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Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Health insurance is arguably one of the most important decisions that families and individuals make these days particularly with the increase in healthcare expenses every year. In the year 2025, the ICICI Lombard Elevate Plan and the Magma HDI Onehealth Secure Plan are two such policies that are becoming popular in India. As the two options have their own distinct features, it is easy to get lost in choosing the right one. This paper provides a fair, detailed comparison to enable you to define which plan is more in line with your health requirements and expectations.
These two plans aim at covering Indian customers who seek comprehensive health cover in 2025. Magma HDI Onehealth Secure Plan has value pricing and additional wellness benefits, whereas the ICICI Lombard Elevate Plan is characterised by a large coverage volume, individualisation, and digital-first operations. Both plans are similar in terms of covering basic medical costs, however, they vary in terms of features, premiums, and value additions.
What is the major difference between ICICI Lombard Elevate and Magma HDI Onehealth Secure?
Answer:
The two plans, though both holistic health insurance plans, are more differentiated in the choice of sum insured and customisation in the ICICI Lombard Elevate Plan, which is more oriented on the higher sum insured and wider customisation, compared to the Magma HDI Onehealth Secure Plan, which is more oriented on affordability and other wellness benefits.
Expert insight:
Was it known that the rate of claim of the chronic diseases increases with pollution? Restoration and wellness support plans could be critical in the urban Indian cities by 2025.
A standard comparison table of a 35 year old who is non-smoking and resides in Delhi NCR-annual premium of a 10 lakh sum insured looks like as follows:
| Characteristic | ICICI Lombard Elevate | Magma HDI Onehealth Secure. |
|---|---|---|
| Slab Range of Sum Insured | 5 lakh to 1 crore | 3 lakh to 50 lakh |
| 10L Premium (Personal/Family floater) | Rs. 12,500/Rs. 17,600 | Rs. 10,800/ Rs. 14,700. |
| No Claim Bonus | Up to 100 percent | Up to 100 percent |
| Restoration Benefit | Unlimited | One per year. |
| OPD Cover | Yes | Yes |
| Maternity Cover | Available add on | Available upon 24 months. |
| Network Hospitals (Estimated) | 7500 plus | Around 5500 |
| Annual Checkup | Yes | Yes |
| Wellness Rewards | Yes | Yes (with a greater discount) |
The premiums could be different depending on the age, city, sum insured, and other riders.
Which is cheaper between the two plans to a family of four?
Answer:
In the case of moderate amount sum insured families, Magma HDI Onehealth Secure will most likely have lower premiums as compared to ICICI Lombard Elevate, whereas ICICI Lombard Elevate will be better with higher sum insured or high frequency or high claims.
Not every plan option has all the add ons hence always look at the policy wordings.
Expert insight:
Did you know? A large number of consumers in 2025 are opting to take plans that have global health cover but with local characteristics particularly among children who are studying or working abroad.
ICICI Lombard is digital-first with onboarding, has settlement via app or web, 24x7 chatbots and real-time queries. On the mobile the customers can monitor claims, download E health card, and access wellness programs.
Improvement of the mobile experience was made by Magma HDI, which has end of 2024 provided app-based claims on hospitalisation and telemedicine consultations. Nonetheless, according to the customer reviews, complex claims will take a little longer to resolve.
Both the plans have begun to cover consultations on OPD as well as the base cover or as an addition. ICICI Lombard Elevate also covers OPD, yearly check up of health and a well-designed system of wellness points which can be converted to health rewards. Magma HDI Onehealth Secure provides OPD doctor and diagnostics as add ones, and special promotions to the customers who practice steps tracking and preventive checkups.
Both the plans promote preventive healthcare by rewarding such activities as annual checkups, exercise, and health screening.
Does OPD cover majorities of health insurance in India by 2025?
Answer:
Yes, OPD coverage is gradually becoming a routine benefit or an addition benefit, due to the increased demand of day-to-day medical expenses cover.
ICICI Lombard claims settlement ratio is 98 percent in 2024, continuing to have fast, all-digital processes on cashless network hospital claims. Their customer service responds to most of their queries within a period of 24 hours in various channels.
Magma HDI possesses a decent claim settlement ratio of more than 96 percent but in 2024, customers have claimed that the company is slow in dealing with large complex claims cases. They have a wide network but not so extensive as some old insurance companies.
The common exclusions in both the plans include pre existing diseases ( waiting period of 36 months), cosmetic surgeries unless necessary, adventure sports accidents, and alternative therapies beyond limits.
Both plans have specific waiting periods of named ailments and a different maternity cover. Always check:
Expert insight:
Waiting period on pre existing conditions; these terms are not always warned and many buyers are surprised when the claims are delayed based on such terms, when transferring a group to an individual insurance.
To the extent that you focus on vast hospital network, larger amount insured, unrestricted restoration and advanced digital administration, the ICICI Lombard Elevate Plan can work well in your favor.
When your benefits requirements are cost effective coverage with receptive OPD and wellness and you do not need very substantial sum insured, then the Magma HDI Onehealth Secure Plan is a prudent selection, particularly to young couples and small families.
The two companies are well supported and life renewable. Never leave sample policy documents unmatched and where necessary, consult a certified insurance advisor to align the plan features with your health risk profile of your family.
Who is a better option between the two plans by senior citizens?
The two plans have entry of senior citizens but the ICICI Lombard Elevate has more covers which may be customised to cover higher age groups as well as more extensive network of hospitals.
Are sub limits to surgery and treatments possible?
Yes, both could possibly have sub limits particularly day care, cataract and joint replacement procedures. Never assume the policy wordings.
How readily can you transfer port out of some other insurer to these plans?
Both plans are portable, although underwriting and waiting period modifications apply to a pre existing illness.
Is it possible to receive cashless treatment in India?
ICICI Lombard has more network of over 7500 hospitals and Magma HDI is trailing. Always look online at the current list of hospitals to purchase at.
Are wellness rewards redemption-easy in both policies?
Yes, the two have point systems of healthy activities that can be redeemed into vouchers, health services or discounts.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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