Health Insurance Policies Covering the Risk of 10 Lakhs

Nowadays, health issues have become the major concern for many individuals and they can only cover the health risks through a health insurance policy. As the medical expenditure is quite high so the individuals are looking for a health insurance plan for 10 lakhs or more. Therefore, you can see various health insurance plans that cover the risk of at least 10 lakhs. On the other hand, an amount of INR10 lakhs is enough to meet out all types of expenses during a medical emergency and that is the main reason an individual wants a health insurance policy that covers the huge sum of money.

Types of Health Insurance Plan with the Sum Assured of 10 Lakhs

Here you can see the types of health insurance that covers a huge sum of money and compensate for the expenses incurred during a medical emergency.

Religare Care Health Insurance Plan

Religare Health Insurance Company is one of the best companies that have many health insurance plans for individuals. One such plan is the Religare Care Health Insurance Plan that covers the risk of 10 lakhs. You can have a look at the features of this plan.

1. There is no maximum age to take this policy.
2. There is no effect on the premium amount whether you take the insurance or not.
3. The insured members of the family can take preventive health checks.
4. The Company provides the cashless facility for settling the claim.
5. You can take the policy of the sum insured between the ranges of 2 lakhs to 10 lakhs.
6. This policy can be taken by paying the one-year premium for 3 years.
7. The Expenses covered under this policy are in-patient charges, pre, and post-hospitalization costs, organ donation, and ambulance charges.

HDFC Ergo Health Suraksha

The HDFC Ergo Health Suraksha also covers the risk of up to 10 lakhs and you can take this policy to face the financial crisis in case of a medical emergency.

1. If your age is below 45 then there is no need for pre-policy checkups.
2. You are entitled to take no claim bonus if you haven’t made any claim in a year.
3. There is no sublimit in this health insurance plan. You can consult any doctor, go to any hospital, etc. without worrying about the sublimit.
4. This policy also covers the ayurvedic and non-allopathic treatment.
5. All the expenses like domiciliary expenses, daycare expenses, in-patient expenses, etc. are covered under the HDFC Ergo Health Suraksha Policy.

Apollo Munich Optima Restore Health Insurance Plan

This insurance plan is one of the best health insurance plans for 10 lakhs. It gives you the cover of up to 50 lakhs. You can even take the plan for the sum insured of 10 lakhs. Have a look at the benefits of this policy.

1. The Range of the Sum Insured in between 3 Lakhs to 50 Lakhs.
2. All the individuals between the age of 3 months to 65 years can take this health insurance plan.
3. This policy includes the feature of lifelong renewability.
4. Expenses like domiciliary expenses, daycare expenses, in-patient expenses, etc. are covered under this Policy.
5. After the waiting period of 2 years, this policy also includes diseases like hernia, cataract, joint replacement, and hysterectomy.
6. This health insurance plan is available online.

Bajaj Allianz Family Floater Health Guard Policy

This policy also assures the sum of 10 lakhs in case of a medical emergency. You can take this health insurance plan for yourself and for your family members as well. There are some other features of this policy that you might find interesting.

1. There is no need for a pre-screening test if you are taking the policy for a sum of 10 Lakhs or less and your age is up to 45 years.
2. Renewals are allowed in this policy until the age of the policy reaches 80 years.
3. You can choose any room because sub-limit is not applicable to its rent.
4. Under this policy, you can take the cashless facility at the hospitals that are in the company’s network.
5. Hospital expenses, daycare expenses, domiciliary expenses, etc. are covered under the Bajaj Allianz Family Floater Health Guard policy.

Aditya Birla Activ Assure Diamond Plan

This health insurance policy has the option to cover the sum between 2 Lakhs to 2 Crores. It can be the best health insurance plan if you want to ensure a sum of 10 lakhs. Let’s take a look at the other features of this health insurance plan.

1. There is no restriction for the maximum age and the minimum age can be of 3 months.
2. This policy gives you medical coverage for two to three years.
3. Hospital expenses, daycare procedures, post, and pre-hospitalization expenses, etc. are covered under this policy. Ayush, homeopathy, naturopathy, Unani, Siddha, etc. treatments are also covered in this policy.
4. Under this health insurance policy Hospital cash, ambulance cover and other miscellaneous covers are also available.