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1 Crore Health Insurance Starting at Just ₹545/Month*
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Up to 40% discount
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24x7 customer support
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10,000+ network hospitals
1 Crore Health Insurance
₹1 Crore health insurance is designed to provide extensive coverage against costly medical expenses like critical ICU care, complex cardiac care, and long-term treatments for chronic conditions like diabetes or kidney disease. In other words, this plan will cover your medical costs up to ₹1 Crore to ensure your medical treatments are fully covered.
To put this into perspective, heart surgery and cancer treatments now cost upwards of ₹30-₹40 lakh. Ongoing care is equally as expensive, with daily dialysis treatments costing around ₹1,500 to ₹4,000 per session. So, if you live in metropolitan cities like Delhi or Mumbai, where healthcare is expensive or have a family member who needs ongoing medical care, this level of coverage can be a financial lifeline.
At IndusInd General Insurance (formerly Reliance General Insurance), our ₹1 crore health insurance plans are built to account for these costs. From hospitalisations to follow-up OPD visits, and even multiple claims within the same year, we have you covered. With this level of protection, you can focus fully on recovery while we take care of the bills.
Why Buy a ₹1 Crore Health Insurance Plan?
Rising Medical Costs
Medical inflation is rising at the rate of 13%-14% annually, which is lower than the wage growth in India. Plus, medical costs, even for minor surgeries like cataract, has increased to ₹1 lakh, so a basic ₹5 or ₹10 lakh plan is no longer enough.
Critical Illness Cover
1 Crore health insurance offers coverage for high-cost treatments for critical illnesses like cancer, organ transplants, etc. Under this plan, you stay insured even when you need post-operative care or a second claim in the year after a surgery.
Maximise Tax Savings
You can save up to ₹1 lakh* annually on your premium payments under Section 80D of the Income Tax Act - under the old tax regime. This amount also includes any preventative health check-up costs paid for within the year up to ₹5,000*.
Modern Treatment Cover
You get coverage for new age treatments like stem cell therapy, which can cost around ₹32 lakhs, with our ₹1 Crore health insurance. This ensures you have a strong safety net even if treatment costs end up exceeding your initial estimates.
Our health insurance plans offer coverage against the rising cost of medical treatments and cover a wide range of medical services, ensuring healthcare remains accessible to you in times of need.
AYUSH & Modern Surgery
100% SI coverage for both.
Up to 40% Discount
More protection at lower costs.
Unlimited SI Restoration
Unlimited comprehensive coverage.
20+ Add-On Covers
Choose coverage as per needs.
Types of IndusInd Health Insurance Policies
Health Infinity Insurance
This is a high coverage health insurance plan with sum insured options from ₹5 lakh to ₹5 crore. It’s perfect for anyone looking for a ₹1 crore health insurance plan that will cover most, if not all, their healthcare costs from quick OPD consultations to major organ transplants costing lakhs. Under this plan, you also get the option to increase your SI by 30%* under the “More Cover” benefit at no extra cost.
Health Gain Policy
This is a family-focused health insurance policy with 3 variants - Plus, Power and Prime, offering varying coverage options. For example, if you need constant medical care or want to cover your family members against rising costs, you can choose the Prime Variant. This plan offers high SI ranging from ₹3 lakh to ₹1 crore, with unlimited restoration of SI. It includes coverage for up to 12 family members.
Health Global Policy
This plan is designed to provide coverage for planned treatments abroad and medical treatments in India (optional). It offers coverage up to USD 1 million for global treatments and unlimited SI for treatments in India. It also covers accommodation and visa costs. So, if you're getting treatment in London and need surgery in Mumbai, this ₹1 crore plan covers you in India and abroad, without the stress of separate plans.
Health Super Top-up
Enhance your existing health insurance coverage to ₹1 Crore with our Super Top-up plan. For instance, if you wish to enhance your existing health insurance coverage to ₹1 crore, this plan can supplement your medical needs should you exhaust your primary plan's SI. Our plan offers added coverage from ₹5 lakh to ₹1.3 crore and covers inpatient, outpatient, and day care treatments. You get all this and more bundled in one powerful top-up plan!
What is Covered?
Day 1 Coverage: You're fully covered from the first day of policy commencement for claims due to medical emergencies and accident-related claims.
Hospitalisation & Inpatient Care: Covers expenses like room rent, ICU charges, doctor’s fees, surgery, tests and medicines when hospitalised.
Modern Treatments: Advanced procedures like stem cell therapy, robotic surgeries and chemotherapy are covered.
AYUSH Treatments: Includes coverage for Ayurveda, Yoga, Unani, Siddha and Homoeopathy up to the policy's SI limit.
Pre- and Post-Hospitalisation: Covers related medical expenses for 90 days before and 180 days after hospitalisation.
Day Care Procedures: Covers treatments that don’t need 24-hour hospitalisation (e.g., chemotherapy, dialysis, minor surgeries like cataract).
Domiciliary Hospitalisation: Covers treatment at home when hospitalisation isn’t possible and suggested by the doctor.
Emergency Ambulance: Covers the emergency ambulance costs per hospitalisation to transport you to the nearest hospital.
Transportation Benefit: Covers transportation costs as per policy limits for transporting to and from the hospital.
