Magma Health Insurance for Family

OneHealth Insurance policy by Magma HDI is a comprehensive health insurance policy to protect your family. The policy covers all medical care needs like medical conditions and lifestyle diseases under one plan. It has cover for maximum 4 adults and up to 3 kids. The cover is available for self, spouse, children, parents, parents-in-law, son and daughter-in-law, and more. Coming with four variants, namely Support, Support Plus, Shield, and Premium with different sum assured, the policy is also available on an individual basis.

Key Features

• Cover available on an individual as well as family floater basis
• 4 adults and up to 3 kids are covered under the floater basis
• The sum insured under the policy starts at Rs. 2 Lakh and goes to Rs. 50 Lakh
• Add-on benefits of Critical Illness and Personal Accident Cover
• This plan comes with lifelong renewability
• An option to restore the sum insured up to 100% of the sum insured
• Availability of cumulative bonus and free health check-up

Scope of Coverage

• Pre & post-hospitalisation for a specific number of days in all the variants
• Inpatient treatment, including room rent, doctor’s fee, OT charges, medicines, etc.
• Daycare procedure, organ donor and domiciliary hospitalisation expenses
• E-opinion for any specified critical illness
• Maternity, newborn baby and vaccination for the newborn under the Premium variant
• AYUSH cover, psychiatric, IVF procedure under all the plans
• Expenses incurred on worldwide emergency hospitalisation and air ambulance under Premium plan

Eligibility

To buy the Magma HDI’s OneHealth Insurance policy, the minimum entry age of the policyholder should be 18 years and maximum of 65 years. For a child, the minimum age is 91 days, whereas for the individual plan the minimum entry age is 5 years.

Exclusions

• Critical illness not covered until the waiting period of 90 days
• Pre-existing disease until the waiting period of 2 to 4 years
• Treatment related to external congenital anomaly and disorders
• Cataract, hernia and joint replacement within the 2-year waiting period
• Any disease caused by substance abuse or use of drugs

Whether you want to buy the OneHealth Insurance policy on an individual or the family floater basis, call our toll-free number 1800-120-5698. Our experts are ready to help customers so they can make informed decisions while choosing a health policy.