A ₹1 Crore health policy is an insurance plan that can cover the very expensive healthcare costs incurred for medical treatments. In the past few years, due to erratic lifestyle and stress, there has been a rise in critical and life-threatening illnesses in India. A high-value insurance amount like a ₹1 Crore health policy is necessary. Amid the rising healthcare costs, this health insurance policy can act as a protective net. The benefits of such a policy can be enjoyed by both individuals and families.
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How to choose Health insurance plan under 1 crore?
You need to careful before choosing the best health insurance. This can be done by keeping the following points in mind.
Satisfactory sum insured
People who stay in metro cities, they need to keep in mind how expensive healthcare is in these parts. So, if they are looking for an individual health insurance policy your sum insured should ideally range between 10 lakhs
to 25 lakhs. For family health insurance, it should be at between 25 lakhs and above. However, the higher the value of
your sum insured, the better coverage you will get. Choose a sum insured which should be enough to cover more than one hospitalization that may happen in a year.
Affordability:
A higher value sum insured health insurance policy means you have to pay higher premium. However, in case you want to lower the cost of premium, you can opt for co-payment clause. In a health insurance policy, the co-payment
option means you share the healthcare expenses with your health insurance company. Thus, the premium you pay is lesser.
Strong cashless network
When buying a health insurance plan, check the list of network hospitals the insurance company has tie-up with. It is also vital to check if the list of network hospitals includes the ones that are nearby your residence.
At HDFC ERGO, we have a exhaustive 12,000+ Cashless healthcare network coverage.
No sub-limits
Healthcare expenses majorly depend on the room type and the ailment. It is wise to buy a health insurance plan that does not include sub-limits on hospital room rent so that you have the freedom to choose a room as per
your comfort. Most of our policies also don’t imply disease sublimit; this is also an essential factor to keep in mind.
Waiting period extent
Your health insurance plan does not come into action while you are waiting period is not completed. Always check
health insurance policies with lower waiting periods for pre-existing ailments and maternity cover benefits before buying a health insurance plan online.
Brand Value
Go for a health insurance company that has a good standing and reliability in the market. Other factors you need to keep in mind while choosing an insurance company is their customer base and claim settlement ability to
know if the brand will be able to pay off the claims that you may make in future.
Best health insurance plans for ₹ 1 crore
The best health insurance plans with a sum assured of ₹1 crore are listed below.
Product Name
Minimum Entry Age
Maximum Entry Age
Policy Tern
Sum Insured (in Rs.)
Optima Secure
Buyer: 18 years Dependent children: 91 days
65 years
1-3 years
5 Lakh - 2 Crore
My:health Koti Suraksha
Buyer: 18 Years Dependent adult: 18 years Dependent child: 91 days
Buyer: 65 years Dependent adult: 65 years Dependent child: 25 years
1 -3 years
50 lakh – 1 crore
Features and benefits of health insurance under 1 Crore
Coverage for a wide range of medical expenses
The best health insurance policy will cover everything from doctor and specialist fees to the costs of medical and diagnostic
tests, ambulance fees, in-patient costs, room rents, surgery costs, and even post-hospitalization costs. Therefore, if you select the appropriate Mediclaim policy, it will assist you in times of emergency without placing
you under any financial strain.
Cashless Treatment
With cashless treatment, you only need to get treated at a hospital in the network; the insurance company will pay the bills directly. Today, every good insurance plan has a strong hospital network and benefits that do
not require cash.
Costs before and after the hospitalization
Depending on the terms of the policy, many health insurance plans cover costs before and after the hospitalization for up to 60 days.
Bonus for every year without a claim
The health insurance company gives you a discount on your next year's premiums.
Savings on taxes:
Health insurance premiums are tax-deductible under Section 80D of the Income Tax Act. In addition,
parents' health insurance premiums can be claimed as a tax deduction.
