{"uin":"MAGHLIP27039V072627","name":"OneHealth","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627","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":"2019-12-31","withdrawn_on":null,"summary":"OneHealth is a health insurance product offered as an individual policy or family floater with Support, Secure, Support Plus, Shield and Premium plans. The policy has 1, 2 or 3 year terms, lifetime renewability, 30 day free look, 30 day first illness waiting period and unlimited 100% recharge from the second claim subject to conditions.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:48:45.098216+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 or 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-maghlip27039v072627/document/12297#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 planned hospitalisation, claim intimation must be at least 72 hours before admission. For emergency hospitalisation, it must be within 24 hours of admission.","display":"At least 72 hours before planned admission; within 24 hours of emergency admission","note":null,"quote":"Claim intimation must be done at least 72 hours before admission to the Hospital in case of planned Hospitalization, and within 24 hours of admission to the Hospital, in case of Emergency Hospitalization.","sources":[{"clause":"Excl18(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-i"}],"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":["standard claim form (Part A and Part B)","cashless pre-authorisation request form","all the relevant claim documents","Proof of diagnosis in India","Insured’s Passport and Visa"],"display":"Standard claim form Part A and Part B, cashless pre-authorisation request form, relevant claim documents, and for Global Cover proof of diagnosis in India plus passport and visa","note":"Proof of diagnosis in India and passport/visa are additional documents for Global Cover.","quote":"The standard claim form (Part A and Part B) and the cashless pre-authorisation request form are available in our website www.magmainsurance.com for ready reference. ... The insured shall submit all the relevant claim documents ... We shall require the following additional documents supporting the claim under this benefit:\n• Proof of diagnosis in India\n• Insured’s Passport and Visa","sources":[{"clause":"24","heading":"X-Ray or laboratory examinations or other diagnostic studies, not","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-24"},{"clause":"32(g)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-32-g"}],"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":"Cashless authorisation is to be issued within one hour of receipt of request with documents and final discharge authorisation within 3 hours of receipt of discharge authorisation request with documents. Reimbursement claims are to be settled or rejected within 15 from the date of intimation along with the requisite documents.","display":"Cashless authorisation within one hour; final cashless discharge within 3 hours; reimbursement settled or rejected within 15 from intimation with requisite documents","note":"The CIS says “within 15” but does not print the unit after 15.","quote":"The authorization shall be issued to the Network Provider within one hours of receipt of request along with requisite documents.\n• Final cashless authorization at the time of discharge is within 3 hours of receipt of discharge authorization request along with requisite documents. ... the Claims shall be settled or rejected, as the case may be, within 15 from the date of intimation (along with the requisite documents).","sources":[{"clause":"24","heading":"X-Ray or laboratory examinations or other diagnostic studies, not","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-24"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["First Thirty Days Waiting Period (Code- Excl03): 30 days for all illnesses","Specific Waiting Periods: 24 months on treatment towards specified diseases","Pre-Existing Diseases (Code- Excl01)","Investigation & Evaluation (Code- Excl04)","Rest Cure, Rehabilitation and respite Care (Code- Excl05)","Change of Gender treatment (Code - Excl07)","Cosmetic or Plastic Surgery (Code - Excl08)","Hazardous or Adventure sports: (Code - Excl09)","Breach of law (Code - Excl10)","Excluded Providers (Code - Excl11)","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Sterility and Infertility (Code - Excl17)","Maternity expenses (Code Excl18)","Any treatment received outside India. This exclusion does not apply for Section 2.31 (Worldwide Emergency Hospitalization Cover)."],"display":"Waiting-period exclusions, standard exclusions including investigation, rest cure, change of gender, cosmetic surgery, hazardous sports, breach of law, excluded providers, substance abuse, sterility/infertility and maternity expenses, plus outside-India treatment except Worldwide Emergency Hospitalization Cover","note":"The CIS shows the PED waiting-period figure as “XX” rather than a fixed number.","quote":"First Thirty Days Waiting Period (Code- Excl03): 30 days for all illnesses (not applicable on renewal or for accidents) ... Specific Waiting Periods: 24 months on treatment towards specified diseases ... Pre-Existing Diseases (Code- Excl01): A waiting period for coverage of declared and accepted Pre-existing diseases is applicable – XX ... Standard Exclusions 1. Investigation & Evaluation (Code- Excl04) 2. Rest Cure, Rehabilitation and respite Care (Code- Excl05) 3. Change of Gender treatment (Code - Excl07) 4. Cosmetic or Plastic Surgery (Code - Excl08) 5. Hazardous or Adventure sports: (Code - Excl09) 6. Breach of law (Code - Excl10) 7. Excluded Providers (Code - Excl11) 8. Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... 13. Sterility and Infertility (Code - Excl17) 14. Maternity expenses (Code Excl18) ... Any treatment received outside India. This exclusion does not apply for Section 2.31 (Worldwide Emergency Hospitalization Cover).","sources":[{"clause":"24","heading":"X-Ray or laboratory examinations or other diagnostic studies, not","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-24"},{"clause":"8","heading":"Chronic Obstructive Pulmonary Disease (COPD)","page":6,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-8"},{"clause":"21","heading":null,"page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-21"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the company through its website, toll-free number, email, senior-citizen email/helpline, Branch GRO or branch grievance cell. If not satisfied, contact the Grievance Officer at Magma General Insurance Ltd.; if still unresolved, the document points to IRDAI Bima Bharosa and then Insurance Ombudsman after 30 days without response.","display":"Company customer care or Branch GRO first; then Grievance Officer; then IRDAI Bima Bharosa or Insurance Ombudsman","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) ... 