Скачать или смотреть Health Insurance: Rs.1 Crore vs Rs.10 Lakh - Which Is Better? || Medical Inflation 14%

💡Purpose of Video:-
Many believe ₹10 lakh health insurance is enough, but with rising medical costs, major treatments like cancer, heart surgery, and transplants can cost ₹20–50 lakh. This video explains why ₹1 crore sum insured is a smarter choice.

📌 Why ₹10 Lakh May Not Be Enough
A ₹10 lakh policy can cover basic hospital expenses, but for critical illnesses like cancer or organ transplants, medical bills can easily exceed ₹20–30 lakh. In such cases, you’ll have to pay the remaining amount from your savings.

A ₹1 crore policy, on the other hand, ensures full coverage for expensive treatments, ICU charges, and even international medical care in some plans, removing financial stress completely.

📌 Pros & Cons
✅ ₹10 Lakh Policy:

Lower premiums
Suitable for minor treatments
❌ Insufficient for major illnesses
❌ Risk of high out-of-pocket expenses
✅ ₹1 Crore Policy:

Covers expensive treatments stress-free
Access to top hospitals & international treatment
❌ Slightly higher premium but worth it for full protection
📌 Common Myths About High Sum Insured
🚫 "₹10 lakh is enough for a family floater."
👉 Reality: One major treatment can exhaust the sum, leaving no coverage for others.

🚫 "₹1 crore insurance is too expensive."
👉 Reality: Many insurers offer affordable options with discounts .

🚫 "I’m healthy, I don’t need high coverage."
👉 Reality: Medical emergencies are unpredictable, and costs are rising.

📌 Final Takeaway
₹10 lakh is not enough for critical treatments.
₹1 crore policy provides complete peace of mind.

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🚨 Important Points:-

✅ This video is for awareness and knowledge-sharing—not a solicitation or endorsement of any specific insurer.
✅ Viewers should always consult a licensed insurance advisor or refer to official policy documents before making any decisions.
✅ Insurance benefits, claim processes, waiting periods, and portability rules vary across policies—reading the fine print is essential.

At Transforming 360, our mission is to simplify insurance and empower you with the right knowledge so you can make informed decisions. Your financial security is in your hands—choose wisely!

🔹 Stay Informed. Stay Protected. Stay Insured. 🔹
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🔹 Disclaimer – Transforming 360 🔹
The information shared in this video is for educational and informational purposes only and should not be considered financial, legal, or insurance advice. While we provide insights based on extensive industry experience, insurance policies, terms, and conditions differ across insurers and are subject to change.