{"uin":"MAGHLIP23048V012223","name":"OneHealth Senior","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223","insurer":{"slug":"magma-general-insurance","name":"Magma General Insurance Limited","url":"https://indiainsurances.com/insurer/magma-general-insurance"},"line":"health","category":"health-senior","category_name":"Senior citizen health","irdai_type":"Revision","kind":"product","status":"active","approved_on":"2022-03-07","withdrawn_on":null,"summary":"OneHealth Senior is a health indemnity policy for persons aged 56 years and above, available as an individual policy or a two-member spousal floater in Gold and Platinum plans. It has a 12-month pre-existing disease waiting period, a 30% co-payment except accident claims, and optional covers including OPD, recharge of sum insured and cumulative bonus.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:46:04.948746+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":"quote-verified","value":["Gold","Platinum"],"display":"Gold and Platinum","note":null,"quote":"Plan Name | Sum Insured options\nGold | 3 Lakh / 4 Lakh / 5 Lakh/ 7.5 lakh/ 10 Lakh/ 15 Lakh/ 20 lakh/ 25 Lakh\nPlatinum | 3 Lakh / 4 Lakh / 5 Lakh/ 7.5 lakh/ 10 Lakh/ 15 Lakh/ 20 lakh/ 25 Lakh","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12325#c-s1"}],"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, 2 years or 3 years","note":null,"quote":"Policy Period The Policy will be issued for 1 year or 2 years or 3 years period.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12325#c-s1"}],"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 claims, 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 given to the insurer on the same timelines.","display":"Planned hospitalisation: at least 72 hours before admission; emergency hospitalisation: within 24 hours of admission","note":null,"quote":"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 ... 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":null,"heading":"1. For Availing Cashless Facility","page":31,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-1-for-availing-cashless-facility"}],"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 describing the nature of the complaints and its duration, treatment given, advice on discharge etc. issued by the Hospital.","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 (including advance and final Hospital settlement receipts).","All test reports for X-rays, ECG, Scan, MRI, Pathology etc., including the Medical Practitioner’s prescription advising such tests/investigations","Medical Practitioner’s prescriptions with cash bills for medicines purchased from outside the Hospital.","F.I.R/MLC. in the case of Accidental Injury and English translation of the same, if in any other language.","Legal heir certificate in the absence of nomination under the Policy, in case of death of the Insured Person.","Copies of health insurance policies held with any other insurer covering the Insured Person(s)."],"display":"Claim form, medical reports and prescriptions, discharge summary, original bills and receipts, accident FIR/MLC where applicable, and other supporting documents","note":"The policy also lists condition-specific and additional documents such as death summary, post mortem report, legal heir certificate, cataract/PTCA stickers, domiciliary certificate, air ambulance documents and any other document necessary in support of the claim.","quote":"Relevant 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. ... f) Hospital receipts / bills / cash memos in original (including advance and final Hospital settlement receipts). ... i) F.I.R/MLC. in the case of Accidental Injury and English translation of the same, if in any other language. ... l) Copies of health insurance policies held with any other insurer covering the Insured Person(s).","sources":[{"clause":null,"heading":"1. For Availing Cashless Facility","page":31,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-1-for-availing-cashless-facility"}],"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":"quote-verified","value":"The company shall settle or reject a claim within 15 days from the date of intimation along with the requisite documents. Delay beyond 15 days attracts interest at 2% above the bank rate from that date till payment.","display":"15 days from intimation along with requisite documents","note":null,"quote":"The Company shall settle or reject a claim, as may be the case, within 15 days from the date of intimation (along with the requisite documents). ... In case of delay beyond stipulated 15 days, the Company shall be liable to pay interest to the Policyholder at a rate 2% above the bank rate","sources":[{"clause":"4.1.3(i)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-4-1-3-i"},{"clause":"4.1.3(ii)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-4-1-3-ii"}],"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":"quote-verified","value":["Pre-Existing Diseases (Code- Excl01)","Specific Diseases Waiting Period (Code- Excl02)","First Thirty Days Waiting Period (Code- Excl03)","Investigation & Evaluation (Code Excl04)","Rest Cure, Rehabilitation and respite Care (Code Excl05)","Cosmetic or Plastic Surgery (Code Excl08)","Hazardous or Adventure sports: (Code- Excl09)","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.