Costs of alternative treatments
Alternative treatments like Ayurveda, Siddha, Homeopathy, Yoga, and acupuncture have become more popular in recent years. According to the terms of the policy, many health insurance plans cover the costs of alternative
treatments up to a certain amount.
Costs associated with in-home treatment
A number of health insurance plans now cover in-home treatment as well. However, you should verify certain terms and conditions with your insurance provider.
How To Select The Right health Insurance Plan under 1 crore?
Appropriate coverage
A medical insurance plan that safeguards you against a broad range of medical problems, and provides benefits like pre and post hospitalization, daycare expenses, etc, is ideal to purchase. In case you are purchasing a family health insurance plan, confirm if the policy meets the needs of each member of your family. List down your requirements, evaluate plans
on benefits and costs, and then choose a plan that serves your needs.
Value for money
While you cannot equate money with care for your health, because people want to cure themselves and their loved ones at any cost, but it is important to buy a health plan that is affordable for you. Budget plays a vital role
when buying health insurance. However, you should check the benefits stated in the mediclaim policy before the price of it. The best tip is to buy a practically priced health cover at the beginning to ensure you are covered
properly and the premiums are also affordable. Then going forward, you can assess your plan and raise the cover as per the increase in your income, family size, and requirements.
Type of plan
If you are single and don’t have to bear family responsibilities, it is practical to opt for individual health insurance plans.
But, if you are thinking of including your family members in your medical insurance policy, it is better to buy a family health plan to enjoy maximum benefits at a more affordable price.
Renewability for lifetime
At the time of buying a health insurance plan, make sure you check if you plan has lifetime renewability feature or not. It is practical and much more valuable to purchase a mediclaim policy which offers you the option of lifetime
renewability since you are most likely get be affected by health ailments as you age. Hence, choose health plans which offer lifetime renewability.
Network hospital coverage
When you buy a health insurance plan, it is extremely important to check their list of network hospitals. The best health insurance in India provides you with a large network hospital options. Also, check the number of network
hospitals which are nearby your residence. With HDFC ERGO health insurance plans, you can choose from nearly 12,000+ cashless networks where you can avail quick, convenient and cashless claims settlement!
Claim settlement ratio
The claim settlement ratio is the number of claims settled by the insurance provider over the total received claims. When choosing a health insurance plan, go for the insurance company that has a high claim settlement ratio.
The above points will help you gain maximum benefits when you look for a health insurance. Buying health insurance is basically an important investment that you are making to protect yourself from the financial load
of high healthcare costs. So, it is important that you invest in the right plan and with the right insurance company.
Who Needs a ₹ 1crore Health Insurance Plan?
Healthcare expenses are extremely costly and it will further increase in the future. Treatment in the private sector has always been expensive and it will only rise with time.So, buyinga health insurance for yourself and your family is necessary.
With the development of advanced technology in medicine, many healthcare treatments are very expensive. Such high-cost treatments can easily exhaust your health insurance policy, and this is why you require increased coverage of ₹1 Crore.
Further, if the only earning member of the family falls sick, it causes even more mental and financial stress. All of this can be avoided by purchasing and paying the premium for a health insurance that will cover your medical expenses in
the event of an emergency. Whether you buy a ₹1crore health insurance plan or of any amount, it all depends on your health requirements.
Just like every other health insurance plan, we also cover your hospitalization expenses such as room rent, ICU, investigations, surgery, doctor consultations etc due to illnesses and injuries seamlessly.
Mental Healthcare
We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover hospitalization expenses incurred for treating mental illnesses.
Pre & Post Hospitalisation
It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, physiotherapy, consultations, etc.
Day Care Treatments
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
Home Healthcare
In case of hospital bed non-availability, if the Doctor approves treatment at home we cover you for that as well. So that, you get medical treatment right at the comfort of your home.
Sum Insured Rebound
This benefit acts like a magical backup, which recharges your exhausted health cover to treat the next hospitalization. Basically, we ensure uninterrupted medical coverage at the time of need.
Organ Donor Expenses
Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor while harvesting a major organ from the donor’s body.
