Term Insurance AWARD WINNING

Investment Plans

NRI Plans

All Plans

Customer Service

Calculators

Fund Performance

2 Lakh Health Insurance

2 lakh health insurance is a medical cover that pays healthcare expenses up to ₹2 lakh in a policy year. It is important because medical costs are... Read more rising, and even basic hospital treatment can be expensive. This plan helps manage medical bills without disturbing savings. It helps first-time buyers or those with limited healthcare needs. A suitable plan can also support an existing policy when you need additional coverage. Read less

2 lakh health insurance is a medical cover that pays healthcare expenses up to... Read more ₹2 lakh in a policy year. It is important because medical costs are rising, and even basic hospital treatment can be expensive. This plan helps manage medical bills without disturbing savings. It helps first-time buyers or those with limited healthcare needs. A suitable plan can also support an existing policy when you need additional coverage. Read less

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

2 Lakh 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.

Calculate
Premium

Meet
an Advisor

Calculate health insurance premium with 0% GST

Full name (First and last)

Date of birth

Are you an NRI?

Yes

Gender

Male

Female

Do you smoke?

Yes

Email ID

Calculate
Premium

Meet
an Advisor

What is 2 lakh health insurance?

A 2 lakh health insurance policy provides medical coverage up to ₹2 lakh. This amount is called the sum insured. The policy covers eligible healthcare expenses as defined in the policy terms.

In simple terms, if you are hospitalised due to illness or injury, the insurer pays the approved expenses. The payment can be cashless or through reimbursement. Many people use health insurance for 2 lakh as a basic or backup cover.

Benefits of ₹2 lakh health insurance

The key benefits of a 2 lakh health plan are:

Affordable entry-level Health Insurance

A 2 lakh health plan usually comes with a low premium. This makes Health Insurance easier to afford, especially for young adults and first-time buyers.

Covers essential hospital expenses

Health insurance for 2 lakh can cover room rent, doctor fees, medicines, and tests during hospitalisation. For common treatments, this cover can reduce financial stress.

Works well with existing Health Insurance

Many people opt for a 2 lakh medical insurance plan along with employer-provided Health Insurance. In practice, it helps when corporate cover is limited or ends.

Offers tax benefits

Premiums paid for health insurance may qualify for tax⁴ deductions under Section 80D, as per current tax laws.

Easy to understand and manage

These plans usually have simple features and clear terms. This makes them suitable for people new to health insurance.

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

Calculate Premium

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.

Need for 2 lakh health insurance

A 2 lakh health insurance policy can help you with the following things:

Rising healthcare costs

Medical expenses are increasing every year. A health plan for 2 lakh helps cover a major part of these costs.

Financial support during emergencies

Medical emergencies can occur suddenly. The best 2 lakh health insurance policy provides financial support when it is most needed.

Suitable for low-risk individuals

Young and healthy individuals often find this cover sufficient. It balances protection and premium costs.

Helps build long-term coverage

Buying health insurance early helps complete waiting periods. This makes upgrading easier in the future.

What’s not covered under a 2 lakh health insurance plan?

This type of plan usually doesn’t cover the listed things:

Pre-existing diseases during waiting period

Most policies do not cover pre-existing conditions until the waiting period ends.

Cosmetic and elective treatments

Procedures done for appearance improvement are usually excluded unless medically required.

Self-medication expenses

Treatments taken without a doctor’s prescription are not covered.

Limited alternative therapy coverage

Alternative treatments are covered only if mentioned in the policy.

OPD expenses

Doctor consultations outside hospitalisation are generally not covered.

Consumables beyond limits

Items like gloves or masks may have limits or exclusions.

Treatments under initial waiting period

Certain illnesses are not covered during the initial policy period.

Expenses beyond ₹2 lakh

Any cost above the sum insured must be paid by the policyholder.

Steps to buying a 2 lakh health insurance plan online

Below are the steps to buy 2 lakh health plan online:

Understand your coverage needs:
Check if a 2 lakh medical insurance plan suits your age and health needs.
Compare different plans:
Review benefits, exclusions, and claim process before choosing the best 2 lakh health insurance.
Share accurate details:
Provide correct personal and medical information while applying.
Read policy terms carefully:
Check coverage limits, exclusions, and waiting periods before finalising.
Complete payment and get policy:
After payment, the policy document is issued online for easy access.

Eligibility criteria to buy a 2 lakh health insurance policy

Eligibility mainly depends on age and health conditions. Most insurers allow adults to buy the policy within defined age limits. Children can be covered under family floater plans. Medical tests may be required in some cases.

Factors which can affect the 2 lakh health insurance premium

Consider the following factors that can affect the 2 lakh health insurance premiums:

Age of the insured

Premiums increase as age increases.

Health condition

Existing medical conditions can raise the premium.

Type of policy

Individual and family floater plans have different pricing.

Add-on benefits

Optional riders⁵ increase the premium amount.

City of residence

Healthcare costs vary by location and affect pricing.

Documents required to buy 2 lakh health insurance

2 lakh health insurance policy generally requires following documents:

Identity proof

Address proof

Age proof

Passport-size photographs

Medical reports, if required

Conclusion

A 2 lakh health insurance policy offers basic medical protection at an affordable cost. It suits first-time buyers, young individuals, and those looking for additional coverage. While it has limits, it helps manage hospital expenses and reduces financial pressure during medical emergencies. With clear terms and easy access, it remains a practical health insurance option today.

How much does 2 lakh medical insurance cost?

The cost depends on age, health condition, and policy features. For young and healthy individuals, premiums are usually low.

Do ₹2 lakh health insurance policies offer much coverage?

They provide basic coverage for common treatments and short hospital stays.

At what age can you buy a 2 lakhs health plan?

Most insurers allow purchase from early adulthood. Children can be included under family plans.

Do you get tax exemption with ₹2 lakh health insurance policies?

Yes, premiums may qualify for tax⁴ benefits under Section 80D, as per tax rules.

What is the grace period on a 2 lakh health insurance plan?

The grace period is usually 15 to 30 days after the premium due date.

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/1873