Imagine a future where you can access the best healthcare services without worries. A health insurance policy with coverage of Rs. 1 crore in India ensures financial protection against substantial medical expenses. Let’s say you or a family member faces an unexpected medical event, such as a severe illness or accident.
With a 1 crore health insurance policy, you are covered for medical expenses such as hospitalisation costs, critical illness treatments, costs for major surgeries, daycare procedures, and so much more which also includes worldwide coverage for medical treatments outside the country. up to this significant amount.
Consider a scenario where hospital bills accumulate due to hospitalisation resulting from an unforeseen accident or illness. In such cases, the 1 crore health insurance policy acts as a safeguard, it is designed keeping in mind the below points:
Healthcare costs are soaring, and a 1 crore insurance cover provides a substantial financial cushion to confidently manage the high expenses associated with quality medical treatment
With lifestyle diseases becoming increasingly common, such as diabetes, heart disease, and obesity, a 1 crore insurance cover ensures comprehensive coverage for these conditions. You can face these health challenges head-on, knowing that your insurance will provide the necessary financial support for treatments and long-term management post a waiting period
By choosing a high SI, you can rest assured that, regardless of the cost of treatment, your health insurance coverage will be more than sufficient. Whether it's major surgery, critical illness, or emergency medical care, the range ensures that you have adequate funds to meet the cost of treatment.
According to the National Cancer Registry Programme of the India Council of Medical Research (ICMR), approximately 1300 individuals succumb to cancer daily in India.
Global and domestic reports indicate that every fourth person below the age of 70 is now at a heightened risk of succumbing to life-threatening conditions like tumors, cancer, heart attacks, and kidney failure.
The incidence of diabetes and hypertension is on a continual rise, exposing a significant portion of the population to the risk of chronic kidney diseases.
Considering the exponential increase in medical expenses in 2020, the cost of undergoing medical treatments is anticipated to surge by nearly five times. Consequently, the necessity for a 'Rs 1 Crore health insurance' is more pressing today than ever before.
You Should buy 1 Crore Health Insurance if…..
Individuals with a genetic predisposition to critical illnesses are likely at a heightened risk. For instance, having a family history of cardiovascular diseases increases the likelihood of a heart attack. It is advisable to proactively secure critical illness cover in your health plan to access optimal treatment.
People above 40 years of age are more susceptible to life-threatening illnesses, making it prudent to have sufficient coverage through a critical illness insurance policy. Purchasing it in your 30s is also a wise choice, given that many young individuals are affected by acute illnesses due to a sedentary lifestyle and hereditary factors.
Being the sole earning member in the family necessitates safeguarding the entire family with a Rs. 1 Crore health insurance plan. This is crucial to prevent your family members from undergoing financial distress or emotional turmoil in case of any health-related challenges.
A detrimental work atmosphere is a significant contributor to life-threatening diseases. Studies show that individuals with high-pressure jobs or professions are more prone to such diseases at an early stage. Balancing personal and professional life is an option, or alternatively, opting for a Rs. 1 Crore health insurance policy with critical illness cover can mitigate future financial constraints.
Choose from sum insured options ranging from 6 to 1 Crore, Rs 25 Lakh, and Rs 50 Lakh, ensuring optimal healthcare for your loved ones.
| Age | Pricing |
|---|---|
| 21 to 35 years | 7566 (630 per month)* - 9552 (796 per month)* |
| 36 to 45 years | 11047 (921 per month)* - 13290 (1108 per month)* |
| 46 to 65 years | 34553 (2880 per month)* - 71673 (5973 per month)* |
Every health plan has specific eligibility criteria. Eligibility Criteria Specifications:
| Eligibility Criteria | Specifications |
|---|---|
| Minimum Entry Age | Adult - 18 years, Children - 90 days |
| Maximum Exit Age | Adult - 65 years, Children - 25 years |
| Family Members Covered | Up to 6 members (Self, spouse, dependent children, dependent parents, and parents-in-law) |
| Renewability | Lifelong |
Dive into the benefits of a 1 crore health insurance plan! From hospital stays to surgeries, it's your financial shield against major health challenges. Your health, your wealth – covered!
