{"uin":"MAGHLIP27041V012627","name":"OneClick OPD","url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627","insurer":{"slug":"magma-general-insurance","name":"Magma General Insurance Limited","url":"https://indiainsurances.com/insurer/magma-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"OneClick OPD is a health policy for outpatient expenses at Network Facilities in India, with Sum Insured options of Unlimited Cashless / 20k / 30k / 40k / 50k / Unlimited. The policy can run for 1 year, 2 years or 3 years, and its optional covers include additional pharmacy, physiotherapy sessions, OP procedure, dental care, maternity coverage and increase in Pre-Existing Disease waiting period.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:51:54.705043+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Advanced plan","Vital & Lite Plans"],"display":"Advanced plan; Vital & Lite Plans","note":null,"quote":"Emergency Room external visits, Minor procedures like - sutures, dressing of wounds in case of accidents would be covered only under Advanced plan ... ER Visits not covered under Vital & Lite Plans","sources":[{"clause":null,"heading":"2. COVERAGE","page":7,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-2-coverage"},{"clause":"Section 2(g)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12403#c-section-2-g"}],"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 will be issued for 1 year, 2 years or 3 years.","display":"1 year, 2 years, 3 years","note":null,"quote":"The Policy will be issued for 1 year, 2 years, 3 years","sources":[{"clause":null,"heading":"Policy Period","page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12403#c-policy-period"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For reimbursement of claim, the CIS says to contact the insurer at least 72 hours before admission for planned hospitalization and within 24 hours of admission for emergency hospitalization.","display":"Planned hospitalization: at least 72 hours before admission; emergency hospitalization: within 24 hours of admission","note":"From the CIS; the policy wording gives OPD cashless and reimbursement steps but does not state a separate OPD intimation deadline.","quote":"Notice of claim: Please contact us at least 72 hours before admission in case of planned hospitalization. For emergency hospitalization, kindly contact is within 24 hours of admission to Hospital.","sources":[{"clause":null,"heading":"Specific Exclusions","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12496#c-specific-exclusions"}],"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":["Bills","Prescriptions","Reports"],"display":"Bills, Prescriptions and Reports","note":null,"quote":"Upload Bills, Prescriptions and Reports on the specified Service provider’s application for the services you have availed.","sources":[{"clause":"Excl27(c)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl27-c"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall settle or reject a claim within 15 days from the date of intimation of claim along with the requisite documents. If delayed beyond 15 days, interest is payable at 2% above the bank rate from that date till payment.","display":"Within 15 days from intimation with requisite documents; delay interest at 2% above bank rate","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of intimation of claim (along with the requisite documents). ... In case of delay beyond stipulated 15 days, the Company shall be liable to pay interest to the Policyholder at a rate 2% above the bank rate from the date of intimation (along with the requisite documents) till the date of payment.","sources":[{"clause":"Excl27(f)(i)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl27-f-i"},{"clause":"Excl27(f)(ii)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl27-f-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Expenses related to Day Care Procedures","Expenses related to Out- Patient Procedures (Annexure III).","Expenses related to Blood or Skin Allergy Testing.","Expenses related to Maternity","Expenses related to Eyewear Lenses, Glucometers, BP machines, Continuous Glucose Monitors (CGM) or similar devices.","Expenses related to Prosthetics and Devices.","Expenses related to Sexual disorders, erectile dysfunction, sterility, fertility & IVF.","Expenses related to Sleep disorders and Sleep problems.","Expenses related to Genetic Testing.","Expenses related to Occupational Therapy.","Expenses related to Positron Emission Tomography–Computed Tomography (PET CT) Scan.","Expenses related to Sexually Transmitted Disease (STD) Testing similar but not limited to Anti-HCV rapid, HIV 1&2 Antibody, Hepatitis B, Hepatitis C, VDRL.","Expenses related to Dental Treatments and Procedures"],"display":"Specific exclusions include day care procedures, outpatient procedures, maternity, genetic testing, occupational therapy, PET CT scan, STD testing and dental treatments/procedures","note":null,"quote":"1. Expenses related to Day Care Procedures ... 2. Expenses related to Out- Patient Procedures (Annexure III). ... 3. Expenses related to Blood or Skin Allergy Testing. ... 4. Expenses related to Maternity ... 5. Expenses related to Eyewear Lenses, Glucometers, BP machines, Continuous Glucose Monitors ... 6. Expenses related to Prosthetics and Devices. ... 7. Expenses related to Sexual disorders, erectile dysfunction, sterility, fertility & IVF. ... 8. Expenses related to Sleep disorders and Sleep problems. ... 9. Expenses related to Genetic Testing. ... 10. Expenses related to Occupational Therapy. ... 11. Expenses related to Positron Emission Tomography–Computed Tomography (PET CT) Scan. ... 12. Expenses related to Sexually Transmitted Disease (STD) Testing similar but not limited to Anti-HCV rapid, HIV 1&2 Antibody, Hepatitis B, Hepatitis C, VDRL. ... 