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Magma HDI One Health (Premium)

ILM Ratings

Claims Experience:

Customer Service:

Product Benefits:

Introduction to Magma HDI One Health (Premium)

Magma OneHealth (Premium) is a comprehensive health insurance plan designed for families and individuals seeking wide-ranging protection. It goes beyond hospitalisation and related expenses, covering treatments that are usually not included in standard health insurance plans such as IVF and maternity expenses, newborn baby care, bariatric surgery, OPD, mental illness, and HIV/AIDS treatments. The plan also offers global treatment coverage and rewards long-term insured members with a lump-sum payout after 5 and 11 consecutive claim-free years. However, it comes with a capped list of daycare treatments and a sub-limit on cataract coverage, which can be a drawback for some.

Claims Experience:

Customer Service:

Product Benefits:

Quick Overview:

What's Good?

• No restrictions on hospital room you can choose
• Bonus added every year, even if you claim
• Pregnancy-related expenses covered
• Infertility treatment expenses covered
• Newborn baby expenses covered - up to 90 days
• Mental illness treatment expenses covered
• HIV / AIDS treatment expenses covered
• OPD costs covered - medications, tests, consultations, etc.
• Global treatment expenses covered
• Bariatric surgery for weight loss covered
• Lump-sum payout on 5th & 11th consecutive claim-free years
• Multiple options to get premium discounts

What's Not Good?

• No monthly premium payment option
• Sub-limits on common treatments like cataract
• Cap on no. of daycare treatments covered

Insurer Track Record

About Magma General Insurance Company Limited

JV Partners

Turnover (GWP)

Number of Policies

Number of Claims

Detailed Product Overview

Hidden Conditions

Exclusions Unique to this Policy

Have doubts regarding this plan?

Frequently Asked Questions

Is international treatment covered under One Health (Premium)?

Yes. OneHealth (Premium) covers medical expenses for emergencies that occur outside India. The treatment must be taken on an inpatient basis, and a qualified doctor should certify that it was an emergency and medically necessary. This coverage is subject to applicable terms and conditions.

Is there a co-pay clause in OneHealth (Premium)?

Does OneHealth (Premium) have any zone-based co-payment?

Is there a disease-wise waiting period under One Health (Premium)?

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Did you know

1- Health insurance data and ratings were last updated in April 2026. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q4, FY 2024-2025), insurer websites, and the IRDAI website.

2- The Claims Settlement Ratio data is taken from NL-37, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing health insurance claims settled divided by health insurance claims reported plus those outstanding at the start of the year.

3- The data related to claim complaints and policy purchase complaints is taken from NL-45, insurer public disclosures (Q4, FY 2024-2025).

4- The Solvency Ratio data is taken from NL-26, insurer public disclosures (Q4, FY 2024-2025).

5- The data related to claims settled within 30 days is taken from NL-39, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing number of health insurance claims paid within 30 days by the total health insurance claims paid during the year.

6- The Claims Incurred Ratio data is taken from NL-4 and NL-5, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing the Net Claims Incurred by the Net Earned Premium.

7- The Turnover data is taken from NL-4, insurer public disclosures (Q4, FY 2024-2025). It is calculated by converting net written premium to gross written premium.

8- The number of policies and claims data is taken from NL-45, insurer public disclosures (Q4, FY 2024-2025).

9- The Claim Rejection Ratio data is taken from NL- 37, insurer public disclosures (Q4, FY 2024-2025). It is calculated by dividing total claims repudiated and rejected by the sum of total claims outstanding at the beginning of the year and total claims reported during the period.

10- For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.

11- We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service.

12- Affordability assessment of plans:

• The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹10 Lakhs.
• The affordability of Care Freedom Plan is assessed for a 46-year-old couple in Zone 1 with ₹10 lakh cover; premium as of 16th April 2026.
• The affordability of Care Freedom (Plan 1) is assessed for ₹5 lakh cover; premium as of 16th April 2026.
• The affordability of Acko Platinum Health Insurance is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of February 2024.
• The affordability of ICICI Lombard MaxProtect (Premium) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹1 Crore. And, the premium is as of February 2024.
• The affordability of Niva Bupa - Senior First (Platinum), Manipal Cigna - Prime Senior (Elite) is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of February 2024.
• The affordability of Aditya Birla Activ One (VIP+) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of March 2024.
• The affordability of Aditya Birla Activ One (VIP) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of April 2024.
• The affordability of Care Advantage Plan is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹25 Lakhs. And, the premium is as of April 2024.
• The affordability of IndusInd General Health Global (Elite) Plan is assessed using premiums for a family of two adults (30 years old) and one child (1 year old), opting for an India cover of ₹1.5 Crores and global cover of $0.15 Million. And, the premium is as of August 2024.
• The affordability of Star Health - Premier is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of April 2025.
• The affordability of ManipalCigna - LifeTime Health (India) is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1, opting for a cover of ₹50 Lakhs. And, the premium is as of April 2025.
• The affordability of Care Insurance Senior Health Advantage is assessed using premiums for a family of two adults (61 years old) residing in Zone 1, opting for a cover of ₹10 Lakhs. And, the premium is as of June 2025.
• The affordability of Optima Secure Global & Optima Secure Global Plus Plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old), opting for an India cover of ₹1 Crore. And, the premium is as of February 2026.
• The premium for Optima Super Secure is available only for a 3-year tenure and the pricing has been considered accordingly.

