{"uin":"MAGHLIP25038V062425","name":"OneHealth","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425","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":"Revision","kind":"product","status":"active","approved_on":"2020-04-09","withdrawn_on":null,"summary":"OneHealth is an indemnity health insurance policy available as individual or family floater cover in Support, Secure, Support Plus, Shield and Premium plans. It has a 30 day initial waiting period, 24 month specific disease waiting period, unlimited 100% recharge from the second claim subject to conditions, and plan based room rent limits.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:48:14.176505+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":null,"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, 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-maghlip25038v062425/document/12302#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 reimbursement claims, preliminary intimation must be given at least 72 hours before planned hospitalisation and within 24 hours of admission for emergency hospitalisation. For domestic cashless claims, the TPA must be contacted at least 72 hours before planned admission and within 24 hours of emergency admission.","display":"Planned hospitalisation: at least 72 hours before admission; emergency: within 24 hours of admission","note":null,"quote":"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. ... 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.","sources":[{"clause":"Excl18(a)","heading":"Intimation of claim","page":44,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-a-8"},{"clause":"Excl18(c)","heading":"Zone 3 to Zone 1","page":43,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-c-6"}],"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","Case history / admission- discharge summary","Death summary","Post Mortem Report","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","F.I.R/MLC in the case of Accidental Injury","Legal heir certificate in the absence of nomination","maternity claims, discharge summary mentioning LMP, EDD & Gravida","Cataract claims - IOL sticker","PTCA claims - Stent sticker","Copies of health insurance policies held with any other insurer","Domiciliary Hospitalization claims certificate","Additional documents for Air Ambulance Cover","Additional documents for Worldwide Emergency Hospitalization","Any other document necessary in support of the claim"],"display":"Claim form, medical records, discharge summary, original bills, reports, prescriptions, accident FIR/MLC where applicable, policy copies and special documents for maternity, cataract, PTCA, domiciliary, air ambulance and worldwide emergency claims","note":"The policy also lists death summary, post-mortem report, legal heir certificate, other insurance policy copies, other-insurer settlement certificate, domiciliary certificate, air ambulance documents, worldwide emergency passport/visa/tickets/boarding passes, compassionate visit tickets/boarding passes, indoor records and other applicable records.","quote":"a) Duly completed claim form. ... b) Test reports and prescriptions relating to first / previous consultations for the same or related illness. ... c) 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). ... g) All test reports for X-rays, ECG, Scan, MRI, Pathology etc., including the Medical Practitioner’s prescription advising such tests/investigations (CDs of angiogram, surgery etc. need not be sent unless specifically sought). ... i) F.I.R/MLC in the case of Accidental Injury and English translation of the same, if in any other language. ... k) For a) maternity claims, discharge summary mentioning LMP, EDD & Gravida b) Cataract claims - IOL sticker c) PTCA claims - Stent sticker. ... g) Any other document necessary in support of the claim on case to case basis.","sources":[{"clause":"Excl18(a)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-a-9"},{"clause":"Excl18(b)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-b-9"},{"clause":"Excl18(c)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-c-7"},{"clause":"Excl18(f)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-f"},{"clause":"Excl18(g)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-g"},{"clause":"Excl18(i)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-i-2"},{"clause":"Excl18(k)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-k"},{"clause":"Excl18(g)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-g-2"}],"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":"Claims shall be settled or rejected within 15 days from the date of intimation along with the requisite documents. Delay beyond 15 days carries interest at 2% above the bank rate from the date of intimation with documents until payment.","display":"Within 15 days from intimation with requisite documents; delay interest 2% above bank rate","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 from the date of intimation (along with the requisite documents) till the date of payment.","sources":[{"clause":"Excl18(i)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-i"},{"clause":"Excl18(ii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-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":"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":"First contact Magma General Insurance through customer care, branch GRO or grievance cell. If not satisfied, contact the Grievance Officer at gro@magmainsurance.com before using IRDAI Bima Bharosa or the Insurance Ombudsman route.","display":"Customer care / Branch GRO / grievance cell 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 ... 