Q1. Is a pre-policy medical check-up required to buy a Magma HDI OneHealth Insurance policy?

Ans: You may be required to undergo a pre-policy medical check-up to buy the Magma HDI OneHealth Insurance policy depending on your age, sum insured and medical history.

Q2. Do sub-limits apply to the Magma HDI OneHealth Insurance policy?

Ans: Yes. Sub-limits apply to the in-patient hospitalization and psychiatric treatment covers available under the Magma HDI OneHealth Insurance policy.

Q3. Can I raise a claim for an OPD consultation after 1 week of buying a Magma HDI OneHealth Insurance policy?

Ans: No. You can raise a claim for OPD treatments only after 30 days of buying a Magma HDI OneHealth Insurance policy.

Q4. Where can I check the premium of the Magma HDI OneHealth Insurance policy?

Ans: You can look at the Magma Health Insurance premium chart to know the premium of your OneHealth Insurance policy.

Q5. Can I pay the Magma HDI OneHealth Insurance policy premium in instalments?

Ans: Yes, you can pay the premium of your Magma HDI OneHealth Insurance policy in monthly, quarterly and half-yearly instalments.

Q6. Where can I get the cashless hospital list under the Magma HDI OneHealth Insurance policy?

Ans: You can get the Magma HDI General Insurance hospital list for cashless treatment on the website of the insurance company.

Magma HDI OneHealth Insurance Plan: Buy/Renew Policy Online

Magma HDI OneHealth Insurance Plan

Magma HDI OneHealth Insurance is a comprehensive medical insurance plan that covers individuals and families against diseases and accidents. It covers the cost of in-patient hospitalization, OPD treatment, home treatment, ambulance charges along with maternity expenses. The plan also offers benefits like LASIK surgery cover, IVF treatment cover, psychiatric treatment cover, loss of income benefit, worldwide emergency hospitalization and HIV/AIDS cover.

Categories	Specifications
Sum Insured	Rs 2 lakh to Rs 1 crore
Policy Tenure	1 year, 2 years, 3 years
Network Hospitals	7200+
Incurred Claim Ratio (2020-21)	62.70%
Pre-existing Diseases Waiting Period	2 year/ 3 years/ 4 years
Discount	Up to 12.5% multi-year policy discount 5% cross-sell discount 10% direct sourcing discount
Co-payment	20% for people above 60 years Up to 35% if the insured is hospitalized in a higher zone

Benefits of Magma HDI OneHealth Insurance Plan

The Magma HDI OneHealth Insurance plan comes with the following attractive benefits:

1. Recharge of Sum Insured

If the sum insured is insufficient for a claim, the amount will be recharged by 100% up to five times in a policy year with this benefit.

2. Annual Health Check-up

Every year, all adult insured members will be eligible for a health check-up facility irrespective of the claims history.

3. Cumulative Bonus

In case no claims have been raised in the previous policy year, the sum insured will be increased without any hike in the premium with the cumulative bonus benefit.

4. Early Joining Benefits

If a person buys this policy before the age of 40 years, the Magma HDI General Insurance Company will provide a one-time amount of Rs 2500 after five claim-free years and Rs 5000 after ten claim-free years as early joining benefits.

5. Loss of Income Benefit

Under this policy, a lump sum amount will be paid by the insurance company in case the insured suffers from permanent total disablement due to an accident or injury that occurred while working professionally.

6. Cashless Hospitalization

Magma HDI General Insurance Company offers cashless hospitalization facilities at over 7200 network hospitals across India.

7. Green Channel Benefit

If the insured gets hospitalized at a PPN hospital of the insurance company for cashless treatment, a one-time amount will be provided for each such hospitalization as the green channel benefit. This amount can be used to pay non-medical expenses incurred during the hospitalization.

8. Fitness Rewards and Wellness Services

Policyholders can undertake fitness activities and earn rewards to get a discount on the renewal premium. They can also get access to wellness services, including nutritionist e-counselling, doctor-on-call, etc. under this policy.

9. Tax Benefits

The premium paid for buying a Magma HDI OneHealth Insurance policy can be claimed for tax benefits under Sec 80D of the Income Tax Act.

Magma HDI OneHealth Insurance Plan Eligibility Criteria

Check out the eligibility criteria to buy a Magma HDI OneHealth Insurance plan:

Parameters	Eligibility Criteria
Minimum Entry Age	Adult – 18 years Child – 5 years, 91 days (family floater)
Maximum Entry Age	Adult - No upper limit Child – 26 years
Coverage Type	Individual/ family floater
No. of Relationships	7 (4 adults and 3 children)
Relationships Covered	Self, spouse, dependent children, dependent parents, dependent parents-in-law, son-in-law, daughter-in-law, dependent grandchildren and siblings
Renewability	Lifelong

Types of Magma HDI OneHealth Insurance Plan

Take a look at the five types of Magma HDI OneHealth Insurance plan below:

Support – This plan offers basic coverage with a sum insured of Rs 2 lakh to Rs 5 lakh.
Secure – This plan is available with a sum insured of Rs 2 lakh to Rs 10 lakh.
Support Plus – This plan provides wider coverage and comes with a sum insured ranging from Rs 2 lakh to Rs 10 lakh.
Shield – This plan offers a sum insured ranging from Rs 5 lakh to Rs 50 lakh.
Premium - This plan offers comprehensive coverage with a sum insured option ranging from Rs 10 lakh to Rs 1 crore.