(Code- Excl12)","Maternity expenses (Code Excl18)","Any Alternative Treatment except for the Benefits under Section 2.A.7 (AYUSH Treatment)","OPD treatment is not covered.","Any treatment received outside India."],"display":"Waiting-period exclusions, standard exclusions such as investigation, rest cure, cosmetic surgery and hazardous sports, and product exclusions such as alternative treatment except AYUSH, OPD and treatment outside India","note":null,"quote":"Pre-Existing Diseases (Code- Excl01) ... Specific Diseases Waiting Period (Code- Excl02) ... First Thirty Days Waiting Period (Code- Excl03) ... Investigation & Evaluation (Code Excl04) ... Rest Cure, Rehabilitation and respite Care (Code Excl05) ... Cosmetic or Plastic Surgery (Code Excl08) ... Hazardous or Adventure sports: (Code- Excl09) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.(Code- Excl12) ... Maternity expenses (Code Excl18) ... Any Alternative Treatment except for the Benefits under Section 2.A.7 (AYUSH Treatment) ... OPD treatment is not covered. ... Any treatment received outside India.","sources":[{"clause":"3.1.1","heading":"Pre-Existing Diseases (Code- Excl01)","page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-1"},{"clause":"3.1.2","heading":"Specific Diseases Waiting Period (Code- Excl02)","page":20,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-2"},{"clause":"3.1.3","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":20,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-3"},{"clause":"3.1.4","heading":"Investigation & Evaluation (Code Excl04)","page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-4"},{"clause":"3.1.5","heading":"Rest Cure, Rehabilitation and respite Care (Code Excl05)","page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-5"},{"clause":"3.1.8","heading":"Cosmetic or Plastic Surgery (Code Excl08)","page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-8"},{"clause":"3.1.9","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-9"},{"clause":"3.1.12","heading":null,"page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-12"},{"clause":"3.1.18","heading":"Maternity expenses (Code Excl18)","page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-18"},{"clause":"3.2.2","heading":"Any Alternative Treatment except for the Benefits under Section 2.A.7 (AYUSH Treatment)","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-2-2"},{"clause":"3.2.19","heading":null,"page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-2-19"},{"clause":"3.2.23","heading":null,"page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-2-23"}],"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":"First contact the company through its website, customer care email, senior citizen email/helpline, branch GRO or branch/corporate office. If not satisfied, contact the grievance officer at Magma General Insurance Limited; after 30 days from filing, the Insurance Ombudsman may be approached.","display":"Company customer care / senior citizen helpline / Branch GRO, then Grievance Officer, then Insurance Ombudsman after 30 days","note":null,"quote":"In case of any grievance, the insured person may contact the Company through Website: www.magmainsurance.com Email address: customercare@magmainsurance.com. For senior citizens Email address - namaskar@magmainsurance.com Dedicated helpline exclusively for senior citizens - 022-62605766 Customer can also reach out to Branch GRO Email address: Gro@magmainsurance.com ... If Insured Person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at: ... If Insured Person is not satisfied with the redressal of grievance through above methods after the expiry of 30 days from date of filing the complaint, insured person may also approach the office of Insurance Ombudsman","sources":[{"clause":"4.1.16","heading":"Redressal of Grievance","page":27,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#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":"Gold and Platinum each offer sum insured options of 3 Lakh, 4 Lakh, 5 Lakh, 7.5 lakh, 10 Lakh, 15 Lakh, 20 lakh and 25 Lakh.","display":"Rs. 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh and 25 lakh","note":null,"quote":"Gold | 3 Lakh / 4 Lakh / 5 Lakh/ 7.5 lakh/ 10 Lakh/ 15 Lakh/ 20 lakh/ 25 Lakh\nPlatinum | 3 Lakh / 4 Lakh / 5 Lakh/ 7.5 lakh/ 10 Lakh/ 15 Lakh/ 20 lakh/ 25 Lakh","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12325#c-s1"}],"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":"Does not apply if the insured person has continuous coverage for more than twelve months; applies afresh to enhanced sum insured.