A health insurance plan of ₹ 5 lakhs is a policy for which the policyholder gets a sum insured of ₹ 5 lakhs. Basically, it means that the insured person gets a coverage ₹ 5 lakhs for healthcare expenditure, as per terms and conditions mentioned in their policy. A ₹ 5 lakhs health insurance plan safeguards you and your family against the financial burden of healthcare expenditure incurred as a result of a mishap, minor injury, illness, or other unexpected situation. A good health insurance policy that guarantees a sufficient sum insured can facilitate you in dealing with unforeseen health emergencies.
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How to choose Best Health insurance Plan Under 5 lakhs sum insured?
When you search for the best health insurance plan, you will be presented with a variety of options. But you need to careful
before choosing the best health insurance. This can be done by keeping the following points in mind.
Make sure the sum insured is sufficient
People who stay in metro cities, they need to keep in mind the high cost of treatment. So, if they are looking for an individual health insurance policy your sum insured should ideally range between 5 lakhs to 10 lakhs.
In case of family health insurance, it should be above 5 lakhs. Choose a sum insured which should be enough to cover more
than one hospitalization that may happen in a year.
Pocket-friendly
Opting for 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 network of hospitals
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 wide network of 12,000+ Cashless Health care centers.
Check for 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.
Duration of waiting periods
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.
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65 years
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Features and benefits of health insurance under 5 lakhs sum insured
Wide-ranging cover for 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.
No Claim Bonus (NCB)
For every claim-free year, the health insurance company offers a discount on the premium costs for the subsequent year.
Tax Benefits
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.
Domiciliary treatment
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 5 lakh health sum insured 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.
Keep it affordable
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.
Opt for a plan with lifetime renewability
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 ₹5 Lakh Health Insurance Plan?
Health care cost is currently sky-rocketing and it will further increase in the future. Treatment in the private sector has always been expensive and it will only go up with time. So, buying a health insurance for yourself and your family is necessary.
Hospitalization costs can cause a huge financial dent in your savings and make your life chaotic. Further, if the sole earning member of the family falls ill, 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 ₹5 Lakh health insurance plan or of a higher amount, it all depends on your health requirements.
Understand Coverage Offered by Our Best Health Insurance Policies
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 5 lakhs health sum insured plan from HDFC ERGO
Eligibility criteria and the age limit to buy a mediclaim policy are two of the most common questions that comes a potential buyer’s mind. Usually, most insurance companies have an age limit of 65 years. Beyond 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 insrance 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?
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 5 lakhs. But
for a middle-aged person having two kids, a 5 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 5 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 5 Lakhs health Insurance Policy Online:
Not just for a 5 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.
Compare our Best Health Insurance Plans
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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.
Health Plan guards an individual medically and financially. In case of emergency, when any family member is hospitalised – there is no pressure on the breadwinner to bear heavy, expensive bills. A health plan
pays the amount on their behalf. Therefore, a health plan is a must for individuals to take. However, there are specific eligibility criteria for purchasing a health plan. This criterion differs with the type of
plan. For instance, a person planning to buy a 5 lakh health plan should be at least 21 years. Rest dependents can be of any age. An infant above 3 months is also eligible to participate in a 5 lakh health plan. In case the person buying a health plan is above 56 years. They will have to undergo a medical examination.
2.Is it useful to buy a health plan with 5 lakh sum insured?
Health insurance protects one from unplanned medical expenses. It provides monetary security. We are all aware of how expensive medical costs are today. A health plan makes these procedures affordable since the insurer
pays the expenses. A 5 lakh health plan is, therefore, the best option. For instance, if you are your family's sole provider, the financial burden of any member's illness falls on you. It might result in significant
debt to the only provider. Additionally, a sizable health plan of 5 lakh ensures that your savings are sufficient, so you no longer need to set aside money for medical expenditures or worry about paying medical
bills.
