Buy ₹1 Crore Health Insurance
Medical costs today are not just high but unpredictable. A single surgery or critical illness can easily cost ₹20 to ₹30 lakhs in metro hospitals. That is why many families are now choosing ₹1 crore health insurance plans.
Such plans offer more than a big cover. They give you financial space during medical emergencies and the freedom to choose the best hospitals and care without worry. Understand how a ₹1 crore plan works, what it covers, and why it is becoming a smart long-term choice for families today.
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What is the Need for 1 Crore Health Insurance?
Here are the key reasons why a ₹1 crore health insurance plan makes sense today:
Covers High-Cost Treatments
Advanced medical treatments like organ transplants, cancer therapies, or cardiac surgeries can easily cost ₹20–₹50 lakhs. A ₹1 crore plan ensures full financial backup.
Protects Against Inflation in Healthcare
Medical costs in India rise by 10–15% each year. A higher sum insured helps your policy stay relevant and sufficient even a decade from now.
Secures the Entire Family Under One Cover
A ₹1 crore family floater plan allows coverage for all family members without worrying about limited room rent or treatment caps.
Supports Treatment in Top Hospitals
You can access top-tier private hospitals and specialists without cutting corners on care or worrying about the bill size.
Useful for Global or Metro City Medical Costs
Treatment in major cities or abroad can be extremely expensive. A ₹1 crore plan provides the flexibility to handle such high bills comfortably.
Protects Long-Term Savings and Investments
A major illness can erode your savings. A high cover keeps your long-term goals, like home, education, or retirement, secure.
Ideal for Families with Ageing Parents
The risk of higher medical expenses increases when parents are included. A ₹1 crore cover provides sufficient protection for the entire family.
Who Should Buy a 1 Crore Health Insurance Plan?
Here are the categories of individuals and families for whom this coverage is most beneficial:
- High-Earning Professionals and Business Owners: Protects wealth from rising medical costs and ensures access to top-quality treatment.
- Families with Dependents: Covers all members under one plan without worrying about coverage limits during multiple hospitalisations.
- Individuals with Health Risks: Suitable for those with chronic or hereditary conditions that may require costly treatments.
- Frequent Travellers or Expats: Offers global coverage for high medical expenses abroad.
- Anyone Seeking Strong Future Security: Ensures peace of mind for unforeseen critical illnesses or major hospital expenses.
Healthcare costs are rising faster than ever, and advanced treatments can easily cross ₹50 - 70 lakh in top hospitals. A ₹1 crore health insurance plan helps you be prepared for the unexpected. Here’s why it matters:
* Covers high-cost treatments such as Organ transplants, cancer therapies, and critical surgeries etc.
* Protects against medical inflation.
* Ideal for metro cities with more advanced care.
* Ensures comprehensive protection for your entire family under one plan.
* Safeguards you against multiple hospitalisations and evolving medical technologies.
If budget is a concern, start with a base plan and add a super top-up later for extra protection.
Tanya Marwah
Head of Marketing
Advantages of Having a 1 Crore Health Insurance Policy
Here are the key benefits of a 1 crore health insurance cover:
- Extensive Coverage for Major Illnesses: Covers high-cost treatments like cancer care, heart surgeries, organ transplants, and neurological procedures without financial stress.
- Cashless Treatment at Top Hospitals: Access treatment at leading network hospitals without paying upfront; the insurer settles bills directly.
- Protection from Rising Medical Costs: Safeguards your savings from inflation and unexpected medical expenses with ample coverage for future treatments.
- Comprehensive Family Cover: One plan can include your spouse, children, and dependent parents—making it cost-effective and easy to manage.
- Tax Savings: Premiums qualify for deductions under Section 80D, helping reduce your taxable income while securing your family's health.
- Added Wellness Benefits: Many plans offer extra perks like preventive check-ups, maternity cover, and wellness programs for better long-term health.
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Why Choose 1 Crore Health Insurance with Digit?
Key Benefits of 1 Crore Health Insurance by Digit
Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key benefits:
* These add-ons are subject to underwriting approval and your eligibility at the time of purchase or renewal
What’s Covered in the 1 Crore Health Insurance Offered by Digit?
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
This covers for all hospitalisation expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalisations, as long as the total expenses are up to your sum insured.
You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .
Digit Special
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..
Health insurance covers medical expenses only for hospitalisations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.
Digit Special
Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!
We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.
There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.
Digit Special
Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.
Get reimbursed for the expenses of road ambulance, in case you are hospitalised.
This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.
Other Features
The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.
This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 1-3 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.
If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.
Digit Special
Your organ donor gets covered in your policy. We also take care the pre and post hospitalisation expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!
Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.
Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalisation for this treatment is for cosmetic reasons.
If due to a trauma, a member has to be hospitalised for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.
Before, during & after hospitalisation, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.
What’s Not Covered under 1 Crore Health Insurance Plan?
Pre-Natal & Post-Natal Expenses
Pre-natal and post-natal medical expenses are not covered unless they lead to hospitalisation.
PED Before Waiting Period
A claim for a pre-existing disease or illness cannot be made until the specified waiting period is over.
Hospitalisation without Doctor’s Recommendation
Hospitalisation for any condition that doesn’t match the doctor’s prescription is not covered.