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"3.1.3","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":20,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-3"}],"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":12},"display":"12 months","note":"Coverage after the waiting period is subject to the PED being declared at application and accepted by the insurer.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 12 months","sources":[{"clause":"3.1.1","heading":"Pre-Existing Diseases (Code- Excl01)","page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#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":"This exclusion is not applicable for claims arising due to an accident.","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","sources":[{"clause":"3.1.2(a)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-2-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"],"display":"Cataract; stones; hernia/hydrocele; hysterectomy; lumps/cysts/nodules/polyps/internal tumours; gastric and duodenal ulcers; tonsils/adenoids; arthritis and spine/disc conditions; fissure/fistula/haemorrhoid; sinus/DNS/ear procedures; BPH; joint replacement and ligament/tendon/muscle tear; D&C; varicose veins; uterine bleeding/fibroids/prolapse/endometriosis; chronic/end stage renal failure; internal congenital anomalies","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. Sinusitis / Deviated Nasal Septum / Tympanoplasty / Chronic Suppurative Otitis Media\n11. Benign Prostatic Hypertrophy\n12. Knee/Hip Joint replacement and any ligament, tendon or muscle tear 13.Dilatation and Curettage\n14. Varicose veins\n15. Dysfunctional Uterine Bleeding / Fibroids / Prolapse Uterus / Endometriosis\n16. Chronic Renal Failure or end stage Renal Failure 17.Internal congenital anomalies/diseases/defects","sources":[{"clause":"3.1.2(e)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-2-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 only 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.","sources":[{"clause":"4.1.12","heading":"Moratorium Period","page":26,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#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 may port the policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the renewal date. If continuously covered without lapses under an Indian general or health insurer, accrued continuity benefits in waiting periods are carried as per IRDAI portability guidelines.","display":"Allowed; apply 30 to 60 days before renewal and carry waiting-period credits as per IRDAI guidelines","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 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI Guidelines related to portability. ... 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":26,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#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":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12325#c-s1"}],"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 claim-based renewal loading","note":"Risk loading may apply from inception or for increase in sum insured based on declarations and health status.","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":30,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#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":"quote-verified","value":["Investigation & Evaluation (Code Excl04)","Rest Cure, Rehabilitation and respite Care (Code Excl05)","Obesity/Weight Control (Code Excl06)","Change of Gender treatment (Code Excl07)","Cosmetic or Plastic Surgery (Code Excl08)","Hazardous or Adventure sports: (Code- Excl09)","Breach of law (Code Excl10)","Excluded Providers (Code Excl11)","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.(Code- Excl12)","Treatment received in heath hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error (Code Excl15)","Unproven treatments (Code Excl16)","Sterility and Infertility (Code Excl17)","Maternity expenses (Code Excl18)","Any Alternative Treatment except for the Benefits under Section 2.A.7 (AYUSH Treatment)","OPD treatment is not covered.","Any treatment received outside India.","Treatment for sleep apnea, snoring, or any other sleep-related breathing problem."],"display":"Standard exclusions Excl04 to Excl18 plus product exclusions such as alternative treatment except AYUSH, OPD, outside-India treatment and sleep-related breathing problems","note":"Excl01 to Excl03 are waiting-period exclusions and are not included here.","quote":"Investigation & Evaluation (Code Excl04) ... Rest Cure, Rehabilitation and respite Care (Code Excl05) ... Obesity/Weight Control (Code Excl06) ... Change of Gender treatment (Code Excl07) ... Cosmetic or Plastic Surgery (Code Excl08) ... Hazardous or Adventure sports: (Code- Excl09) ... Breach of law (Code Excl10) ... Excluded Providers (Code Excl11) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.