A 75 lakh health insurance policy provides coverage of up to ₹75 lakhs for medical expenses incurred due to hospitalization, surgeries, or critical illnesses. It is a high-sum insured plan designed to offer extensive financial protection against rising healthcare costs, especially for advanced treatments in private hospitaKey
Features of a ₹75 Lakh Health Insurance Plan:
1. High Coverage Limit – Covers expenses up to ₹75 lakh per yea
2. Cashless Hospitalization – Network hospitals allow direct billing without upfront payment.
3. Coverage for Pre & Post-Hospitalization – Includes expenses before and after hospitalization.
4. Critical Illness Cover – Some plans offer lump-sum payouts for specified illnesses.
5. No Claim Bonus (NCB) – Increases coverage amount for claim-free years.
6. Room Rent Flexibility – No or high sub-limits on room rent in premium plans.
7. Daycare Procedures – Covers treatments that don’t require 24-hour hospitalization.
8. Alternative Treatments – Some policies cover Ayurveda, Homeopathy, etc.
Who Should Opt for ₹75 Lakh Health Insurance?
– Individuals/families seeking superior healthcare in top-tier hospitals.
– Those with a history of critical illnesses or requiring frequent medical care.
– High-net-worth individuals (HNIs) who want higher financial security.
– People living in metro cities where medical costs are very high.
Popular ₹75 Lakh Health Insurance Plans in India (2024)
– HDFC Ergo Optima Secure (Super Top-up)
– ICICI Lombard Health Advantage
– Star Health’s Senior Citizens Red Carpet (for elderly)
– Niva Bupa Aspire (with unlimited restoration benefit)
– Aditya Birla Activ Health Platinum
Things to Check Before Buying
Co-payment clauses (if any)
Sub-limits on specific treatments
Waiting periods for pre-existing diseases
Network hospitals near you
Would you like a comparison of the best ₹75 lakh health insurance plans based on premiums and benefits?
Hospital insurance 50 lakhs in india
1. Why ₹50 Lakhs Coverage? Rising healthcare costs (e.g., heart surgery, cancer treatment, or organ transplants can cost ₹10–30 lakhs). Advanced treatments (robotic surgery, immunotherapy) are expensive. Protects savings during medical emergencies.
2. Types of Health Insurance with ₹50 Lakhs Cover Individual/ Family Floater Health Insurance: Covers self or family under a single sum insured. Super Top-up Plans : Cost-effective way to get high coverage (e.g., base cover of ₹5 lakh + ₹45 lakh top-up). Critical Illness Plans : Lump-sum payout on diagnosis of specific diseases.
Group Medical Insurance (Employer-provided): Some corporates offer high coverage.
3. Top Insurers Offering ₹50 Lakh Health Insurance Star Health (Super Surplus Plan) HDFC Ergo (Optima Restore) ICICI Lombard (Health Booster) Max Bupa (ReAssure 2.0) Care Health** (Super Mediclaim)
Niva Bupa (ReAssure)
4. Key Features to Check Room Rent Limit: No sub-limit or unrestricted room rent. Pre & Post-Hospitalization Coverage for 30–60 days before and after hospitalization. Daycare Procedures: Coverage for treatments like chemotherapy. No Claim Bonus (NCB): Increases sum insured if no claims are made. Restoration Benefit: Reinstates sum insured after exhaustion. Network Hospitals: Cashless treatment facilities.
5. Approximate Premium Cost
Age 30: ₹10,000–15,000/year (Floater)
Age 50: ₹25,000–40,000/year
Super Top-up (₹50L over ₹5L deductible): ₹5,000–8,000/year
6. Who Should Buy? Families with elderly parents (higher medical risks). Individuals with a history of critical illnesses. Those seeking premium hospitals (Apollo, Fortis, etc.).
7. How to Buy? Online: Policybazaar, Coverfox, insurer websites. Offline: Insurance agents/brokers. Corporate Insurance: Check employer group plans.
8. Tax Benefits Premiums qualify under Section 80D** (up to ₹25,000 for self/family, ₹50,000 for senior citizens).
Final Advice Compare policies on claim settlement ratio (CSR). Check waiting periods (pre-existing diseases ~2–4 years). Opt for lifetime renewability*
Would you like help comparing specific policies or checking eligibility?
