{"uin":"MAGHLIP23047V012223","name":"OneHealth Extra Cover","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223","insurer":{"slug":"magma-general-insurance","name":"Magma General Insurance Limited","url":"https://indiainsurances.com/insurer/magma-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"OneHealth Extra Cover is an indemnity health policy with individual and family floater options, aggregate deductibles, and sum insured options from 5L to 100L. It has no room rent capping, 60 days pre-hospitalisation, 90 days post-hospitalisation, and recharge of sum insured up to 5 times in a policy year.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:51:08.790387+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe individual and family floater policy types and sum insured bands, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy is issued for 1 year, 2 years or 3 years.","display":"1 year or 2 years or 3 years","note":null,"quote":"The Policy will be issued for 1 year or 2 years or 3 years period.","sources":[{"clause":null,"heading":"Policy Period","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12338#c-policy-period"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For cashless facility, the TPA must be contacted at least 72 hours before planned hospitalisation and within 24 hours of admission for emergency hospitalisation. For reimbursement claims, preliminary intimation must be provided at least 72 hours before planned hospitalisation and within 24 hours of admission for emergency hospitalisation.","display":"72 hours before planned hospitalisation; within 24 hours of emergency admission","note":null,"quote":"The TPA will be contacted on its helpline and must be provided with the membership number, Policy Number and the name of the Insured Person at least 72 hours before admission to the Hospital for planned Hospitalization and within 24 hours of admission to the Hospital in case of Emergency Hospitalization. ... Preliminary intimation of claim with particulars relating to Policy Number, name of the Insured Person in respect of whom claim is made, nature of Illness/ Injury and name and address of the attending Hospital, must be provided to Us at least 72 hours before admission to the Hospital in case of planned Hospitalization, and within 24 hours of admission in the Hospital, in case of Emergency Hospitalization.","sources":[{"clause":"5.3","heading":"Claim Procedure","page":26,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-5-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed claim form","Test reports and prescriptions relating to first / previous consultations for the same or related illness","Case history / admission-discharge summary","Death summary in case of death of the Insured Person at the Hospital","Post Mortem Report, if applicable & if conducted","Hospital receipts / bills / cash memos in original","All test reports for X-rays, ECG, Scan, MRI, Pathology etc.","Medical Practitioner’s prescriptions with cash bills for medicines purchased from outside the Hospital","F.I.R/MLC in the case of Accidental Injury","Legal heir certificate in the absence of nomination","Copies of health insurance policies held with any other insurer","Additional documents for Worldwide Hospitalization Cover – the Insured Person’s passport, visa, tickets and boarding passes"],"display":"Claim form, medical records, bills, reports and other claim-specific documents","note":null,"quote":"Mandatory documents\na) Duly completed claim form.\nb) Test reports and prescriptions relating to first / previous consultations for the same or related illness.\nc) Case history / admission-discharge summary describing the nature of the complaints and its duration, treatment given, advice on discharge etc. issued by the Hospital.\nd) Death summary in case of death of the Insured Person at the Hospital.\ne) Post Mortem Report, if applicable & if conducted.\nf) Hospital receipts / bills / cash memos in original (including advance and final Hospital settlement receipts). ... o) Additional documents for Worldwide Hospitalization Cover – the Insured Person’s passport, visa, tickets and boarding passes.","sources":[{"clause":"5.3","heading":"Claim Procedure","page":26,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-5-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"conflicting","value":"The policy wording says the company shall settle or reject a claim within 30 days from receipt of the last necessary document. If investigation is needed, it shall complete investigation within 30 days from receipt of the last necessary document and settle or reject the claim within 45 days from receipt of the last necessary document.","display":"30 days from last necessary document; 45 days if investigation is needed","note":"CIS says: \"The insured shall submit all the relevant claim documents, and the Claims shall be settled or rejected, as the case may be, within 15 from the date of intimation (along with the requisite documents).