13. Expenses related to Dental Treatments and Procedures","sources":[{"clause":null,"heading":"Specific Exclusions","page":24,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-specific-exclusions"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact Magma General Insurance through the website, toll-free number, email, branch/corporate office or branch GRO. If not satisfied, contact the grievance officer at the address in the policy or by email at gro@magmainsurance.com.","display":"First contact Magma through website/toll-free/email/branch; then grievance officer at gro@magmainsurance.com","note":null,"quote":"In case of any grievance, the Insured Person including senior citizens may contact the Company through Website: www.magmainsurance.com Toll free: 1800 266 3202 Email address: customercare@magmainsurance.com. ... If Insured Person is not satisfied with the redressal of grievance through one of the above methods, Insured Person may contact the grievance officer at:","sources":[{"clause":null,"heading":"30. Redressal of Grievance","page":34,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-30-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Unlimited Cashless / 20k / 30k / 40k / 50k / Unlimited.","display":"Unlimited Cashless / 20k / 30k / 40k / 50k / Unlimited","note":null,"quote":"Unlimited Cashless / 20k / 30k / 40k / 50k / Unlimited","sources":[{"clause":null,"heading":"Sum Insured","page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12403#c-sum-insured"}],"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":0},"display":"No waiting periods","note":"Base policy has no waiting periods; the optional Maternity Coverage has a 1 year waiting period.","quote":"7 | Waiting Period | No waiting periods ... Waiting period of 1 year applicable.","sources":[{"clause":null,"heading":"Specific Exclusions","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12496#c-specific-exclusions"},{"clause":null,"heading":"3. OPTIONAL COVERS","page":15,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-3-optional-covers"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":0},"display":"No waiting periods","note":"Base policy has no waiting periods; the optional Increase in Pre-Existing Disease waiting period can increase the PED waiting period as specified in the Policy Schedule/Certificate of Insurance.","quote":"7 | Waiting Period | No waiting periods ... Increase in Pre-Existing Disease waiting period: ... If this Optional Cover is in force, Pre-existing Disease Waiting Period shall stand increased up to the period as specified in the Policy Schedule/Certificate of Insurance.","sources":[{"clause":null,"heading":"Specific Exclusions","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12496#c-specific-exclusions"},{"clause":null,"heading":"3. OPTIONAL COVERS","page":15,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-3-optional-covers"}],"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":0},"display":"No waiting periods","note":null,"quote":"7 | Waiting Period | No waiting periods","sources":[{"clause":null,"heading":"Specific Exclusions","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12496#c-specific-exclusions"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"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":"Excl27(b)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl27-b-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The Insured Person can port the entire policy with all family members to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal date. If continuously covered without lapses under an Indian General/Health insurer, accrued continuity benefits in waiting periods are given as per IRDAI guidelines.","display":"Can port to other insurers with waiting-period continuity; apply 30 to 60 days before renewal","note":null,"quote":"The Insured Person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. lf 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":"Excl27(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl27-b-3"}],"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":"Section 1","heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12403#c-section-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading shall be applied at renewal on the basis of individual claim experience.","display":"No loading at renewal based on individual claim experience","note":null,"quote":"No loading shall be applied at the time of Renewal on the basis of individual claim experience.","sources":[{"clause":null,"heading":"28. Loading Factors","page":33,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-28-loading-factors"}],"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":["Rest Cure, rehabilitation and respite care - Code Excl 05","Obesity/ Weight Control - Code Excl 06","Change-of-Gender treatments - Code Excl 07","Cosmetic or plastic Surgery - Code Excl 08","Hazardous or Adventure sports - Code Excl 09","Breach of law - Code Excl 10","Excluded Providers - Code Excl 11","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof - Code Excl 12","Treatments received in health 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 Excl 13","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 Excl 14","Unproven Treatments - Code Excl 16","Sterility and Infertility - Code Excl 17","Congenital External condition / defects / anomalies - Code Excl 20","Convalescence, general debility, run-down condition, Nutritional deficiency states -Code Excl 21","Intentional self-injury - Code Excl 22","Injury/disease caused by or arising from or attributable to war, invasion, act of foreign enemy, warlike operations (whether war be declared or not) - Code Excl 24","Injury or disease caused by or contributed to by nuclear weapons/materials - Code Excl 25","Unconventional, Untested, Experimental therapies - Code Excl 27","Inoculation or Vaccination (except for post–bite treatment and for medical treatment for therapeutic reasons) - Code Excl 