- Affordable health insurance plans
- Lower premium options
- Add-on riders available
10 Lakh Insurance To Shield You From A Medical Emergency
37 years old Rishabh didn’t have enough savings to fund the dialysis treatment of his wife, so he had to sell his only commercial property. The reason was that he did not have enough savings or medical insurance to cover the hospital bills. Now he’s in shock, guess what did he realise?
He realized that having health insurance with critical illness coverage or a family floater health policy with critical illness riders added to it has become a necessity nowadays. Rishabh learnt this lesson late and he had no choice but to buy suitable family health insurance. But you can start early, with an affordable premium health policy. Because if you have dependent members in the family and you can’t afford expensive medical bills on your own, having a health insurance policy will have your back in those tough times.
All you have to do is, choose a suitable plan for yourself and your family with the best 10 Lakh health insurance. If you’re planning to buy your first health insurance policy, then health insurance plans for 10 Lakhs are sufficient to substantiate your basic healthcare needs.
This article has everything about a 10 Lakh health insurance premium, its inclusions and exclusions, how to buy it and which 10 Lakh health policy you should buy. Read further to know more about the same.
KEY TAKEAWAYS
- 10 Lakh health insurance plans are affordable yet provide comprehensive healthcare coverage.
- You should plan to buy your insurance only after calculating the 10 lakh medical insurance premium.
- It’s suitable for first-time health insurance buyers, senior citizens, young individuals and women.
- 10 Lakh health insurance plans offer you individual as well as family floater benefits, senior care, maternity benefits, critical illness and accidental rider benefits, along with others depending on your policy coverage.
- It’s suggested to buy a high sum insured policy because the higher the sum insured the higher will be its coverage options. So, plan accordingly.
Best health insurance plans for 10 Lakhs sum insured
Choosing a 10 Lakh health insurance on your own can be tricky. It’s wise to compare health plans with multiple options first and then select the best one. So, we have some of the best health insurance suggestions with 10 Lakh sum insured health plans so you don’t have to overwork before buying one.
Also, the premium value of the following plans is based on age factor, it may vary depending on the zone of residence, medical conditions, coverage enhancement, add-on riders, and so on. The data below is curated for a 1 year policy period.
| 10 Lakh health plans | |||
|---|---|---|---|
| Category of plans | Entry age (in years) | Premium per month (approx.) | USPs of the plan |
| Individual plans (Premium for insured aged 25 years) | |||
| Niva Bupa Aspire Gold+ | 18 - 65 | ₹ 616 | Maternity cover, In-patient care, Daily hospital cash, Optional worldwide cover, Wellness benefits |
| ManipalCigna Prime Active | 18 - 70 | ₹ 794 | In-patient care, Daily hospital cash, Wellness benefits, Domiciliary hospitalization, Pre-existing diseases |
| Aditya Birla Activ Health Platinum - Enhance | 18 - No limit | ₹ 713 | Daily hospital cash, Worldwide cover, In-patient care, Pre-existing diseases, Non-allopathic coverage |
| Family floater plans (2 Adults+2 Children) (Premium for insured aged 25 years) | |||
| Niva Bupa Reassure 2.0 Bronze+ | 18 - 65 | ₹ 1,655 | No pre-policy examination, In-patient care, Pre-existing diseases, Domiciliary hospitalization, 3X cumulative bonus booster |
| ManipalCigna Prime Protect | 18 - No limit | ₹ 1,805 | Optional maternity cover, Optional newborn care, In-patient treatment, No co-pay clause, Wide daycare coverage |
| Star Assure | 18 - 75 | ₹ 1,982 | Maternity cover, Rehabilitation & pain management, Newborn baby cover, from day 1 Wellness benefits, No co-pay clause |
| Senior citizen plans (2 Adults) (Premium for insured aged 66 years) | |||
| Niva Bupa Senior First - Platinum | 61 - 75 years | 5,903 | No sub-limits, Air ambulance cover, In-patient treatment, Unlimited restoration of the sum insured, No pre-policy examination rule |
| Care Freedom | 46 - Lifelong | 8,103 | 170 daycare procedures, Home care treatment Care, shield benefit COVID care with OPD benefit, Lump sum payout cover |
| ManipalCigna Prime Senior Classic | 56 - 75 | 3,730 | Modern & advanced treatment, Teleconsultation facility Pre-existing diseases, cover Optional PED waiting period reduction, No pre-acceptance required |