Organ Donor Expenses: Covers surgery and hospitalisation costs for organ transplants up to the sum insured.
What is Not Covered?
Cosmetic & Elective Surgeries: We will cover cosmetic surgery and other elective surgeries, such as dental and vision care, if they're medically necessary due to an illness or injury.
Pregnancy & Infertility: Maternity costs can be covered with the help of add-ons such as the Maternity Cover.
Unprescribed Medicines: All your prescriptions are covered, but medicines bought without a doctor’s prescription aren’t reimbursed.
Unregistered Hospitals: We cover all authorised hospitals in India, but they need to be legally registered.
Experimental Treatments: We cover all treatments except those not approved by the IRDAI or WHO.
Illegal Activities, Self-Harm & Substance Abuse: We cover all treatments for accidental injuries except ones obtained due to participating in illegal activities, substance abuse, and self-harm.
War or Acts of Terrorism: You get day 1 coverage for medical emergencies; however, illness and injuries due to war, riots or terror attacks are excluded.
Waiting-Period-Based Exclusions: 30-day wait for illnesses (except accidents), 24 months for specific diseases, 36 months for pre-existing conditions, 12–24 months for maternity. Waiting periods can be reduced with add-ons.
Disclaimer: The list of inclusions and exclusions varies depending on the type of plan you choose. Read your policy documents carefully here.
Get top-tier protection and lifelong cover
Call us today to get ₹1 crore protection
Who Should Consider Buying ₹1 Crore Health Insurance?
Sole Earning Family Members
If you’re the sole breadwinner of your family, a ₹1 crore health policy can help cover your whole family under one plan. For example, you could file multiple claims a year – one family member may fall ill, one may need surgery and post-op care, etc. – and still have enough coverage leftover. In other words, a ₹1 crore health policy ensures all your family members get coverage for treatment. It also makes policy management easy for you, since you won't have to keep track of multiple health insurance plans.
Families With Senior Citizens or Children
Parents or grandparents can have higher health risks, and children may sometimes need costly medical treatments in case of an emergency or unexpected illness. These costs can quickly exhaust a basic health policy. That’s why we recommend higher coverage plans when senior citizens or young dependents are involved. A ₹1 crore health insurance policy can easily account for regular healthcare costs and unexpected medical emergencies, so your older family members and children stay covered.
Anyone With A Chronic Condition
If you or a family member has a chronic health condition like high blood pressure, diabetes, or a critical illness like cancer, then regular treatments are essential to manage symptoms. A ₹1 crore health insurance plan ensures you have access to quality healthcare. It also ensures you don't skip treatment if treatment costs start to put a strain on your finances. You also won’t have to worry about coverage running out since you get such a high sum insured amount.
Metro/Tier-1 City Residents
Healthcare in metro cities like Delhi, Mumbai, Bangalore and Chennai is more expensive, especially if you're getting treated at a private hospital. For instance, heart surgery can cost around ₹1.95 - ₹5.25 lakh – and this is just the cost of surgery, you also need to account for costs like post-operation care, medicine and follow-up consultations. Even basic tests like an X-ray can cost around ₹600*. Hence, having a high SI plan like ₹1 crore health insurance is a necessity.
Up to 40% Discount*
Quick Cashless Claims via IndusInd Insurance app
10,000+ Network Hospitals*
Claim Process for ₹1 Crore Health Insurance
Step 1
Register your claim by using the IndusInd Insurance app. You can also call us (+91-224890-3009) or send an email.
Step 2
Use the cashless network hospital locator widget below to find your nearest hospital.
Step 3
Visit any authorised hospital, we recommend going to a network hospital, and submit documents to ICare.
Step 4
The hospital's TPA desk will send us your medical expenses.
Step 5
Our team will work with the TPA team to settle your bills directly.
Step 1
In case your cashless claim is denied, pay upfront and claim later.
Step 2
Collect all the bills, receipts and diagnostic reports from the hospital.
Step 3
Register the claim via the app, website, email or by calling us.
Step 4
Fill out the claim form and submit the required documents.
Step 5
We will review and reimburse you as per the policy terms.
Key Takeaways
Lifestyle diseases, such as cancer, thyroid imbalances, fatty liver and diabetes, are on the rise due to high-stress lifestyles and poor diet. To ensure you are adequately covered, our ₹1 crore health insurance plan covers medical treatments, including modern treatments like robotic surgery and alternative treatments at AYUSH facilities. You also get access to essential medical care, through day care procedures, preventive care and home-based treatments.
Plus, if you're not looking to buy a new health policy and are already covered under an existing plan, we also offer a super top-up plan as an alternative. It's a less expensive way to boost your coverage, and our super top-up plan offers coverage up to ₹1.3 crore to ensure you have more than enough coverage.
Beyond the financial benefits our plans offer, you can also file quick claims through the IndusInd Insurance app and get assistance via our dedicated customer support team, making managing your healthcare needs a seamless experience. We ensure all-around and reliable protection for you and your family.
IndusInd General Insurance
Aapke Protection ka All-rounder
₹1 Crore health insurance starting at just ₹545 per month*!
A Crore-Level Promise for Your Health!
Get ₹1 Crore protection against any and all medical emergencies! Our policies are designed with today's healthcare needs in mind to ensure you and your family stay secure.
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