31","Hearing aids, walkers and crutches, wheelchairs, Nutritional Supplements, CPAP, BIPAP, Continuous Ambulatory Peritoneal Dialysis [CAPD], infusion pump and such other similar aids, Cochlear implants and procedure related expenses - Code Excl 35","Existing disease/s, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), for specified ICD codes - Code Excl 38","Expenses related to Day Care Procedures","Expenses related to Out- Patient Procedures (Annexure III).","Expenses related to Blood or Skin Allergy Testing.","Expenses related to Maternity","Expenses related to Eyewear Lenses, Glucometers, BP machines, Continuous Glucose Monitors (CGM) or similar devices.","Expenses related to Prosthetics and Devices.","Expenses related to Sexual disorders, erectile dysfunction, sterility, fertility & IVF.","Expenses related to Sleep disorders and Sleep problems.","Expenses related to Genetic Testing.","Expenses related to Occupational Therapy.","Expenses related to Positron Emission Tomography–Computed Tomography (PET CT) Scan.","Expenses related to Sexually Transmitted Disease (STD) Testing similar but not limited to Anti-HCV rapid, HIV 1&2 Antibody, Hepatitis B, Hepatitis C, VDRL.","Expenses related to Dental Treatments and Procedures"],"display":"Standard exclusions Excl 05 to Excl 38 listed in the policy, plus specific exclusions for day care, outpatient procedures, maternity, devices, genetic testing, occupational therapy, PET CT, STD testing and dental treatments/procedures","note":null,"quote":"Rest Cure, rehabilitation and respite care - Code Excl 05 ... Obesity/ Weight Control - Code Excl 06 ... Change-of-Gender treatments - Code Excl 07 ... Cosmetic or plastic Surgery - Code Excl 08 ... Hazardous or Adventure sports - Code Excl 09 ... Breach of law - Code Excl 10 ... Excluded Providers - Code Excl 11 ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof - Code Excl 12 ... Treatments received in health 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 Excl 13 ... 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 Excl 14 ... Unproven Treatments - Code Excl 16 ... Sterility and Infertility - Code Excl 17 ... Congenital External condition / defects / anomalies - Code Excl 20 ... Convalescence, general debility, run-down condition, Nutritional deficiency states -Code Excl 21 ... Excl22 Intentional self-injury - Code Excl 22 ... Injury/disease caused by or arising from or attributable to war, invasion, act of foreign enemy, warlike operations (whether war be declared or not) - Code Excl 24 ... Injury or disease caused by or contributed to by nuclear weapons/materials - Code Excl 25 ... Excl27 Unconventional, Untested, Experimental therapies - Code Excl 27 ... Inoculation or Vaccination (except for post–bite treatment and for medical treatment for therapeutic reasons) - Code Excl 31 ... Hearing aids, walkers and crutches, wheelchairs, Nutritional Supplements, CPAP, BIPAP, Continuous Ambulatory Peritoneal Dialysis [CAPD], infusion pump and such other similar aids, Cochlear implants and procedure related expenses - Code Excl 35 ... Existing disease/s, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), for specified ICD codes - Code Excl 38 ... 1. Expenses related to Day Care Procedures ... 2. Expenses related to Out- Patient Procedures (Annexure III). ... 3. Expenses related to Blood or Skin Allergy Testing. ... 4. Expenses related to Maternity ... 5. Expenses related to Eyewear Lenses, Glucometers, BP machines, Continuous Glucose Monitors ... 6. Expenses related to Prosthetics and Devices. ... 7. Expenses related to Sexual disorders, erectile dysfunction, sterility, fertility & IVF. ... 8. Expenses related to Sleep disorders and Sleep problems. ... 9. Expenses related to Genetic Testing. ... 10. Expenses related to Occupational Therapy. ... 11. Expenses related to Positron Emission Tomography–Computed Tomography (PET CT) Scan. ... 12. Expenses related to Sexually Transmitted Disease (STD) Testing similar but not limited to Anti-HCV rapid, HIV 1&2 Antibody, Hepatitis B, Hepatitis C, VDRL. ... 13. Expenses related to Dental Treatments and Procedures","sources":[{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care - Code Excl 05","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control - Code Excl 06","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender treatments - Code Excl 07","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery - Code Excl 08","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports - Code Excl 09","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl09"},{"clause":"Excl10","heading":"Breach of law - Code Excl 10","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers - Code Excl 11","page":23,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl11"},{"clause":"Excl16","heading":"Unproven Treatments - Code Excl 16","page":24,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl16"},{"clause":"Excl17","heading":"Sterility and Infertility - Code Excl 17","page":24,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl17"},{"clause":"Excl20","heading":"Congenital External condition / defects / anomalies - Code Excl 20","page":24,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl20"},{"clause":"Excl21","heading":"Convalescence, general debility, run-down condition, Nutritional deficiency states","page":24,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl21"},{"clause":"Excl22","heading":"Intentional self-injury - Code Excl 22","page":24,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl22"},{"clause":"Excl25","heading":"Injury or disease caused by or contributed to by nuclear weapons/materials - Code Excl 25","page":24,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl25"},{"clause":"Excl27","heading":"Unconventional, Untested, Experimental therapies - Code Excl 27","page":24,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl27"},{"clause":null,"heading":"Specific Exclusions","page":24,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-specific-exclusions"}],"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 by giving 7 days' written notice. For terms up to one year, the Company refunds proportionate premium for the unexpired policy period if no claims were made; for terms over one year, it refunds premium for policy years whose risk coverage has not commenced.","display":"7 days' written notice; proportionate refund for unexpired period if term up to 1 year and no claim, or uncommenced policy years for terms over 1 year","note":null,"quote":"The policyholder may cancel this policy by giving 7 days' notice in writing. ... 