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1 Crore Health Insurance

A 1 crore health insurance plan is a medical cover to pay for healthcare expenses up to 1 cr. As healthcare costs rise, the extensive coverage... Read more ensures financial protection during medical emergencies. A suitable plan provides access to the latest medical technology and good healthcare facilities. It acts as a safety net for you and your family. Read less

A 1 crore health insurance plan is a medical cover to pay for healthcare expenses... Read more up to 1 cr. As healthcare costs rise, the extensive coverage ensures financial protection during medical emergencies. A suitable plan provides access to the latest medical technology and good healthcare facilities. It acts as a safety net for you and your family. Read less

In this policy, the investment risk in investment portfolio is borne by the policyholder

1 Crore Health Insurance

57 Critical Illnesses Covered Including Brain Surgery and Cancer

Build Your Own Health Fund with 21.54% Returns (Benchmark: 14.86%)¹

Hospitalization Cover upto ₹40,000 on ICU Admisison²

The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.

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Full name (First and last)

Date of birth

Are you an NRI?

Yes

Gender

Male

Female

Do you smoke?

Yes

Email ID

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What is 1 crore health insurance?

A 1 crore health insurance is an insurance plan with a ₹1 crore cover to pay for medical expenses. This insurance plan helps cover medical treatments like organ transplant and robotic surgery. This means that you are covered for expensive healthcare services as well. The plan helps ease the burden and cover your medical bills.

How does the 1 crore health insurance plan work

A 1 cr health insurance plan works like other policies, but it has a larger limit. The insurer offers a ₹1 crore coverage with payment of the yearly fee. In the case of a medical claim, the insurance company pays your hospital bills up to the full plan amount. They can pay the hospital directly or refund you the money later.

A "restoration" or "refill" benefit, which instantly restores the ₹1 crore limit if it is spent by one claim. This is another characteristic of most 1 cr health insurance plans. This feature offers protection for later, unrelated diseases within the same policy year.

Our best selling health insurance plans

Combination composition

Tata AIA Pro-Fit comprises of Tata AIA Health Pro, A Non-Participating, Unit-linked, Individual Health Insurance Plan (UIN: 110L180V01), Tata AIA Health Secure, A Non- Participating, Unit Linked, Individual Health rider (UIN: 110A050V01) & Tata AIA Health Buddy, Non-participating, Non-Linked Individual Health Product (UIN:110N183V01).Tata AIA Health Pro and Health Buddy are also available for sale individually.

Tata AIA

Pro-Fit

Get payment on diagnosis of any covered 57 critical illnesses
Avail cashless claim service
Build Your Own Health Fund with 21.54% Returns (Benchmarck: 14.86%)¹

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Why do you need 1 crore health insurance

1 cr health insurance coverage means that after 10 years, you’ll still be able to finance healthcare care without risking your financial well-being.

Medical inflation

Changes as the growing expenses of private medical treatment.

Advanced treatments

Includes latest medical technology and robotic surgery.

Savings protection

Keep your life savings from completely disappearing by a single sickness.

Eligibility criteria to buy a ₹1 crore health insurance policy

For the 1 crore health insurance plan, applicants must have a certain age and health requirements.

Age bracket

Usually open to people between the ages of 18 and 65

Health disclosure

Rules require that existing conditions be clearly stated.

Financial stability

For best plans, certain insurers may check income.

Features of a ₹1 Crore health insurance plan

The total cost of your health insurance coverage is affected by several factors.

Complete in-patient treatment:
These plans pay for all costs during a hospital stay of more than 24 hours, including ICU and doctor fees. There is often no limit on how much the insurance will pay for your hospitalisation.
Coverage before and after hospitalisation:
This plan pays for medical costs like tests and medicine for 60 days before you enter the hospital. It also covers your follow-up care and drugs for 180 days after you are sent home.
Options for worldwide coverage:
Many good plans provide worldwide coverage. This enables policyholders to get treatment for serious illnesses at foreign hospitals.

Features and benefits of Tata AIA health insurance

The specific procedures covered and the limits on these benefits can vary depending on your chosen health plan.