13-Premium ratings are as of 19th January 2026.

• For Activ One (VYTL), asthma was considered as the PED for premium retrieval.
• Aditya Birla Health – Activ Health Platinum (Enhanced): child age set to 5 years (minimum allowed).
• Care Plus: one adult must be 35+; test case updated accordingly to meet the minimum requirement.
• Care Supreme (Vikas): one adult must be 30+; test case updated accordingly to meet the minimum requirement.

14- We have considered the Inflation Protection benefit under Acko’s Platinum and Standard Health Plan instead of the No Claim Bonus Benefit.

15- We have only considered features, benefits, and limits of ‘India Cover’ under IndusInd General's Health Global (Elite) Plan.

16- The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans.

17- Only those hidden and special conditions that apply to the benefits and features we have considered are included on the product pages.

18- The product pages only include the most significant specific exclusions under each plan, which we've simplified for better understanding.

19- The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).

20- If the policy wording, brochure, or prospectus states that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.

21- We take into account more parameters, beyond those shown above, when calculating the customer service rating.

22- The response time on X (Twitter) was calculated using a sample set of tweets from July 2025 to December 2025 (analyzed in January 2026). The Response time on Toll Free was last evaluated in March 2026.

23- The metrics like claim complaints, policy purchase complaints, response time on Twitter and toll-free are not related to a specific product but are related to the overall performance of the insurance company.

24- The network hospitals' data was last updated in January 2026.

Your use of the website shall be governed by the Terms and Conditions and Privacy Policy of our website.

Magma HDI One Health (Premium) is a health insurance policy offered by Magma HDI General Insurance Company Limited.

The Magma HDI One Health (Premium) Plan offers comprehensive coverage, including services like bariatric surgery, infertility treatment, etc. in addition to covering hospitalisation and related expenses. There are certain sub-limits imposed on specific treatments, such as cataracts, which may result in higher out-of-pocket expenses. Another aspect to consider is that this plan is relatively pricier than other options available in the market. Also, it does not offer the convenience of monthly premium payments.

On the bright side, our research reveals that the insurer has a solid track record in terms of claim settlements, with very few complaints as compared to other insurers. However, they have received a higher number of policy purchase complaints.

What are the benefits offered by the Magma HDI One Health (Premium) Plan?

