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Magma Health Insurance
Magma HDI One Health Insurance Plan
A versatile health insurance plan that can cater to your needs. Comes ...Read More
About Magma HDI One Health Insurance Plan
A quick read on what this Magma Health Insurance plan covers and why it might be a fit for you.
Magma HDI One Health insurance policy is a versatile health plan with 5 different plan variants and high sum insured options ranging between ₹2 Lakhs to ₹1 Crore. Individuals can avail a plethora of benefits under the Magma HDI One Health Insurance Policy, such as:
- Psychiatric Cover
- Lasik Surgery Cover
- IVF Treatment
- Free Annual Health Check-up
- Critical Illness and Personal Accident Cover
The plan is available for 1, 2, or 3-year policy tenures. The minimum entry age is 18 years for adults and 91 days for children, with no upper limit for adult entry age. Magma HDI One Health Insurance policy is available as an individual and family floater plan, allowing you to cover your spouse, dependent children, dependent parents, dependent parents-in-law, grandchildren, sisters, and brothers. For more details about the plan, please read the article.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- SI up to ₹2 Crore
- Voluntary Co-pay
- CI & PA coverage
Cons
- Global coverage not covered
- No automatic restoration
- AYUSH cover not available
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Covered
Conditions & global
- Co-payment Covered
- Sub-limits Not covered
- Compassionate travel Covered
- Global coverage Not covered
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions that are not included under the Magma HDI One Health Insurance plan are mentioned below:
- Treatments for alcohol abuse.
- Treatment for substance abuse.
- Any alternative treatment except those covered under AYUSH treatment.
- Treatment for any injury related to unlawful activity.
- Treatment for injury due to war, nuclear or chemical contamination.
- Pre-Existing Diseases: 24/36/48 Months
- Listed Ailments: 24 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Minimum: 18 Years Children: 91 Days to 26 Years
Other features & benefits
The Magma HDI One Health Insurance policy offers a wide range of features, including comprehensive base coverage and various optional add-on covers. Policyholders can also benefit from wellness programs. The plan is highly customizable, available in 5 different variants, allowing individuals to tailor their sum insured and features to suit their specific needs.
Magma HDI One Health Insurance Plan: FAQs
The 5 most-asked questions about Magma HDI One Health Insurance Plan, answered.
Conclusion
Comprehensive health insurance plan with wellness rewards, high sum insured options, and multiple va
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