Recovery Benefit
If you stay in a hospital for more than 10 days at a stretch, then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization.
AYUSH Benefits
Let your belief in alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Free Renewal Health Check-up
Get a free health check-up within 60 days of renewing your policy with us.
Lifelong Renewability
Once you get yourself secured with, our health insurance plan there is no looking back. Our health plan continues to secure your medical expenses for your entire lifetime on break free renewals.
Multiplier Benefit
If there is no claim in the first year, in the next policy year, the sum insured will grow by 50%. It means, instead of ₹ 5 Lakh, your sum insured would now stand at ₹ 7.5 Lakh for the second year.
The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our health insurance plans.
Adventure Sport Injuries
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
Self-inflicted Injuries
If you ever end up causing injury to your precious self, then unfortunately our health insurance plan will not cover for self imposed injuries.
War
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.
Participation in Defence Operations
Our health insurance plan does not cover accidental injury while you are participating in defence (Army/Navy/Air Force) operations.
Venereal or Sexually Transmitted Diseases
We do understand the criticality of your disease. However, our health insurance plan does not cover venereal or sexually transmitted diseases.
Treatment of Obesity or Cosmetic Surgery
Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan.
3 Sum Insured Rebound
This benefit acts like a magical backup, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.
Cashless Home Health care**
If your Doctor recommends, you can get yourself treated at home and avail cashless medical facilities with utmost ease. This service is now available in 16 cities.
Hospitalization Expenses
Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.
Pre & Post Hospitalisation
It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, consultations, etc.
Daycare Procedures
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
AYUSH Benefits
Let your belief in alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Organ Donor Expenses
Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor while harvesting a major organ from the donor’s body.
Recovery Benefit
If you stay in a hospital for more than 10 days at a stretch, then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization.
Mental Healthcare
We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover hospitalization expenses incurred for treating mental illnesses.
Free Renewal Health Check-up
Get a free health check-up within 60 days of renewing your policy with us.
Lifetime Renewability
Once you get yourself secured with, our health insurance plan there is no looking back. Our health plan continues to secure your medical expenses for your entire lifetime on break free renewals.
The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our health insurance plans.
Eligibility for 1crore health insurance plan from HDFC ERGO
For most health insurance companies the age limit is 65 years. After that age, it is a bit difficult to get a health insurance plan because the more you age, you are more prone to health risks and that increases the risks for health insurance
companies as well. For the eligibility criteria for buying health insurance plans, below are two of the most factors that decide it:
Medical records
You need to completely honest while buying a health insurance policy. Pre-existing illnesses, if any, need to be stated clearly. These do not mean common diseases like fever, flu, or headaches. But, if in past you have ever been diagnosed
with any disease, birth defects, undergone surgery, or cancer of any severity it is important to inform your medical insurance company. These need to be declared because many ailments are listed under permanent exclusion, few are covered
with a waiting period and few others are covered by charging additional premium with a waiting period.
Age
Any person who is 18 years or above can easily buy a health insurance plan. Health insurance plans also cover newborn babies but the parent needs to have a health insurance policy with the insurance company. Senior citizens can get themselves
insured upto the age of 65 years.
Who is this plan suited for?
In this current economic situation, and the rate at which medical inflation is increasing sharply, it is safe to say that health insurance has become a necessity. This protects you and your loved ones during health emergencies, while also helping
you plan your finances better. Now, the amount of health insurance you opt for depends on your health requirements and how much you can afford. For example, a young professional may opt for a health insurance plan for 20 lakhs. But for a middle-aged
person having two kids and dependent parents, a 25 lakh or 50 lakh health insurance is a better option. However, due to a sudden rise in critical illnesses such as cancer, tumours, cardiac arrests and so on, having a lumpsum amount like 50
lakh health insurance or above is the need of the hour.
How this plan works?