What is the cost hospital of 20 lakh health insurance in india
The cost of a 20 lakh health insurance policy in India depends on several factors, including the insured’s age, medical history, city, insurer, and policy type. Here’s a general estimat
Average Premium for ₹20 Lakh Health Insurance
| Age Group | Premium (Approx.) |
| 25-30 years | ₹8,000 – ₹15,000 |
| 30-40 years | ₹10,000 – ₹18,000 |
| 40-50 years | ₹15,000 – ₹25,000 |
| 50-60 years | ₹20,000 – ₹40,000 |
| Above 60 | ₹30,000 – ₹60,000+ |
Factors Affecting Premium
1. Age – Older individuals pay higher premiums.
2. Policy Type – Individual, family floater, or senior citizen plans.
3. Medical History – Pre-existing conditions increase costs.
4. City (Tier) – Metro cities (Tier 1) have higher premiums.
5. Add-ons – Riders like critical illness cover increase costs.
6. Insurer & Plan – Brands like Star Health, HDFC Ergo, ICICI Lombard, etc. have varying rates.
Popular ₹20 Lakh Health Insurance Plans (2024)
| Insurer | Plan Name | Starting Price (Approx.) |
| HDFC Ergo | Optima Secure | ₹12,000 (for 30-year-old) |
| ICICI Lombard | Health Advantage | ₹14,000 |
| Star Health | Comprehensive | ₹13,000 |
| Care Health | Health Insurance (20L) | ₹11,000 |
| Niva Bupa | ReAssure 2.0 | ₹15,000 |
Tips to Reduce Premium Compare policies online (Policybazaar, Coverfox). Opt for a family floater if covering multiple members. Increase deductible (voluntary co-pay). No-claim bonus can reduce renewal costs.
Would you like recommendations based on your age and city?
Best hospital insurance policybazaar in india price for senior citizen: When it comes to the best health insurance policies for senior citizens in India, Policybazaar offers a variety of options with different coverage and pricing. Here are some of the top senior citizen health insurance plans available on Policybazaar, along with their approximate prices (for a sum insured of ₹5-10 lakhs):
Top Health Insurance Plans for Senior Citizens (Age 60-80)
| Insurance Plan | Sum Insured (₹) | Approx. Annual Premium (₹) | Key Features |
| Star Health Red Carpet | 5 Lakh | ₹25,000 – ₹35,000 | No pre-medical tests, restoration benefit, OPD cover (optional) | HDFC Ergo Optima Secure |
| 5 Lakh | ₹20,000 – ₹30,000 | Automatic recharge, no claim bonus, AYUSH cover | ICICI Lombard Health Advantage |
| 5 Lakh | ₹22,000 – ₹32,000 | Daycare cover, unlimited automatic recharge | Care Health Insurance (Formerly Religare) Care Freedom |
| 5 Lakh | ₹20,000 – ₹30,000 | Government-backed, PED cover after 4 years | Bajaj Allianz Silver Health |
| 5 Lakh | ₹25,000 – ₹35,000 | No pre-medical tests up to 75 years, wellness benefits | Manipal Cigna ProHealth Prime |
| 5 Lakh | ₹30,000 – ₹40,000 | Global coverage, health check-ups, PED cover from Day 1 (conditions apply) | |
Factors Affecting Premiums for Senior Citizens:
1. Age (Higher age = Higher premium)
2. Sum Insured (₹5L, ₹10L, etc.)
3. Pre-existing Diseases (Waiting period 1-4 years)
4. Co-payment Clause (Some plans have 10-20% co-pay)
5. Room Rent Limits (Some plans have capping)
6. Add-ons (OPD, critical illness, etc.)
Best for Different Needs: Lowest Premium: Care Health Insurance (~₹18K for ₹5L)
Best Coverage: Manipal Cigna ProHealth Prime (Global coverage)
No Pre-Medical Test: Star Health Red Carpet
Government-Backed: New India Assurance Senior Citizen Mediclaim
How to Buy on Policybazaar?
