A ₹2 Crore health policy is an insurance plan that can cover the very expensive healthcare costs incurred for medical treatments. There has been a rise in critical and life-threatening illnesses in India.A insurance amount like a ₹2 Crore health policy is essential. 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 for ₹ 2 crore
You need to careful before choosing the best health insurance. This can be done by keeping the following points in mind.
Rational sum insured
Metro city residents need to keep in mind how expensive healthcare is in these areas. In case of an individual health insurance policy, your sum insured should ideally range between 10 lakhs to 50 lakhs. For family health insurance, it should be at between 25 lakhs and above. However, the bigger 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.
Lesser financial burden
A bigger sum insured value of health insurance policy means you have to pay higher premium. But if you want to lower the cost of premium, you can opt for co-payment clause. The co-payment option is basically when you share
the healthcare expenses with your health insurance company. Thus, the premium you pay is lesser.
Cashless treatment option
Do check the list of network hospitals the insurance company has tie-up with. It is also important to be aware if the list of network hospitals includes the ones that are nearby your residence. At HDFC ERGO, we have an
exhaustive 12,000+ Cashless healthcare network coverage.
Zero 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.
Features and benefits of health insurance of ₹ 2 Crore
Extensive coverage of health expenses
The best health insurance plan will include coverage for expenses like doctor fees, specialist fees, costs of medical and
diagnostic tests, ambulance charges, in-patient expenses, hospital room rents, cost of surgery and even post-hospitalization expenses. Hence, when you choose the right mediclaim policy, it would help you during emergencies,
without any financial stress.
Cashless Treatment
With cashless treatment you just need to get your treatment done at a network hospital and the bills are settled directly by the insurance company. These days every good insurance plan provides cashless treatment benefits
along with a strong network of hospitals.
Pre and Post-hospitalisation charges
Many health insurance plans offer coverage for pre and post-hospitalization charges up to 60 days, before and after the treatment, depending on the policy terms and conditions.
Cumulative Bonus
For every claim-free year, the health insurance company offers a discount on the premium costs for the subsequent year.
Savings on tax
Under Section 80D of the Income Tax Act, Health insurance premiums paid are tax-deductible. Apart
from this, premiums paid parents health insurance can also be claimed for tax deductions.
Alternative treatment expenses
Alternative treatment procedures such as Ayurveda, Siddha, Homeopathy, Yoga, Acupuncture and others, have gained more relevance in the past few years. Many health insurance plans offer coverage for the costs of alternative
treatment expenses up to a certain amount, as per the policy terms and conditions.
Home treatment costs
A lot of health insurance plans have extended the coverage to include treatment costs taken at home. However, there are certain terms and conditions that you need to check with your insurance company.
How To Select The Right 2 crore health Insurance Plan?
Suitable 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.
Good investment
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 ₹2 crore Health Insurance Plan?
Healthcare expenses are extremely expensive and it will only keep increasing in the future. So, buying a 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 ₹2 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 ₹2 crore 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 2 crore 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 history
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 up to the age of 65 years.
Who is this plan suited for?
Observing the current economic scenario, and the rate at which medical inflation is increasing steeply, it is safe to say that health insurance has become a necessity. This shields 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 10 lakhs. But
for a middle-aged person having two kids and dependent parents, a 10 lakh health insurance may not be sufficient. However, due to a sudden rise in critical illnesses such as cancer, tumours, cardiac arrests and so on, having a lumpsum amount
like 10 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 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 10 Lakhs health Insurance Policy Online:
Not just for a 10 lakh health insurance, but in general, when buying a mediclaim policy, the following documents need to be kept handy.
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 – There are various communications that the health insurance company will need to send to your postal address and they also need it for their records. Following documents for address proof can be submitted:
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.
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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.
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Pay less, Get more: Opt for a long-term policy of 2 years and get a 5% discount.
In India, the age requirement for purchasing a 2 crore health plan may vary depending on the insurance provider. Typically, health insurance policies are available to individuals from age 18. However, some providers
may have age limits that range from 18 to 65 years. It's best to check with the insurance provider or a licensed insurance agent for more specific information on the age requirement for purchasing a 2 crore health
plan. It's also important to note that some insurance providers may have different age limits for plans and policy types. So, check with your insurance provider for the exact age limit for the specific plan
you are interested in buying.