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 ... If you are not satisfied with the resolution provided, you may register your complaint directly on IRDAI’s online portal – Bima Bharosa System at: https://bimabharosa. irdai.gov.in/ ... no response is received from the Company within 30 days from the date of filing the complaint, the Insured Person may approach the Office of the Insurance Ombudsman","sources":[{"clause":"Excl18(b)(vii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-b-vii"}],"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":"May 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. The waiting period would be reduced to 7 days if the same is opted and mentioned in the policy schedule / product benefit table.","sources":[{"clause":"Excl03","heading":null,"page":15,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#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 prospectus points to the policy schedule/Product Benefits Table for the plan opted; the CIS shows the PED waiting period as “XX”.","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":null,"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":14,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#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":"17 listed conditions including cataract, stones, hernia/hydrocele, hysterectomy for benign disorder, joint replacement, varicose veins and internal congenital anomalies","note":null,"quote":"List of these diseases is:\n1. Cataract\n2. Stones in biliary and urinary systems\n3. Hernia / Hydrocele\n4. Hysterectomy for any benign disorder\n5. Lumps / cysts / nodules / polyps / internal tumours\n6. Gastric and Duodenal Ulcers\n7. Surgery on tonsils / adenoids\n8. Osteoarthrosis / Arthritis / Gout / Rheumatism / Spondylosis / Spondylitis / Intervertebral Disc Prolapse\n9. Fissure / Fistula / Haemorrhoid\n10. Sinusitis / Deviated Nasal Septum / Tympanoplasty / Chronic Suppurative Otitis Media\n11. Benign Prostatic Hypertrophy\n12. Knee/Hip Joint replacement and any ligament, tendon or muscle tear\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":14,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl02-e"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sum insured, sixty continuous months applies from the date of enhancement on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"Excl18(b)(vii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-b-vii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person may port the 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 available as per IRDAI portability guidelines if continuously covered without lapses.","display":"Can port to other insurers with accrued continuity benefits in waiting periods","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)(vii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-b-vii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Lifetime renewability","note":null,"quote":"• Lifetime renewability.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#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 based on individual claim experience.","display":"No loading at renewal on individual claim experience","note":null,"quote":"No loading shall be applied at the time of Renewal on the basis of individual claim experience.","sources":[{"clause":"Excl18(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation (Code- Excl04)","Rest Cure, Rehabilitation and respite Care (Code- Excl05)","Change of Gender treatment (Code - Excl07)","Cosmetic or Plastic Surgery (Code - Excl08)","Hazardous or Adventure sports: (Code - Excl09)","Breach of law (Code - Excl10)","Excluded Providers (Code - Excl11)","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Treatment received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. (Code - Excl13)","Dietary supplements and substances that can be purchased without prescription including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure. (Code - Excl14)","Refractive Error (Code Excl15)","Unproven treatments (Code Excl16)","Sterility and Infertility (Code - Excl17)","Maternity expenses (Code Excl18)","Any Alternative Treatment except for the Benefits under Section 2.8 (AYUSH Treatment)","Treatment for any External Congenital Anomaly.","Any treatment arising from and/or taken for Crohn’s Disease, Ulcerative colitis, Cystic kidneys, Neurofibromatosis, Factor V Leiden Thrombophilia, Familial Hypercholesterolemia, Haemophilia, Hereditary Fructose Intolerance, Hereditary Hemochromatosis, Hereditary Spherocytosis.","OPD treatment is not covered.","Any treatment received outside India. This exclusion does not apply for Section 2.31 (Worldwide Emergency Hospitalization Cover)."],"display":"Standard permanent exclusions Excl04, Excl05 and Excl07 to Excl18, plus product-specific exclusions including alternative treatment except AYUSH, external congenital anomaly, named hereditary/GI conditions, OPD treatment and outside-India treatment except Worldwide Emergency Hospitalization Cover","note":"Some exclusions have exceptions for named benefits such as Maternity Benefits, AYUSH Treatment, Outpatient Cover and Worldwide Emergency Hospitalization Cover.","quote":"Standard Exclusions 1. Investigation & Evaluation (Code- Excl04) 2. Rest Cure, Rehabilitation and respite Care (Code- Excl05) 3. Change of Gender treatment (Code - Excl07) 4. Cosmetic or Plastic Surgery (Code - Excl08) 5. Hazardous or Adventure sports: (Code - Excl09) 6. Breach of law (Code - Excl10) 7. Excluded Providers (Code - Excl11) 8. Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. 