| Critical illness plans (Insured aged 25 years, based on zone and profession) | |||
| Care Critical Mediclaim | 18 - No limit | ₹ 1,018 | Dialysis cover Covers 32 specified critical illnesses Psychiatric counselling Chemo and radiotherapies cover International second medical opinion |
| Niva Bupa CritiCare | 18 - 65 | ₹ 2,384 | Covers 20 critical illnesses AccidentCare cover HospiCare cover Policy combinations available Lump sum and staggered payout option |
| ManipalCigna Lifestyle Protection- Enhanced | 18 - 65 | ₹ 3,410 | Covers upto 30 critical illnesses Online wellness programs Staggered/lump sum payout cover Worldwide emergency cover Multiple riders available |
Inclusions & exclusions of 10 Lakh health insurance
| What does it cover? | What it does not cover? |
|---|---|
| In-patient hospitalization | Breach of law or an unlawful activity |
| Out-patient hospitalization (as per specified conditions) | Alcoholism or drug abuse |
| Daycare procedures | War, resurrection, nuclear explosions, life-threatening activities, etc |
| Ambulance charges | Cosmetic, dental, or beauty treatment and plastic surgeries, etc |
| AYUSH treatment cover | Infertility treatments, sterility treatments, etc |
| Pre-existing diseases (as per specified conditions) | Change of gender treatments |
| Worldwide coverage (in emergency, if specified in the policy) | HIV/AIDS, STDs, and so on |
Why should you buy 10 Lakh health insurance from PolicyX?
- ‘We’ are a certified insurance web aggregator
- ‘We’ are trusted by our customers, over 80% of them are our repeat customers
- ‘We’ give you a convenient and easy platform for policy comparison
- ‘We’ are always open to providing you with free consultation and guidance, be it renewal or support
- ‘We’ offer online discounts on buying policies from us, cheaper than buying them offline
- ‘We’ are trusted by insurance companies to sell their best-selling health insurance plans
Process of buying health insurance plans for 10 Lakhs from PolicyX
-
Step 1
Visit the official website of PolicyX
-
Step 2
Click on ‘Buy Now’
-
Step 3
In this step, click on ‘View Plans’
-
Step 4
After selecting your 10 Lakh health plan that suits you, fill out all the necessary details like contact number, number of family members, Pincode, etc
-
Step 5
Pay the necessary premiums and you’ll receive policy purchase confirmation from PolicyX
Summary
As you read the unfortunate tale of Rishabh who is stressed out because of his wife’s medical emergency. I’m sure you do not ever want to be in Rishabh’s shoes when it comes to facing these medical challenges in life.
So,
Why not get basic covered health insurance with a minimum of 10 Lakhs as the sum insured? A 10 Lakh health insurance will not only save you from urgent medical distress, but it will also provide comprehensive coverage to you and your dear ones.
We have a 10 lakh health insurance premium calculator that’ll help you compare various 10 Lakh health insurance policies and choose the best for you. Or, if you need more guidance on the health plans, call us at 1800-4200-269 and get your queries resolved in minutes.
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10 Lakh Insurance To Shield You From A Medical Emergency : Faq
1. Why should I buy a 10 lakh health insurance plan?
Health insurance plans with a 10 lakh sum insured are an affordable yet comprehensive health policy option that an average earning person can also buy.
2. Can I get 10 lakh health insurance for my family?
Yes, there are multiple options for 10 lakh family floater health insurance plans like the Niva Bupa Reassure 2.0 Bronze+, Star Assure, etc. To more about these plans visit the official website of PolicyX or call us at 1800 4200 269.
3. What are the eligibility criteria for buying 10 lakh health insurance?
An individual who is between 18 to 65 years of age can buy a 10 lakh health insurance policy, given the policy benefits vary with age and medical conditions.
4. What is the health insurance premium for a 10 Lakh policy?
The premiums for health insurance plans with a sum insured of 10 Lakhs may range between INR 600 to 1000 or above (depending on the plan type and coverage benefits it offers).
5. Where can I find a 10 lakh health insurance premium calculator?
You can check out your 10 lakh health plan premiums from the PolicyX premium calculator, once you put in all the details required for it.
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Written By: Simran Nirala
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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