Firstly, you buy a health insurance of your choice. Usually, your medical insurance is offered on yearly basis and it has to be renewed each year after expiry. Now, during a policy year, in the event of hospitalization of an insured person,
it’s obvious that you will make a claim for your healthcare expenses. Now, the insurance company, in case of a claim, first checks whether the treatment that is required by the insured is covered under the insurance policy.
The next step is that the insurer finds out the hospital where the insured is getting his treatment is in its network or not. If you choose a network hospital to get treated, then you’re eligible for a cashless hospitalization and the
TPA (Third Party Administrators) are the ones responsible for settling your hospitalization bills.
TPA will verify the details of your medical insurance policy and if it has a deductible clause or if the total amount of your bills exceeds the amount of your sum insured, you just have to pay the balance. And if no such clause applies, you
need not worry about anything.
Now, in case, you wish to get treated at a non-network hospital, you have to pay to hospital first, but do remember to collect all your medical bills that also includes pre & post hospitalization bills. These bills need to be submitted
to your insurer. Again, the TPA will check the clauses of your policy and calculate the total amount to be reimbursed after deducting the co-pay amount (if any) or the amount that exceeds your insurance coverage. The balance or the entire
amount of your bills - whichever is applicable, will be directly reimbursed by the insurance company.
Other Factors Which Can Affect the Premium
Pre-existing illness
Medical history is a key factor that affects your insurance premium. While buying a health insurance policy it is absolutely compulsory to submit your health records. If you have had certain health issues in the past then the insurance
company can either choose to allow it in or decide not to allow it in their policies. If the insurance company does not bear the cover of a certain disease then the policy holder usually bears the cost. This eventually increases or
affects the amount for premium.
Family health history
Genetics do play a role in shaping up your personality and over all life structure. Even your physical and emotional health is greatly affected by your family history. In case your family history records illnesses like heart disease, diabetes
or cancer then insurance companies assume that the probability of you contracting these diseases are also pretty high. In that case the size or amount of your premium is going to be higher than the amount that you needed to pay in
case your family would not have any such problem.
Age -
One of the most vital factors that can affect your health insurance premium is your age. It is a matter of common sense that a younger person runs lower health risk in comparison to a person who is older. Eg: A 22-year-old woman falling
sick because of a heart condition is certainly less likely than a man of 65 years. However there may be exceptions. However, the general rule stays that people who are younger have lower chances of falling sick or visit doctors. Hence
health insurance premium payable for a younger person is lesser than an older man.
Profession
Your choice of profession can also affect your health insurance premium. People working in profession which expose them to hazardous environment like constructions, radiation, substances are at high risk of falling prey to various diseases
like cardiovascular and various other life threatening diseases..
Documents required for buying a 1 Crore health Insurance Policy Online:
Your choice of profession can also affect your health insurance premium. People working in profession which expose them to hazardous environment like constructions, radiation, substances are at high risk of falling prey to various diseases like
cardiovascular and various other life threatening diseases.
Age proof - You need to provide the age proof of all the members to be insured under the health insurance policy that you have chosen. A copy of any of the following documents is valid:
Voter ID Card
Pan Card
Aadhaar Card
Driving License
Passport
Birth certificate
10th or 12th mark sheet
Address Proof –
Ration card
Driving license
Passport
Rent agreement if applicable
PAN Card
Aadhaar Card
Utility bills like electricity bill or telephone bill
Voter’s ID
Passport-size photographs – You will also need Passport-size photographs of applicants and members of the insurance plan for insurer records.
Medical reports – Some insurers demand a medical report of the applicant and members as well depending upon the plan chosen along with the coverage.
Proposal form – To buy a health insurance plan every insurer will get a proposal form duly filled in and signed by the applicant. It is used for purpose of their future records.
How to Make a Claim for Your HDFC ERGO Health Insurance?
The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claims and
reimbursement claim requests.