1. Visit Policybazaar.com or use their app.
2. Select “Health Insurance” and enter details (age, city, sum insured).
3. Compare plans based on premium, coverage, and reviews.
4. Apply online with KYC documents.
Final Recommendation: For comprehensive coverage: Manipal Cigna ProHealth Prime or HDFC Ergo Optima Secure. For budget-friendly option: Care Health Insurance Freedom or New India Assurance Mediclaim.
Would you like a customized quote based on your specific age and city? Let me k
What is the top 5 best health insurance?
The best health insurance providers can vary based on individual needs, including coverage options, cost, network size, customer service, and additional benefits. Here are five of the top health insurance companies in the U.S. for 2024, based on ratings from J.D. Power, AM Best, NCQA, and customer reviews:
1. Blue Cross Blue Shield (BCBS) Why it’s great: – Largest provider network in the U.S. – High ratings for customer satisfaction (J.D. Power) – Offers ACA-compliant plans, Medicare, and employer-based coverage
– Strong financial stability (AM Best: A/A+)
2. Kaiser Permanente Why it’s great:
– Top-rated for customer satisfaction (NCQA)
– Integrated care (hospitals, doctors, and pharmacies in one system)
– Strong digital health tools (telehealth, app-based care)
– Best for HMO plans
3. UnitedHealthcare (UHC) – Why it’s great: – Largest insurer by membership Extensive nationwide network (PPO options) Strong Medicare Advantage and employer plans Offers wellness programs (Optum perks)
4. Aetna (CVS Health)
– Why it’s great:
– Good Medicare and employer plans
– Strong wellness incentives (discounts via CVS)
– High-rated customer service (J.D. Power)
– Affordable ACA marketplace options
5. Cigna Why it’s great: Excellent global coverage (great for expats) Strong dental and supplemental insurance options Good customer service ratings Focus on preventive care
Honorable Mentions: Humana (Best for Medicare Advantage) Molina Healthcare (Best for low-cost ACA plans)
How to Choose the Best for You:
– For large networks: BCBS or UHC
– For integrated care: Kaiser Permanente
– For Medicare: Humana or Aetna
– For affordability: Molina or ACA marketplace plans
Would you like recommendations based on a specific state or plan type (e.g., family, individual, Medicare)? I can help narrow it down!
What is a 10 lakh health insurance policy?
A 10 lakh health insurance policy is a health insurance plan that provides coverage of up to ₹10 lakhs (1 million rupees) for medical expenses incurred due to hospitalization, surgeries, or other treatments covered under the policy.
Key Features of a 10 Lakh Health Insurance Policy: 1. Sum Insured: The maximum amount the insurer will pay for medical expenses in a policy year is ₹10 lakhs.
2. Coverage Includes:
– Hospitalization expenses (room rent, ICU charges)
– Pre & post-hospitalization costs
– Daycare procedures (e.g., chemotherapy, dialysis)
– Ambulance charges
– Critical illness cover (if included)
– Cashless treatment at network hospitals
3.Types of Plans Available: Individual Plan – Covers only one person. Family Floater Plan – Covers the entire family (self, spouse, children, parents) under a single ₹10 lakh limit. Senior Citizen Plan – Tailored for older adults with higher premiums.
4. Premium Cost: Depends on factors like age, medical history, city, and add-ons. Generally ranges from ₹10,000 to ₹30,000 per year for a healthy adult.
5. Waiting Period: Pre-existing diseases (if any) are usually covered after a waiting period (1-4 years).
6. No Claim Bonus (NCB): Some insurers increase the sum insured (e.g., by 10-50%) for every claim-free year.
Who Should Buy a 10 Lakh Health Insurance Policy?
– Individuals/families looking for higher coverage than basic plans (e.g., 3-5 lakh policies).
– Those living in metro cities where medical costs are high.
– People with pre-existing conditions or a family history of critical illnesses.
Top Insurers Offering 10 Lakh Health Plans in India (2024):
– Star Health (Comprehensive policy)
– HDFC Ergo (Optima Restore)
– ICICI Lombard (Health Advantage)
– Niva Bupa (ReAssure 2.0)
– Care Health Insurance (Care Freedom)
Should You Opt for a 10 Lakh Cover? Yes, if: You want better financial protection against rising medical inflation. You have dependents (family floater is cost-effective). You want **cashless hospitalization** in top-tier hospitals.
Would you like help comparing policies or checking premium estimates? 😊
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