Rs. 10 Lakh Health Insurance

A 10 Lakh Health Insurance Policy is a policy with a sum insured of Rs. 10 Lakh, which means it covers up to Rs. 10 Lakh in hospital bills. Depending on the insurer and the coverage of the plan, a Rs. 10 Lakh health insurance policy can have varied premium costs. You must utilise the online premium calculators provided on the official websites of your various health insurance providers to establish the amount of your health insurance plan's premium.

The best health insurance plans with a sum assured of Rs. 10 Lakh are listed below.

1. Go Active

Max Bupa's GoActive is a comprehensive plan that covers you and your family. GoActive is a low-cost, digitally enabled health plan that seeks to satisfy various daily health demands of the people. In-patient hospitalisation, OPD, diagnostics and health checks, second medical opinion, individualised health coaching, behavioral modification, and other services are included under the plan.

Features and Benefits

• A lot of expenses might be incurred both before and after a hospitalisation. These costs might quickly drain your bank account. You are covered by the Max Bupa Go Active Policy for 90 days before and 180 days following your hospitalisation.
• Treatments that need less than 24 hours of hospitalisation are referred to as Day Care procedures. Day-care treatments are also covered under the Go Active Policy.
• You will be qualified for a certain number of OPD visits depending on the quantity insured and the plan option you choose.
• The costs of a doctor-prescribed home treatment that would otherwise require hospitalisation are covered. At least three days of domiciliary hospitalisation are required.

2. Care Freedom Health

Care Plus Health Insurance is a comprehensive health insurance plan that covers people of all ages and has no maximum age limit. This Care Health Insurance Limited plan offers a variety of additional advantages to individuals and families, as well as renewal benefits for those over the age of 40.

Features and Benefits

• It is appropriate for individuals of all ages, including adults, children, and the old.
• It provides the insured with a yearly medical check-up at a Care Health Insurance Limited network hospital once a policy year.
• It provides cashless care at the Care Health Insurance network's more than 16,500 hospitals.
• Under Section 80D of the Income Tax Act of 1961, it gives tax benefits on the premium paid for the policy.
• If the sum insured amount of the policyholder runs out during the insurance period, it will be automatically renewed indefinitely.

3. Activ Assure- Diamond

Activ Assure Diamond Plan is a health insurance plan powered by Aditya Birla Health Insurance. This plan was created by Aditya Birla with the role of preserving your family in the case of a medical emergency as well as ensuring that you live a healthy lifestyle in the future. Under this policy, the company provides policyholders with comprehensive health care coverage ranging from regular medical checkups to hospitalisation care, as well as various incentives in the form of cashback that will be credited to his or her health account, with which policyholders can earn up to 30% of the premium amount.

Features and Benefits

• In the case of an unrelated sickness, the sum insured can be reloaded up to a maximum of 50 Lakh.
• The policy covers 586 day-care treatments that do not require a hospital stay of more than 24 hours.
• In the case of an emergency, you can get domestic and international medical help, including air ambulance services.
• For not claiming the insurance, a 10% cumulative bonus will be earned.

4. Bajaj Allianz Health Guard

Health Guard from Bajaj Allianz is a comprehensive health insurance plan that covers medical costs incurred during hospitalisation due to a major disease or accident. The policy provides full insurance at a low cost that meets all of your requirements. It helps you in remaining financially prepared in the event of a medical emergency.

Features and Benefits

• If you are hospitalised on the advice of a doctor, as stated under the policy, the policy covers in-patient hospitalisation charges.Hospitalization is required due to illness or an accidental bodily injury sustained or contracted within the policy period.
• The insurance policy covers medical expenses incurred as a result of an illness or injury for 60 days prior to hospitalisation.
• Each policy year, you can get a daily cash benefit of Rs. 500 as accommodation charges for up to 10 days. The coverage is available for in-patient hospitalisation. It applies to policies that are more than one year old.
• After three years of insurance, the policy provides a free health checkup.

5. Activ Health Platinum

The insured receives customised coverage from Activ Health Platinum. It also rewards the insured for maintaining a healthy lifestyle. Essential, Premiere, and the Aditya Birla Activ Health Platinum Enhanced Plan are the three options available.

Features and Benefits

• Personal wellness coaching from experienced coaches is available as part of this plan.
• The Activ Health Platinum plan, which is part of the Chronic Management plan, covers you from day one in the case of a severe sickness or disease such as diabetes, high cholesterol, hypertension, or asthma.
• Every year, the insured can take full advantage of a health check-up plan for each adult insured. The checkups are suited to the age of the insured.

Why Purchase Rs.10 Lakh Health Insurance?

Medical care is expensive, especially in the private sector, therefore getting health insurance for yourself and your family is essential. Hospitalization has the potential to drain your bank account and throw your finances into chaos. If the person who brings in the money is now in a hospital bed, it will be much more difficult. All of this can be avoided by paying a little annual premium that will cover your medical expenses in the event of an emergency.