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":null,"heading":"8. Cancellation","page":28,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-8-cancellation"},{"clause":"Excl27(a)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl27-a-3"},{"clause":"Excl27(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl27-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":"The geographical scope applies to events within India.","display":"Within India","note":null,"quote":"The geographical scope of this Policy applies to events within India.","sources":[{"clause":null,"heading":"23. Geographical Scope","page":32,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-23-geographical-scope"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days from date of receipt of the Policy document","note":"Applies on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.","quote":"The insured shall be allowed a free look provision of thirty days from date of receipt of the Policy document to review the terms and conditions of the Policy, and to return the same if not acceptable.","sources":[{"clause":null,"heading":"16. Free Look Period","page":30,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-16-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days where premium payment mode is monthly","note":"Monthly premium mode has a 15-day grace period; all other cases have 30 days.","quote":"The Grace Period for payment of the premium for all types of insurance policies shall be: fifteen days (15) where premium payment mode is monthly and thirty days (30) in all other cases.","sources":[{"clause":"19","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-19"}],"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 dependent child or grandchild, the minimum age is 91 days, and there is no cap on maximum entry age.","display":"Minimum 5 years for individual; 91 days for dependent child/grandchild in family floater; no maximum entry age","note":null,"quote":"For individual Policies, minimum entry age is 5 years ... For Family Floater Policy dependent child, grandchild can be of age minimum 91 days. ... No cap on maximum entry age.","sources":[{"clause":"Section 1","heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12403#c-section-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Half Yearly","Quarterly","Monthly"],"display":"Half Yearly, Quarterly or Monthly","note":"The documents state these instalment modes; yearly payment is not expressly listed as a premium mode in the cited clause.","quote":"If the Insured Person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in the Policy Schedule/Certificate of Insurance","sources":[{"clause":null,"heading":"14. Premium Payment in Instalments (Wherever applicable)","page":30,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-14-premium-payment-in-instalments-wherever-appli"}],"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":["Additional pharmacy cover","Physiotherapy sessions","OP Procedure","Dental Care","Maternity Coverage","Increase in Pre-Existing Disease waiting period"],"display":"Additional pharmacy cover; Physiotherapy sessions; OP Procedure; Dental Care; Maternity Coverage; Increase in Pre-Existing Disease waiting period","note":null,"quote":"1. Additional pharmacy cover: ... 2. Physiotherapy sessions: ... 3. OP Procedure: ... 4. Dental Care: ... 5. Maternity Coverage: ... 6. Increase in Pre-Existing Disease waiting period:","sources":[{"clause":null,"heading":"3. OPTIONAL COVERS","page":15,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-3-optional-covers"}],"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":"Not available during renewal grace period; available for instalment premiums during the policy period","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":"Excl27(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl27-b-3"},{"clause":"Excl27(b)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12416#c-excl27-b-5"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same 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higher.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"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":null,"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 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19:48:50+00","source_url":"https://www.magmainsurance.com/documents/5553002/45886537/Prospectus+OneClick+OPD.pdf/35a58d1f-3020-8eb2-12be-8a0eff27c728?t=1789542319490","url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12403"},{"kind":"cis","label":"Customer Information Sheet - OneClick - OPD","pages":7,"fetched_at":"2026-10-17 19:52:51+00","source_url":"https://www.magmainsurance.com/documents/5553002/45886537/CIS+OneClick+OPD.pdf/58304f0e-cf4e-d00e-10db-85cc126891c4?t=1789542317318","url":"https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627/document/12496"}],"versions":[],"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. 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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":"OneClick OPD (UIN MAGHLIP27041V012627), IndiaInsurances, https://indiainsurances.com/policy/magma-general-insurance/oneclick-opd-maghlip27041v012627"}