Health Insurance Cashless Claims get approved within 20*~ minutes
1
Intimation
Fill up the pre-auth form at the network hospital for cashless approval
2
Approval/Rejection
Once hospital intimates us, we send you the status update
3
Hospitalisation
Hospitalisation can be done on the basis of pre-auth approval
4
Claim settlement
At the time of discharge, we settle the claim directly with hospital
We settle reimbursement claimswithin 6~* hours
1
Hospitalisation at non network hospital
You need to pay the bills initially and preserve the original invoices
2
Register a claim
Post hospital discharge send us all your invoices and treatment documents
3
Verification
We verify your claim related invoices and treatment documents
4
Claim Settlement
We send the approved claim amount to your bank account.
Compare our Best Health Insurance Plans
No Cost Installment Available*^
Optima Secure
Optima Restore
my:health Suraksha
my:health Koti Suraksha
my:health Women Suraksha
my:health Medisure Super Top-up
Critical Illness Insurance
iCan Cancer Insurance
Just launched
Optima Secure
4X Coverage*
Wider Pre & Post Hospitalisation
Free preventive health-check ups
Key Features
Secure Benefit: Get 2X coverage from Day 1.
Restore Benefit: 100% restores your base coverage
No Cost Installment*^ Option: Credit and Debit card holders can now opt for the No cost instalment*^ option
Aggregate Deductible: You can enjoy up to 50% discount every year by choosing to pay a little bit more. You also have the super power to waive your opted deductible at renewal post completion of 5 years under
this Policy@
No Medical Test Upto 45 Years: It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
Free preventive health-checkups: We offer free health check-ups so that you are healthier and happier always
Cumulative Bonus: Don’t think that your health insurance plan is of no use if you do not make a claim. It rewards you with additional 10% to 25% sum Insured upto a max of 200% depending on the plan
opted at the time of renewal.
50 Lacs & 1 crore cover options: Choose your health cover from two options of sum insured as per your needs.
No room rent capping^*: Get the freedom to choose any room upto a standard private AC Room.
Wider Pre & Post hospitalisation: We offer wider coverage of 60 days for pre-hospitalisation and 180 days for post hospitalisation expenses towards investigations, therapies and consultation charges.
Cumulative Bonus: Get an additional 10% of the sum insured on every claim-free renewal, which can go up to a maximum of 100%.
Works on Aggregate Deductible: This health plan comes in action once your all round total claim amount reaches the aggregate deductible in a year, it’s not necessary for a single claim to meet the deductible
unlike other top-up plans.
No health checkups upto Age 55 : It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
Pay less, Get more: Opt for a long-term policy of 2 years and get a 5% discount.
Looking at the current inflation, a health insurance plan is needed for all individuals. As technology advances, the rise in health deterioration will also be seen. Medical inflation is also at the top. Thus, it is
challenging for middle-class people to pay heavy medical bills if they fall ill. It is where the need for a health insurance plan arises. A health plan of 1 CR specifically offers financial assistance at the
moment when the policyholder is ill. Any individual can buy a health a 1 CR health plan. However, an adult should be at least 18 years old when purchasing a health plan. It is better to buy at the early phase of
life as it comes with the best premium and cover options. The maximum age criteria for a 1 CR health plan is 65 years. However, the age criteria for dependents included in the plan vary.
2. Is it useful to buy a health plan with one crore sum insured?
Medical expenses are hefty these days. A health plan makes these procedures inexpensive as the insurer bears the bills. Thus, having a 1 CR health plan is the ideal of all. For instance, if you are the only provider
for your family, the cost of the illness of any family member falls on you. It can land one in considerable debt. And this is where a health plan comes to the rescue!. In addition, a considerable health plan of
1 CR ensures that your savings are adequate – this means that you don’t have to save expenses for medical anymore or have to pay for medical bills. Every individual is bound to have some stress
with a challenging lifestyle. Psychological pressure leads to physical ailments. But this can be easily reduced by purchasing a 1 CR health plan from HDFC ERGO. In short, you just have to worry about health expenses.
