ONE HEALTH INSURANCE POLICY

ONEHEALTH INSURANCE POLICY
When medical emergencies strike, you not only have to go through physical and mental pain, but also have to deal with financial losses. The least you can do is be prepared for these emergencies. Our One Health Insurance policy helps you do just that. It's a comprehensive insurance policy that pays your hospital bills, offers a no-claims bonus, rewards you for staying fit, offers discounts on premium the list just goes We also offer an option to pay your health policy premium in installments in all our health indemnity insurance products. You can opt this at the time of buying or at the time of renewal.
A range of insurance plans to choose from
Optional covers of critical illness and accidents
Optional covers to reduce your premium
Cashless hospitalization across 4300+ hospitals
24x7 claim assistance
How Much Do you need to pay Section
Your One Health Insurance premium depends on following factors

PLAN TYPE
-Individual or Floater
-PLAN OPTED
-5 plan options to choose from
-SUM INSURED
-2 Lakh to 1 Crore SI options
-COST SHARING
-OPTIONAL COVERS You can opt deductible or Co-pay
-AGE
-completed years of age
-OPTIONAL COVER FOR ENHANCED COVERAGE
-You can opt lump sum benefit covers CI and PA
-ZONE
Zone 1, 2 or 3 as per your choice
-POLICY TENURE
(1 year, 2 year or 3 year policy)
-Insure your health in 3 easy steps
Step 01

Magma HDI's One Health Plans
You have 5 plan options to choose from. Each plan has Sum Insured options . Choose a plan and Sum insured option keeping in mind the present and future health needs of you and your family.
One Health

Additional Covers
-We have designed these covers to enhance your coverage further. Covers you can buy at an additional premium.
-A lump sum amount is paid if the insured person suffers from one of the 11 defined critical illness
-Cancer of Specified Severity
-Myocardial Infarction (First Heart Attack of specific severity)
-Open Chest CABG
-Open Heart Replacement or Repair of Heart Valves
-Coma of Specified Severity
-Kidney Failure requiring Regular Dialysis
-Stroke resulting in Permanent Symptoms
-Major Organ/Bone Marrow Transplant
-Permanent paralysis of Limbs
-Motor Neuron Disease with Permanent Symptoms
-Multiple Sclerosis with Persisting Symptoms
- lump sum amount is paid in the event of permanent total disability or death of the insured person, due to accidental injuries.
-Nature of Disablement
-Percentage of Limit for Personal Accident Cover payable
-Total and irrecoverable loss of sight of both eyes 100%
-Actual loss by physical separation of two entire hands 100%
-Actual loss by physical separation of two entire feet 100%
-Actual loss by physical separation of one entire hand and one entire foot 100%
-Total & irrecoverable loss of sight of one eye 50%
-Actual loss by physical separation of one entire hand or of one entire foot
50%
-Total and irrecoverable loss of use of a hand or a foot without physical separation
50%
-If such Injury shall, as a direct consequence thereof, immediately, permanently, totally and absolutely, disable the Insured Person from engaging in any employment or occupation of any description
100%

Optimize your premium
These optional cover can be opted to reduce premium. By opting this you agree to cost sharing at the time of claim.
You can reduce your premium by opting for:-
Co-payment: At the time of claim the insured will be paying a part of the expense
Deductible: We will pay only for the amount over and above the deductible, up to the sum insured limit

What's Covered
Each One Health insurance plan has
Base covers
Additional covers
Base covers are meant for...
Various medical expenses maximum up to the Sum Insured limit
Key benefits under base covers
Modern treatment procedures including Robotics surgery, oral chemotherapy etc. are covered
In-patient hospitalization: for hospitalization expenses like doctor's fees, operation theatre cost, surgery cost, anesthetist's charges and nurses charges
Day care treatment cover: For expenses towards modern procedures that don't require 24 hour hospitalization, eg: a cataract surgery
Pre-hospitalization cover: For expenses incurred before admission to a hospital
Post-hospitalization cover: For expenses after discharge from a hospital
Ambulance cover: for expenses towards emergency road ambulance assistance
Organ donor expense cover: For hospitalization expenses of the person who is donating an organ to the insured person
Domiciliary hospitalization cover: For expenses of hospitalization at home in case a patient cannot be taken to a hospital or if hospital beds are unavailable
AYUSH cover: For non-allopathic treatment like Ayurveda
IVF treatment cover
Bariatric surgery cover
Psychiatric cover
Lasik surgery cover
Additional covers offer benefits that are over and above the Sum Insured limits.
Cumulative bonus : Which once accrued is not reduced, even if you make a claim
Free annual health check-up : For all adult insured persons, irrespective of claims
Your One Health policy gives you a host of other benefits. Please refer to our policy document for details.


What's Not Covered
Some conditions are not covered in your policy. While a few others are, after a defined waiting period
Initial waiting period
For all treatment expenses, except accidents, the initial waiting period of 30 days is applicable
For the critical illness cover, the initial waiting period is 90 days
Specific disease waiting period
For some defined illnesses like cataract, hernia and joint replacement surgeries, a 2-year waiting period from the start date of the first policy is applicable
Pre-existing disease waiting period
For a pre-existing disease, a waiting period of 2 to 4 years (as per the plan you have opted for) is applicable
Permanent exclusions
The treatments related to permanently excluded conditions are not covered under this policy. Here are some examples
Treatment for alcohol abuse, substance abuse or addictive condition

Any alternative treatments expect benefit under AYUSH treatment section
Treatments for an illness or injury resulting from a nuclear or chemical contamination, war, riot and so on.
Drugs or treatments not supported by a prescription
For cover specific waiting periods, and complete list of exclusions and other details, please refer to our policy document.