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. ... Email: gro@magmainsurance.com","sources":[{"clause":"Excl18(d)(vi)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-d-vi"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"The wording says the waiting period can be reduced to 7 days if opted and mentioned in the policy schedule/product benefit table.","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":"Excl03","heading":null,"page":35,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl03-2"}],"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":"not-stated","value":null,"display":null,"note":"The wording says PED expenses are excluded until the expiry of the pre-existing disease waiting period mentioned in the policy schedule/Product Benefits Table, but the product documents provided here do not state the base number of months.","quote":null,"sources":[],"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":"Accident claims are excepted; if a listed disease/procedure also falls under PED waiting, 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.","sources":[{"clause":"Excl02(a)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#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 new born and infant"],"display":"Cataract; stones; hernia/hydrocele; hysterectomy for benign disorder; lumps/cysts/nodules/polyps/internal tumours; gastric and duodenal ulcers; tonsils/adenoids surgery; 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 ligament/tendon/muscle tear; D&C; varicose veins; dysfunctional uterine bleeding/fibroids/prolapse uterus/endometriosis; chronic renal failure; internal congenital anomalies except newborn/infant","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\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 new born and infant","sources":[{"clause":"Excl02(e)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#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 enhancement date 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. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"Excl18(d)(ii)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-d-ii"}],"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 can port the entire policy with all family members to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal date. Accrued continuity benefits in waiting periods are given as per IRDAI portability guidelines if continuously covered without lapses.","display":"Portability allowed with waiting-period continuity, apply 30–60 days before renewal","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. 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":"Excl18(b)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-b-2"}],"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":"The policy wording also says the policy is renewable provided the product is not withdrawn, except for established fraud or non-disclosure or misrepresentation.","quote":"• Lifetime renewability.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12302#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 is applied at renewal on the basis of individual claim experience.","display":"No loading at renewal based on individual claim experience","note":"Risk loading based on proposal declarations and health status may apply from policy inception or on increase in sum insured.","quote":"No loading shall be applied at the time of Renewal on the basis of individual claim experience.","sources":[{"clause":"Excl18(d)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-d-3"}],"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 any time during the term by giving 7 days’ written notice. For policy terms up to one year, proportionate premium for the unexpired period is refunded if no claim is made; for terms over one year, premium for unexpired policy years whose risk coverage has not commenced is refunded.","display":"7 days’ notice; proportionate refund for unexpired period if term up to 1 year and no claim; for multi-year, refund unexpired policy years not yet at risk","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 day’s notice in writing. Insurer shall ... Refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim\n(s) made during the policy period. ... 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":"Excl18(d)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-d"},{"clause":"Excl18(a)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-a-2"},{"clause":"Excl18(b)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-b-2"}],"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. Claims are settled in India in Indian rupees except for Worldwide Emergency Hospitalization.","display":"India, except Worldwide Emergency Hospitalization Cover and Personal Accident optional covers","note":"Global Cover is an optional cover for treatment outside India when diagnosis is made in India, subject to its conditions.","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":"Excl18(d)(vi)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-d-vi"}],"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":"30 days from date of receipt of the Policy document","note":"The policy wording says thirty days from receipt of the Policy document; the lower-priority brochure says 30 days from the policy start date.","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. ... You get 30 days from the policy start date to review the terms and