9. Treatment received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. (Code - Excl13) 10. Dietary supplements and substances that can be purchased without prescription including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure. (Code - Excl14) 11. Refractive Error (Code - Excl15) 12. Unproven treatments (Code - Excl16) 13. Sterility and Infertility (Code - Excl17) 14. Maternity expenses (Code Excl18) ... Specific Exclusions 1. Any Alternative Treatment except for the Benefits under Section 2.8 (AYUSH Treatment) ... Treatment for any External Congenital Anomaly. ... Any treatment arising from and/or taken for Crohn’s Disease, Ulcerative colitis, Cystic kidneys, Neurofibromatosis, Factor V Leiden Thrombophilia, Familial Hypercholesterolemia, Haemophilia, Hereditary Fructose Intolerance, Hereditary Hemochromatosis, Hereditary Spherocytosis. ... OPD treatment is not covered. ... Any treatment received outside India. This exclusion does not apply for Section 2.31 (Worldwide Emergency Hospitalization Cover).","sources":[{"clause":"8","heading":"Chronic Obstructive Pulmonary Disease (COPD)","page":6,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-8"},{"clause":"10","heading":null,"page":8,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-10"},{"clause":"17","heading":null,"page":8,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-17"},{"clause":"21","heading":null,"page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-21"}],"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 at any time during the term by giving 7 days notice in writing. For a term up to one year, proportionate premium for the unexpired policy period is refunded if no claims were made; for terms over one year, premium for unexpired policy years is refunded where risk coverage has not commenced.","display":"7 days written notice; proportionate refund for unexpired period if term up to one year and no claim; refund for unexpired policy years for terms over 1 year where risk has not commenced","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Insurer shall ... refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... 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":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-d"},{"clause":"Excl18(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-a-3"},{"clause":"Excl18(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-b-3"}],"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":"Treatment outside India is excluded except for the Worldwide Emergency Hospitalization Cover. That cover pays medical expenses incurred outside India up to policy schedule/Product Benefits Table limits when emergency treatment cannot be postponed until the insured returns to India.","display":"India, with outside-India emergency hospitalization covered under Worldwide Emergency Hospitalization Cover","note":"Global Cover is an optional cover for treatment abroad after diagnosis in India.","quote":"Any treatment received outside India. This exclusion does not apply for Section 2.31 (Worldwide Emergency Hospitalization Cover). ... We will cover the Medical Expenses incurred outside India in relation to the Insured Person, up to the limits specified in the Policy Schedule/Product Benefits Table, provided that such Medical Expenses are incurred with respect to Medically Necessary Treatment, where such treatment has been certified as an Emergency by a Medical Practitioner and cannot be postponed until the Insured Person has returned to India.","sources":[{"clause":"21","heading":null,"page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-21"},{"clause":"31","heading":"Worldwide Emergency Hospitalization Cover","page":8,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-31"}],"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 CIS says: “within 30 days from the beginning of the policy.”","quote":"The insured shall be allowed a free look provision of thirty days from date of receipt of the Policy document to review the terms and conditions of the Policy, and to return the same if not acceptable. ... You may cancel the insurance policy if you do not want it, within 30 days from the beginning of the policy.","sources":[{"clause":"Excl18(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-i"},{"clause":"24","heading":"X-Ray or laboratory examinations or other diagnostic studies, not","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-24"}],"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 at renewal; 15 days for monthly instalments and 30 days in all other instalment cases","note":"Renewal grace preserves continuity but coverage is not available during that grace period. Instalment-premium grace is 15 days for monthly mode and 30 days in other cases.","quote":"the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits with Break in Policy. ... 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(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-c-2"},{"clause":"Excl18(b)(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-b-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"For individual policies, the minimum entry age is 5 years. For family floater policies, dependent child or grandchild can be minimum 91 days; there is no cap on maximum entry age, and the proposer should be 18 years or above.","display":"Minimum 5 years individual; 91 days for dependent child/grandchild in family floater; no maximum entry age cap","note":null,"quote":"For individual Policies, minimum entry age is 5 ... For Family Floater Policy dependent child,\nSupport Plus Plan - | For SI 2,3L: 1L/ 2L/ 3L ... grandchild can be of age minimum 91 days. ... • No cap on maximum entry age. ... • Proposer (Policyholder) should be 18 years or above.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-s1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Half Yearly","Quarterly","Monthly"],"display":"Half Yearly, Quarterly or Monthly instalments","note":"The policy term may be 1, 2 or 3 years, but the documents excerpted here state these instalment modes rather than a named annual premium mode.","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(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-b-3"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Critical Illness Cover","Personal Accident Cover","Aggregate Deductible","Voluntary Co-payment","Hospital cash Optional Cover","Bonus Booster","Maternity Benefit Optional Cover","Home treatment Additional Daily Cash Optional Cover","Enhanced Pre & Post hospitalization Cover","Worldwide Emergency Hospitalization Optional Cover","OPD & Home Care for Covid-19","Non-payable expense Cover","Recharge Benefit for same illnesses","Zone wise Co-pay Waiver","Smart Flexi Saver","Air Ambulance Cover","Removal of Mandatory Co Payment","Reduction of Pre-existing disease waiting period","Reduction of First Thirty Days Waiting Period","Outpatient Cover","Global Cover","Enhanced Maternity Benefit","Extensive Post hospitalisation Benefit","Bonus Booster Plus","Infinite Bonus Booster","Enhanced Coverage","Per Claim Deductible","Reduction of Specific disease Waiting period","Durable Equipment Cover","1 year Waiting Period for Maternity","Surrogacy Cover","Oocyte Donor Cover","Super Saver Pack","Smart Network Benefit","Insta Cover","Unlimited Care","Futuristic Cover","Room Rent Modifier"],"display":"38 optional covers including Critical Illness, Personal Accident, aggregate/per-claim deductibles, co-pay waivers, maternity, OPD, Global Cover, bonus/recharge options, Smart Network, Insta Cover, Unlimited Care, Futuristic Cover and Room Rent Modifier","note":null,"quote":"Optional Covers:\nAll Optional Benefits issued under this Policy shall be subject to the terms, conditions and exclusions of this Policy. ... 