2. Is it useful to buy a health plan with a two crore sum insured?
It's important to consider your circumstances, such as your age, pre-existing medical conditions, and the cost of medical treatment in your area, when choosing a health insurance plan. In India, the cost of medical
treatment can be high, especially for serious illnesses such as cancer and organ transplants. It's important to consider your circumstances, such as your age, pre-existing medical conditions, and the cost
of medical treatment in your area, when choosing a health insurance plan. There may need to be more than a 2 crore sum insured to cover the cost of treatment for severe illnesses, especially if you live in
a major city where medical treatment costs are higher. However, two-crore health insurance may suffice if you seek general coverage.
3. Is COVID-19 treatment covered under a 2 crore Health Plan?
It may depend on your specific health insurance plan and the insurance provider. Some health insurance policies in India may include coverage for COVID-19 treatment, while others may not. It's important to note
that even with a 2 crore health plan, the coverage for COVID-19 treatment may be subject to certain terms, conditions, and limits. Some policies may have sub-limits on specific treatments or a waiting period before
coverage begins. Besides, the covid-19 pandemic is a recently developed health concern, so many insurance providers are still trying to adapt their policies to this new situation. It's best to check with your
insurance provider or a licensed insurance agent to confirm whether your policy covers COVID-19 treatment and if there are any exclusions or limitations. In addition to this, regularly check with your insurance
provider for the latest updates and changes regarding covid-19 coverage.
4. What is the grace period on a 2 crore Health Plan?
The grace period for a health insurance policy in India may vary depending on the insurance provider and the specific policy. Some insurance providers offer a grace period of 15-30 days, while others offer longer grace
periods. If the premium is not paid within the grace period, the policy will lapse, and the coverage will be suspended. The policyholder must pay the outstanding premium and any late fee to reinstate the coverage. It's also important to note that some insurance providers have different grace periods for different policies or plans under the same policy. It's best to check with your insurance provider to know the grace period
for your 2 crore health plan.
5. Does a 2 crore Health Plan offer any value-added services?
Some health insurance plans in India may offer value-added services such as
Telemedicine: virtual consultations with doctors and specialists through video conferencing or phone calls
Second opinion services: getting a second opinion from a specialist before undergoing a major treatment
Health check-up: free or discounted health check-ups at designated centres
Health and wellness services: discounts on gym memberships, yoga classes, and other wellness services
Cashless hospitalisation: the ability to get treated at a network hospital without having to pay upfront and get the reimbursement later
Portable coverage: option to continue coverage even after changing jobs or location
It's best to check with your insurance provider or a licensed insurance agent to confirm whether your 2 crore health plan includes
any value-added services and what they cover. It's also important to note that not all insurance providers offer the same value-added services. Some of these services might not be included in every plan or policy, even
with the same provider, so it's best to check the plan details before purchasing.
6. Who should buy the 2 crore insurance plan?
A 2 crore health insurance plan in India may be suitable for individuals or families with a higher risk of incurring high medical expenses. This may include people with pre-existing medical conditions, elderly individuals
living in areas where medical treatment costs are high, and individuals with high-risk occupations. The cost of medical treatment in India can be high, especially for serious illnesses such as cancer, heart disease,
and organ transplants. It's also important to consider your circumstances when choosing a health insurance plan. It would be best to consider factors such as age, pre-existing medical conditions, and the cost
of medical treatment in your area. Therefore, a 2 crore sum insured can provide higher financial protection in such contingencies.
7. If I buy 2 crore health insurance, is there any limit on how much I can claim in one go?
Some health insurance plans in India may limit how much can be claimed in one go, also known as sub-limits. Sub-limits limit the amount claimed for specific treatments, procedures, or room categories. For example, some
plans may have a sub-limit on the amount you can claim for a room rent or specific surgeries. Check the policy details and look for sub-limits that might apply to your 2 crore health insurance plan. Some plans
may have sub-limits on specific treatments or procedures, while others may not have any sub-limits at all. It's best to check with your insurance provider or a licensed insurance agent to confirm whether your 2
crore health insurance plan has any sub-limits and what they are. You can also compare plans to see which offers the best coverage without sub-limits.
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.
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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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