conditions.","sources":[{"clause":"Excl18(d)(vi)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-d-vi"},{"clause":null,"heading":"Free-look Period","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12294#c-free-look-period"}],"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":30},"display":"30 days; 15 days where premium payment mode is monthly","note":"For renewal, the wording also says the policy can be renewed within the Grace Period of 30 days to maintain continuity.","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":"Excl18(d)(ii)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-d-ii"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 instalments","note":"The documents also show one-, two- and three-year policy periods; yearly full-payment is implied by non-instalment policy period pricing but not expressly listed as a premium mode in the cited clause.","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":"Excl18(d)(ii)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-d-ii"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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. If premium is paid in instalments during the policy period, coverage is available during the grace period.","display":"Renewal grace: no coverage; instalment grace: coverage available","note":null,"quote":"At the end of the Policy Period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits with Break in Policy. 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":"Excl18(c)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-c-2"},{"clause":"Excl18(d)(ii)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-d-ii"}],"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":"Support plan: room rent and associated charges are capped at 1% of Sum Insured per day. Secure plan: room rent, boarding and qualified nurse charges are as per Single private room category. Support Plus, Shield and Premium plans have no room rent cap.","display":"Support: 1% of Sum Insured per day; Secure: Single private room category; Support Plus/Shield/Premium: no room rent cap","note":null,"quote":"For Support plan (all Sum Insured):\nReimbursement or payment of Room Rent and associated charges incurred at the Hospital shall not exceed 1% of the Sum Insured per day. ... For Secure plan (all Sum Insured):\nReimbursement of payment of Room Rent and other boarding charges, and Qualified Nurses’ charges incurred at the Hospital shall be as per “Single private room category. ... For Support Plus plan, Shield and Premium plans, there will not be any cap on the Room Rent","sources":[{"clause":"2.1","heading":"Inpatient Care","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-1"}],"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":"Secure plan allows Single private room category. Support plan uses a rupee/percentage cap rather than a room category. Support Plus, Shield and Premium plans have no cap on room rent.","display":"Secure: Single private room category; Support Plus/Shield/Premium: no cap; Support: percentage cap","note":"Secure plan can be modified by the optional Room Rent Modifier to any room category or twin sharing room.","quote":"For Secure plan (all Sum Insured):\nReimbursement of payment of Room Rent and other boarding charges, and Qualified Nurses’ charges incurred at the Hospital shall be as per “Single private room category. ... For Support Plus plan, Shield and Premium plans, there will not be any cap on the Room Rent","sources":[{"clause":"2.1","heading":"Inpatient Care","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-1"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"Support plan: ICU/ICCU expenses are capped at 2% of Sum Insured per day. Secure plan: ICU/ICCU expenses are paid as actual expenses. No separate ICU cap is stated for Support Plus, Shield and Premium plans in the cited room rent clause.","display":"Support: 2% of Sum Insured per day; Secure: actual expenses","note":"The first sentence applies to Support; the second to Secure.","quote":"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. ... 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":"2.1","heading":"Inpatient Care","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-1"}],"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":"quote-verified","value":"For Support, if admitted to a room above the 1% Sum Insured per day limit, associated medical expenses are reduced in the same proportion as admissible room rent bears to actual room rent. For Secure, if admitted above basic single room category, associated expenses are reduced in the same proportion as single private room rate bears to the actual room category used.","display":"Yes, for Support and Secure if room limit/category is exceeded","note":"For Secure, proportionate deductions are not applied in hospitals without differential billing or to expenses where differential billing is not based on room category.","quote":"In case of admission to a room at rates exceeding the aforesaid limits, the reimbursement or payment of all associated Medical Expenses incurred at the Hospital, shall be effected in the same proportion as the admissible rate per day bears to the actual rate per day of Room Rent. ... In case of admission to a room category higher than the basic Single room category (Deluxe, Super deluxe, Suite room and likewise) of the Hospital, the reimbursement or payment of all associated Medical Expenses incurred at the Hospital, shall be effected in the same proportion as the Single private room category rate per day bears to the actual rate per day of the room category utilized.","sources":[{"clause":"2.1","heading":"Inpatient