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Magma General · MAGHLIP27040V012627

Magma General OneHealth 10.0

Magma General OneHealth 10.0 (IRDAI UIN MAGHLIP27040V012627) is an individual and family floater health insurance plan with sum insured from 3 lakh to 3 crore (13 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Magma General OneHealth 10.0 is a health insurance plan from Magma General. Key specifications: plan type Individual and family floater, room rent Single private AC room, pre-existing disease waiting 36 months. Among health insurance here it fits best for longer pre- and post-hospital cover.

Sample premium ₹7,682 a year*

*For: 1 Adult, age band 26-30, Sum Insured 10,00,000, Zone 1 (highest-priced zone), base covers excluding PA and CI, office rate, excluding GST. Your premium will differ.

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Plan type
Individual and family floater
Room rent
Single private AC room
Pre-existing disease waiting
36 months
Sample annual premium
₹7,682

Cons

  • Co-payment: 20% if entry age is 61 years or more

Who should buy it

  • Best for Longer pre- and post-hospital cover · What matters most? (pick any) #10 of 53 health insurance for this

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 50 lakh, 1 crore, 2 crore, 3 crore
Highest sum insured 300 lakh
Entry age From 91 days (no maximum stated)
Room rent Single private AC room
Co-payment 20% if entry age is 61 years or more

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 180 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit 100% of SI for unlimited times and all illness on exhaustion and insufficiency from 2nd claim onwards
No-claim bonus For SI < 10L - 20% of SI, for SI >= 10L - 50% of SI, subject to a maximum of 100%
Maternity Optional: up to INR 1,00,000 or 2,00,000; waiting period 24 months (Option A) or 12 months with 3+ year tenure (Option B)
OPD Optional Outpatient Cover: Option A up to INR 10,000 or Option B up to INR 20,000

Premium

Sample annual premium ₹7,682
Sample premium is for 1 Adult, age band 26-30, Sum Insured 10,00,000, Zone 1 (highest-priced zone), base covers excluding PA and CI, office rate, excluding GST

Insurer

Health incurred claim ratio (insurer) 85.54%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
IRDAI UIN MAGHLIP27040V012627

About the OneHealth 10.0

Magma General OneHealth 10.0 (IRDAI UIN MAGHLIP27040V012627) is an individual and family floater health insurance plan with sum insured from 3 lakh to 3 crore (13 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Magma General.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 50 lakh, 1 crore, 2 crore, 3 crore
  • Entry age: From 91 days (no maximum stated)
  • Room rent: Single private AC room
  • Co-payment: 20% if entry age is 61 years or more

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 180 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: 100% of SI for unlimited times and all illness on exhaustion and insufficiency from 2nd claim onwards
  • No-claim bonus: For SI < 10L - 20% of SI, for SI >= 10L - 50% of SI, subject to a maximum of 100%
  • Maternity: Optional: up to INR 1,00,000 or 2,00,000; waiting period 24 months (Option A) or 12 months with 3+ year tenure (Option B)
  • OPD: Optional Outpatient Cover: Option A up to INR 10,000 or Option B up to INR 20,000

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, none has a longer one and 21 have the same.

Premium

It depends on your age, cover, city and options. Magma General's own published premium table gives ₹7,682 a year for this profile: 1 Adult, age band 26-30, Sum Insured 10,00,000, Zone 1 (highest-priced zone), base covers excluding PA and CI, office rate, excluding GST. Your premium will differ; get a quote from the insurer.

About the insurer

Magma General's health incurred claim ratio was 85.54% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid.

Similar plans from other insurers

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the OneHealth 10.0

All health insurance →

Aditya Birla Health

Activ Health Platinum Enhanced

  • Individual and family floater Plan type
  • SI Rs 4 lakh and above: options Shared Room / Single Private A/C Room / Any Room; SI up to Rs 3 lakh: Shared Room / Single Private A/C Room Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

ICICI Lombard

Elevate

  • Individual and family floater Plan type
  • Up to a Single Private AC room Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

ManipalCigna

Sarvah Uttam

  • Individual and family floater Plan type
  • Single Private AC Room; optional modification to Any room or Twin Sharing AC room Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Head to head

Compare the OneHealth 10.0

Questions

OneHealth 10.0 FAQs

It depends on your age, cover, city and options. Magma General's own published premium table gives ₹7,682 a year for this profile: 1 Adult, age band 26-30, Sum Insured 10,00,000, Zone 1 (highest-priced zone), base covers excluding PA and CI, office rate, excluding GST. Your premium will differ; get a quote from the insurer.

MAGHLIP27040V012627. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: Single private AC room.

Co-payment as stated by the insurer: 20% if entry age is 61 years or more.

Maternity as stated by the insurer: Optional: up to INR 1,00,000 or 2,00,000; waiting period 24 months (Option A) or 12 months with 3+ year tenure (Option B).

60 days before and 180 days after hospitalisation.

3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 50 lakh, 1 crore, 2 crore, 3 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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