Top features of a 1 crore health plan
A 1 crore health insurance plan is an excellent option for individuals who want extensive medical coverage for themselves and their families. The plan provides overall protection against hospitalisation expenses, critical illnesses, surgeries, and ambulance charges, among others. Here are the top features of the 1 crore health plan:
Comprehensive coverage
A 1 crore health insurance policy covers you against a range of medical expenses, including hospitalisation, pre- and post hospitalisation, ambulance charges, and more. The coverage also extends to critical illnesses and surgeries, making it an ideal option for families with medical histories.
Lifetime renewable
Most 1 crore health insurance policies are renewable for a lifetime, ensuring that you have continuous medical coverage for yourself and your family.
Cashless hospitalisation
A 1 crore health insurance policy offers cashless hospitalisation, which means that you can get medical treatment at a network hospital without having to pay any cash up front.
No Claim Bonus
Most 1 crore health insurance policies offer a no claim bonus, which means that you will be rewarded with a discount on your premium if you do not make any claims in a policy year.
Family floater options
Some insurance providers offer family floater health insurance policies with coverage of 1 crore. This means that your entire family can be covered under one policy, which can be more cost-effective than buying individual policies.
Coverage details of a 1 crore health insurance policy
A 1 crore health insurance policy is an ideal option for individuals who want extensive medical coverage. These policies offer comprehensive coverage for a range of medical expenses, including hospitalisation costs, critical illnesses, ambulance charges, and more. Here are the key expenses covered by a 1 crore health insurance policy:
In-patient hospitalisation: This policy covers hospitalisation expenses, including room rent, ICU charges, and surgical procedures.
Pre-hospitalisation: It covers the medical expenses that arise before hospitalisation.
Post-hospitalisation: The policy also covers medical expenses incurred after the hospitalisation.
Daycare procedures: The plan covers medical procedures that don't require hospitalisation and can be completed within 24 hours.
Ambulance charges: The policy pays for ambulance charges incurred in emergency situations.
Organ donor expenses: It covers the medical expenses incurred for the organ donor during transplantation surgery.
Coverage restoration benefit: The policy offers a restoration benefit, which means that the coverage amount is automatically restored once the policyholder exhausts it in a policy year.
A 1 crore health insurance policy provides comprehensive medical coverage for a range of expenses, ensuring that the policyholder and their family are protected during times of medical emergencies.
1 crore health insurance premium
The premiums for a 1 crore health insurance policy depend on various factors such as age, medical history, and family medical history. These policies can be more expensive than a standard health insurance policy due to the higher coverage amount. However, the premium for a 1 crore health insurance policy can be reduced by selecting a higher deductible or opting for a family floater option.
In conclusion, a 1 crore health insurance policy is an excellent option for individuals who want to provide extensive medical coverage to themselves and their families. Buying health insurance policies online with up to 1 crore coverage online is a hassle-free and straightforward process that can be completed in a matter of minutes. So, invest in a health insurance policy today and ensure your family's peace of mind.