• Inpatient hospitalisation coverage: Similar to other health insurance plans, the Magma HDI One Health (Premium) Plan covers the costs related to inpatient hospitalisation. These expenses include fees for your hospital room, nursing care, consultations, prescription medications, ICU costs, and any other related expenses.
• Pre-hospitalisation coverage: Before you get admitted to the hospital, you may have certain medical expenses. These are called pre-hospitalisation charges such as fees for consultations, lab tests, checkups, medical reports, etc. The insurance company will only cover these expenses if they are directly linked to the medical condition that ultimately leads to your hospitalisation and the claim is approved as part of your inpatient hospitalisation expenses. With the Magma HDI One Health (Premium) Plan, your pre-hospitalisation expenses are covered for 60 days before your hospitalisation up to the sum insured.
• Post-hospitalisation coverage: After your hospital discharge, you may incur additional medical expenses, known as post-hospitalisation costs. These expenses include the cost of consultation, medical checkups, rehabilitation programs, physical therapy, etc. To get these expenses covered, they must be related to your initial hospital stay, and your claim must be approved as part of your inpatient hospitalisation coverage. The Magma HDI One Health (Premium) Plan offers coverage for post-hospitalisation expenses for a period of 90 days after your hospital stay, up to the sum insured.
• Daycare treatment coverage: Daycare treatment is a surgery or treatment that used to require an extended hospital stay but can now be successfully completed within 24 hours due to progressive advancements in medical technology. With the Magma HDI One Health (Premium) Plan, a total of 541 treatments are covered without any limits.
• Domiciliary treatment coverage: Domiciliary treatments are those medical treatments and procedures that can be administered at home if you cannot make it to the hospital, either because of the seriousness of your condition or a lack of hospital beds nearby. With the Magma HDI One Health (Premium) Plan, all your domiciliary treatment costs are covered up to the sum insured.
• Organ donor coverage: The Magma HDI One Health (Premium) Plan provides coverage for organ donor expenses up to the sum insured. This coverage includes all inpatient costs related to organ transplantation surgery where the insured is the recipient. However, this coverage does not include the donor's pre and post-hospitalisation expenses.
• Modern treatment coverage: With the continuous progress in medical technology, formerly impossible innovative treatments are now made possible. Treatments like stem cell therapy and radio surgeries aim to cure conditions that were once deemed incurable. The Magma HDI One Health (Premium) Plan is specifically crafted to stay in step with these breakthroughs. It covers expenses linked to these modern treatments up to your sum insured without any restrictions.
• Non-medical expenses coverage: The Magma HDI One Health (Premium) Plan does not include coverage for non-medical expenses, including costs related to gloves, nebulisation kits, oxygen masks, etc.
• No Claim Bonus: The Magma HDI One Health (Premium) Plan comes with an invaluable benefit known as the No-Claim Bonus; a reward given by the insurer for not making any claims in a policy year. Under the plan, you’ll receive 33.33% of your sum insured as a No Claim Bonus - subject to a maximum of 100% of the sum insured. The best part is if you make a claim during your policy period, your hard-earned bonus will not be reduced.
• Super No Claim Bonus: The Super No Claim Bonus works just like the regular No Claim Bonus, but it is an accelerated version. However, it is crucial to note that the Magma HDI One Health (Premium) Plan does not include the Super No Claim Bonus feature.
• Restoration Benefit: The Magma HDI One Health (Premium) Plan offers an exceptional feature called the Restoration Benefit. This unique feature replenishes your sum insured after you have used it during a policy year for unrelated illnesses. This refill benefit comes into play once you have partially exhausted your sum insured and no claim bonus (if any). You will be able to use this benefit up to 5 times in a policy year for subsequent claims.

Please note that the limits and conditions mentioned in the above benefits and features are for Rs. 10 Lakhs sum insured.

Magma HDI One Health (Premium): Financial Limits

• Room rent limit: The room rent limit is the highest amount your insurance provider will pay for your hospital room during your stay. If you pick a room within this limit, you will not have to pay extra. But if you go for a more expensive room, you will have to cover a proportionate part of the entire hospital bill and not just the difference. The Magma HDI One Health (Premium) Plan lets you choose any room without any limits.
• ICU rent limit: With the Magma HDI One Health (Premium) Plan, you will be covered for all expenses during an ICU stay without any limit. So, you can access top-notch medical care without worrying about its costs.
• Copayment: A copayment is a percentage of the approved claim amount you have to cover before your insurer takes care of the rest. With the Magma HDI One Health (Premium) Plan, you can choose a copayment limit of either 10% or 20% as an option.
• Deductible: A deductible is the initial amount you need to pay before your insurance policy kicks in to cover your medical costs. With the Magma HDI One Health (Premium) Plan, you have the option to choose a deductible limit of either Rs 2 lakhs, Rs 3 lakhs, Rs 4 lakhs, Rs 5 lakhs, or Rs 10 lakhs as an option.
• Limits on surgeries/treatments: This is the maximum amount your health insurance will pay for particular medical treatments. Some plans have set limits for certain procedures, while others do not. With the Magma HDI One Health (Premium) Plan, you get up to Rs 1 lakh per eye each policy year for cataract treatment, and joint replacement surgery is covered without any limit, up to your sum insured.

Please note that the above financial limits are taken for a 30-year-old individual opting for a sum insured of Rs. 10 Lakhs.

Magma HDI One Health (Premium): Waiting Periods & Exclusions

👉Waiting period

A waiting period is a timeframe during which specific illnesses and medical conditions are not covered right after buying health insurance. You can only make claims for these conditions after the waiting period is over. Some of the types of waiting periods –

• Initial waiting period: Under the Magma HDI One Health (Premium) Plan, there is a 30-day initial waiting period for all medical conditions except accidents. During this time, you cannot make claims for hospitalisation expenses unless it is due to an accident. After the initial waiting period ends, you can make claims for all covered medical conditions without any limitations.
• Waiting period for pre-existing diseases: A pre-existing disease is a health condition you had in the 36 months before getting your insurance. With the Magma HDI One Health (Premium) Plan, you will have to wait for 36 months before the policy covers costs for your pre-existing condition. This means during this waiting time, you cannot make any claims for expenses linked to your pre-existing disease.
• Waiting period for specific diseases: The Magma HDI One Health (Premium) Plan includes waiting periods for certain medical conditions apart from your pre-existing diseases. These waiting periods are set by the insurer and are not based on your current health status. This plan has a 24-month waiting period for specific diseases.