1. Critical Illness Cover ... 2. Personal Accident Cover ... 3. Aggregate Deductible ... 4. Voluntary Co-payment ... 5. Hospital cash Optional Cover ... 6. Bonus Booster ... 7. Maternity Benefit Optional Cover ... 8. Home treatment Additional Daily Cash Optional Cover ... 9. Enhanced Pre & Post hospitalization Cover ... 10. Worldwide Emergency Hospitalization Optional Cover ... 11. OPD & Home Care for Covid-19: ... 12. Non-payable expense Cover: ... 13. Recharge Benefit for same illnesses: ... 14. Zone wise Co-pay Waiver: ... 15. Smart Flexi Saver : ... 16. Air Ambulance Cover ... 17. Removal of Mandatory Co Payment ... 18. Reduction of Pre-existing disease waiting period ... 19. Reduction of First Thirty Days Waiting Period ... 20 Outpatient Cover ... 21. Global Cover ... 22. Enhanced Maternity Benefit ... 23. Extensive Post hospitalisation Benefit ... 24. Bonus Booster Plus ... 25. Infinite Bonus Booster ... 26. Enhanced Coverage ... 27. Per Claim Deductible ... 28. Reduction of Specific disease Waiting period ... 29. Durable Equipment Cover ... 30. 1 year Waiting Period for Maternity ... 31. Surrogacy Cover ... 32. Oocyte Donor Cover ... 33 Super Saver Pack ... 34 Smart Network Benefit ... 35 Insta Cover ... 36 Unlimited Care ... 37 Futuristic Cover ... 38 Room Rent Modifier","sources":[{"clause":"32","heading":"Air Ambulance Cover","page":8,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-32"},{"clause":"32(xi)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-32-xi"},{"clause":"32(g)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-32-g"},{"clause":"32(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-32-c-2"},{"clause":"32(c)(viii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-32-c-viii"},{"clause":"33","heading":"Super Saver Pack","page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-33"},{"clause":"34","heading":"Smart Network Benefit","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-34"},{"clause":"35","heading":"Insta Cover","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-35"},{"clause":"36","heading":"Unlimited Care","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-36"},{"clause":"37","heading":"Futuristic Cover","page":14,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-37"},{"clause":"38","heading":"Room Rent Modifier","page":14,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-38"}],"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":"No cover during renewal grace; cover available during instalment-premium grace","note":null,"quote":"Coverage is not available during the grace period. ... Coverage shall be available during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":"Excl18(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-c-2"},{"clause":"Excl18(b)(ii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-b-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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"For Support plan, ICU/ICCU expenses are capped at 2% of the Sum Insured per day. ICU limits for other plans are not stated in the extracted benefit text.","display":"Support: 2% of Sum Insured per day for ICU/ICCU","note":"The cited wording appears in the Support plan room-rent paragraph.","quote":"In case of admission to Intensive Care Unit or Intensive Cardiac Care Unit (ICCU), reimbursement or payment of associated Medical Expenses shall not Aggregate Deductible Options exceed 2% of the Sum Insured per day.","sources":[{"clause":"1","heading":"Inpatient Care","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-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":"If admission is to a room exceeding the stated limits, proportionate deduction applies on associated charges.","display":"Yes, proportionate deduction on associated charges applies if room exceeds limits","note":"The clause text has table text interleaved in the sentence.","quote":"In case of admission to room exceeding above stated For SI 4L: 25K/50k/75K/1L/ 2L/ 3L/ 4L limits, proportionate deduction on associated charges For SI 5L: 25K/50k/75K/1L/ 2L/ 3L/ 4L/ 5L shall apply.","sources":[{"clause":"1","heading":"Inpatient Care","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-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 claim if the insured person is aged 61 years or above at policy inception, unless Removal of Mandatory Co Payment is opted. If treatment is taken in a higher zone than the policy zone, co-pay is 25% from Zone 2 to Zone 1, 20% from Zone 3 to Zone 2, and 35% from Zone 3 to Zone 1, except specified emergency/accident cases; voluntary co-payment options of 10% and 20% are also available.","display":"20% mandatory copay at entry age 61+; higher-zone copay 25%, 20% or 35%; voluntary copay options 10% and 20%","note":"Zone copay is in addition to mandatory and voluntary copay if applicable.","quote":"Voluntary Co-Payment Options: 10% and 20% ... Mandatory Co-Payment: Co- Payment of 20% shall be applicable for each claim if the Insured Person is Aged 61 years and above at the Policy Inception Date. This will not be applicable if the Removal of Mandatory Co Payment is opted. ... 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. Such co-pay shall not be applicable for Emergency Hospitalization and Emergency treatment required due to Accident that happens whilst the Insured Person was outside the zone as applicable in the Policy Schedule.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-s1"},{"clause":"Excl18(iii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-iii"},{"clause":"Excl18(c)","heading":"Zone 3","page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-c"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"Aggregate Deductible and Per Claim Deductible are optional covers. If Aggregate Deductible is opted, the policy pays only after the policy-year deductible is exhausted; if Per Claim Deductible is opted, every claim is payable only after the deductible for every claim is crossed. The CIS also states a Rs. 2Lakhs deductible under Worldwide Emergency Hospitalization Cover.","display":"Optional aggregate deductible and per-claim deductible; Worldwide Emergency Hospitalization Cover deductible Rs. 2Lakhs","note":"Aggregate Deductible and Per Claim Deductible are optional covers, not automatic base-policy deductibles.","quote":"3. Aggregate Deductible If this Cover is opted, the Policy becomes a top-up Policy wherein claim in a Policy Year becomes payable only after deductible limit is crossed. ... 