Unlimited Single Claim: Health First, Limits Last

When it comes to medical expenses, one serious illness or surgery can wipe out an entire health insurance cover — leaving you and your family exposed to high out-of-pocket costs. This is where the Unlimited Single Claim feature comes in.

Offered under select high-value or advanced health insurance plans, Unlimited Single Claim allows you to claim a large amount — even beyond your base sum insured — for a single medical event, without worrying about policy limits. Whether it’s a cancer treatment, heart surgery, or organ transplant, this feature ensures you get complete financial support in one uninterrupted claim, covering the full cost of treatment.

An Unlimited Single Claim benefit allows you to claim a very high or no-limit amount for a single hospitalization or treatment, even if the cost far exceeds your base sum insured.

Unlike traditional policies that restrict claims to the sum insured (e.g., ₹5 lakh or ₹10 lakh), this benefit offers unlimited or extremely high cover for one medical event, such as:
Cancer treatment ; Organ transplant ; Cardiac surgery ; Brain surgery ; Major accident recovery ; Bone marrow transplant etc.

Unlimited Single Claim means that your insurance company will pay the full cost of a single large treatment, even if it goes beyond your basic sum insured — as long as the treatment falls under the policy’s covered conditions.

Scenario : Mr. Kunjbihari have a Individual Insurance Policy of sum insured 10 lakh and he was diagnosed with a critical illness like cancer, and full treatment (including chemotherapy, surgery, and hospitalization) costs ₹70 lakh.
What Happens Next – 1. Kunjbihari Informs Insurance Company and Submits Documents (pre – authorization)
2. The insurer verifies if the illness qualifies for unlimited single claim.
3. Once approved, the insurer will pay the entire ₹70 lakh, even though his base coverage is only ₹10 lakh.
4. Kunjbihari do not need restoration or extra top-up — the entire claim is paid as one complete claim.

• No Worry About Limit : You don’t have to worry about how much coverage is left — the entire cost is paid in one go.
• Full Coverage for Big Treatments : Even if your treatment costs more than your sum insured, the full amount is covered.
• No Need for Restoration : You don’t need to rely on sum insured restoration — one claim is enough.
• Helpful in Long-Term or Recurring Treatments : Useful if treatment takes months or requires multiple hospital visits under one claim.
• Reduces Out-of-Pocket Expenses : You don’t need to pay from your pocket even for large hospital bills.
• Great for Critical Illnesses : Covers expensive treatments like cancer, heart surgery, or organ transplant without extra cost.