With a demanding lifestyle, stress is inevitable for everyone. Physical problems are caused by psychological stress. But getting a 5 lakh health plan from HDFC ERGO, this may be readily decreased. In other
words, your only concern should be your job, not medical bills. Purchasing a 5 lakh health plan is usually smart because it provides superior coverage.
3. Is COVID-19 treatment covered under 5 lakhs Health Plan?
The COVID-19 problem affects everyone. We've all experienced this predicament at least once in our lives. We have learned the value of life and health due to the epidemic. Indeed, it has also helped us understand the
importance of money. Many people lost their lives because they could not afford medical bills. The greatest option in these circumstances is a health plan. The full COVID-19 therapy is covered by a 5 lakh
Health Plan from HDFC ERGO. The expense of treating COVID-19 needs hospitalisation, which might cost a chunk. Other health issues caused by this virus include lowered immunity and the emergence of new illnesses
and disorders. A health plan of 5 lakhs is adequate to protect you and your family against it. It is now made mandatory by the IDRAI to include COVID-19 in all health plans.
4. What is the grace period on the 5 lakhs Health Plan?
Health plans have a time limit. You will be required to enroll in a health plan for specific years during the purchase. Renewing the strategy is necessary when these years are over. The insured can become unwell or
forget to renew; nevertheless, this does not mean the plan has ended. All insurance providers provide their clients with a grace period during which they can renew their health insurance. A 5 lakh health plan
operates in the same manner. A grace period of 30 days is offered to anyone who cannot renew the plan by the designated date. The insured must make sure they pay the necessary sum to revive their health plan. The
fact that any illness, hospital fees, or other medical costs won't be covered during this period is crucial to remember. This grace period enables one to keep their health coverage.
5. Do 5 lakhs Health Plan offer any value-added services?
A vital component of a health plan worth 5 lakh is value-added services. For instance, the HDFC ERGO 1 CR Health plan comes with a health counsellor and a Wellness service. The health coach service includes programs
for losing weight, recuperating from illnesses, and revitalising oneself via psychological counselling are a few examples. The insured must make a call to use this service, which is covered by the 5lakh Health plan.
In a similar vein, additional health services are included in value-added services. It covers pharmacy, diagnostics, outpatient department expenses, nutrition counselling, and other medical guidance. As this
service supports preserving health and balance, it is especially advantageous during pregnancy.
6. Who should buy the 5 lakhs insurance plan?
The likelihood of you having any medical condition is higher if someone in your family has a history of illness. A sizable health plan covers medical costs. Midlifers often have back, knee, and blood pressure
issues. At this stage of life, they begin to form. Therefore, choose a sizable health plan, so you have something to fall back on when smaller problems start to get larger. Stress makes a person irritable
and has an impact on their health. You need to enrol in a 5 lakh health plan if you believe that stress is having an impact on you. It will relieve your tension and give you confidence that even if you are sick,
the health plan will take care of you. The family's sole provider of income must take into account a 5 lakh health plan. It will protect you and your loved ones in case of medical emergencies. People
who fit this description must purchase a 5 lakh health plan.
7. If I buy 5 lakhs of health insurance is there any limit on how much I can claim in one go?
There are generally no restrictions on it. You are allowed to submit as much as you like at once. However, this may vary from one plan to the next. Even the insurance provider has established guidelines in this regard.
You will be questioned about the claiming procedure when you purchase a 5 lakh plan. Your choice will influence how your claim is handled. You can submit claims indefinitely until all of your money is fully
covered. You may, for instance, make a claim each time you visit the OPD. Therefore, it is important to thoroughly study the terms and conditions before acquiring a 1 CR Health plan. Additionally, while purchasing
a 5 lakh health plan, consideration must be given to the claiming procedure's relationship to income tax advantages.
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?
For all the family members of the family you buy a separate health insurance. The sum insured can be of your choice for all the members which may will vary based on age, lifestyle etc; however, there is no discount benefit like you
get in individual sum insured basis plan and for all members you will get separate policy numbers.
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