(Code- Excl12) ... Treatment received in heath hydros, nature cure clinics, spas or similar establishments ... Dietary supplements and substances that can be purchased without prescription ... Refractive Error (Code Excl15) ... Unproven treatments (Code Excl16) ... Sterility and Infertility (Code Excl17) ... Maternity expenses (Code Excl18) ... Any Alternative Treatment except for the Benefits under Section 2.A.7 (AYUSH Treatment) ... OPD treatment is not covered. ... Any treatment received outside India. ... Treatment for sleep apnea, snoring, or any other sleep-related breathing problem.","sources":[{"clause":"3.1.4","heading":"Investigation & Evaluation (Code Excl04)","page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-4"},{"clause":"3.1.5","heading":"Rest Cure, Rehabilitation and respite Care (Code Excl05)","page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-5"},{"clause":"3.1.6","heading":"Obesity/Weight Control (Code Excl06)","page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-6"},{"clause":"3.1.7","heading":"Change of Gender treatment (Code Excl07)","page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-7"},{"clause":"3.1.8","heading":"Cosmetic or Plastic Surgery (Code Excl08)","page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-8"},{"clause":"3.1.9","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-9"},{"clause":"3.1.10","heading":"Breach of law (Code Excl10)","page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-10"},{"clause":"3.1.11","heading":"Excluded Providers (Code Excl11)","page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-11"},{"clause":"3.1.12","heading":null,"page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-12"},{"clause":"3.1.13","heading":null,"page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-13"},{"clause":"3.1.14","heading":null,"page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-14"},{"clause":"3.1.15","heading":"Refractive Error (Code Excl15)","page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-15"},{"clause":"3.1.16","heading":"Unproven treatments (Code Excl16)","page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-16"},{"clause":"3.1.17","heading":"Sterility and Infertility (Code Excl17)","page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-17"},{"clause":"3.1.18","heading":"Maternity expenses (Code Excl18)","page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-1-18"},{"clause":"3.2.2","heading":"Any Alternative Treatment except for the Benefits under Section 2.A.7 (AYUSH Treatment)","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-2-2"},{"clause":"3.2.19","heading":null,"page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-2-19"},{"clause":"3.2.23","heading":null,"page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-2-23"},{"clause":"3.2.22","heading":null,"page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-3-2-22"}],"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, proportionate premium for the unexpired period is refunded if no claim is made; for terms over one year, premium is refunded for unexpired policy years where risk coverage has not commenced.","display":"7 days' written notice; proportionate unexpired premium for up to 1-year term if no claim; unexpired future-year premium for terms over 1 year","note":null,"quote":"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 Look cancellation)","page":25,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#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 policy applies to events within India, except for Worldwide Emergency Hospitalization Cover and Personal Accident Optional Covers; admitted or payable claims are settled in India in Indian rupees except for Worldwide Emergency Hospitalization.","display":"India, with stated exceptions for 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":29,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#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":"conflicting","value":{"unit":"days","amount":30},"display":"thirty days from date of receipt of the Policy document","note":"Policy wording says the 30 days run from receipt of the policy document. CIS says: 'within 30 days from the beginning of the policy.'","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":27,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-4-1-15"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12375#c-s7"}],"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; 30 days in all other cases","note":"Renewal clause separately states the policy can be renewed within the Grace Period of 30 days.","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 applicable)","page":26,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#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, the minimum entry age is 56 years. There is no cap on maximum entry age.","display":"Minimum 56 years; no maximum entry age cap","note":null,"quote":"• For individual Policies, minimum entry age is 56 years.\n• No cap on maximum entry age.