Inclusions of Magma HDI OneHealth Insurance Plan

The following coverage is included under a Magma HDI OneHealth Insurance plan:

In-patient Treatment
Pre-hospitalization Expenses
Post-hospitalization Expenses
Day Care Treatment
Ambulance Cover
Organ Donor Expenses
Domiciliary Hospitalization
IVF Treatment Cover
AYUSH Treatment
Bariatric Surgery Cover
Psychiatric Treatment Cover
LASIK Surgery Cover
HIV/AIDS Cover
Modern Treatment Procedures
E-Opinion for Critical Illness
Hospital Cash
Compassionate Visit in case of Critical Illness
Loss of Income Benefit
Enhanced Daily Cash Benefit
Home Treatment Additional Daily Cash
Companion Benefit
Maternity Benefits
Outpatient Cover
Convalescence Benefit
Worldwide Emergency Hospitalization Cover
Air Ambulance Cover

Optional Covers:

Critical Illness Cover
Personal Accident Cover
Aggregate Deductible
Voluntary Co-payment
Hospital Cash (Under Support and Secure plans)
Bonus Booster (Under Support, Secure and Support Plus plans)
Maternity Benefit (Under Support, Secure, Support Plus and Shield plans)
Home Treatment Additional Daily Cash (Under Support, Secure and Support Plus plans)
Enhanced Pre & Post Hospitalization Cover (Under Support, Secure and Support Plus plans)
Worldwide Emergency Hospitalization Cover (Under Support, Secure, Support Plus and Shield plans)
OPD & Home Care for COVID-19
Non-payable Expense Cover
Recharge Benefit for Same Illnesses (Under Secure, Support Plus, Shield and Premium plans)
Zone Wise Co-pay Waiver
Waiver of Deductible (Under Support, Secure, Support Plus and Shield plans)

Exclusions of Magma HDI OneHealth Insurance Plan

The Magma HDI OneHealth Insurance plan does not cover the following medical expenses:

Treatment for alcohol or drug abuse
Cosmetic treatment
External congenital anomaly
Hazardous or adventure sports
Artificial life maintenance
Unproven treatments
Self-inflicted injuries
Sterility
Cost of dietary supplements and substances

Magma HDI OneHealth Insurance Plan Waiting Periods

Here is the list of waiting periods applicable to the Magma HDI OneHealth Insurance policy:

Category	Waiting Period
Initial Waiting Period	30 days
Specific Illness Waiting Period	2 years
Pre-existing Diseases Waiting Period	2 year/ 3 years/ 4 years
Critical Illness Cover Waiting Period	90 days 30 days (Survival period)
Bariatric Surgery Cover	3 years
Mental Illnesses	3 years
LASIK Surgery Cover	3 years
Maternity Benefits	4 years
OPD & Home Care for COVID-19	15 days

FAQs

Q1. Is a pre-policy medical check-up required to buy a Magma HDI OneHealth Insurance policy?

Ans: You may be required to undergo a pre-policy medical check-up to buy the Magma HDI OneHealth Insurance policy depending on your age, sum insured and medical history.
Q2. Do sub-limits apply to the Magma HDI OneHealth Insurance policy?

Ans: Yes. Sub-limits apply to the in-patient hospitalization and psychiatric treatment covers available under the Magma HDI OneHealth Insurance policy.
Q3. Can I raise a claim for an OPD consultation after 1 week of buying a Magma HDI OneHealth Insurance policy?

Ans: No. You can raise a claim for OPD treatments only after 30 days of buying a Magma HDI OneHealth Insurance policy.
Q4. Where can I check the premium of the Magma HDI OneHealth Insurance policy?

Ans: You can look at the Magma Health Insurance premium chart to know the premium of your OneHealth Insurance policy.
Q5. Can I pay the Magma HDI OneHealth Insurance policy premium in instalments?

Ans: Yes, you can pay the premium of your Magma HDI OneHealth Insurance policy in monthly, quarterly and half-yearly instalments.
Q6. Where can I get the cashless hospital list under the Magma HDI OneHealth Insurance policy?

Ans: You can get the Magma HDI General Insurance hospital list for cashless treatment on the website of the insurance company.

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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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