Critical Illness Cover

Benefit payout upon diagnosis of any of the 57 critical illnesses including Brain Surgery, Alzheimer’s Disease or Cancer of Specified Severity.

Premium Lock‑in

Some health insurance plans offer a premium lock‑in feature. It allows policyholders to keep their premium amount unchanged for a specified duration. You pay the same premium unless you opt for additional benefits or the tax4 laws change. This ensures cost stability throughout the lock‑in period.

Accidental Total & Partial Permanent Disability (ATPPD)

With the ATPPD benefit, your protection adapts to your new reality—providing the financial strength you need to recover, rebuild, and move forward with confidence. Depending on the severity of the disability and your chosen payout option, you can receive up to 100% of the Insured Amount, if the disability occurs within 180 days of the accident.

Coverage for surgeries

At Tata AIA, you can benefit from 133 listed surgeries and unlimited non-listed surgeries, such as operations on blood vessels, bones, muscles, joints, breasts, etc. A payout ranging from 25 - 100% is provided on surgical procedures.

Coverage for day-care procedures

Coverage for day-care procedures that require less than 24 hours of hospitalisation is offered under health plans. With our health insurance plans, you can expect benefit payouts for 136 listed and unlimited non-listed day-care surgeries. These include procedures such as nasal surgeries (including excision of diseased tissue and sinus aspiration), salivary gland surgeries (including incision and duct procedures), and tonsil and adenoid operations—among many others.

Coverage for pre-existing illnesses

Health insurance plans also offer coverage for pre-existing illnesses, albeit after a certain waiting period. Therefore, you should always inform your insurer of any pre-existing illnesses before a policy purchase to ensure you are covered post-waiting period.

Hospital cover

You can also get daily cash benefits to pay for your hospitalisation expenses when you buy health insurance. Our Tata AIA Pro-Fit Plan provides a daily cash benefit of up to ₹40,000 on hospitalisation and up to ₹80,000 on ICU admission.

Fixed benefit payout

Health insurance can also help cover pre- and post-hospitalisation expenses. Our Tata AIA Pro-Fit offers a fixed benefit payout that can cover pre- and post-hospitalisation and additional benefits like diagnostic expenses. This means it will cover medical expenses incurred for an illness before being hospitalised and medical expenses after getting discharged.

These expenses are usually covered up to a fixed number of days under each policy, so always check your policy terms or ask your insurer to ensure you get adequate coverage.

Cashless claims and reimbursement claims

You can claim the benefits of health insurance based on your necessity and convenience. We offer a cashless claim option for treatments where we can pay the hospital directly (subject to policy conditions) and the reimbursement claims option where you can get treated and pay for the same. Also, we will reimburse you for the payments later.

Comprehensive benefits

With health plans from life insurance providers, in addition to the life cover and health cover, you can also benefit from market-linked returns³ at maturity for accumulating health funds to secure funds for your financial future and health emergencies.

Life Insurance benefits

In addition to health coverage, you will also get life insurance coverage to secure your family in the event of your unexpected demise.

Who can buy a 1 Cr. health insurance policy

One crore health insurance can be the top priority for city residents and single individuals.

Corporate Professionals:
Suitable for people with limited employer insurance.
Families:
You can secure your family members and ensure the financial stability.
HNIs:
High-net-worth individuals often protect large assets.

Steps to buying a ₹1 crore medical insurance plan online

Buying a 1 crore insurance plan online is simple and helps you clearly understand what you are choosing.

Step 1

First, decide if you need a plan for yourself or your whole family, and then select riders5 for accident or serious illness protection.

Step 2

Use online portals to compare different 1 cr health insurance plans and pay attention to all the details.

Step 3

Enter your location, age, and personal information into the insurer's site.

Step 4

Thoroughly review the premium and the policy documents and check what is not covered.

Step 5

To finish the purchase, give the necessary KYC documents and then continue to a secure payment.

Step 6

If the insurance company asks, complete your health check or talk to a doctor online to finish getting your plan. This helps them approve your high-value coverage.

