with Care Health Insurance. I had a policy with them and recently filed a claim for AYUSH treatment for my father. The entire process was smooth, and I was delighted to receive the full claim amount without any hassles.Care Health Insurance stood by their commitment to cover AYUSH treatments, which reflects their customer focused approach and reliability. The claim processing was efficient, and the team ensured a seamless experience. I highly recommend.
SK
Shubham Kumar October 22, 2024
Care Advantage
5

BEST PRODUCT IN CARE

BEST PRODUCT IN CARE
AS
Ankit Singh Yadav August 23, 2024
Care Advantage
5

Amazing Product No Sub limit Features

Amazing Product No Sub limit Features , Purchase Policy and Run Policy 2021
GS
Gurpreet singh December 19, 2023
Care Advantage
5

Nice team

I called them for my top up insurance. I dont know how to purchase the top up plan. But their support team guided me patiently and I got top up for my health insurance. Very nice team to work with.
ND
Nandita Das December 18, 2023
Care Advantage
2

Dissappointed

We bought Care Advantage plan for our family. My mother in law had to be admitted for an operation but my claim wasnt approved due to waiting period
YS
yesudas sharma December 18, 2023
Care Advantage
5

badhiya service dete hain

Maine Mere father ke operation ke liye claim raise Kiya tha... Unhone call par mujhe sab procedure samjhaya aur medical reports bhi mangi. I sent them my fathers reports. Uske baad i received reimbursement for treatment cost in 30 days. Bas thoda aur jaldi ho jata.....
SS
Shipra Swami December 17, 2023
Care Advantage
3

Tired

Cashless claims takes too long I hope this review reaches the concerned authority and they try to pace up the process.
PV
Pratistha Verma December 15, 2023
Care Advantage
4

Nice team

Satisfied with the process and claim approval speed. Thanks
CA
Chinki Awana December 01, 2023
Care Advantage
5

Hapy with the company

mere father in law ka operation hua we raised claim and got the reimbursement. abhi topup insurance bhi liya hai so we are having increased sum insured now. Must buy
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

FAQs on 1 Crore Health Insurance Plan

Q. What is the Eligibility Criteria for Care Advantage- a 1 Cr Health Insurance is:

The minimum entry age to opt for Care Advantage is:

  • 5 years for individual
  • 91 Days with at least 1 member of age 18 years or above, for floater policy

There is no upper age limit for enrolment and no age limit for exit.

Q. Why Should You Opt for Care Advantage 1 Crore Medical Insurance?

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.

Q. Can I get a cover of Rs. 1 Crore for maternity insurance plans?

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.

Q. Can I Buy Care Advantage without a Medical check-up?

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.

Q. How to Calculate Premium for 1 Crore Health Insurance?

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.

Q. Can you add your family members under a ₹1 crore policy?

You can choose a family floater plan under ₹1 crore health insurance to cover your spouse, children, and parents.

Q. Does the policy cover pre-existing diseases?

Yes, but only after a waiting period, generally 2–3 years, depending on the insurer's terms.

Q. Is global treatment always included?

Some policies include it by default, while others offer it as an add-on. It depends on your insurer, so check with them.

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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.