27. Per Claim Deductible 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. ... Under Worldwide Emergency Hospitalization Cover, a deductible of Rs. 2Lakhs shall be applicable","sources":[{"clause":"32(xi)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-32-xi"},{"clause":"32(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-32-c-2"},{"clause":"24","heading":"X-Ray or laboratory examinations or other diagnostic studies, not","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-24"}],"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","Psychiatric specified disorders: sub-limit of Rs. 50,000","IVF Treatment Cover: up to Rs. 50,000","Bariatric Surgery Cover: up to Rs. 1,00,000","Lasik Surgery Cover: up to Rs. 25,000"],"display":"Cataract per eye: Rs. 25,000 Support, Rs. 35,000 Secure/Support Plus, Rs. 50,000 Shield, Rs. 1,00,000 Premium; psychiatric specified disorders Rs. 50,000; IVF Rs. 50,000; bariatric Rs. 1,00,000; LASIK Rs. 25,000","note":"Other benefit limits may depend on the Policy Schedule/Product Benefits Table.","quote":"For Cataract, following sublimits 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 ... a sub-limit of Rs. 50,000 shall be applicable on cumulative basis. ... IVF Treatment Cover: Medical expenses up to Rs. 50,000 incurred for IVF treatment ... Bariatric Surgery Cover: Medical expenses up to Rs. 1,00,000 incurred for undergoing medical necessary Bariatric surgery ... Lasik Surgery Cover: Medical expenses incurred up to Rs. 25,000 for undergoing LASIK surgery","sources":[{"clause":"1","heading":"Inpatient Care","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-1"},{"clause":"11","heading":"Psychiatric treatment Cover","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-11"},{"clause":"Row 5","heading":"Policy Coverage (What the policy covers?) (Policy Clause Number/s)","page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-row-5"}],"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 prospectus says pre-hospitalisation is covered up to the limits in the Policy Schedule/Product Benefits Table, and the CIS shows “XX days” rather than a fixed base duration. Optional covers can increase the duration to 60 days.","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 prospectus says post-hospitalisation is covered up to the limits in the Policy Schedule/Product Benefits Table, and the CIS shows “XX days” rather than a fixed base duration. Optional covers can increase the duration to 90 days or 180 days.","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":"Day Care Treatment is covered for medically necessary treatment recommended by a Medical Practitioner, subject to the limits in the Policy Schedule/Product Benefits Table. The CIS describes it as listed procedures requiring less than 24 hours of hospitalisation and refers to Annexure III.","display":"Covered for listed procedures requiring less than 24 hours of hospitalisation","note":"OPD treatment undertaken in a hospital/day care centre is not covered under this benefit.","quote":"We will cover the Medical Expenses incurred on the Insured Person’s 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. ... Day Care Treatment: Listed procedures requiring less than 24 hours of hospitalization (day care).","sources":[{"clause":"4","heading":"Day Care Treatment","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-4"},{"clause":"Row 5","heading":"Policy Coverage (What the policy covers?) (Policy Clause Number/s)","page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-row-5"}],"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 if it continues for an uninterrupted period of at least 3 days and the condition would otherwise have required hospitalisation.","display":"Covered if home treatment continues at least 3 days and would otherwise have needed hospitalisation","note":null,"quote":"We will on reimbursement basis, cover the Medical Expenses incurred for the Insured Person’s 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.","sources":[{"clause":"7","heading":"Domiciliary Hospitalisation","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-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 when taken in a government hospital or an institute recognised by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health.","display":"Covered for in-patient AYUSH treatment in government/recognised/accredited hospitals","note":null,"quote":"We will, cover the Insured Person’s Medical Expenses incurred for Inpatient Care during the Policy Period on treatment taken under AYUSH Treatment in a government Hospital or in any institute recognized by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health.","sources":[{"clause":"8","heading":"AYUSH Treatment","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-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":"The policy covers listed modern treatments where medically indicated, including uterine artery embolization and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy monoclonal antibody injection, intravitreal injections, robotic surgeries, stereotactic radio surgeries, bronchial thermoplasty, green/holmium laser prostate treatment, IONM and hematopoietic stem cell therapy for bone marrow transplant for haematological conditions.","display":"Listed modern treatments covered where medically indicated, including robotic surgeries, oral chemotherapy, immunotherapy and stem cell therapy for bone marrow transplant","note":null,"quote":"The following procedures will be covered (wherever medically indicated), during the policy period:\n• Uterine Artery Embolization and HIFU (High intensity focused ultrasound)\n• Balloon Sinuplasty\n• Deep Brain stimulation\n• Oral chemotherapy\n• Immunotherapy- Monoclonal Antibody to be given as injection\n• Intra vitreal injections\n• Robotic surgeries\n• Stereotactic radio surgeries\n• Bronchical Thermoplasty\n• Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)\n• IONM - (Intra Operative Neuro Monitoring)\n• Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.","sources":[{"clause":"14","heading":"Modern treatment Procedures","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-14"}],"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 hospitalisation medical expenses of an organ donor for the insured person’s organ transplant surgery, if the organ is for the insured person and the donor conforms to applicable transplant law.","display":"Covered for donor in-patient hospitalisation expenses for the insured person’s organ transplant","note":null,"quote":"We will cover the Medical Expenses incurred towards in-patient hospitalization of an organ donor for the Insured Person’s organ transplant Surgery during the Policy Year provided that the organ donated is for the use of the Insured Person and the organ donor conforms to the provisions of The Transplantation of Human Organs Act, 1994 and other applicable laws.","sources":[{"clause":"6","heading":"Organ Donor