Care","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-1"}],"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":"quote-verified","value":"A mandatory 20% co-payment applies to each admissible claim if the insured person is aged 61 years or more at policy inception, unless the Removal of Mandatory Co Payment is opted. Zone-based co-pay applies for treatment in a higher zone: Zone 2 to Zone 1 25%, Zone 3 to Zone 2 20%, and Zone 3 to Zone 1 35%. Voluntary co-payment may also be opted.","display":"20% if aged 61+ at policy inception; higher-zone co-pay 25%, 20% or 35%; voluntary co-pay optional","note":"Zone co-pay is not applicable for emergency hospitalization and emergency accident treatment outside the applicable zone.","quote":"A 20% Co-Payment on admissible claim amount shall be applicable for each claim if the Insured Person is Aged 61 years or more at the Policy Inception Date. ... Zone 2 to Zone 1: 25% for every claim made ... Zone 3 to Zone 2: 20% for every claim made ... Zone 3 to Zone 1: 35% for every claim made ... For each and every claim You shall bear the percentage of admissible claim amount as opted by You under this Optional Cover and mentioned on Your Policy Schedule irrespective of the Your Age.","sources":[{"clause":"Excl18(d)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-d-3"},{"clause":"Excl18(a)","heading":"Zone 2 to Zone 1","page":43,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-a-7"},{"clause":"Excl18(b)","heading":"Zone 3 to Zone 2","page":43,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-b-7"},{"clause":"Excl18(c)","heading":"Zone 3 to Zone 1","page":43,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-c-6"},{"clause":"4","heading":"Voluntary Co-Payment","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-4"}],"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":"No general domestic base deductible is stated. Deductibles apply only if optional Aggregate Deductible or Per Claim Deductible is chosen; Worldwide Emergency Hospitalization has a deductible as specified in the Product Benefit Table/Policy Schedule, and the optional worldwide cover states Rs. 2 Lakh.","display":"None unless optional deductible is chosen; Worldwide Emergency deductible as specified / Rs. 2 Lakh for optional cover","note":"Aggregate Deductible applies over the policy year; Per Claim Deductible applies to every claim.","quote":"If this cover is opted, the Policy becomes a Top-up policy wherein claim in a Policy Year becomes payable by Us only after deductible limit is crossed. ... If this cover is opted, the Policy becomes a Top-up policy wherein every claim in a Policy Year becomes payable by Us only after deductible limit is crossed. ... Each admissible claim shall be subject to a Deductible of as specified in Product Benefit Table/ Policy Schedule; ... Each admissible claim shall be subject to a Deductible of Rs. 2 Lakh","sources":[{"clause":"3","heading":"Aggregate Deductible","page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-3"},{"clause":"27","heading":"Per Claim Deductible","page":28,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-27"},{"clause":"2.31(e)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-31-e"},{"clause":"10","heading":"Worldwide Emergency Hospitalization","page":25,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-10"}],"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":"quote-verified","value":["Cataract: Support Plan- up to Rs.25,000 per eye per Policy Year","Cataract: Secure and Support Plus plan – up to Rs.35,000 per eye per Policy Year","Cataract: Shield plan – up to Rs.50,000 per eye per Policy Year","Cataract: Premium plan – up to Rs.1,00,000 per eye per Policy Year","specified psychiatric disorders: sub-limit of Rs. 50,000 on cumulative basis"],"display":"Cataract per eye per policy year: Support Rs.25,000, Secure/Support Plus Rs.35,000, Shield Rs.50,000, Premium Rs.1,00,000; specified psychiatric disorders Rs.50,000 cumulative sub-limit","note":"Other benefits may have limits in the policy schedule/Product Benefits Table, but exact product-wide amounts are not stated in the policy wording.","quote":"For Cataract, following sub-limits shall apply:\na) Support Plan- up to Rs.25,000 per eye per Policy Year\nb) Secure and Support Plus plan – up to Rs.35,000 per eye per Policy Year\nc) Shield plan – up to Rs.50,000 per eye per Policy Year\nd) Premium plan – up to Rs.1,00,000 per eye per Policy Year ... For following mental disorders / conditions, shall be covered after a waiting period of 36 months from Policy inception date and a sub-limit of Rs. 50,000 shall be applicable on cumulative basis.","sources":[{"clause":"2.1","heading":"Inpatient Care","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-1"},{"clause":"2.11","heading":"Psychiatric treatment Cover","page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-11"}],"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":"not-stated","value":null,"display":null,"note":"The wording covers pre-hospitalization expenses up to limits specified in the Policy Schedule/Product Benefits Table, but the base number of days is not printed in the provided documents.