\"","quote":"i) The Company shall settle or reject a claim, as may be the case, within 30 days from the date of receipt of last necessary document. ... iii) However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"4.1.3(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-4-1-3-i"},{"clause":"4.1.3(iii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-4-1-3-iii"},{"clause":"41","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12413#c-41"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, contact the company through its website, toll-free number, email or branches; senior citizens have a dedicated email and helpline. If not satisfied, contact the Grievance Officer at Magma General Insurance Ltd., with email gro@magmainsurance.com, before approaching IRDAI or the Insurance Ombudsman.","display":"Company customer care or Branch GRO first; then Grievance Officer at gro@magmainsurance.com","note":null,"quote":"In case of any grievance, the Insured Person, including senior citizens, may contact the Company through any of the following channels:\nCustomer Care:\n• Website: www.magmainsurance.com\n• Toll Free Number: 1800 266 3202\n• Email: customercare@magmainsurance.com For Senior Citizens -\n• Email: namaskar@magmainsurance.com\n• Dedicated Helpline: 022-62605766 The customer may also reach out to the Branch Grievance Redressal Officer (GRO) Email address: customercare@magmainsurance.com ... If the Insured Person is not satisfied with the grievance redressal through the above channels, they may contact the Grievance Officer at:\nMagma General Insurance Ltd. Equinox Business Park, Tower 3, Ambedkar Nagar, 2nd Floor, Unit No. 1B and 2B, LBS Marg, Kurla (West), Mumbai – 400070, Maharashtra, India. Email: gro@magmainsurance.com","sources":[{"clause":"4.1.16","heading":"Redressal of Grievance","page":24,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-4-1-16"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Sum insured options are 5L, 7.5L, 10L, 15L, 20L, 25L, 30L, 50L, 75L and 100L.","display":"5L, 7.5L, 10L, 15L, 20L, 25L, 30L, 50L, 75L, 100L","note":null,"quote":"Sum Insured | (I - 5L, 7.5L, 10L, 15L) (II - 20L, 25L, 30L, 50L, 75L, 100L)","sources":[{"clause":"Annexure III","heading":null,"page":45,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-annexure-iii"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 Days","note":"Illness claims within 30 days are excluded except accidents; the exclusion does not apply after more than twelve months of continuous coverage.","quote":"Initial Waiting Period | 30 Days","sources":[{"clause":"Annexure III","heading":null,"page":45,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-annexure-iii"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Can be reduced to 24 months if the optional waiting period reduction is opted and mentioned in the policy schedule.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months. The waiting period would be reduced to 24 months if the same is opted and mentioned in policy schedule;","sources":[{"clause":"3.1.1","heading":"Pre-Existing Diseases (Code- Excl01)","page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-3-1-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"If a listed disease or procedure is also a pre-existing disease, the longer waiting period applies.","quote":"Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage, as may be the case after the date of inception of the first policy with the Insurer. This exclusion shall not be applicable for claims arising due to an accident.","sources":[{"clause":"Excl02(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-excl02-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Cataract","Stones in biliary and urinary systems","Hernia / Hydrocele","Hysterectomy for any benign disorder","Lumps / cysts / nodules / polyps / internal tumours","Gastric and Duodenal Ulcers","Surgery on tonsils / adenoids","Osteoarthrosis / Arthritis / Gout / Rheumatism / Spondylosis / Spondylitis / Intervertebral Disc Prolapse","Fissure / Fistula / Haemorrhoid","Sinusitis / Deviated Nasal Septum / Tympanoplasty / Chronic Suppurative Otitis Media","Benign Prostatic Hypertrophy","Knee/Hip Joint replacement and any ligament, tendon or muscle tear","Dilatation and Curettage","Varicose veins","Dysfunctional Uterine Bleeding / Fibroids / Prolapse Uterus / Endometriosis","Chronic Renal Failure or end stage Renal Failure","Internal congenital anomalies/diseases/ defects except for newborns and infants"],"display":"Cataract; stones; hernia/hydrocele; hysterectomy; lumps/cysts/nodules/polyps/internal tumours; ulcers; tonsils/adenoids; arthritis and spine disorders; fissure/fistula/haemorrhoid; sinusitis/DNS/tympanoplasty/CSOM; BPH; knee/hip replacement and ligament/tendon/muscle tear; D&C; varicose veins; DUB/fibroids/prolapse uterus/endometriosis; chronic or end-stage renal failure; internal congenital anomalies except newborns and infants","note":null,"quote":"List of these diseases is:\n1. Cataract\n2. Stones in biliary and urinary systems\n3. Hernia / Hydrocele\n4. Hysterectomy for any benign disorder\n5. Lumps / cysts / nodules / polyps / internal tumours\n6. Gastric and Duodenal Ulcers\n7. Surgery on tonsils / adenoids\n8. Osteoarthrosis / Arthritis / Gout / Rheumatism / Spondylosis / Spondylitis / Intervertebral Disc Prolapse\n9. Fissure / Fistula / Haemorrhoid\n10. S i n u s i t i s / D e v i a t e d N a s a l S e p t u m / Ty m p a n o p l a s t y / Chronic Suppurative Otitis Media\n11. Benign Prostatic Hypertrophy\n12. Knee/Hip Joint replacement and any ligament, tendon or muscle tear\n13. Dilatation and Curettage\n14. Varicose veins\n15. Dysfunctional Uterine Bleeding / Fibroids / Prolapse Uterus / Endometriosis\n16. Chronic Renal Failure or end stage Renal Failure\n17. Internal congenital anomalies/diseases/ defects except for newborns and infants","sources":[{"clause":"Excl02(e)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-excl02-e"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sum insured, sixty continuous months applies from the date of enhancement on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"4.1.12","heading":"Moratorium Period","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-4-1-12"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person can port the entire policy to another insurer by applying at least 45 days before, but not earlier than 60 days from, the policy renewal date. If continuously covered without lapses under an Indian general or health insurer, the proposed insured person gets accrued continuity benefits in waiting periods as per IRDAI portability guidelines.","display":"Porting allowed with waiting-period continuity credit","note":null,"quote":"The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 45 days before, but not earlier than 60 days from the policy renewal date as per IRDAI Guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"4.1.9","heading":"Portability","page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-4-1-9"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Lifetime renewability","note":null,"quote":"• Lifetime renewability.","sources":[{"clause":null,"heading":"ONEHEALTH- EXTRA COVER","page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12338#c-onehealth-extra-cover"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading shall be applied at renewal on the basis of individual claim experience.","display":"No loading at renewal based on individual claim experience","note":null,"quote":"No loading shall be applied at the time of Renewal on the basis of individual claim experience.","sources":[{"clause":"5.1","heading":"Loading","page":25,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-5-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel during the term by giving 7 days' written notice. For terms up to one year, the insurer refunds proportionate premium for the unexpired policy period if no claim has been made; for policies over one year, it refunds premium for unexpired policy years whose risk coverage has not commenced.","display":"7 days' written notice; proportionate refund for unexpired period if no claim for terms up to one year","note":null,"quote":"i) The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Insurer shall\na) Refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period.\nb) Refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.","sources":[{"clause":"4.1.7","heading":"Cancellation/ Termination (other than Free","page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-4-1-7"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The base policy applies to events within India. Worldwide Emergency Hospitalization Cover and Personal Accident Optional Covers are exceptions; admitted or payable claims are settled in India in Indian rupees except worldwide emergency hospitalisation.","display":"India, except Worldwide Emergency Hospitalization Cover and Personal Accident Optional Covers","note":null,"quote":"The geographical scope of this Policy applies to events within India other than for Worldwide. Emergency Hospitalization Cover and for Personal Accident Optional Covers. However, all admitted or payable claims shall be settled in India in Indian rupees other than for Worldwide Emergency Hospitalization.","sources":[{"clause":"4.2.6","heading":"Geographical Scope","page":25,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-4-2-6"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applies on new individual health insurance policies and not on renewals or at the time of porting/migrating.","quote":"The insured shall be allowed a free look provision of thirty days from date of receipt of the Policy document to review the terms and conditions of the Policy, and to return the same if not acceptable.","sources":[{"clause":"4.1.15","heading":"Free Look Provision","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-4-1-15"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly mode; 30 days in all other cases","note":"The renewal clause also states the policy can be renewed within the Grace Period of 30 days to maintain continuity, but the instalment clause gives 15 days for monthly premium mode and 30 days in all other cases.