Expenses","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-6"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance to the nearest hospital with adequate facilities is covered up to the Policy Schedule/Product Benefits Table limit in an emergency after an admitted inpatient care claim. Air ambulance expenses are covered for transport by airplane or helicopter to the nearest adequate hospital in an emergency following illness or injury in India.","display":"Road ambulance up to schedule/Product Benefits Table limit; air ambulance in India to nearest adequate hospital in emergency","note":"The road ambulance rupee limit is not printed in the prospectus excerpt; air ambulance has detailed conditions under the optional/base cover wording.","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 the Insured Person’s transportation by road ambulance to the nearest Hospital with adequate facilities in an Emergency ... We shall cover the expenses that are incurred towards the Insured Person’s transportation in an airplane or helicopter certified to be used as an ambulance to the nearest Hospital with adequate facilities in an Emergency following an Illness or Injury which occurs during the Policy Period and in India.","sources":[{"clause":"5","heading":"Ambulance Cover","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-5"},{"clause":"32","heading":"Air Ambulance Cover","page":8,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-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. Base recharge is for future claims under Base Covers and is not available for the same illness or injury already paid/accepted for the same insured person in that policy year.","display":"100% recharge unlimited times from 2nd claim onwards; not for same illness/injury unless optional same-illness recharge is bought","note":"Optional Recharge Benefit for same illnesses can extend recharge to same or related illness.","quote":"We will provide a 100% Recharge of the Sum Insured unlimited times in a Policy Year from 2nd claim onwards in a policy year, provided that:\n- The Sum Insured and Cumulative Bonus (if any) is insufficient for a claim as a result of previous claims in that Policy Year;\n- 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 under Inpatient Care or under Recharge of Sum Insured.\n- 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":"21","heading":"Recharge of Sum Insured","page":6,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-21"}],"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 provided at the end of each policy year irrespective of a claim, if the policy has been continuously renewed with the company. It is 10% per year up to 50% for Support and Secure, 10% per year up to 100% for Support Plus, 20% per year up to 100% for Shield, and 33.33% per year up to 100% for Premium.","display":"Support/Secure 10% up to 50%; Support Plus 10% up to 100%; Shield 20% up to 100%; Premium 33.33% up to 100%, irrespective of claim","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","sources":[{"clause":"15","heading":"Cumulative Bonus","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-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 policy generally lists non-medical/non-payable items as not available, but Green Channel Benefit can reimburse non-payable items for cashless treatment in a PPN up to Rs. 1,000 or Rs. 2,000 depending on claim amount. Non-payable expense Cover is an optional cover for List I items.","display":"Not generally covered; Green Channel reimburses non-payable items Rs. 1,000 or Rs. 2,000; optional Non-payable expense Cover covers List I","note":"The optional Non-payable expense Cover must be bought separately.","quote":"If the Insured Person opts to avail of in-patient treatment on cashless basis in a PPN (preferred provider network) as specified by Us, We shall, in addition to the amount payable under Section 2.1 (Inpatient Care), provide the Insured Person a one- time amount for each such Hospitalization as reimbursement against:\na) Expenses for any non-payable items with respect to that particular hospitalization ... - Rs. 1,000, if payable Inpatient Care claim amount is up to Rs. 50,000\n- Rs. 2,000, if payable Inpatient Care claim amount is above Rs. 50,000 ... 12. Non-payable expense Cover:\nWe 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":"20","heading":"Green Channel Benefit","page":6,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-20"},{"clause":"32(xi)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-32-xi"}],"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 when the insured person and spouse are legally married and covered under the same family floater policy, after a 48 month waiting period. The benefit covers hospitalisation for delivery or lawful medically necessary termination of pregnancy up to the Product Benefits Table/Policy Schedule limit, maximum 2 deliveries or terminations in the insured person’s lifetime; the CIS shows Rs. 1,00,000 for delivery.","display":"Covered after 48 months; CIS shows Rs. 1,00,000 for delivery; maximum 2 deliveries or terminations","note":"Base wording says the limit is as specified in the Product Benefits Table/Policy Schedule; the CIS prints Rs. 1,00,000.","quote":"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 the Insured Person’s 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 the Insured Person’s lifetime. ... Maternity Cover: Medical expenses up to Rs. 1,00,000 for the delivery of Insured Person’s child.","sources":[{"clause":"28","heading":"Maternity Benefits","page":7,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-28"},{"clause":"Row 5","heading":"Policy Coverage (What the policy covers?) (Policy Clause Number/s)","page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-row-5"}],"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 hospitalisation of a newborn baby is required and a Maternity Cover claim has been accepted, medical expenses for medically necessary treatment are covered up to 90 days from birth. Vaccination expenses are covered until the newborn completes one year, subject to the policy limits; the CIS shows Rs. 50,000 for newborn hospitalisation and Rs. 10,000 for vaccination.","display":"Newborn hospitalisation covered up to 90 days from birth after accepted maternity claim; vaccination until one year; CIS shows Rs. 50,000 and Rs. 10,000","note":"CIS says vaccination is included within the limit defined for New Born Baby Cover.","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 the Insured Person’s New Born Baby up to 90 days from birth.