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The wording covers post-hospitalization expenses up to limits specified in the Policy Schedule/Product Benefits Table, but the base number of days is not printed in the provided documents.","quote":null,"sources":[],"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":"Listed day care treatments are covered when recommended by a medical practitioner for an illness or injury during the policy period, up to the limits specified in the Policy Schedule/Product Benefits Table. OPD treatment in a hospital/day care centre is not covered under this benefit; pre- and post-hospitalization expenses are not payable under this benefit.","display":"Listed day care treatments covered; OPD not covered under day care","note":null,"quote":"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":"2.3","heading":"Post-Hospitalization Expenses","page":10,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-3"}],"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 hospitalization is covered on reimbursement basis if it continues for at least 3 uninterrupted days, the condition would otherwise need hospitalization, and either the doctor confirms in writing that the insured cannot be transferred to a hospital or a hospital bed was unavailable.","display":"Yes, at home for at least 3 uninterrupted days when hospitalisation is otherwise needed and transfer is not possible or bed unavailable","note":null,"quote":"We will on reimbursement basis, 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\na) the attending Medical Practitioner confirms in writing that You cannot be transferred to a Hospital or\nb) You satisfy Us that a Hospital bed was unavailable.","sources":[{"clause":"2.7","heading":"Domiciliary Hospitalization","page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-7"}],"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":"In-patient AYUSH treatment is covered in specified government, teaching or qualified AYUSH hospitals. The maximum liability is up to the Sum Insured.","display":"Yes, inpatient AYUSH treatment up to the Sum Insured","note":null,"quote":"We will, cover Your Medical Expenses incurred for Inpatient Care during the Policy Period on treatment taken under AYUSH Treatment in:\na) Central or State Government AYUSH Hospital; or\nb) Teaching hospital attached to AYUSH College recognized by the Central Government/Central Council of Indian Medicine/Central Council for Homeopathy; or\nc) AYUSH Hospital ... Our maximum liability will be limited up to the Sum Insured.","sources":[{"clause":"2.8","heading":"AYUSH Treatment","page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-8"}],"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, up to the Sum Insured. The list includes uterine artery embolization and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy monoclonal antibody injection, intravitreal injections, robotic surgeries, stereotactic radiosurgeries, bronchial thermoplasty, green/holmium laser prostate vaporization, IONM, and hematopoietic stem cell therapy for bone marrow transplant for haematological conditions.","display":"Covered up to Sum Insured for listed modern treatments including robotic surgeries, oral chemotherapy, immunotherapy and stem cell therapy","note":null,"quote":"The following procedures will be covered (wherever medically indicated) either as in patient (Section 2.1) or as part of day care treatment in a hospital (Section 2.4) up to the Sum Insured, specified in the policy schedule, during the policy period:\n• Uterine Artery Embolization and HIFU (High intensity focused ultrasound) ... • Robotic surgeries ... • Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.","sources":[{"clause":"2.14","heading":"Modern treatment Procedures","page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-14"},{"clause":"2.14(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-14-a"}],"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":"The policy covers in-patient hospitalization medical expenses of an organ donor for the insured person's organ transplant surgery, subject to legal compliance, use of the organ for the insured person, and an admitted inpatient care claim for the insured. It does not cover donor pre/post hospitalization, screening, acquisition costs, or donor complications.","display":"Yes, donor inpatient hospitalisation for the insured’s organ transplant, with exclusions","note":null,"quote":"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:\na) the organ donor conforms to the provisions of The Transplantation of Human Organs Act, 1994 and other applicable laws. ... Subject to the above, We will not cover:\na) Any Pre-hospitalization Medical Expenses, Post-hospitalization Medical Expenses, or screening expenses of the organ donor","sources":[{"clause":"2.6","heading":"Organ Donor Expenses","page":10,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-6"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance charges to the nearest hospital with adequate facilities are covered in an emergency, up to the limit specified in the Policy Schedule/Product Benefits Table, per hospitalization. Air ambulance expenses are covered up to the limit specified in the Policy Schedule/Product Benefits Table for emergency transport by certified airplane or helicopter to the nearest hospital with adequate facilities, subject to conditions.","display":"Road ambulance: per-hospitalisation limit as per Schedule/Product Benefits Table; Air ambulance: as per Schedule/Product Benefits Table","note":"The exact base road ambulance rupee limit is not printed in the policy wording provided.","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 ... This specified limit is per hospitalisation limit. ... We shall cover the expenses up to the limit specified in the Policy Schedule/Product Benefits Table that are incurred towards Your transportation in an airplane or helicopter certified to be used as an