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12325#c-s1"}],"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":"The documents provided explicitly list these instalment modes.","quote":"Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly","sources":[{"clause":"4.1.13","heading":"Premium Payment in Instalments (Wherever applicable)","page":26,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#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":["Enhanced Post hospitalization Cover","Reduction in Co-payment","Nursing at Home","Hospital Daily Cash","OPD Cover","Recharge of Sum Insured","Cumulative Bonus","Non-payable expense Cover","Increase in Co-payment"],"display":"Enhanced post-hospitalisation, co-payment reduction, nursing at home, hospital daily cash, OPD, recharge, cumulative bonus, non-payable expense cover and co-payment increase","note":null,"quote":"B. Optional Covers ... 2.B.1 Enhanced Post hospitalization Cover ... 2.B.2 Reduction in Co-payment: ... 2.B.3 Nursing at Home ... 2.B.4 Hospital Daily Cash ... 2.B.5 OPD Cover ... 2.B.6 Recharge of Sum Insured ... 2.B.7 Cumulative Bonus ... 2.B.8 Non-payable expense Cover: ... 2.B.9 Increase in Co-payment:","sources":[{"clause":null,"heading":"B. Optional Covers","page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-b-optional-covers"},{"clause":null,"heading":"2.B.1 Enhanced Post hospitalization Cover","page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-2-b-1-enhanced-post-hospitalization-cover"},{"clause":null,"heading":"2.B.3 Nursing at Home","page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-2-b-3-nursing-at-home"},{"clause":null,"heading":"2.B.4 Hospital Daily Cash","page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-2-b-4-hospital-daily-cash"},{"clause":null,"heading":"2.B.5 OPD Cover","page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-2-b-5-opd-cover"},{"clause":null,"heading":"2.B.6 Recharge of Sum Insured","page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-2-b-6-recharge-of-sum-insured"},{"clause":null,"heading":"2.B.7 Cumulative Bonus","page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-2-b-7-cumulative-bonus"}],"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 is not available during the renewal grace period. For instalment premiums during the policy period, coverage is available during the grace period if the premium is paid in instalments during the policy period.","display":"No cover during renewal grace; cover during instalment grace if premium is paid in instalments during the policy period","note":"The definition clause also says coverage need not be available when no premium is received, but says insurers shall offer coverage during the grace period if premium is paid in instalments during the policy period.","quote":"Coverage is not available during the grace period. ... Coverage shall be available during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":"4.1.10","heading":"Renewal of Policy","page":26,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-4-1-10"},{"clause":"4.1.13","heading":"Premium Payment in Instalments (Wherever applicable)","page":26,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#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.","status":"quote-verified","value":"Gold plan up to Rs. 5 lakh SI has room rent capped at 1% of Sum Insured per day and ICU/ICCU at 2% of Sum Insured per day. Gold plan with SI above 5 lakh and Platinum plan allow Single private AC room, with ICU/ICCU as actual expenses.","display":"Gold up to 5 Lakh SI: room 1% of SI per day, ICU/ICCU 2% of SI per day; Gold >5 Lakh and Platinum: Single private AC room, ICU/ICCU actual","note":"Proportionate deduction applies if admission is to a higher room/category than allowed, except where differential billing is not followed or not adopted for the expense.","quote":"For Gold plan (up to 5 Lakh SI):\nReimbursement or payment of Room Rent and associated charges incurred at the Hospital shall not exceed 1% of the Sum Insured per day. In case of admission to Intensive Care Unit or Intensive Cardiac Care Unit (ICCU), reimbursement or payment of such Medical Expenses shall not exceed 2% of the Sum Insured per day. ... For Gold plan (SI >5 Lakh) and Platinum plan:\nReimbursement or payment of Room Rent and other boarding charges, and Qualified Nurses’ charges incurred at the Hospital shall be as per “Single private AC room” category. In case of admission to Intensive Care Unit or Intensive Cardiac Care Unit (ICCU), reimbursement or payment of such Medical Expenses shall be as per actual expenses.","sources":[{"clause":"Section 2(j)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-section-2-j"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself.","status":"quote-verified","value":"A 30% co-payment applies. It does not apply for accident claims or for procedures where sub-limits are defined; joint replacement has an additional co-pay of 30% for Gold and 20% for Platinum.","display":"30% co-payment; no co-pay for accident claims; joint replacement additional 30% Gold / 20% Platinum","note":"Optional covers can reduce or increase the co-payment.","quote":"A Co-payment of 30% shall be applicable.