Get complete protection against various medical expenses whether it's major surgery, critical illness, or emergency medical care, the range ensures that you have adequate funds to meet the cost of treatment.
With 1cr SA option, get access to the best healthcare services without financial concerns. Choose renowned hospitals and doctors without compromising on quality of treatment
Some plans offer coverage for medical treatments outside the country, which is beneficial if you travel frequently or require specialised treatments abroad.
Restoration benefit is an add-on feature in health insurance policies that provides an additional sum insured amount after the primary sum insured is exhausted in a policy year. This feature may be handy for policyholders likely to use their original sum insured due to recurring illnesses or hospitalisations
If you rarely claim your insurance, you can receive an increased coverage each claim-free year until your total SI increases by 100%. So that you can ensure you have sufficiently adequate coverage whenever needed.
The higher Sum Insured plan empowers you to access high-quality medical treatment swiftly and conveniently when the need arises.One can receive the best medical care without the burden of hefty medical bills. The plan also offers a range of benefits to support a healthier lifestyle, providing peace of mind regarding financial concerns. Whether you opt for an individual cover or a family floater with sums insured at Rs.1 crore, 50 lakh, 25 lakh, or a maximum of 6 crore,1 crore health plan is designed to cater to your specific needs.
Health insurance inclusion embraces a wide array of services, encompassing hospitalization, preventive care, maternity coverage, and more. Please find the details as follows
Benefit from coverage after specific waiting periods:
| Waiting Period | Duration |
|---|---|
| Pre-existing period | 2-4 years |
| Initial waiting period | 30 days |
| Specific disease waiting period | 1-2 years |
| Covid-19 treatment | 30 days |
| Grace period | 30 days |
| Free-look period | 30 days |
Connecting You to Affordable and Comprehensive Individual Health Insurance Plans.
Welcome to Bimasure, your trusted destination for securing individual health insurance that meets your unique needs. We understand the importance of personalized coverage, and our mission is to guide you through a seamless experience in finding affordable individual health plans.
Discover a wide range of individual health insurance plans from top providers, ensuring you have access to the best coverage for your specific health requirements.
Our user-friendly platform lets you compare multiple individual health insurance options side by side, empowering you to make informed decisions that align with your preferences and budget.
We partner with leading individual health insurance companies, renowned for their reliability and commitment to the well-being of our users.
Elevate your coverage with a higher sum assured health plan—ensuring comprehensive protection for your well-being and peace of mind.
While advanced medical treatments are available for most illnesses, these treatments often come with a hefty price tag. Consequently, investing in a health insurance plan with a substantial sum insured, specifically an Rs. 1 crore health plan, has proven to be advantageous. Furthermore, a health insurance policy with a sum insured of Rs. 1 crore gains even more significance in the following scenarios:
As per policy terms and conditions, no medical test is required if no pre existing condition is declared upto a specific age and Sum Assured
The my: 1 crore health insurance plans define a specific age range indicating the minimum and maximum entry ages at which individuals can acquire the policy. Typically, the entry age for family floater policies commences at 91 days. This implies that you can include your child who is 91 days or older under the family floater plan. As for adults, the minimum entry age is 18 years. The maximum age limit for policy entry is set at 65 years for adults, while children can be covered as dependents up to the age of 25.
A grace period of 30 days is provided for policy renewal. However, it’s important to note that any illness, disease, or condition contracted during this grace period will not be covered.
Health Coach:
The policy offers a health coaching facility aimed at assisting you with disease management, nutrition, activity and fitness, weight management, and psychological counselling. Access to the coaching facility is available through the company’s mobile application, allowing you to engage through chats or by scheduling a call-back.
Wellness Services:
As part of the wellness services, you can enjoy enticing discounts on OPD expenses, diagnostics, pharmacy services, and more. Additionally, you receive monthly newsletters, consultations related to diet, and health tips as part of the consumer engagement program. Moreover, specially-designed programs for stress management, work-life balance, and pregnancy care are also provided.
Get tailored advice for your insurance needs.