ambulance to the nearest Hospital with adequate facilities in an Emergency","sources":[{"clause":"2.5","heading":"Ambulance Cover","page":10,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-5"},{"clause":"2.32","heading":"Air Ambulance Cover","page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-32"}],"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":"The policy provides 100% Recharge of the Sum Insured unlimited times in a policy year from the second claim onwards, when Sum Insured and Cumulative Bonus are insufficient due to previous claims. The recharge is for future payable base-cover claims and is not available for the same illness or injury for the same insured person in the current policy year unless the optional same-illness recharge cover is bought.","display":"100% recharge, unlimited times, from 2nd claim onwards; not for same illness/injury unless optional cover is bought","note":"Optional Cover 13 extends recharge to the same or related illness.","quote":"We will provide 100% Recharge of the Sum Insured unlimited times in a Policy Year from 2nd claim onwards in a policy year, provided that: ... The Sum Insured and Cumulative Bonus (if\nany) is insufficient for a claim as a result of previous claims in that Policy Year; ... The Recharge of Sum Insured shall not be available for claims towards an Illness or Injury (including complications) for which a claim has been paid or accepted as payable in the current Policy Year for the same Insured Person ... The Recharge of Sum Insured shall be available only in respect of Your future claims that become payable under Section 2 Base Covers of the Policy and shall not be applicable to the first claim in the Policy Year;","sources":[{"clause":"2.21","heading":"Recharge of Sum Insured","page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-21"},{"clause":"2.21(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-21-a"},{"clause":"2.21(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-21-b"},{"clause":"2.21(c)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-21-c"}],"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":"Cumulative Bonus is given at the end of each policy year irrespective of claims if the policy is continuously renewed: Support and Secure 10% per policy year up to 50%; Support Plus 10% per policy year up to 100%; Shield 20% per policy year up to 100%; Premium 33.33% per policy year up to 100%. The entire Cumulative Bonus is forfeited if the policy is not continued/renewed before the grace period expires.","display":"Irrespective of claims: Support/Secure 10% up to 50%; Support Plus 10% up to 100%; Shield 20% up to 100%; Premium 33.33% up to 100%","note":null,"quote":"We will provide a cumulative Bonus as mentioned below of 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. ... a) Support plan: 10% of Sum Insured per Policy Year up to a maximum of 50% of Sum Insured\nb) Secure plan: 10% of Sum Insured per Policy Year up to a maximum of 50% of Sum Insured\nc) Support Plus plan: 10% of Sum Insured per Policy Year up to a maximum of 100% of Sum Insured\nd) Shield plan: 20% of Sum Insured per Policy Year up to a maximum of 100% of Sum Insured\ne) Premium plan: 33.33% of Sum Insured per Policy Year up to a maximum of 100% of Sum Insured ... The entire Cumulative Bonus shall be forfeited if the Policy is not continued/Renewed before expiry of the Grace Period.","sources":[{"clause":"2.15","heading":"Cumulative Bonus","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-15"}],"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":"The inpatient cover includes medicines, drugs and other consumables prescribed by the medical practitioner. However, many non-medical and non-payable items are excluded under Annexure II/List I unless the optional Non-payable expense Cover is bought, which covers List I items under inpatient and day care treatment.","display":"Prescribed medicines, drugs and consumables covered; List I non-payable items covered only with optional Non-payable expense Cover","note":null,"quote":"f) Medicines, drugs and other consumables as prescribed by the Medical Practitioner ... Charges related to a Hospital stay not expressly mentioned as being covered. Service charges levied by the Hospital under whatever head. Complete list of these excluded expenses are mentioned in Annexure II of this Policy. ... If this optional cover is in forced, 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 II of this Policy under Section 2.1 (Inpatient Care) and Section 2.4 (Day Care treatment).","sources":[{"clause":"2.1","heading":"Inpatient Care","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-1"},{"clause":"Excl18(i)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-i"},{"clause":"12","heading":"Non-payable expense Cover","page":26,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-12"}],"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 Benefits are available for the insured or spouse if both are legally married and covered under the same family floater policy. A 48 month waiting period applies, and the policy covers hospitalization for delivery or lawful medically necessary termination of pregnancy up to the limit in the Product Benefits Table/Policy Schedule, for a maximum of 2 deliveries or terminations during the lifetime.","display":"Yes, after 48 months, family floater only for legally married insured/spouse, max 2 deliveries/terminations, limit as per Schedule/PBT","note":"Pre- and post-hospitalization expenses are not covered under this benefit.","quote":"This Benefit is available