👉Exclusions

Health insurance policies come with exclusions, which are situations or medical conditions that the policy will not cover. Some of these include –

• Standard permanent exclusions: Insurance companies in India must adhere to a set of 'standard permanent exclusions' mandated by IRDAI (Insurance Regulatory and Development Authority of India). Some of these exclusions include –

Investigation and Evaluation: Hospitalisation solely for monitoring or observation purposes.

Rest Cure, Rehabilitation, and Respite Care: Admission to facilities for rest or respite where active medical treatment is not provided.

Obesity/Weight Control: Surgical or medical procedures intended for weight control or addressing obesity.

Change of Gender Treatment: Medical treatment aimed at altering one's characteristics to that of the opposite gender.

Plastic/Cosmetic Surgery: Surgical or medical procedures meant for altering one's appearance or body characteristics.

Profession in Hazardous or Adventure Sports: This excludes medical expenses incurred while participating as a professional in adventure activities such as snorkelling, skydiving, river rafting, scuba diving, etc.

Breach of Law: Any expenses related to the treatment of a person who has committed or attempted to commit a criminal act.

Excluded Providers: Treatment from medical practitioners or hospitals excluded by the insurance company.

Narcotics: Treatment for addictive conditions like alcohol addiction, drug usage, etc.

Treatments in Establishments Arranged for Domestic Purposes: Treatment expenses incurred in health spas, nursing homes, or similar establishments arranged entirely or partially for domestic reasons.

Dietary Supplements and Substances Purchased Without Prescription: Expenses on vitamins, minerals, and other dietary supplements not prescribed by a medical practitioner.

Refractive Error: Expenses associated with correcting refractive errors up to 7.5 diopters for improved eyesight.

Unproven Treatments: Surgeries, medical procedures, or treatments that are not proven to be effective.

Expenses Related to Birth Control, Sterility, Infertility: Expenses related to contraception, sterilisation, artificial insemination, advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI, gestational surrogacy, etc.

Maternity Expenses: Costs related to pre/post-natal care, childbirth, and hospitalisation.

• Investigation and Evaluation: Hospitalisation solely for monitoring or observation purposes.
• Rest Cure, Rehabilitation, and Respite Care: Admission to facilities for rest or respite where active medical treatment is not provided.
• Obesity/Weight Control: Surgical or medical procedures intended for weight control or addressing obesity.
• Change of Gender Treatment: Medical treatment aimed at altering one's characteristics to that of the opposite gender.
• Plastic/Cosmetic Surgery: Surgical or medical procedures meant for altering one's appearance or body characteristics.
• Profession in Hazardous or Adventure Sports: This excludes medical expenses incurred while participating as a professional in adventure activities such as snorkelling, skydiving, river rafting, scuba diving, etc.
• Breach of Law: Any expenses related to the treatment of a person who has committed or attempted to commit a criminal act.
• Excluded Providers: Treatment from medical practitioners or hospitals excluded by the insurance company.
• Narcotics: Treatment for addictive conditions like alcohol addiction, drug usage, etc.
• Treatments in Establishments Arranged for Domestic Purposes: Treatment expenses incurred in health spas, nursing homes, or similar establishments arranged entirely or partially for domestic reasons.
• Dietary Supplements and Substances Purchased Without Prescription: Expenses on vitamins, minerals, and other dietary supplements not prescribed by a medical practitioner.
• Refractive Error: Expenses associated with correcting refractive errors up to 7.5 diopters for improved eyesight.
• Unproven Treatments: Surgeries, medical procedures, or treatments that are not proven to be effective.
• Expenses Related to Birth Control, Sterility, Infertility: Expenses related to contraception, sterilisation, artificial insemination, advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI, gestational surrogacy, etc.
• Maternity Expenses: Costs related to pre/post-natal care, childbirth, and hospitalisation.
• Additional Permanent Exclusions: In addition to the permanent exclusions required by the IRDAI, insurance companies can also apply exclusions to certain illnesses and circumstances. If a certain illness is considered high-risk, insurers can choose to permanently exclude it from coverage. However, insurers can only apply permanent exclusions to diseases that are on the pre-approved list established by the IRDAI.
• Non-standard Exclusions (Specific Exclusions): In the Magma HDI One Health (Premium) Plan, you have specific exclusions, which are additional exclusions beyond standard exclusions set by IRDAI. These vary across insurers and depend on the terms and conditions of the plan. Here are a few specific exclusions in this plan –

Expenses for non-allopathic or alternative treatments, except for AYUSH treatment.