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"4.1.13","heading":"Premium Payment in Instalments (Wherever","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-4-1-13"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"For individual policies, minimum entry age is 5 years. For a family floater policy, a dependent child or grandchild can be of minimum age 91 days, and there is no cap on maximum entry age.","display":"Minimum 5 years for individual; 91 days for dependent child or grandchild under family floater; no maximum entry age cap","note":null,"quote":"• For individual Policies, minimum entry age is 5 years\n• For Family Floater Policy dependent child, grandchild can be of age minimum 91 days. ... • No cap on maximum entry age.","sources":[{"clause":null,"heading":"ONEHEALTH- EXTRA COVER","page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12338#c-onehealth-extra-cover"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Half Yearly","Quarterly","Monthly"],"display":"Half Yearly, Quarterly or Monthly","note":null,"quote":"If the Insured Person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in the Policy Schedule/Certificate of Insurance","sources":[{"clause":"4.1.13","heading":"Premium Payment in Instalments (Wherever","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-4-1-13"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Guaranteed Cumulative Bonus (GCB)","Non-payable expense Cover","Personal Accident Cover","Worldwide Hospitalization Cover","Reduction of Pre existing disease waiting period"],"display":"Guaranteed Cumulative Bonus, Non-payable expense Cover, Personal Accident Cover, Worldwide Hospitalization Cover, Reduction of Pre existing disease waiting period","note":"These optional covers apply only if opted by paying extra premium or if specified in the policy schedule.","quote":"B. Optional Covers: 2.B.1 Guaranteed Cumulative Bonus (GCB) ... 2.B.2 Non-payable expense Cover: ... 2.B.3 Personal Accident Cover ... 2.B.4 Worldwide Hospitalization Cover ... 2.B.5 Reduction of Pre existing disease waiting period","sources":[{"clause":"1.2(V)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-v-3"},{"clause":"Row 3(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-row-3-b"},{"clause":"Row 3(j)(v)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-row-3-j-v"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage will not be available from the due date of instalment premium till the date the company receives premium during the grace period.","display":"Coverage not available during grace period until premium is received","note":"The renewal clause also says coverage is not available during the grace period.","quote":"During such grace period, coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company.","sources":[{"clause":"4.1.13","heading":"Premium Payment in Instalments (Wherever","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-4-1-13"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"There is no capping on room rent; the policy pays reasonable and necessary room rent, boarding charges and qualified nurse's charges for admissible and payable treatment.","display":"No Capping","note":null,"quote":"There will not be any capping on the room rent and we will pay reasonable and necessary room rent and other boarding charges and qualified nurse’s charges incurred at the Hospital for treatment of an Illness or Injury which is admissible and payable under the Policy.","sources":[{"clause":"1.2(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-c-5"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"quote-verified","value":"The insured can opt for any room without room rent capping.","display":"Any room; no capping","note":null,"quote":"Room Rent Capping: Insured can opt for any room without any capping.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12413#c-s7"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"not-stated","value":null,"display":null,"note":"The policy covers ICU Charges under inpatient care but does not state a separate ICU per-day limit in the cited schedule of benefits.","quote":null,"sources":[],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-applicable","value":null,"display":null,"note":"The policy states there is no room rent capping, so there is no room category or room rent limit above which proportionate deduction would apply.","quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":"The documents define co-payment but do not state a co-payment percentage for this product.