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Magma HDI OneHealth Health Insurance

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Magma HDI Health Insurance
OneHealth Insurance Policy
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio90.00%
Network Hospitals7,800+
Special BenefitsModern treatments such as IVF, Psychiatric covered

About Magma HDI OneHealth Health Insurance

OneHealth Insurance Policy is a medical insurance plan framed with a holistic approach to offer medical coverage from individuals to families. The policy allows everyone to get covered under its different plans. The plan covers just a single person when bought on an individual basis. Whereas, the floater plan provides coverage for up to 4 adults and up to 3 kids under a single plan. When it comes to the age of entry, the policyholder or the proposer should be at least 18 years of age. However, the policy entertains any person with the minimum age of 5 years in an individual plan and 91 days in a family floater plan. The maximum entry age for this plan is 65 years, which comes with lifetime renewability option.

The OneHealth Insurance Policy is available for the customers with multiple sum insured options ranging from Rs. 2 Lakh to Rs. 50 Lakh under different variants, which are known as Support, Support Plus, Shield, and Premium. The plan gives the coverage on getting hospitalised for at least 24 hours on cashless or reimbursement claim basis. The major attractions of the plan comprise of AYUSH cover, maternity cover, OPD cover, daycare treatment, IVF treatment cover and so on.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Pre and post hospitalisation coverage
  • Availability of worldwide emergency cover
  • Option to enhance the sum insured is available
  • Coverage for outpatient treatment (OPD)
  • Home treatment with daily cash benefit

What's Not Included

  • Illness due to drugs not supported by a prescription
  • Injury occurred due to a war, riot, etc.
  • Pre-existing disease treatment
  • Treatment during the first 30 days
  • Addictive conditions and disorders

7734 Magma HDI Cashless Network Hospitals in India

OneHealth Insurance Policy User Reviews

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What users are saying
  • All
  • Savings and Security Combined

    I am a loyal customer of InsuranceDekho and have been regularly renewing my Magma HDI- OneHealth Insurance Policy. With this policy, I get both savings and security. Their policies are designed to keep my health and finances in check, making them an invaluable partner in my healthcare journey.

    B
    By Bharat Bhushan
    On: Sep 25, 2023
  • Great coverage benefits

    My Magma HDI- OneHealth Insurance Policy offers great coverage benefits. I bought the policy at InsuranceDekho and it was the best decision ever. I will recommend everyone to buy this policy if they are looking for an individual health insurance policy.

    C
    By Charanjit Sen
    On: Aug 22, 2023
  • Flexible payment modes

    InsuranceDekho offers flexible premium payment modes. Last week I bought the Magma HDI- OneHealth Insurance Policy and paid the premium via a secured payment gateway in a mode of my choice, i.e. Debit card. Other options available were Credit card and e-wallet.

    S
    By Sucheta Shah
    On: Aug 10, 2023
  • Quick Claim Settlement

    Thank you InsuranceDekho for suggesting, that I buy the Magma HDI- OneHealth Insurance Policy.  I recently claimed for my health insurance plan because of some medical emergency. My claim was settled within 2 weeks without any hassle. Also, the customer support team of the company was kind enough to guide me through the process. 

    A
    By Ayaan Mukherjee
    On: Jun 15, 2023
  • Well managed website

    The InsuranceDekho website is very well managed. While buying the Magma HDI One health policy from their website, it was easy for me to locate everything. The things were very well arranged and managed. Loved buying the plan from their website. 

    A
    By Apoorva Pandey
    On: Mar 01, 2022

Add-ons to Enhance Benefits

  • Critical Illness Cover

    With the additional coverage under the OneHealth plan, you can opt for Critical Illness Cover and make yourself eligible to get a lump sum amount on being diagnosed with a critical illness. Under different variants, the lump sum amount paid under the benefit ranges from the sum insured amount up to Rs. 10 Lakh, whichever is lower.

  • Personal Accident Cover

    An accident can cost you quite badly from physical, emotional and financial aspects. Hence, investing a bit more to buy additional coverage for personal accident cover is not a big deal. The amount is paid under this benefit in a lump sum in the event of accidental death or permanent disability. The benefit amount under this cover ranges from the sum insured to Rs. 10 Lakh, whichever is lower.

Magma HDI OneHealth Insurance Policy Expert Review

  • Expert Review

    The medical cost has risen significantly. So when a medical emergency strikes, you may use funds from savings, which impacts financial health as well as jeopardizes personal goals. Given that Magma HDI has introduced a comprehensive health insurance policy by the name of OneHealth Insurance Policy. This policy offers medical cover for individuals as well as families. The floater plan covers up to 4 adults and up to 3 kids, whereas the individual plan covers a single person. An ideal health product for kids of 91 days and adults of up to 65 years, OneHealth Insurance policy comes with different variants, namely Support, Support Plus, Shield, and Premium.