Circumcision, unless it is necessary for treating a disease or injury.

The use of a ventilator for a patient in a vegetative state (brain dead) with no chance of recovery.

Expenses for treating external birth defects.

Injuries or illnesses directly or indirectly caused by terrorism, war, riots, nuclear or chemical contamination.

Treatment for hereditary conditions.

Dental treatment, except when required due to an accident.

Issuing fitness certificates and fitness examinations.

Charges for private nursing or attendants during pre- or post-hospitalisation.

Treatment for sleep disorders.

Any external equipment used for diagnosis or treatment.

Medical equipment used at home, such as walkers, crutches, diabetic footwear, etc.

Treatment related to intentional self-inflicted injuries or attempted suicide.

Preventive care, vaccination, inoculation, and immunisation costs are not covered except for vaccination for a newborn baby.

Treatment for any sexual problems and sexually transmitted diseases.

X-rays, laboratory tests, or other diagnostic tests not related to identifying or treating a specific illness or injury, whether or not they necessitate hospitalisation.

• Expenses for non-allopathic or alternative treatments, except for AYUSH treatment.
• Circumcision, unless it is necessary for treating a disease or injury.
• The use of a ventilator for a patient in a vegetative state (brain dead) with no chance of recovery.
• Expenses for treating external birth defects.
• Injuries or illnesses directly or indirectly caused by terrorism, war, riots, nuclear or chemical contamination.
• Treatment for hereditary conditions.
• Dental treatment, except when required due to an accident.
• Issuing fitness certificates and fitness examinations.
• Charges for private nursing or attendants during pre- or post-hospitalisation.
• Treatment for sleep disorders.
• Any external equipment used for diagnosis or treatment.
• Medical equipment used at home, such as walkers, crutches, diabetic footwear, etc.
• Treatment related to intentional self-inflicted injuries or attempted suicide.
• Preventive care, vaccination, inoculation, and immunisation costs are not covered except for vaccination for a newborn baby.
• Treatment for any sexual problems and sexually transmitted diseases.
• X-rays, laboratory tests, or other diagnostic tests not related to identifying or treating a specific illness or injury, whether or not they necessitate hospitalisation.

What to expect in terms of claims experience if you buy from Magma HDI General Insurance Company Limited?

• Speed of claims: Magma HDI General Insurance Company has demonstrated a high level of efficiency by settling 100% of its claims within 30 days. This assures you of a smooth and timely claim settlement experience.
• Claim-related complaints: From our research, we have found that Magma HDI General Insurance Company has a complaint rate of just 0.12% for claims in comparison to other insurance providers. This indicates that their claim settlement process is efficient and well-organised.
• Claims incurred ratio: The claims incurred ratio is a measure of an insurer's financial performance. It shows the total claims paid out in relation to the (Premium)s received in a specific fiscal year. Magma HDI General Insurance Company proudly maintains a claims incurred ratio of 87.46%.
• Claim settlement ratio: Magma HDI General Insurance Company's claim settlement ratio stands at 77.63%. This figure reflects the proportion of total claims received to those successfully settled by the company in a specific fiscal year.
• Network hospitals: Magma HDI General Insurance Company provides access to an extensive network of 8,400+ hospitals. This broad network allows customers to receive cashless treatment without any financial worry.

How is the customer service of Magma HDI General Insurance Company Limited?

• Policy purchase-related complaints: According to our research, Magma HDI General Insurance Company has an impressively high complaint rate of just 0.01% for their post-sales service in comparison to other insurers.
• Response on Toll-Free: In our research, we discovered that Magma HDI General Insurance Company delivers quick responses to their toll-free customer service number when compared to other insurance providers.
• Response on Twitter: In our research, we observed that Magma HDI General Insurance Company is not active on Twitter.

About Magma HDI General Insurance Company Limited

Magma HDI General Insurance Company is a subsidiary of the Rising Sun Group, led by Adar Poonawalla. The majority of the company's shares are held by Sanoti Properties LLP, with other key shareholders including HDI Global SE, Celica Developers Private Limited, and Jaguar Advisory Services Private Limited. The company offers a diversified range of insurance products, encompassing motor insurance, health insurance, personal accident insurance, home insurance for retail customers and fire insurance, engineering insurance, liability insurance, and marine insurance for commercial clients. Established in 2009, the company is headquartered in Mumbai, Maharashtra. Mr. Rajive Kumaraswami serves as the CEO and MD of the company.

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