3. Is COVID-19 treatment covered under a 1 Crore Health Plan?
COVID- 19 is a universal issue. All of us have at least been through this condition once in life. The pandemic has taught us how important life and health are. And indeed, it has also taught us the importance of money.
The food shortage was manageable – but many had to lose their life because of the inability to pay medical expenses. A health plan is the best thing when it comes to such situations. A 1 CR Health Plan
by HDFC ERGO covers the entire COVID-19 treatment. COVID- 19 generally requires private hospitalization, and the cost of that could charge a bomb. Additionally, this virus comes with many health problems, such as
reduced immunity and the rise of other diseases and disorders. Therefore, a Health plan of 1 CR is sufficient to safeguard your and your family against COVID- 19 as it is included in the insurance plan.
4. What is the grace period on the 1 Crore Health Plan?
Health plans come with an expiry. During the purchase, you will be asked to select the tenure. When these years pass by, it is essential to renew the plan. Sometimes, the policyholder is ill or forgets to renew the program
– this does not ensure that the plan has expired. There is always a Plan B that exists. Insurers provide a grace period for their customers during which they can renew their health plans. The same applies
to a 1 CR health plan. In case any individual cannot renew the plan, they are given a grace period of 30 days. During this period, the insured should ensure that they pay the amount to revive their on-hold plan. However,
it is essential to remember that any illness, hospital bills or other medical expenses won’t be covered during this time. In short, this grace period allows one to hold their health plan.
5. Does 1 Crore Health Plan offer any value-added services?
Value-added services are an essential part of a health plan worth 1 CR. For instance, 1 CR Health plan from HDFC ERGO includes the Wellness service and a health coach. The service health coach assists individuals
in taking care of their health. For instance, it includes weight loss programmes, recovering from diseases, and reviving oneself through psychological counselling. This service is included in the 1 CR Health plan, wherein
the insured has to place a call to avail of this service. Similarly, other health services are also a part of value-added services. It includes pharmacy, diagnostics, OPD costs, diet consultations, and other health
advice. It is very beneficial during pregnancy as this service helps maintain health and balance.
6. Who should buy the 1 crore insurance plan?
If someone in your family has a medical history, the risk of you developing any medical problem is high. A huge health plan cover will take care of medical expenses.
People in midlife experience back, knee, and blood pressure. These start developing at this phase of life. Hence, prefer a massive health plan so that when more minor issues get bigger, you have something to back you
up.
Stress irritates one mentally and affects physical health. If you think that stress is affecting you- then, you must take a 1 CR health plan. It will keep you stress-free and gives assurance that even if you fall ill,
the health plan will do the needful for you.
The only breadwinner of the family must consider 1 CR health plan. It will safeguard you and your family in medical urgencies. Those falling into this category must buy a 1 CR health plan.
7. If I buy 1 crore health insurance, is there any limit on how much I can claim in one go?
Generally, there are no limitations to it. You can claim whatever amount you want in one go. However, this might differ from plan to plan. Even the insurance company has set rules pertaining to this. When you buy
a 1 CR plan, you will be asked about the claiming process. Your claim will be determined based on your selection. You can claim an end number of times until your money is completely insured. For instance, you can claim
every time you have an OPD visit. Therefore, while purchasing a 1 CR Health plan, it is necessary to read the terms and conditions carefully. In addition, the claiming process relates to income tax benefits, which
need to be addressed when buying a 1 CR health plan.
Conclusion
In a nutshell, a 5 lakh health insurance policy may be sufficient for some and not be enough for some. You need to make a careful and calculated choice before deciding on the amount you are ready to invest on a health insurance policy. The
amount will also depend on you and your loved ones’s medical requirements. However, the most important thing is having a good health insurance plan. A healthcare emergency can occur any time and a mediclaim policy helps you to deal
with such situations. So, keep the above points in mind to make an informed decision.
Read Sum Insured Related Blogs
Is it worth buying a 1 crore sum insured healthcare plan?
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get in individual sum insured basis plan and for all members you will get separate policy numbers.
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