\nSuch Co-payment shall not be applicable for claim arising out of an Accident.\nFor procedures, where sublimits are defined, above co-pay shall not be applicable. For Joint replacement procedures, additional co-pay of 30% (for Gold plan) and 20% (for Platinum plan) shall be applicable.","sources":[{"clause":"5.2","heading":"Mandatory Co –Payment","page":30,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-5-2-2"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments even if the sum insured is higher.","status":"quote-verified","value":["Cataract: 10% of SI, subject to max Rs. 30,000 per eye (Gold Plan), 10% of SI, subject to max Rs. 50,000 per eye (Platinum Plan)","Major Surgeries: 50% of SI, max Rs. 5L (Gold Plan), 50% of SI (Platinum Plan)","Hernia, Hysterectomy & Prostate procedures: Up to Rs. 30,000 (Gold Plan)"],"display":"Cataract: 10% of SI subject to Rs. 30,000 per eye Gold / Rs. 50,000 per eye Platinum; major surgeries: 50% of SI max Rs. 5L Gold / 50% of SI Platinum; hernia, hysterectomy and prostate: up to Rs. 30,000 Gold, no sub-limit Platinum","note":"From the lower priority brochure; policy wording says these sublimits are as specified in the Policy Schedule/Product Benefits Table.","quote":"a | Cataract | 10% of SI, subject to max Rs. 30,000 per eye | 10% of SI, subject to max Rs. 50,000 per eye\nb | Major Surgeries | 50% of SI, max Rs. 5L | 50% of SI\nc | Hernia, Hysterectomy & Prostate procedures | Up to Rs. 30,000 | No sub-limit","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12304#c-s1"}],"law":[]},{"key":"pre_policy_checkup","label":"Medical tests before buying","section":"Eligibility","meaning":"Whether you need medical tests before the policy is issued.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs before admission that are paid.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days (Gold); 60 days (Platinum)","note":"From the lower priority brochure. Policy wording states the cover is up to the limits specified in the Policy Schedule/Product Benefits Table.","quote":"2 | Pre-hospitalization Expenses | 30 days | 60 days","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12304#c-s1"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs after discharge that are paid.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days, max up to Rs. 7,500 (Gold); 90 days, up to SI (Platinum)","note":"From the lower priority brochure. Optional Enhanced Post Hospitalization can increase Gold post-hospitalisation cover up to 90 days.","quote":"3 | Post-hospitalization Expenses | 60 days, max up to Rs. 7,500 | 90 days, up to SI","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12304#c-s1"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up.","status":"quote-verified","value":"No automatic base restoration is stated. If the optional Recharge of Sum Insured is in force, the insurer provides 100% recharge of the Sum Insured maximum once in a policy year, subject to the listed conditions and only for future base-cover claims.","display":"None unless opted; optional 100% recharge once in a Policy Year","note":"Optional cover; not a base benefit.","quote":"All Optional Covers issued under this Policy shall be subject to the terms, conditions and exclusions of this Policy. ... We will provide 100% Recharge of the Sum Insured maximum once in a Policy Year, provided that: ... The Recharge of Sum Insured shall be available only in respect of Your future claims that become payable under Section 2.A Base Covers of the Policy and shall not be applicable to the first claim in the Policy Year;","sources":[{"clause":null,"heading":"B. Optional Covers","page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-b-optional-covers"},{"clause":null,"heading":"2.B.6 Recharge of Sum Insured","page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-2-b-6-recharge-of-sum-insured"}],"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":"conflicting","value":"Under the optional Cumulative Bonus cover, the policy wording provides 10% of Sum Insured per policy year up to a maximum of 100% of Sum Insured, irrespective of a claim being initiated in the policy year.","display":"Optional: 10% of Sum Insured per Policy Year up to 100%","note":"Policy wording says the optional bonus accrues irrespective of a claim. Prospectus says: 'In a Policy Year, if there are no claims paid or outstanding under Base Covers Section, then at the time of Renewal of the Policy, We shall apply a Cumulative Bonus'.","quote":"We will provide a cumulative Bonus as mentioned below for expiring or renewed Sum Insured (whichever is lower) at the end of each Policy Year irrespective of a claim being initiated in the Policy Year, provided that the Policy has been continuously renewed with the Company. 