Health Insurance Add-on Options with Digit
Enhance your health insurance policy with add-ons at Digit. These add-ons are subject to underwriting approval and your eligibility at the time of purchase or renewal. Here’s a list of add-ons available that provide additional layers of protection beyond the basic coverage of your policy:
Consumable Cover
Pay 10% extra premium and we will also cover your non-medical expenses once your base claim is approved.
Pre-existing Disease/Specific Disease/Initial Waiting Period Modification
You can reduce your pre-existing disease waiting period to up to 2 years.
Network Hospital Discount
Opt for treatment at one of our network hospitals and receive a 10% discount on your premium with this add-on cover. However, a co-payment will be applicable if you get hospitalised in a non-network hospital.
Factors Influencing the Premium of 1 Crore Health Insurance
Let's look at some key factors in determining the 1 crore health insurance plan:
Age and Health
Younger people pay lower premiums. Older individuals or those with health issues like diabetes or heart disease pay more.
Lifestyle
Smoking, drinking, or lack of physical activity increases health risks and raises premiums.
Coverage and Add-ons
Adding features like maternity cover, critical illness cover, or higher room rent limits increases the cost.
Policy Term and Claims
Longer policy terms may offer small discounts, but frequent claims can increase renewal premiums.
Location and Hospital Network
Premiums are higher in big cities where medical treatment costs more. Plans that offer cashless care at more hospitals also cost slightly more.
Important Things to Know About Health Insurance
How to Buy 1 Crore Health Insurance?
Buying health insurance online is simple and hassle-free. If you're planning to purchase a policy from Digit, here’s a step-by-step guide to help you through the process:
Enter Basic Details
Visit the Digit app or website. Enter your PIN code and mobile number, select your preferred health insurance plan and provide age details, family members covered, etc.
Choose Plan & Add Member Details
Compare & select the plan, sum insured, add-on covers and apply any available discounts to get the final premium amount. Further provide the member details for everyone you’re covering.
Make Payment & Submit KYC
Once done, proceed to make the premium payment and submit your KYC documents to complete the purchase process.
Final Review & Processing
Now, your application undergoes a brief review process. Digit may request a health declaration, lifestyle information, or medical details & reports if required. Now, based on your medical underwriting, your policy will be issued and sent to your email. You can also access it anytime through the Digit app.
Documents Required to Buy 1 Crore Health Insurance Online
When purchasing a health insurance policy, insurers typically require some basic documents for verification. Below is a list of optional documents that may be needed at the time of purchasing a policy:
Identity/Age Proof
✔ Aadhaar Card
✔ PAN Card
✔ Passport
✔ Voter ID
✔ Driving License
✔ Birth Certificate
Address Proof
✔ Passport
✔ Utility Bills (Electricity, Water, Gas – recent)
✔ Rental Agreement
Income Proof
✔ Income Tax Returns (ITR)
✔ Form 16
Previous Medical Reports (If any)
KYC Documents
✔ PAN Card (for financial verification)
✔ Aadhaar Card (for identity and address verification)
✔ Photograph and bank details (optional)
How Much Premium Do I Need for a ₹1 Crore Health Insurance Plan?
A ₹1 crore health insurance plan offers extensive financial protection for major medical treatments and emergencies. The premium amount depends on factors like age, location, health condition, and policy features.
Below is the starting annual premium for a ₹1 crore sum insured under Digit’s Infinity Wallet Plan, categorised by age group:
Note: The premium amounts listed above are indicative and based on publicly available data for Digit's Infinity Wallet Plan with ₹1 crore sum insured. Actual premiums may vary depending on the applicant's age, location, medical history, lifestyle habits, and chosen add-ons.
Tax Benefits of Buying 1 Crore Health Insurance
Here are the tax benefits of buying a 1 crore health insurance plan:
- Deduction under Section 80D up to ₹25,000 for self, spouse, and children (₹50,000 if above 60).
- Extra deduction for parents' cover is ₹25,000 if below 60, ₹50,000 if a senior citizen.
- Up to ₹5,000 is allowed for preventive health checkups within the total limit.
- Maximum deduction is ₹75,000 if you are below 60 and your parents are senior citizens.
- Premium must be paid by cheque, online, or digital mode (cash not eligible).
Healthcare costs for major surgeries, cancer treatments, and advanced procedures can easily cross ₹20 - 30 lakh in India’s top hospitals. A ₹1 crore health insurance plan offers a strong financial cushion against such high expenses, ensuring you don’t compromise on quality care due to cost.
While premiums for ₹1 crore coverage are higher than standard plans, the peace of mind and protection it provides during critical illnesses or prolonged treatments is unmatched. If you want maximum security for yourself and your family, investing in a ₹1 crore health insurance plan is a smart choice for long-term health and financial stability.
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FAQ About 1 Crore Health Insurance
Senior Marketing Associate
Srishti is a skilled content writer with 4+ years of experience in the insurance world. She simplifies tricky terms, explains policies clearly, and writes content that instantly connects with customers. Her skills make insurance easy to understand and truly helpful for everyone.
Chief Marketing Officer
Vivek comes with over 15 years of experience across different industries like FMCG, e-commerce and insurance. His expertise in the online space and consumer behaviour understanding is bringing new insights to Digit in making insurance simple.