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"Aggregate policy deductible applies on a cumulative basis during a policy year. Options are 2L, 3L, 4L, 5L, 7.5L, 10L, 15L and 20L, depending on the sum insured option band.","display":"Aggregate deductible options: 2L, 3L, 4L, 5L, 7.5L, 10L, 15L, 20L","note":null,"quote":"Aggregate policy deductible refers to a specified rupee amount the policyholder needs to pay against medical expenses on cumulative basis under the policy during a policy year before the liability of the Insurer arises. ... Deductible | (I - 2L, 3L, 4L,5L, 7.5L) (II - 5L, 7.5L, 10L, 15L, 20L)","sources":[{"clause":"1.2","heading":"Specific Definitions","page":10,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2"},{"clause":"Annexure III","heading":null,"page":45,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-annexure-iii"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":"The current policy wording schedule does not state disease or procedure sub-limits for the base product.","quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 Days","note":"Payable when the related inpatient claim is admitted.","quote":"Pre-Hospitalisation Expenses | 60 Days","sources":[{"clause":"Annexure III","heading":null,"page":45,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-annexure-iii"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 Days","note":"Payable when the related inpatient claim is admitted.","quote":"Post-Hospitalisation Expenses | 90 Days","sources":[{"clause":"Annexure III","heading":null,"page":45,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-annexure-iii"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day care treatment is covered for listed day care treatments in Annexure III. OPD treatment in a hospital or day care centre is not covered under this benefit, and pre- and post-hospitalisation expenses are not payable under it.","display":"Covered for listed day care treatments","note":null,"quote":"2.A.4 Day Care Treatment We will cover the medical expenses incurred on your day care treatment on the recommendation of a medical practitioner following an Illness or Injury which occurs during the policy period provided that the medical expenses incurred are for medically necessary treatment and up to the limits specified in the policy schedule / product benefits table. Any OPD treatment undertaken in a Hospital/Day Care Centre will not be covered under this Benefit. Pre-hospitalization Medical Expenses and Post- hospitalization Medical Expenses are not payable under this Benefit. Please refer to Annexure III for list of Day Care Treatments.","sources":[{"clause":"1.2(j)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-j"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary hospitalisation is covered if it continues for an uninterrupted period of at least 3 days and the condition would otherwise have needed hospitalisation, provided the doctor confirms the patient cannot be transferred to a hospital or a hospital bed was unavailable.","display":"Covered after at least 3 days, if transfer is not possible or hospital bed unavailable","note":null,"quote":"2.A.6 Domiciliary Hospitalisation We will cover the medical expenses incurred for your domiciliary Hospitalization during the policy period following an illness or injury that occurs during the policy period provided that the domiciliary hospitalization continues for an uninterrupted period of at least 3 days and the condition for which treatment is taken would otherwise have necessitated hospitalization as long as either ... a) the attending medical practitioner confirms in writing that you cannot be transferred to a hospital or ... b) you satisfy us that a hospital bed was unavailable.","sources":[{"clause":"1.2(j)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-j"},{"clause":"1.2(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-a-3"},{"clause":"1.2(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-b-3"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"AYUSH inpatient treatment is covered in specified AYUSH hospitals, with maximum liability limited to the amount provided in the policy schedule or product benefits table.","display":"Covered, up to the amount in the Policy Schedule/Product Benefits Table","note":null,"quote":"2.A.7 AYUSH Treatment We will cover your medical expenses incurred for inpatient care during the policy period on treatment taken under AYUSH Treatment in: ... Our maximum liability will be limited up to the amount provided in the Policy Schedule/Product Benefits Table. Exclusion 3.2.1 does not apply to this Benefit.","sources":[{"clause":"1.2(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-b-3"},{"clause":"1.2(c)(iv)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-c-iv"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"Modern treatment procedures are covered when medically indicated, either as inpatient treatment or day care treatment, including pre- and post-hospitalisation expenses up to the limit in the product benefit table or policy schedule. Listed examples include uterine artery embolization and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, intra vitreal injections, robotic surgeries, stereotactic radio surgeries and stem cell therapy for specified haematological conditions.","display":"Covered for listed modern treatment procedures","note":null,"quote":"The following procedures will be covered (wherever medically indicated) either as in-patient (Section 2.A.1) or as part of day care treatment in a hospital (Section 2.A.4), including