How to claim 1 crore health insurance?

The patient's urgent medical care is given priority in the well-planned claim process.

Notification:
As soon as you are admitted to the hospital, contact your insurer.
Cashless approval:
For direct payment, use the (Third Party Administrator) TPA desk at network hospitals.
Submission of documents:
Send bills and reports of discharge for refund.

Documents required to buy 1 crore medical insurance

To start a 1 cr health insurance policy, standard KYC and medical data are required.

Identity proof: Aadhaar cards, PAN cards, or passports are examples of.

Income records: ITRs or pay slips for the purpose of verifying high-sum insurance.

Medical reports: Pre-policy examination results, upon request.

Factors that determine the 1 crore health insurance premium

The total cost of health insurance is determined by several factors:

Present age

Generally speaking, younger applicants pay much cheaper premiums.

Medical history

Smoking or long-term illnesses can raise expenses.

City of residence

The premium calculation may be affected by location-based medical expenses.

Conclusion

The first step toward complete financial safety is to get the best 1 crore health insurance policy. A good policy suggests that your life savings are unaffected in an emergency in a time of high medical bills and unexpected emergencies. You can take advantage of reduced premiums and complete long-term protection by making a 1 cr health insurance policy a plan early in life.

How much does 1 crore medical insurance cost?

Premiums can be between 8000 to 12000 annually for young people.

Are there tax benefits available on a 1 crore health insurance policy?

Yes, premiums are deductible under Section 80D of the Income Tax⁴ Act.

How to Calculate Premium for 1 Crore Health Insurance?

Based on your age, you can get an estimate from an online premium calculator.

Is 1 crore health insurance suitable for families or individuals?

Both benefit from it, particularly as an affordable family floater.

What is the age limit for 1 crore health insurance?

Many insurance policies offer lifetime flexibility; the average entrance age is 65.

The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
Tata AIA Pro-Fit comprises of Tata AIA Health Pro, A Non-Participating, Unit-linked, Individual Health Insurance Plan (UIN: 110L180V01), Tata AIA Health Secure, A Non- Participating, Unit Linked, Individual Health rider (UIN: 110A050V01) & Tata AIA Health Buddy Non-Participating, Non-Linked Individual Health Product (UIN: 110N183V01) Tata AIA Smart Health Pro and Tata AIA Health Buddy are also available for sale individually.
Tata AIA Health Buddy Plan – Non-Participating, Non-Linked Individual Health Product (UIN: 110N183V01)
Tata AIA Health SIP (UIN:110L184V01) - Non-participating, Unit Linked, Individual Health Insurance Plan
These products are also available for sale individually without the combination offered/ suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.
¹5-year computed NAV for Multi Cap Fund as of December 2025. Other funds are also available. Benchmark of this fund is S&P BSE 200.
²Get daily cash benefit of up to ₹20,000 on hospitalization & Up to ₹40,000 on ICU admission
³Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
⁴Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
⁵Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums, and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/Intermediary/ branch.
No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder.
Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Health Pro is only the name of the Unit Linked health Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
The fund is managed by Tata AIA Life Insurance Company Ltd.
For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
Please make your own independent decision after consulting your financial or other professional advisor.
Unit Linked Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
Premium paid in the Unit Linked Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
Insurance cover is available under the product.
The products are underwritten by Tata AIA Life Insurance Company Ltd.
The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
All Premiums are subject to applicable taxes, cesses & levies which will entirely be borne by the Policyholder and will always be paid by the Policyholder along with the payment of Premium. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder. Alternatively, Tata AIA Life Insurance Company Limited has the right to deduct the amount from the benefits payable by Us under the Policy.
Auto debit discount is applicable for Payments made through any electronic mode through an auto debit mandate for 1st-year instalment.
Risk cover commences along with policy commencement for all lives, including minor lives.
Buying a Health Insurance Policy is a long-term commitment. An early termination of the Policy usually involves high costs, and the Surrender Value payable may be less than the all the Premiums Paid.
In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
Discount on policy will be subject to sales literature and policy contract.
L&C/Advt/2026/Mar/1871