10% of Sum Insured per Policy Year up to a maximum of 100% of Sum Insured can be accrued.","sources":[{"clause":null,"heading":"2.B.7 Cumulative Bonus","page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-2-b-7-cumulative-bonus"},{"clause":"13","heading":"Organ Donor Expenses","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12325#c-13"}],"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 the insurer's network providers and is availed through the TPA. The TPA provides pre-authorisation to the hospital after claim admissibility is established.","display":"Yes, only at network providers, through the TPA","note":"The authorization shall be issued to the network provider within one hour of receiving complete information, and final authorization within 3 hours of receipt of 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":null,"heading":"1. For Availing Cashless Facility","page":31,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-1-for-availing-cashless-facility"}],"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 claims are availed through the TPA, which provides pre-authorisation. Reimbursement claim intimation and documents are submitted to the insurer.","display":"TPA for cashless; insurer for reimbursement submissions","note":null,"quote":"Cashless facility will be availed through the TPA. ... the TPA shall provide a pre-authorisation to the Hospital ... Preliminary intimation of claim ... must be provided to Us ... The claim form along with the attending Medical Practitioner’s certificate duly filled and signed in all respects with the following claim documents will be submitted to Us","sources":[{"clause":null,"heading":"1. For Availing Cashless Facility","page":31,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327#c-1-for-availing-cashless-facility"}],"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 covering two members","note":"Family floater is limited to two persons related to each other as legally married spouse.","quote":"This Policy can be offered as an Individual Policy covering one member or as a Family Floater Policy covering two members. ... Insured persons under Family Floater must be related to each other as legally married spouse.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12325#c-s1"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings – OneHealth (effective till 30th Sep, 2024)","pages":84,"fetched_at":"2026-10-17 19:45:03+00","source_url":"https://www.magmainsurance.com/documents/5553002/16449206/Policy+Wordings+-+OneHealth.pdf/1831e6d0-798d-3999-5237-359fa1e14c2c?t=1789042450915","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12312"},{"kind":"wording","label":"Policy Wordings – OneHealth Senior (w.e.f. 1st Oct, 2024)","pages":57,"fetched_at":"2026-10-17 19:46:15+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571069/Policy+Wordings+%E2%80%93+OneHealth+Senior+%28w.e.f.+1st+Oct%2C+2024%29.pdf/fea60411-a3f0-444f-7e11-65e3c2d85bbc?t=1789043087188","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12327"},{"kind":"wording","label":"Policy Wordings – OneHealth (effective till 30th Sep 2021)","pages":84,"fetched_at":"2026-10-17 19:46:07+00","source_url":"https://www.magmainsurance.com/documents/5553002/16449206/Policy+Wordings+-+OneHealth+%281%29.pdf/6af4c2d4-e094-d8b3-71cd-1329ae191f84?t=1789042449192","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12329"},{"kind":"wording","label":"Policy Wordings-OneHealth Senior (effective till 31st Mar,2024 )","pages":32,"fetched_at":"2026-10-17 19:46:24+00","source_url":"https://www.magmainsurance.com/documents/5553002/16463588/Policy+Wordings_OneHealth+Senior.pdf/be4a579d-a623-6cdc-a4a9-a001af1be0f2?t=1789042457736","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12333"},{"kind":"wording","label":"Policy Wordings-OneHealth Senior (effective till 30th Aug,2024)","pages":33,"fetched_at":"2026-10-17 19:46:40+00","source_url":"https://www.magmainsurance.com/documents/5553002/16463588/Policy+Wording+-+OneHealth+Senior+%28w.e.f.1st+April%2C2024%29.pdf/d2e9de12-c30d-b8e2-836f-0dcd80097db5?t=1739769799086","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12340"},{"kind":"wording","label":"Policy Wordings – OneHealth Senior (effective till 30th Sep, 2024)","pages":33,"fetched_at":"2026-10-17 19:46:32+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Policy+Wordings%E2%80%93OneHealth+Senior.pdf/7e7a4646-94aa-e23e-ba46-dbbf76f839ef?t=1735722533524","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12342"},{"kind":"wording","label":"Onehealth Senior (IRDAI copy)","pages":65,"fetched_at":"2026-10-20 02:28:35+00","source_url":"https://irdai.gov.in/documents/37343/931203/MAGHLIP22221V042122.pdf/dc8ac644-0792-3fe7-2a66-15f512e86f15?version=1.1&t=1668851708459&download=true","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/28482"},{"kind":"prospectus","label":"Prospectus – OneHealth (effective till 10th Sept, 2023)","pages":21,"fetched_at":"2026-10-17 19:46:01+00","source_url":"https://www.magmainsurance.com/documents/5553002/16449206/Prospectus+-+OneHealth.pdf/5011f9ff-813b-42aa-1e5c-f0aaf3568f9d?t=1789042447889","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12321"},{"kind":"prospectus","label":"Prospectus – OneHealth Senior (w.e.f. 1st Oct, 2024)","pages":25,"fetched_at":"2026-10-17 19:46:09+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571069/Prospectus+%E2%80%93+OneHealth+Senior+%28w.e.f.