pre & post Hospitalization expenses up to the limit as specified in the product benefit table / policy schedule, during the policy period:\n• Uterine Artery Embolization and HIFU (High intensity focused ultrasound)\n• Balloon Sinuplasty\n• Deep Brain stimulation\n• Oral chemotherapy\n• Immunotherapy- Monoclonal Antibody to be given as injection\n• Intra vitreal injections\n• Robotic surgeries\n• Stereotactic radio surgeries\n• Bronchical Thermoplasty\n• Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)\n• IONM - (Intra Operative Neuro Monitoring)\n• Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.","sources":[{"clause":"1.2(c)(iv)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-c-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"Organ donor inpatient hospitalisation expenses for the insured person's organ transplant surgery are covered, provided the organ donor conforms to applicable transplant laws, the organ is for the insured person and the insured person's inpatient claim is admitted. Pre- and post-hospitalisation, screening, harvesting-related expenses, organ acquisition costs and donor complications are not covered.","display":"Covered for donor inpatient hospitalisation for the insured's transplant; donor screening, harvesting, acquisition and complication costs excluded","note":null,"quote":"2.A.9 Organ Donor Expenses We will cover the medical expenses incurred towards in- patient Hospitalization of an organ donor for your organ transplant surgery during the Policy Year provided that: ... a) The organ donor conforms to the provisions of The Transplantation of Human Organs Act, 1994 and other applicable laws. ... b) The organ donated is for the use of the Insured Person provided that the Insured Person has undergone an organ transplantation on the basis of Medical Advice; ... c) A claim has been admitted by us under inpatient care under Section 2.A.1 above. Subject to the above, We will not cover: ... Any Pre-hospitalization Medical Expenses, Post-hospitalization Medical Expenses, or screening expenses of the organ donor","sources":[{"clause":"1.2(c)(iv)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-c-iv"},{"clause":"1.2(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-a-5"},{"clause":"1.2(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-b-5"},{"clause":"1.2(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-c-4"},{"clause":"1.2(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-a-6"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance expenses are covered up to Rs. 2000 per hospitalisation for transport to the nearest hospital with adequate facilities in an emergency, if the ambulance is offered by a registered healthcare or ambulance service provider and an inpatient claim is admitted.","display":"Rs. 2000 per hospitalization","note":null,"quote":"We will cover the reasonable and customary charges up to the limit specified in the policy schedule / product benefits table that are incurred towards your transportation by road ambulance to the nearest hospital with adequate facilities in an Emergency following an Illness or Injury which occurs during the policy period provided that the ambulance service is offered by a registered healthcare or ambulance service provider and a claim has been admitted by Us under Inpatient Care under Section 2.A.1 above. ... Ambulance Cover | 2000 per hospitalization","sources":[{"clause":"1.2(j)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-j"},{"clause":"Annexure III","heading":null,"page":45,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-annexure-iii"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"quote-verified","value":"Recharge of sum insured is an inbuilt benefit. If the sum insured and Guaranteed Cumulative Bonus are exhausted due to claims paid during the policy year, the sum insured is recharged by 100% of SI up to 5 times in a policy year; it is triggered after partial or full utilisation, can apply to the same or related illness subject to conditions and a 45-day wait for the same or related illness, is not applicable to optional benefits, and unused recharge is not carried forward.","display":"100% of SI, up to 5 times in a policy year","note":"Recharge is not applicable for optional benefits and unused recharge is not carried forward.","quote":"then the Sum Insured shall be recharged and called Recharge Sum Insured which is equal to 100% of SI for the particular policy year up to 5 times in a Policy Year ... II) The Recharge Sum Insured shall be available for any Accident / Disease / Illness / Injury or any related Accident / Disease / Illness/ Injury ... where the claim is due to same or related illness to which a claim has already been paid, a waiting period of 45 days from the date of discharge from hospital for precedent claim of that illness or injury shall be applicable. ... III) The Recharge Sum Insured will only be allowed up to 5 times during a policy