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OneHealth 10.0 INSURANCE POLICY

OneHealth 10.0 is designed to stay ahead of your health insurance needs — not just with extensive coverage and wellness support, but also with smarter claims-focused features that reduce stress when you need support the most. From upgrading your coverage even during a claim or renewal, to getting compensated for claim inconveniences and maximizing hospital bill payouts, OneHealth 10.0 helps you face medical uncertainties with greater confidence and peace of mind.

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KEY BENEFITS

Cumulative Bonus

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Recharge of Sum Insured

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Companion Benefit

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Fitness Rewards and Wellness Services

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Modern Treatment Procedures

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ELIGIBILTY AND POLICY DETAILS

Policy Type

Multi Floater, Individual, Family Floater, Multi-Individual

Family Covered

Self, Spouse/live-in partner, Dependent children, Parents & parents-in-law, Extended family (brothers, sisters, son-in-law, daughter-in-law, etc.)

Policy Tenure

(1 Year, 2 Year, 3 Year, 4 Year or 5 Year policy)

SUM INSURED

INR 3L / 4L / 5L / 7.5L / 10L / 15L / 20L / 25L / 30L / 50L / 1 Cr / 2 Cr / 3Cr / Unlimited

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In-Patient Hospitalization

Covers medical expenses incurred during hospitalization, including:

  • Room rent (Single Private AC room)
  • ICU charges
  • Doctor fees
  • Medicines and consumables
  • Diagnostics and surgery costs

Pre & Post Hospitalization

  • It covers medical expenses incurred in respect of an Injury or Illness before and after hospitalization.
  • Applicable when claim is admitted by Us under Inpatient Care.

Day Care Treatments

  • Covers procedures that do not require 24-hour hospitalization.
  • Any OPD treatment undertaken in a Hospital/Day Care Centre will not be covered under this Benefit.

Road Ambulance Cover

  • Covers transportation by road ambulance to the nearest Hospital with adequate facilities in an Emergency.

Organ Donor Expenses

  • Covers the medical expenses incurred towards in-patient hospitalization of an organ donor for organ transplant surgery.

Domiciliary Hospitalization

  • Covers treatment taken at home when hospitalization is not possible.
  • Minimum duration: 3 continuous days.

AYUSH Treatment

Covers in-patient treatment under:

  • Ayurveda
  • Yoga
  • Unani
  • Siddha
  • Homeopathy

IVF Treatment

  • Covers the medical expenses incurred for IVF (in-vitro fertilization) treatment.
  • Person undergoes the treatment before 40 years of Age.
  • A waiting period of 3 years from the Policy Inception Date shall be applicable for this Benefit.

HIV/AIDS Cover

  • Covers the in-patient Hospitalization, Day care treatment and Pre-post Hospitalization expenses

Psychiatric Treatment

  • Covers in-patient mental health treatments
  • Includes pre and post hospitalization expenses
  • Pre-existing diseases (during the waiting period)
  • Specific illnesses during waiting period
  • Cosmetic treatments (unless medically necessary)
  • Substance abuse-related treatments
  • Non-medical expenses
  • Experimental or unproven treatments

OneHealth 10.0 Web Content OPTIONAL COVERS

OPTIONAL COVERS

Critical Illness Cover

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Personal Accident Cover

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Maternity Benefit

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Outpatient Cover

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Global Cover

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Air Ambulance Cover

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Unlimited Care

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Insta Cover

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Durable Equipment Cover

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Smart Network Benefit

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  • Comprehensive protection for health needs.
  • Wellness-driven approach with fitness rewards.
  • Advanced optional covers for future-ready protection.
  • Flexible Sum Insured options up to unlimited coverage.
  • Global treatment support.
  • Extensive cashless hospital network.
  • Lifetime renewability.
  • Upgrade your coverage even during claim or renewal.
  • Everything Payable for enhanced hospital bill coverage.
  • Claim Service Guarantee with compensation for inconveniences.
  • Unlimited Recharge with 150% extra recharge of Sum Insured.
  • Waiver of ‘No Active Line of Treatment’.
  • Enhanced Cataract Coverage.

  • Available as Individual, Family Floater, or Multi-Individual Policy.
  • Minimum entry age: 5 years (Individual Policy).
  • In Family Floater:

     

    • Child/grandchild entry age: 91 days.
    • Child on reaching age 26 years will be considered as adult on renewal
    • If already 4 adults are covered, the member is moved to a separate individual policy with continuity benefits.

 

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    <li><span>For coverage details, a complete list of exclusions, and other information, please refer to the policy wordings available in the downloads section of this website. *Benefits and coverages may vary based on the selected plan. For further details on risk factors and exclusions, kindly review the terms &amp; conditions and sales brochure carefully before completing a purchase. Magma General Insurance Limited (erstwhile Magma HDI General Insurance Company Limited) | www.magmainsurance.com | E-mail: customercare@magmainsurance.com | Toll Free: 1800 266 3202 | Registered Office: Equinox Business Park, Tower 3, Ambedkar Nagar, 2 nd Floor, Unit Number 1B &amp; 2B, LBS Marg, Kurla (West), Mumbai - 400070, Maharashtra, India | CIN: U66000MH2009PLC460693 | IRDAI Reg. No. 149 | UIN: MAGHLIP27040V012627 | Trade Logo displayed above belongs to Magma Ventures Private Limited and is used by Magma General Insurance Limited under license.</span></li>
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