for You or Your spouse, provided both are legally married and are covered under the same Family Floater Policy. A waiting period of 48 months from the Policy Inception Date shall be applicable for this Benefit. ... We shall cover Maternity expenses up to the limit specified in the Product Benefits Table/ Policy Schedule for Hospitalization for the delivery of Your child or for lawful medically necessary termination of pregnancy (including abortion and miscarriage required or arising due accidental injuries) maximum up to 2 deliveries or termination of pregnancy during Your lifetime.","sources":[{"clause":"2.28","heading":"Maternity Benefits","page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-28"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"If hospitalization of a newborn baby is required and a maternity cover claim has been accepted, the policy covers medically necessary treatment of the newborn up to 90 days from birth, subject to the limit in the Policy Schedule/Product Benefits Table. Vaccination expenses for specified vaccinations are covered until the newborn completes one year, within the newborn baby cover limit.","display":"Yes, newborn hospitalisation up to 90 days from birth; specified vaccinations until age 1 year, subject to Schedule/PBT limits","note":null,"quote":"If Hospitalization of a New Born Baby is required and if We have accepted a claim under Maternity Cover as mentioned above, then We will cover the Medical Expenses incurred towards the Medically Necessary Treatment of Your New Born Baby up to 90 days from birth. Our maximum liability under this Benefit will be subject to the limit specified in the Policy Schedule/Product Benefits Table. ... We will cover Reasonable and Customary Charges for vaccination expenses of the New Born Baby for the vaccinations as mentioned below until the New Born Baby completes one year irrespective of the end of the Policy Period.","sources":[{"clause":"2.28(b)(iii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-28-b-iii"}],"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 in the Policy Schedule/Product Benefits Table when hospitalization is medically necessary and prescribed in writing by a registered mental health specialist or psychiatrist. Specified mental disorders are covered after 36 months from policy inception with a cumulative sub-limit of Rs. 50,000 including related pre- and post-hospitalization expenses.","display":"Yes, inpatient psychiatric treatment; specified disorders after 36 months with Rs. 50,000 cumulative sub-limit","note":null,"quote":"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 ... For following mental disorders / conditions, shall be covered after a waiting period of 36 months from Policy inception date and a sub-limit of Rs. 50,000 shall be applicable on cumulative basis.","sources":[{"clause":"2.11","heading":"Psychiatric treatment Cover","page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-11"}],"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":"conflicting","value":"The wording says the insurer will arrange a health check-up once per policy year per insured person aged 18 and above, through empanelled network providers, irrespective of any claim, over and above the Sum Insured.","display":"Once per policy year per insured person aged 18 and above","note":"Policy wording says aged 18 and above; CIS says annual health check-up for insured above age 25 years.","quote":"a) This Benefit shall be available once per Policy Year per Insured Person who is Aged 18 and above. This Benefit will be provided irrespective of any claim being made in the Policy Year. This Benefit is over and above the Sum Insured and cannot be carried forward if the Benefit is not availed during the period as specified above. ... Free Health Check-up – Annual health check-up for Insured above age 25 years irrespective of claims in the Policy year","sources":[{"clause":"2.17(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-17-a"},{"clause":null,"heading":"CUSTOMER INFORMATION SHEET/ KNOW YOUR POLICY- ONEHEALTH","page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12341#c-customer-information-sheet-know-your-policy-oneh-2"}],"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 cover pays reasonable and customary charges for medically necessary consultations, diagnostic tests and prescribed medicines on an outpatient basis. It also covers dental treatment, spectacles, contact lenses and hearing aids with a sublimit of 30% of the annual OPD limit shown in the Policy Schedule/Product Benefits Table; CIS states medical expenses up to Rs. 20,000.","display":"Yes, consultations, tests and medicines; dental/spectacles/contact lenses/hearing aids within 30% sublimit; CIS says up to Rs. 20,000","note":"Initial waiting period, PED waiting period and specific disease waiting period apply to OPD cover.","quote":"We will cover the Reasonable and Customary Charges incurred for medically necessary consultations with a Medical Practitioner on an out-patient basis to assess Your health condition for any Illness. We will also cover the Reasonable and Customary Charges incurred for undergoing any Diagnostic Tests prescribed by the Medical Practitioner and medicines purchased under and supported with a Medical Practitioner’s prescription. ... with a sublimit of 30% of the annual limit for OPD Treatment shown in the Policy Schedule/Product Benefits Table ... Outpatient Cover: Medical Expenses up to Rs. 20,000 incurred for medically necessary consultations, Diagnostic tests and medicines an out-patient