\n3. Vaccination for New Born Baby We will cover Reasonable and Customary Charges for vaccination expenses of the New Born Baby for the vaccinations as specified in the Policy until the New Born Baby completes one year irrespective of the end of the Policy Period. ... New Born baby Cover: Medical expenses up to Rs. 50,000 for Hospitalization of Insured’s New Born Baby. Vaccination for New Born Baby: vaccination expenses up to Rs. 10,000","sources":[{"clause":"28","heading":"Maternity Benefits","page":7,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-28"},{"clause":"Row 5","heading":"Policy Coverage (What the policy covers?) (Policy Clause Number/s)","page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-row-5"}],"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 Policy Schedule/Product Benefits Table limit if medically necessary and prescribed by a registered mental health specialist or psychiatrist. Specified mental disorders have a 36 month waiting period and a cumulative sub-limit of Rs. 50,000 including pre and post hospitalisation expenses.","display":"In-patient psychiatric treatment covered; specified disorders after 36 months with Rs. 50,000 cumulative sub-limit","note":"Specified disorders listed include Severe Depression, Schizophrenia and Psychosis, Bipolar disorder, PTSD, OCD, panic disorders including anxiety, and personality and related disorders.","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 that the Hospitalization is for Medically Necessary Treatment and prescribed in writing by a registered mental health specialist or psychiatrist. Pre & Post hospitalization expenses will also be covered. 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":"11","heading":"Psychiatric treatment Cover","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-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":"quote-verified","value":"The insurer will arrange and cover a health check-up through empanelled network providers if requested. The benefit is available once per insured person who is an adult under the policy.","display":"Health check-up once per adult insured through empanelled network providers","note":null,"quote":"We will arrange for a health check-up in accordance with the Sum Insured opted, if requested by the Insured Person. We will cover health check-ups arranged by Us through Our empanelled Network Providers. This Benefit shall be available once per Insured Person who is an adult under this Policy.","sources":[{"clause":"17","heading":"Annual Health Check- up","page":5,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-17"}],"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":"Outpatient Cover covers medically necessary consultations, prescribed diagnostic tests, prescribed medicines, and dental treatment, spectacles, contact lenses and hearing aids once in 2 policy years with a 30% sublimit of the annual OPD limit. The CIS shows an OPD limit of Rs. 20,000.","display":"OPD consultations, diagnostic tests and medicines covered; dental/spectacles/contact lenses/hearing aids once in 2 Policy Years with 30% sublimit; CIS shows Rs. 20,000","note":"Initial waiting period, pre-existing disease waiting period and specific disease waiting period apply to OPD.","quote":"We will cover the Reasonable and Customary Charges incurred for medically necessary consultations with a Medical Practitioner on an out-patient basis ... Diagnostic Tests prescribed by the Medical Practitioner and medicines purchased under and supported with a Medical Practitioner’s prescription. We will also cover the Reasonable and Customary Charges for Dental Treatment, cost of spectacles, contact lenses and hearing aids once in 2 Policy Years with a sublimit of 30% of the annual limit for OPD Treatment ... Outpatient Cover: Medical Expenses up to Rs. 20,000 incurred for medically necessary consultations, Diagnostic tests and medicines an out-patient basis","sources":[{"clause":"29","heading":"Outpatient Cover","page":8,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-29"},{"clause":"Row 5","heading":"Policy Coverage (What the policy covers?) (Policy Clause Number/s)","page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-row-5"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"quote-verified","value":"Premium is computed based on the policyholder’s zone of residence. If the insured takes treatment in a higher zone than the applicable zone, co-pay applies: Zone 2 to Zone 1 is 25%, Zone 3 to Zone 2 is 20%, and Zone 3 to Zone 1 is 35%, subject to emergency/accident exceptions.","display":"Premium zone based on residence; higher-zone treatment copay 25%, 20% or 35%","note":"Zone 1, Zone 2 and Zone 3 cities/areas are defined in the prospectus.","quote":"For the purpose of Policy issuance, the premium will be computed basis the zone of residence of the Policyholder. ... In case the Insured Person opts to take treatment in a zone higher than the applicable zone as mentioned in Policy Schedule, the Insured Person shall bear a Co- Payment on admissible claim amount as mentioned below:\nZone 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.","sources":[{"clause":"Excl18(iii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-iii"},{"clause":"Excl18(c)","heading":"Zone 3","page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-c"}],"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 is available at network providers according to the policy process. If treatment is taken at a non-network hospital or cashless is not used, reimbursement claims can be made.","display":"Cashless at network providers; reimbursement at non-network hospitals or where cashless is not availed","note":"Smart Network Benefit, if opted, restricts cashless treatment to hospitals listed as Smart Network except emergency care.","quote":"Cashless facility: The Insured Person can avail of Cashless Facility at any of Our Network Providers in accordance with the process set out in the Policy. In case the Insured Person avails treatment in a Non-Network Hospital or if Cashless facility is not availed, Reimbursement of Claims can be availed.","sources":[{"clause":"Excl18(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-excl18-i"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":"The CIS mentions that the updated Network Hospital List is also on the website of the TPA, but it does not state that claims are handled by a TPA or identify the TPA.","quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, Family Floater Policy available","note":"Maximum 4 adults and 3 children can be insured under a policy.","quote":"This Policy can be offered as an Individual Policy ... or as a Family Floater Policy. ... Floater Sum Insured – Where all members under the policy have a single sum insured limit which may be utilized by any or all members","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297#c-s1"},{"clause":"Row 4","heading":"Sum Insured (Basis) (Along with the amount)","page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320#c-row-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings – OneHealth (effective till 18th Mar, 2025)","pages":84,"fetched_at":"2026-10-17 19:44:53+00","source_url":"https://www.magmainsurance.com/documents/5553002/16449206/Policy+Wordings+%E2%80%93+OneHealth+%28w.e.f.