+1st+Oct%2C+2024%29.pdf/d2b521c2-538e-6c0e-6f3e-226459e3fc3a?t=1784007768788","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12325"},{"kind":"prospectus","label":"Prospectus – OneHealth Senior (effective till 30th Sep, 2024)","pages":21,"fetched_at":"2026-10-17 19:46:17+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Prospectus+-+OneHealth+Senior+%281%29.pdf/4ba18007-c72e-cbdd-d202-d675903e0ebf?t=1735722736340","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12331"},{"kind":"prospectus","label":"Prospectus-OneHealth Senior (effective till 31st Dec, 2023)","pages":11,"fetched_at":"2026-10-17 19:46:34+00","source_url":"https://www.magmainsurance.com/documents/5553002/16463588/Prospectus_OneHealth+Senior.pdf/b23ed618-647a-f757-d2d3-2b0f5fdbf15e?t=1739770056253","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12337"},{"kind":"cis","label":"Customer Information Sheet – OneHealth (effective till 10th Sept,2023)","pages":7,"fetched_at":"2026-10-17 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19:48:09+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/CIS+%E2%80%93+OneHealth+-+OneHealth+Senior+-+Hindi+-+2025.pdf/da667755-ef97-9c85-cdb5-3587601452b5?t=1765709988791","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12378"},{"kind":"cis","label":"Customer Information Sheet - OneHealth Senior - Bengali","pages":9,"fetched_at":"2026-10-17 19:48:16+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/Customer+Information+Sheet+%E2%80%93+OneHealth+Senior+%28w.e.f.+1st+Oct%2C+2024%29_Bengali.pdf/a7a07576-72c9-6af3-a80c-fc5bcebd4825?t=1789042529551","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12382"},{"kind":"cis","label":"Customer Information Sheet - OneHealth Senior - Marathi","pages":8,"fetched_at":"2026-10-17 19:48:23+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/Customer+Information+Sheet+%E2%80%93+OneHealth+Senior+%28w.e.f.+1st+Oct%2C+2024%29_Marathi.pdf/ccc6eb3c-c00e-aef7-a386-276bf6f7ea3b?t=1765709983507","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12386"},{"kind":"cis","label":"Customer Information Sheet – OneHealth Senior - Tamil","pages":20,"fetched_at":"2026-10-17 19:48:31+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/Customer+Information+Sheet+%E2%80%93+OneHealth+Senior+%28w.e.f.+1st+Oct+2024%29-Tamil.pdf/4ff41afb-ac7a-e610-48fa-ff54f8d499f8?t=1789042535822","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12390"},{"kind":"cis","label":"OneHealth Senior - Customer Information Sheet - Malayalam","pages":8,"fetched_at":"2026-10-17 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19:49:00+00","source_url":"https://www.magmainsurance.com/documents/5553002/16463588/CIS+%26+Benefit+Illustration_OneHealth+Senior.pdf/87f4c350-464c-73ad-a7ec-729c33df03a7?t=1789042456235","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12407"},{"kind":"cis","label":"Customer Information Sheet- OneHealth Senior (effective till 31st Dec,2023)","pages":5,"fetched_at":"2026-10-17 19:49:07+00","source_url":"https://www.magmainsurance.com/documents/5553002/16463588/Customer+Information+Sheet+%26+Benefit+Illustration+%E2%80%93+OneHealth+Senior+%28+Effective+till+31st+Dec%2C+2023%29.pdf/aef582bb-25bf-9e64-d3dd-c006c910dd3f?t=1789042455741","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12409"},{"kind":"brochure","label":"Brochure - OneHealth Senior","pages":2,"fetched_at":"2026-10-17 19:44:56+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Brochure+-+OneHealth+Senior.pdf/96eac4ba-fa32-656e-8deb-34ece80025d2?t=1765708592043","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12304"},{"kind":"benefit-illustration","label":"Benefit Illustration – OneHealth Senior","pages":2,"fetched_at":"2026-10-17 19:44:43+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Benefit+Illustration+%E2%80%93+OneHealth+Senior.pdf/02debd93-64f2-9b80-e829-04e0bfc8328c?t=1789044315495","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223/document/12296"}],"versions":[{"uin":"MAGHLIP22221V042122","version":null,"approved_on":null},{"uin":"MAGHLIP23048V012223","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Magma General Insurance official website","url":"https://www.magmainsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","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."}],"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 Senior (UIN MAGHLIP23048V012223), IndiaInsurances, https://indiainsurances.com/policy/magma-general-insurance/onehealth-senior-maghlip23048v012223"}