Magma HDI One Health Premium - 20,30,40 & 50 Lakh Vs Max Bupa Heartbeat Health Insurance Family Floater - Gold - 30 Lakh Health Plan Comparison
Magma HDI
One Health
Premium
20,30,40 & 50 Lakh
Change plan
Max Bupa
Heartbeat Health Insurance
Family Floater - Gold
30 Lakh
Change plan
Policy Tenures (Years)
1,2,3
1,2
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
100
Minimum Entry Age (Child)
91 days
91 days
Maximum Entry Age (Child)
25
21
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
0
Fully Covered
No. of Day Care Treatments Covered
541
All
No Pre-Policy Medical Tests Age
Compulsory for all ages
Compulsory for all ages
Room Rent
Not Covered
Actual Rent
ICU Rent
Not Covered
Actual Rent
Waiting Period for Pre-existing Diseases (months)
30
30
Waiting Period for Named Ailments (months)
24
24
Pre-hospitalisation Expenses
Actual expenses for Upto 60 days
Actual expenses for Upto 60 days
Post-hospitalisation Expenses
Actual expenses for Upto 90 days
Actual expenses for Upto 90 days
Domiciliary Treatment
Actual expenses
Actual expenses
Maternity Expenses
Waiting period of 48 months
Waiting period of 24 months
Newborn Coverage
Not Covered
Actual expenses for
Recharge of Sum Assured
Optional
Hospital Cash Benefit
Optional
Ambulance Charges (Rs.)
10000
Not Covered
Air Ambulance Charges (Rs.)
100000
Not Covered
Health Check up
Covered , Free Health check up-Annual
Covered , Annually covered up to 2,500 per insured person
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
100% of Sum Assured
Actual expenses
Second Opinion
Not covered
Not covered
e-Opinion
Covered
Not covered
Cumulative Bonus
Yes, 33.33% of Sum Insured, subject to a maximum of 100%
Yes, 10% of base Sum Insured per annum maximum up to 100% of base Sum Insured
Co-payment
% of Sum Assured , Option to choose 10% or 20% and 20% is mandatory i
% of Sum Assured , Options of 10% and 20% co-payment
Cashless Hospital Network
No Cashless Treatment
3500 hospitals across India
Free Look Period
15 days
15 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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