New India Mediclaim Policy Individual - 1 Lac and 2 Lacs Vs Magma HDI One Health Support Plus - 2 & 3 Lakh Health Plan Comparison
New India
Mediclaim Policy
Individual
1 Lac and 2 Lacs
Change plan
Magma HDI
One Health
Support Plus
2 & 3 Lakh
Change plan
Policy Tenures (Years)
1
1,2,3
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
65
Minimum Entry Age (Child)
3 months
91 days
Maximum Entry Age (Child)
18
25
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
0
No. of Day Care Treatments Covered
73
541
No Pre-Policy Medical Tests Age
50
Compulsory for all ages
Room Rent
Not Covered
Not Covered
ICU Rent
Not Covered
Not Covered
Waiting Period for Pre-existing Diseases (months)
48
48
Waiting Period for Named Ailments (months)
Pre-hospitalisation Expenses
Actual expenses for Upto 30 days
Actual expenses for Upto 30 days
Post-hospitalisation Expenses
Actual expenses for Upto 60 days
Actual expenses for Upto 60 days
Domiciliary Treatment
Not Covered
Actual expenses
Maternity Expenses
Not Covered
Not Covered
Newborn Coverage
Actual expenses for till expiry of current policy period
Not Covered
Recharge of Sum Assured
Optional
Ambulance Charges (Rs.)
1% of Sum Assured
5000
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Health Check up
Covered , 5000 or 1% of average sum insured at the end of block of every 3 claim free years
Covered , Free Health check up-Annual
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Actual expenses , Subject to Maximum of 25
50% of Sum Assured , Subject to Maximum of 25
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Covered
Cumulative Bonus
Yes, 10% of Sum Insured, subject to a maximum of 100%
Co-payment
% of Sum Assured , Option to choose 10% or 20% and 20% is mandatory i
Cashless Hospital Network
1743 hospitals across India
No Cashless Treatment
Free Look Period
15 days
15 days
Grace Period
30 days
30 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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