basis","sources":[{"clause":"2.31(d)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-2-31-d"},{"clause":null,"heading":"CUSTOMER INFORMATION SHEET/ KNOW YOUR POLICY- ONEHEALTH","page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12341#c-customer-information-sheet-know-your-policy-oneh-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 for domestic claims through the TPA. The TPA provides pre-authorisation to the hospital if the claim is admissible; on-request cashless at non-network hospitals is mentioned only in the lower-priority brochure.","display":"Cashless at network providers through TPA","note":null,"quote":"Cashless facility can be availed only at Our Network Providers. The complete list of Network Providers is available on Our website and at Our branches and can also be obtained by contacting Us over the telephone. The updated list of TPA containing complete details is available on Our website www.magmainsurance.com. 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":"Excl18(c)","heading":"Zone 3 to Zone 1","page":43,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-c-6"}],"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 handled through a 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 TPA will be contacted on its helpline ... 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 Emergency Hospitalization)","sources":[{"clause":"Excl18(c)","heading":"Zone 3 to Zone 1","page":43,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308#c-excl18-c-6"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings – OneHealth (w.e.f. 27th May, 2026)","pages":63,"fetched_at":"2026-10-17 19:44:34+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571063/Policy+Wordings+%E2%80%93+OneHealth+%28w.e.f.+27th+May%2C+2026%29.pdf/3f44adb0-2d98-ab11-ed8a-5adeed3eb376?t=1788507710912","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12293"},{"kind":"wording","label":"Policy Wordings – OneHealth (effective till 26th May, 2026)","pages":63,"fetched_at":"2026-10-17 19:44:44+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571063/Policy+Wordings+%E2%80%93+OneHealth+%28w.e.f.+19th+Mar%2C+2025%29.pdf/f9999f28-560f-859d-0ce7-bc59af9a5f5f?t=1779702620429","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12308"},{"kind":"wording","label":"OneHealth (IRDAI copy)","pages":73,"fetched_at":"2026-10-20 02:28:36+00","source_url":"https://irdai.gov.in/documents/37343/931203/MAGHLIP222V032021_2020-2021.pdf/973a44a4-b16f-dae6-868b-376c9780589a?version=1.1&t=1668593510123&download=true","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/28484"},{"kind":"prospectus","label":"Prospectus - OneHealth (effective till 26th May, 2026)","pages":35,"fetched_at":"2026-10-17 19:44:46+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571063/Prospectus+-+OneHealth+%28w.e.f.+19th+Mar%2C+2025%29.pdf/0aacb36d-74f7-998f-bf42-e25dd9476593?t=1779702379517","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12302"},{"kind":"cis","label":"Customer Information Sheet - OneHealth - Hindi","pages":12,"fetched_at":"2026-10-17 19:46:04+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/Hindi_CIS_OneHealth_Revised.pdf/cf68639c-a6d3-ce85-0882-361037b9519a?t=1789042531791","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12323"},{"kind":"cis","label":"Customer Information Sheet - OneHealth - Bengali","pages":12,"fetched_at":"2026-10-17 19:46:12+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/Bengali_CIS_OneHealth_Revised.pdf/e28d48cb-5e37-40dd-7940-288310943c5c?t=1789042531161","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12326"},{"kind":"cis","label":"Customer Information Sheet - OneHealth - Marathi","pages":12,"fetched_at":"2026-10-17 19:46:20+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/Marathi_CIS_OneHealth_Revised.pdf/7e57771a-9365-6d82-8419-9d41793ee1ba?t=1789042532864","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12330"},{"kind":"cis","label":"Customer Information Sheet - OneHealth - Tamil","pages":12,"fetched_at":"2026-10-17 19:46:29+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/Tamil_CIS_OneHealth_Revised.pdf/9db4438d-5328-4d50-e1f4-8abbdc382306?t=1789042533708","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12334"},{"kind":"cis","label":"Customer Information Sheet - OneHealth - Malayalam","pages":12,"fetched_at":"2026-10-17 19:46:37+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/Malayalam_CIS_OneHealth_Revised.pdf/a46f75f4-5d07-8c23-e681-c5581b7afb23?t=1789042532333","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12336"},{"kind":"cis","label":"Customer Information Sheet – OneHealth (effective till 26th May, 2026)","pages":14,"fetched_at":"2026-10-17 19:46:46+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571063/Customer+Information+Sheet+%E2%80%93+OneHealth+%28w.e.f.+19th+Mar%2C+2025%29.pdf/b39e67f4-0f1c-3926-8740-d08b7b0c45b0?t=1789043075910","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12341"},{"kind":"brochure","label":"Brochure - OneHealth (effective till 26th May, 2026)","pages":4,"fetched_at":"2026-10-17 19:44:38+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571063/Brochure+-+OneHealth+%28w.e.f.+19th+Mar%2C+2025%29.pdf/ecd6ef90-836e-60e9-9acf-78e146013df6?t=1769514723012","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425/document/12294"}],"versions":[{"uin":"MAGHLIP222V032021","version":null,"approved_on":null},{"uin":"MAGHLIP25038V062425","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 (UIN MAGHLIP25038V062425), IndiaInsurances, https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip25038v062425"}