    Offering cover for special procedures like Psychiatric, IVF, Bariatric, and Lasik treatment after a waiting period of 3 years, OneHealth Insurance policy brings a lot of benefits for policyholders such as no-claims bonus, rewards to stay fit, premium discounts, and so on. Moreover, the policy comes with two add-on covers, namely Critical Illness Cover and Personal Accident Cover.

  • Major Attractions

    A one-stop health product for all, OneHealth Insurance policy has been designed to pay your hospital bills when hospitalized due to an illness, accident or injury. It provides worldwide emergency cover, outpatient treatment (OPD) cover, and an option to enhance the sum insured amount. If accompanied by optional Critical Illness Cover and Personal Accident Cover, the OneHealth Insurance policy pays you a lump sum amount for being diagnosed with a specified critical illness or in the event of accidental death or permanent disability. Magma HDI has set different lump sum amount under all the variants. The major attractions of the plan comprise the following:

    • A wide range of sum insured, ranging from Rs. 2 Lakh to Rs. 50 Lakh
    • Expenses incurred on maternity, newborn baby, vaccination and AYUSH treatment
    • Free health check-up annually and worldwide (air ambulance) emergency cover
    • Fitness Reward points: a maximum of up to 10% of premium   
    • Restoration of the sum insured up to 100% of the sum insured
    • E-opinion for critical illness under all the variants
    • Additional benefits if the policy is purchased before the age of 40
    • 10% discount on 2-year policy tenure & 12.5% discount on 3-year policy tenure
  • What’s More?

    Apart from the above benefits, OneHealth Insurance policy also provides you with the benefits of pre and post-hospitalisation cover, inpatient cover, OPD cover, daycare treatment, organ donor expenses, domiciliary hospitalisation. On top of everything, the policy lets you undergo cashless treatment in network hospitals and reimbursement of expenses in case of a non-network hospital. What’s more is:

    • The policy can be renewed for the lifetime
    • It can save tax under section 80D of the Income Tax Act
    • It comes with 15 days free look period to continue or cancel the policy
    • 30-day grace period in the event of a break in the policy 
  • Conclusion

    In today's scenario when bad eating habits, fast-paced life, and high levels of pollution have put us on the higher risk of diseases at a younger age, OneHealth Insurance policy comes to play a pivotal role. The way Magma HDI has designed this policy providing cover for everything, right from the newborn baby to critical illnesses, it can be termed as a perfect plan to be bought.

    When purchasing this policy, always buy it through the online mode for a hassle-free experience. InsuranceDekho helps you compare different health insurance plans, get free quotes and avail excellent customer service at the time of filing a claim. 

Magma HDI OneHealth Insurance Policy Brochure

  • 502.94 KB
  • PDF Document
  • Jul 19, 2019

Claim Process at Magma HDI Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on OneHealth Insurance Policy Health Insurance Plan

  • What is the entry age of getting covered under Magma HDI OneHealth Insurance Policy?

    The proposers or policyholders should be between the age group of 18 years and 65 years. However, the plan provides the coverage for kids for minimum 5 years of age in an individual plan and minimum 91 days in the family floater plan.

  • What are the sum insured options available under the OneHealth Insurance Plan?

    Different sum insured options are offered under different variants of the plan which ranges from Rs. 2 Lakh to Rs. 50 Lakh, when the policy is purchased on an individual basis.

  • Does this health insurance policy provide the option of E-opinion for critical illness?

    Yes, the plan offers the feature of E-opinion for the critical illness which helps the insured individuals to find better and alternate treatment options for critical illness.

  • Does OneHealth Insurance Policy offer coverage for parents?

    Yes, OneHealth plan offers the cover for parents under the family floater plan.

  • How many members are allowed to get covered under the plan on a family floater basis?

    This insurance policy allows to cover up to 4 adults and 3 kids under a family floater plan.

  • Does this policy offer any add-on features?

    Yes, the health insurance policy provides two add-on features comprising of Critical Illness Cover and Personal Accident Cover.

  • Is there any special treatments or procedures offered under this plan?

    Yes, procedures like IVF, Psychiatric, Bariatric, and Lasik treatments are covered under the plan after a waiting period of 3 years.

  • How many hospitals offer the cashless facility for this health insurance plan?

    The cashless facility is available at 4,100+ network hospitals across the nation.

  • Is there any option of tax benefit available on the purchase of this health insurance policy?

    On making the payment through cheque, the policyholders are eligible to earn the tax benefit according to the section 80D of the IT Act. 

  • Is there any sum insured restoration benefit available under the plan?

    The plan allows you to restore your Sum Insured, in the case, if Sum Insured and Cumulative Bonus gets exhausted due to the previous claim in the policy year.

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