+1st+Oct%2C+2024%29.pdf/c44bad85-75e4-8c92-755f-39c963c7237d?t=1789042455021","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12307"},{"kind":"wording","label":"Policy Wordings- OneHealth (effective till 30th Aug,2024)","pages":44,"fetched_at":"2026-10-17 19:45:12+00","source_url":"https://www.magmainsurance.com/documents/5553002/16449206/Policy+Wordings-+OneHealth+%28w.e.f+1st+April%2C2024%29.pdf/688935d3-e2b5-bbaa-8138-a03cf4696cac?t=1739533578261","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12316"},{"kind":"wording","label":"Policy Wordings- OneHealth (effective till 31st Mar,2024)","pages":44,"fetched_at":"2026-10-17 19:45:21+00","source_url":"https://www.magmainsurance.com/documents/5553002/16449206/Policy+Wordings-+OneHealth+%28w.e.f.+11th+Sept%2C+2023%29.pdf/b6d095d9-7e61-75e8-867f-2132aff57fc7?t=1739535211890","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12318"},{"kind":"wording","label":"Onehealth (IRDAI copy)","pages":68,"fetched_at":"2026-10-20 02:28:32+00","source_url":"https://irdai.gov.in/documents/37343/931203/MAGHLIP20101V021920_2019-2020.pdf/3c37691b-7d69-ba9c-dc47-6aaecb9f9bea?version=1.1&t=1668574575530&download=true","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/28479"},{"kind":"prospectus","label":"Prospectus - OneHealth (w.e.f. 27th May, 2026)","pages":35,"fetched_at":"2026-10-17 19:44:37+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571063/Prospectus+-+OneHealth+%28w.e.f.+27th+May%2C+2026%29.pdf/8d5e410a-5b67-838c-4f10-d038bdcfde0e?t=1784007568016","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12297"},{"kind":"prospectus","label":"Prospectus - OneHealth (effective till 18th Mar, 2025)","pages":52,"fetched_at":"2026-10-17 19:44:55+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571063/Prospectus+%E2%80%93+OneHealth+%28w.e.f.+1st+Oct%2C+2024%29.pdf/80007e14-5e1a-7c35-d951-4d865d627bc4?t=1789043075290","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12303"},{"kind":"prospectus","label":"Prospectus - OneHealth (effective till 30th Sep, 2024)","pages":28,"fetched_at":"2026-10-17 19:45:05+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Prospectus+%E2%80%93+OneHealth.pdf/532f533c-e4fd-37ef-5111-8ebe74eb30f5?t=1735720790614","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12310"},{"kind":"prospectus","label":"Prospectus-OneHealth (effective till 31st Mar,2024)","pages":48,"fetched_at":"2026-10-17 19:45:23+00","source_url":"https://www.magmainsurance.com/documents/5553002/16449206/Prospectus_OneHealth+%28w.e.f.+11th+Sept%2C+2023%29.pdf/3307a33e-098d-5433-81d9-3b3e82683421?t=1789042448476","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12317"},{"kind":"prospectus","label":"Prospectus- OneHealth (effective till 30th Aug,2024)","pages":29,"fetched_at":"2026-10-17 19:45:14+00","source_url":"https://www.magmainsurance.com/documents/5553002/16449206/Prospectus-+OneHealth+%28w.e.f+1stApril%2C2024%29.pdf/237e0f3a-64e7-024a-c75d-7e6c5fd77ce5?t=1739538521101","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12319"},{"kind":"cis","label":"Customer Information Sheet – OneHealth (w.e.f. 27th May, 2026)","pages":13,"fetched_at":"2026-10-17 19:45:26+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571063/OneHealth_CIS+%28w.e.f.+27th+May%2C+2026%29.pdf/b7466b40-a624-d253-4d70-5303c025b9d3?t=1789043066153","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12320"},{"kind":"cis","label":"Customer Information Sheet – OneHealth (effective till 18th Mar, 2025)","pages":15,"fetched_at":"2026-10-17 19:46:54+00","source_url":"https://www.magmainsurance.com/documents/5553002/16449206/Customer+Information+Sheet+OneHealth+%28w.e.f.+1st+Oct%2C+2024%29.pdf/c3fa7992-cee3-7e34-a002-33ac234c9920?t=1789042454284","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12345"},{"kind":"cis","label":"Customer Information Sheet – OneHealth (effective till 30th Sep, 2024)","pages":16,"fetched_at":"2026-10-17 19:47:02+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571063/Customer+Information+Sheet+%E2%80%93+OneHealth+%28w.e.f+31st+Aug%2C+2024%29.pdf/0f6b7d52-b53e-07f0-707b-1ff96ebe5d73?t=1789043074790","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12349"},{"kind":"cis","label":"Customer Information Sheet – OneHealth (effective till 31st Mar,2024)","pages":11,"fetched_at":"2026-10-17 19:47:19+00","source_url":"https://www.magmainsurance.com/documents/5553002/16449206/Customer+Information+Sheet+%E2%80%93+OneHealth+%28w.e.f.+11th+Sept+2023%29.pdf/6b509e9a-21ed-5c92-4bb4-9aa13c820539?t=1789042446275","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12355"},{"kind":"cis","label":"Customer Information Sheet – OneHealth ( Effective till 31st Dec, 2023)","pages":7,"fetched_at":"2026-10-17 19:47:28+00","source_url":"https://www.magmainsurance.com/documents/5553002/16449206/Customer+Information+Sheet+%E2%80%93+OneHealth+%28+Effective+till+31st+Dec%2C+2023%29.pdf/828feb9e-54ef-1cb3-d92a-7136cf991c20?t=1789042445787","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12361"},{"kind":"cis","label":"Customer Information Sheet – OneHealth (effective till 30th Sep 2021)","pages":6,"fetched_at":"2026-10-17 19:47:53+00","source_url":"https://www.magmainsurance.com/documents/5553002/16449206/Customer+Information+Sheet+-+OneHealth.pdf/b52836ff-8213-0132-3b57-613fa8e15383?t=1789042444264","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12370"},{"kind":"brochure","label":"Brochure – OneHealth (effective till 18th Mar, 2025)","pages":2,"fetched_at":"2026-10-17 19:44:47+00","source_url":"https://www.magmainsurance.com/documents/5553002/16449206/Brochure+%E2%80%93+OneHealth.pdf/e811be7d-4e88-a933-196b-d89c8f8bcb31?t=1789042451638","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12299"},{"kind":"benefit-illustration","label":"Benefit Illustration – OneHealth","pages":3,"fetched_at":"2026-10-17 19:44:33+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Benefit+Illustration+%E2%80%93+OneHealth.pdf/e8996f65-ed33-46c4-cd87-542bb7de201a?t=1789044292475","url":"https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627/document/12291"}],"versions":[{"uin":"MAGHLIP20101V021920","version":null,"approved_on":null},{"uin":"MAGHLIP24088V052324","version":null,"approved_on":null},{"uin":"MAGHLIP27039V072627","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 MAGHLIP27039V072627), IndiaInsurances, https://indiainsurances.com/policy/magma-general-insurance/onehealth-maghlip27039v072627"}