year;","sources":[{"clause":"1.2(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-c-5"},{"clause":"1.2(II)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-ii"},{"clause":"1.2(III)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-iii"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"None in the base cover unless the optional Guaranteed Cumulative Bonus is opted. If opted by paying extra premium, the sum insured increases by 5% every policy year up to a maximum of 50% of sum insured, and the accrued bonus will not be reduced in case of claim.","display":"None unless optional GCB is opted; then 5% per policy year up to 50%","note":"Guaranteed Cumulative Bonus is an optional cover bought for extra premium.","quote":"If this optional cover is opted by paying extra premium, we will increase the Sum Insured by 5% every policy year up to a maximum of 50% of Sum Insured provided that the Policy is renewed with us without a break for and claim free year. ... • The accrued bonus will not be reduced in case of claim.","sources":[{"clause":"1.2(V)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-v-3"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Base cover excludes the listed non-payable items such as gloves, masks and similar items. If the optional Non-payable expense Cover is opted by paying extra premium, the policy covers expenses listed under List I for inpatient care and day care treatment.","display":"Not covered unless optional Non-payable expense Cover is opted","note":"Non-payable expense cover is optional and subject to extra premium.","quote":"2.B.2 Non-payable expense Cover:\n... If this optional cover is opted by paying extra premium, as specified in your policy schedule, we shall also cover the expenses as listed under “List I – Item for which coverage in not available in the policy” of annexure\n... 56 | GLOVES ... 60 | MASK","sources":[{"clause":"Row 3(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-row-3-b"},{"clause":"Annexure II","heading":null,"page":31,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-annexure-ii"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity expenses are excluded, except ectopic pregnancy; expenses towards miscarriage, unless due to an accident, and lawful medical termination of pregnancy are also excluded.","display":"Excluded, except ectopic pregnancy; miscarriage unless due to accident is excluded","note":null,"quote":"3.1.17 Maternity expenses (Code- Excl18) ... i) Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy;\nii) Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.","sources":[{"clause":"3.1.17","heading":"Maternity expenses (Code- Excl18)","page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-3-1-17"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":"The policy defines newborn baby and mentions an exception for internal congenital anomalies for newborns and infants, but does not state a newborn baby cover benefit.","quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"quote-verified","value":"In-patient psychiatric treatment is covered up to the limit mentioned in the policy schedule or product benefits table, provided the hospitalisation is medically necessary and prescribed in writing by a registered mental health specialist or psychiatrist. Related pre- and post-hospitalisation expenses are also covered for the applicable number of days.","display":"In-patient psychiatric treatment covered up to the policy schedule/product benefits table limit","note":null,"quote":"2.A.11 Psychiatric treatment Cover We shall cover medical expenses for in-patient treatment of the insured person during the policy period maximum up to the limit as mentioned in the policy schedule / product benefits table, provided the hospitalization is for medically necessary treatment and prescribed in writing by a registered mental health specialist or psychiatrist. We shall also cover pre & post hospitalization expenses related to such in-patient psychiatric hospitalization up to the no. of days as covered as per relevant sections.","sources":[{"clause":"1.2(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-1-2-c-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":"The documents do not state a free preventive health check-up benefit.","quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"OPD treatment is not covered.","display":"OPD treatment is not covered","note":null,"quote":"OPD treatment is not covered.","sources":[{"clause":"4(b)(iv)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-4-b-iv"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"quote-verified","value":"The brochure says there is no differential geographical pricing.","display":"No differential geographical pricing","note":"From the sales brochure.","quote":"• No differential geographical pricing","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12309#c-s1"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility can be availed only at network providers through the TPA. After establishing admissibility, the TPA gives pre-authorisation to the hospital and pays the network provider directly to the extent approved.","display":"Cashless at network providers through