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What is Unlimited Sum Insured in Health Insurance?
Unlimited sum insured in health insurance, as the name suggests, refers to mediclaim policies that come with unlimited coverage for medical expenses. It means that with this health insurance plan, the insured can raise a claim for a medical treatment without any capping on the sum insured. However, the policyholder can avail of this benefit only once in a lifetime in most plans, while some plans offer a continued benefit until the policy coverage ends.
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- What is Unlimited Sum Insured in Health Insurance?
Benefits of Unlimited Sum Insured Health Insurance
An unlimited sum insured plan covers the entire cost of medical treatment, unlike standard health insurance policies, where the insurer pays or reimburses only a fixed amount. This allows the insured to reduce their financial stress in the event of a medical emergency or major medical treatment.
Some of the major benefits of an unlimited sum insured health insurance plan are as follows:
- Financial Protection: It provides comprehensive financial protection by removing the concern of exhausting the coverage amount during a medical treatment.
- Quality Medical Services: It allows the insured to receive medical treatment at top, high-value hospitals without worrying about medical expenses.
- Peace of Mind: It eases the financial burden for the insured during medical emergencies, providing them with peace of mind.
Health Insurance Plans With an Unlimited Sum Insured
Here is a list of unlimited sum insured health insurance plans in India:
- Care Supreme Plan
- Future Generali Health Unlimited Plan
- ICICI Lombard Elevate Plan
- ManipalCigna Sarvah Uttam Plan
- Niva Bupa Reassure 3.0 Plan
- Star Super Star Plan
- Tata AIG Medicare Select Plan
Is the Unlimited Sum Insured Health Insurance Plan Truly 'Unlimited'?
One must remember that 'unlimited' does not always mean limitless or without any conditions. A health insurance plan may offer an unlimited sum insured benefit, but it may still include clauses such as co-payment, sub-limits, waiting periods, and exclusions. Hence, one must read the policy wording carefully and weigh all the pros and cons before buying an unlimited medical policy.
Who Should Opt for an Unlimited Health Insurance?
A health insurance plan with an unlimited sum insured is ideal for:
- People who have major pre-existing diseases
- People with elderly parents requiring continuous medical care
- People with a critical family medical history
- People who wish to get medical treatment at high-value private hospitals
- People who have specific reasons to believe they may incur high medical treatment costs
- People who wish to add an extra layer of financial security in times of medical emergencies
Things to Keep in Mind When Selecting an Unlimited Sum Insured Health Plan
Here are a few important things to remember when buying an unlimited coverage health insurance in India:
- Some health insurance plans offer unlimited sum insured as a policy benefit, while others provide it as an optional cover (for example, ManipalCigna Sarvah Uttam plan and Tata AIG Medicare Select plan) or add-on cover (for example, HDFC ERGO Limitless add-on).
- In most unlimited sum insured health plans, the benefit is available only once in a lifetime and ceases once the insured raises a health insurance claim. However, in a few plans, the unlimited sum insured amount is available for the entire policy duration.
- An unlimited claim amount is available for any medical treatment in most plans. However, some plans offer unlimited coverage only for specific diseases (for example, ManipalCigna Sarvah Uttam plan).
- It is a relatively newer healthcare product offered by only a few health insurance companies in India. Hence, most health plans with unlimited sum insured have a relatively higher premium than standard policies.
- Unlimited sum insured health insurance plans also have exclusions and do not cover all medical treatments.
- Not all plans are truly 'unlimited' and may have waiting periods, capping, co-payment and sub-limits.
Health Insurance of 1 Crore vs Unlimited Sum Insured: Which is Better?
It is not an unknown fact that mediclaim policies are crucial to manage financial burdens during both planned and unplanned medical treatments. Health policies are now offered with different sum insured, even as high as ₹1 crore or higher. However, an unlimited sum insured health insurance plan differs from a high sum insured one. It comes without any capping on the sum insured, allowing the policyholder to get reimbursed for the actual medical expenses incurred.
Which is better for you – a high sum insured policy or an unlimited coverage health insurance? The answer depends on your individual profile and health risks. If you have a high-risk profile or have a pre-existing condition that requires medical attention, an unlimited health insurance plan may be a better option. However, a standard medical policy with a high sum insured may be the right option if you have low health risks and do not require continuous medical care.
FAQs
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Q. Is unlimited health insurance good?
Ans: An unlimited sum insured health insurance plan is ideal for individuals with high health risks or pre-existing conditions. If you require continuous major medical treatment, choosing a health plan with an unlimited sum insured can be a good option as it covers medical treatment costs without any capping, allowing you to stay financially worry-free. -
Q. What does "unlimited" mean in insurance?
Ans: ‘Unlimited’ in health insurance means no capping on the maximum payable amount. This unlimited amount can be for a specific coverage or for the total sum insured. However, it does not mean that it comes with no restrictions. The ‘unlimited’ amount may be subject to sub-limits, exclusions, waiting periods, co-payments and other terms & conditions. -
Q. What is an unlimited recharge in health insurance?
Ans: Unlimited recharge in health insurance means that your sum insured is refilled after every claim during a policy year. It is to be noted that the unlimited recharge of the sum insured is different from plans with unlimited sum insured. The major difference is that unlimited sum insured plans do not have any maximum total payable amount, while unlimited recharge means that the amount is restored to the original sum insured unlimited times.
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
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