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Last updated on: August 7, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Read BioBajaj Allianz Health Insurance Supreme Care Policy is a complete health insurance cover that is meant to cover both basic and advanced health care requirements of individuals and families in India. This policy is broad-based in terms of hospitalization, day care procedures and other healthcare benefits and therefore appropriate to the customers seeking an all-round protection in 2025 and beyond.
The Bajaj Allianz Supreme Care Policy is designed in a flexible manner with flexible insured sums, cashless hospitalisation and covers the latest treatment options. It is particularly applicable to the urban Indian family, young professionals and senior citizens who require dependable coverage in the present healthcare context.
This particular policy is featured because of its large sum insured options that can vary between Rs 10 lakh to Rs 2 crore and is therefore appealing to those who seek a strong health insurance backup. It offers an easy access to a large network of hospitals to avail cashless hospitalization and has cover on latest surgeries such as robotic surgeries, and even organ donor costs.
Individuals are becoming more worried about the increased cost of medical care particularly in critical illnesses and lifestyle diseases. Bajaj Allianz Supreme Care is a direct response to this with its higher cover and new add-ons.
Did You Know? By 2025, more than 35 percent of urban hospitalizations in India will be funded by private health insurance, a significant increase relative to ten years ago.
| Feature | Supreme Care Policy (Standard) | Industry Average (Similar Category) |
|---|---|---|
| Sum Insured Range | 10 lakh - 2 crore | 5 lakh - 1 crore |
| Network Hospitals | 8000 plus | 6000 - 7000 |
| Pre/Post Hospitalisation | 60/180 days | 30/60 days |
| Room Rent Capping | No Limit | Some limit |
| Modern Treatments | Yes | Optional (Usually Add-on) |
| Restoration Benefit | Yes, 100 percent | Partial Restoration (up to 50%) |
These are the main inclusions:
Pros
Cons
Professional Advice: The financial advisors usually suggest high sum insured plans such as Supreme Care to the working couples and urban families to protect against inflation in healthcare costs between 2025-2030.
Q. Is it possible to purchase Supreme Care policy to cover my whole family?
Yes it is in the form of individual and floater family health insurance policy.
Q. Does this policy cover preexisting conditions?
Waiting period is 24 to 36 months depending on condition after which coverage is available.
Q. Do dental treatments fall under the cover?
Non-surgical dental treatments are not covered except in case of accidental injuries.
Take the example of Meera, a 39 year old IT manager in Bengaluru. In 2024 she had gallstones that necessitated laparoscopic surgery. Since she had selected a high sum insured, her cashless surgery and post-surgery medicines were paid off by her Supreme Care policy. With a simple scheme, she would have paid more than Rs 1 lakh out of pocket to upgrade the hospital rooms. Her premium was affordable and therefore she, and her family were not financially stressed during treatment.
In making the decision on the amount of coverage, consider:
Compare Supreme Care to other top health plans in India by looking at online insurance marketplaces. This is so that you can compare features, inclusions and prices all at once before you purchase.
Did You Know? By 2025, most urban Indian families will want floater health plans with at least Rs 10 lakh sum insured compared to Rs 5 lakh pre-pandemic.
| Feature | Supreme Care | Standard Plan (Industry) |
|---|---|---|
| Sum Insured (max) | 2 crore | 25 lakh |
| Pre-Post Hospital Care | 60 180 days | 30 60 days |
| AYUSH Coverage | Yes | Optional |
| Restoration Benefit | 100 percent | Partial or Nil |
| OPD Dental Vision | Add-on | Not Covered |
Premium varies by age, location, sum insured, add-ons (such as maternity or critical illness rider), and health history.
Q. Is it possible to pay Bajaj Allianz health insurance premium on monthly basis?
The payment modes available in Supreme Care are quarterly, half-yearly and annual. Through some of its digital partners, EMI can be done on a monthly basis.
Q. Does it have a co-pay or a deductible?
Plans are either with or without co-payment. You will be able to select a co-pay to reduce annual premium.
Expert Tip: You should use the customer portal of the insurer to upload documents and make renewal hassle free, especially in case of floating family covers.
Bajaj Allianz has been one of the leading health insurers in terms of customer service.
| Claim Settlement Ratio of Insurer | |
|---|---|
| Bajaj Allianz | 98.8 percent |
| Industry Average | 93-95 percent |
Public IRDAI annual reports 2025
Q. What would happen in the event that my claim is rejected?
Insurer gives you a written reason and you can appeal using further documents or go to the insurance ombudsman.
Q. Do pre-existing conditions claims get approved?
Yes, upon the end of the mentioned waiting period and according to the policy terms.
Supreme Care policy allows you to supplement the coverage with such add-ons as:
You can optimise your policy by selecting the relevant add-ons to special needs or family planning.
Did You Know? The share of health insurance add-ons in 2025 is more than 20 percent of the total premium sales in Bajaj Allianz.
Now it is easier than before to apply to Bajaj Allianz Supreme Care Policy:
The policy is general but there are some general exclusions:
The detailed list of exclusions is in the full policy wording.
Q. Does Supreme Care cover psychiatric or mental health cover?
In most variants, the medically necessary psychiatric treatment is covered to policy limits as per IRDAI 2022 circular.
| Parameter | Supreme Care | Star Comprehensive | HDFC Optima Restore |
|---|---|---|---|
| Max Sum Insured | 2 crore | 1 crore | 50 lakh |
| Network Hospitals | 8000 plus | 13000 | 12000 |
| Restore Benefit | Yes | Yes (Partial) | Yes (Annual only) |
| AYUSH Coverage | Yes | Yes | No |
| Room Rent Capping | No | Some plans | Some plans |
| Annual Premium (Family) | Rs 22,000 | Rs 24,000 | Rs 23,000 |
In case of a family of 2A 2C, aged 35, Rs 15 lakh
Bajaj Allianz Supreme Care is a high benefit health insurance plan that has cashless network, no room rent limit, high sum insured and contemporary treatment covers. It is ideal to urban salaried, professionals and families who require all round protection. Always shop around on a secure online insurance marketplace to compare several plans and find the best fit and price.
Q1. Which are the ailments and remedies covered in Bajaj Allianz Supreme Care Policy?
The policy includes hospitalisation, surgeries, ICU care, day care procedures, modern treatment, AYUSH and optional maternity or critical illness with add-ons.
Q2. Does Supreme Care outweigh the basic health plan?
Supreme Care is more complete, has high sum insured, more features and flexibility as compared to basic or entry-level plans.
Q3. How can I download Bajaj Allianz supreme care policy certificate?
Visit the Bajaj Allianz customer portal, log in, enter your policy information and download your e-policy certificate.
Q4. What do I need to look at prior to purchasing this policy online?
Before buying, compare sum insured, waiting periods, premium, hospital network, sublimits, add-on options.
Q5. May I purchase to parents or elderly people?
Yes, Supreme Care may be purchased by parents or as a stand-alone plan to senior citizens with medical screening.
Q6. Where do I get to compare Supreme Care policy with other leading health insurance products?
Compare features, sum insured and premium offers of various companies by directly comparing the offers using credible online insurance marketplaces before making the decision.
Pro Tip: Purchase at an earlier age to get lower premiums and full sum insured without loading of pre-existing diseases.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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