TPA","note":"The latest wording also says authorization shall be issued within 1 hours of complete information and final authorization within 3 hours of the discharge authorization request.","quote":"Cashless facility can be availed only at Our Network Providers. ... Cashless facility will be availed through the TPA. ... After establishing the admissibility of the claim under the Policy, the TPA shall provide a pre-authorisation to the Hospital guaranteeing payment of the Hospitalization expenses subject to the Sum Insured, terms conditions and limitations of the Policy.","sources":[{"clause":"5.3","heading":"Claim Procedure","page":26,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-5-3"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Cashless facility is availed through the TPA; reimbursement claims are submitted to the insurer.","display":"TPA for cashless; insurer for reimbursement","note":null,"quote":"Cashless facility will be availed through the TPA. ... The updated list of TPA containing complete details is available on Our website www. magmainsurance.com. ... For admission in Non-Network Provider or into Network Provider if Cashless facility is not availed (Re-imbursement Claims) (For Domestic Claims as well as Worldwide Hospitalization Cover)","sources":[{"clause":"5.3","heading":"Claim Procedure","page":26,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346#c-5-3"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, Family Floater Policy","note":null,"quote":"This Policy can be offered as an Individual Policy covering one member or as a Family Floater Policy.","sources":[{"clause":null,"heading":"ONEHEALTH- EXTRA COVER","page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12338#c-onehealth-extra-cover"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wording – OneHealth Extra Cover (w.e.f. 1st Oct, 2024)","pages":45,"fetched_at":"2026-10-17 19:46:49+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571075/Policy+Wordings%E2%80%93OneHealth+Extra+Cover+%28w.e.f.+1st+Oct%2C+2024%29.pdf/d2fde9da-9dab-2d41-110e-2dc4c5dce205?t=1786952813216","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12346"},{"kind":"wording","label":"Policy Wording – OneHealth Extra Cover (effective till 30th Sep, 2024)","pages":40,"fetched_at":"2026-10-17 19:46:57+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Policy+Wording+%E2%80%93+OneHealth+Extra+Cover.pdf/2566123f-9232-015d-2fe7-cf51f942d949?t=1735724352785","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12350"},{"kind":"wording","label":"Policy Wording- OneHealth Extra Cover (effective till 30th Aug,2024)","pages":40,"fetched_at":"2026-10-17 19:47:06+00","source_url":"https://www.magmainsurance.com/documents/5553002/16463632/Policy+Wording-+OneHealth+Extra+%28w.e.f.1st+April%2C2024%29.pdf/b69a06ec-9327-d30e-33f2-3c45aaf62fdd?t=1739770620324","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12353"},{"kind":"wording","label":"Policy Wording- OneHealth Extra Cover (effective till 31st Mar 2024 )","pages":42,"fetched_at":"2026-10-17 19:47:14+00","source_url":"https://www.magmainsurance.com/documents/5553002/16463632/Policy+Wordings_OneHealth+Extra+Cover.pdf/a8c3e4f2-8eb1-9aa1-436b-ae95bc7f47a0?t=1789042460574","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12359"},{"kind":"prospectus","label":"Prospectus - 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OneHealth - Extra cover - Hindi","pages":8,"fetched_at":"2026-10-17 19:49:22+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/CIS+%E2%80%93+OneHealth+-+Extra+cover+-+Hindi+-+2025.pdf/91b08c2f-4f3f-1848-9431-b3bc8d9f750c?t=1765709988432","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12418"},{"kind":"cis","label":"Customer Information Sheet - OneHealth - Extra cover - Bengali","pages":8,"fetched_at":"2026-10-17 19:49:29+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/Customer+Information+Sheet+OneHealth+Extra+Cover+%28w.e.f.+1st+Oct%2C+2024%29_Bengali.pdf/9160c225-0a58-2c6c-45ee-365290dd2c81?t=1789042530651","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12421"},{"kind":"cis","label":"Customer Information Sheet - OneHealth - Extra cover - Marathi","pages":7,"fetched_at":"2026-10-17 19:49:36+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/Customer+Information+Sheet+OneHealth+Extra+Cover+%28w.e.f.+1st+Oct%2C+2024%29_Marathi.pdf/4bb56d5e-d7cf-12e3-ed1e-36e9db45da02?t=1765709984321","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223/document/12424"},{"kind":"cis","label":"Customer Information Sheet - 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We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.magmainsurance.com/web/magmainsurance/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.magmainsurance.com/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renewal","url":"https://www.magmainsurance.com/renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"OneHealth Extra Cover (UIN MAGHLIP23047V012223), IndiaInsurances, https://indiainsurances.com/policy/magma-general-insurance/onehealth-extra-cover-maghlip23047v012223"}