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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 one of the most important investments in India, particularly 2025. There are always medical advancements and increased hospital costs that is why it is important to select the appropriate policy. The ICICI Lombard Elevate Plan and the OneHealth Support Plus Plan, Magma HDI.. are some of the most discussed ones this year. They both deliver differentiated advantages, rival premiums and specialised covers that serve the current healthcare requirements. This article provides a point to point comparison of these two health insurance plans and how they are relevant, benefit and what you need to take note of to enable you make a well-informed choice.
Both ICICI Lombard and Magma HDI are reputed health insurance companies in India that are known to satisfy their customers and pay their claims. Their new-age medical insurance products, Elevate and OneHealth Support Plus are aimed at providing individual and family health cover with a lot of new features by 2025.
Did you know? The annual data provided by IRDAI shows that both ICICI Lombard and Magma HDI had a health claim settlement ratio exceeding 96 percent of FY 2024-25, which is positive to rely on.
Both the insurers have a broad range of sum insured in 2025 but they differ in terms of how they approach the premium.
| Plan Name | Sum Insured Options | Initial Premium at 1 Adult age 30 years old | Coverage Type |
|---|---|---|---|
| ICICI Lombard Elevate Plan | [?]3 lakh - [?]50 lakh | [?]6,000 per annum | Individual/Family. |
| Magma HDI OneHealth Support | [?]2 lakh - [?]1 crore | [?]5,100 per annum | Individual/Family. |
Premiums will vary according to age, family size, add-ons and zone in 2025.
In India, no limit exists on the number of health insurance plans one can own. The settlement of claims however, is shared when both are used on the same occasion.
The Elevate and OneHealth Support Plus have large networks of hospitals.
Both have been reported to have strength in easiness of claim processing and faster cashless authorisation but ICICI Lombard is reported to have a bit more urban coverage.
The common and distinctive exclusions of the two plans are:
Expert knowledge: Waiting period clauses and exclusions are often revised by the insurers. The last policy document should be read before finalising.
Question: Does any of the plans include OPD and daycare?
A: In Elevate OPD is included as an add-on, in Magma HDI OneHealth Support Plus, all-daycare is included.
Pros:
Cons:
Pros:
Cons:
Did you know? Almost 83 percent of Magma HDI buyers mentioned high sum insured to be the biggest attraction in a recent policyholder survey and 74 percent of the ICICI Lombard purchasers valued its online claims experience.
Q: Which strategy suits the families that have elder parents?
A: Magma HDI usually features co-pay waivers and large covers on the older age group at reasonable costs which is more suited to the senior citizens.
Both plans will be very customisable:
This modular strategy has an advantage over the consumers who desire custom-made insurance without having to pay unnecessary benefits.
The processes of renewal are automatic and primarily online. The transformation between another insurer and Elevate or OneHealth Support Plus can be implemented on the condition that the policyholders request the transformation at least 45 days before the current plan expires. Portability enables one to continue the waiting period of pre-existing illness, and thus, you do not forfeit coverage benefits.
Professional judgment: The norms set by IRDAI permit uninterrupted renewability to life in case of compliant health insurance policies and therefore, both Elevate and OneHealth Support Plus are eligible.
Q: Are there any tax benefits on such plans?
A: Yes, the premiums paid are deductible under Section 80D of the Income Tax Act, 1961.
Authentic user comments and reviews are essential in the process of comparing health policies.
Q: Are these plans available to the NRI customers to purchase on behalf of their Indian families?
A: Yes, any resident Indian family member is permitted to purchase a policy at both of the insurers, as long as policy applicant adheres to the KYC norms of the insurer.
| Characteristic | ICICI Lombard Elevate | Magma HDI OneHealth Support Plus. |
|---|---|---|
| Sum Insured Range | 3 lakh -50 lakh | 2 lakh-1 crore |
| Cashless Hospital Network | More than 8,200 | More than 6,700 |
| Pre Policy Health Check | 46 and above | 45 and above |
| Restore/Recharge Benefit | 100 percent, one time per year | Several times per year. |
| OPD and Wellness Add-on | Extra option | Part of select options. |
| No Claim Bonus | 10 percent per annum | Maximum accrual to 200 percent. |
| Maternity Cover | Optional Rider | Optional waiting period. |
| Mental Illness Cover | Limited | Included by default. |
| AYUSH (alternative care) | Available with add-on | Standard, up to sum insured. |
| Waiting Period of PED | 24 months | 36 months |
| Digital App Features | Yes, advanced chatbot support | basic. |
| Portability Support | YES, IRDAI compliant | YES, IRDAI compliant |
Both ICICI Lombard Elevate and Magma HDI OneHealth Support Plus are strong health insurance plans that have special benefits. The ICICI Lombard is preferable to urban families who want to access with the help of cash and need additional add-ons; the Magma HDI is preferable to those who need to have high sum insured and value-based money in the case of bigger families or having older people as well. Below, see the latest documentation and quote based on your age, location, family size and health record to get your perfect fit in 2025.
Q: Should the settlement of claims be improved with ICICI Lombard or Magma HDI in 2025?
A: They are both claim ratio leaders of above 96 percent. Practical experience may be a little different between cities and hospitals.
Q: Does either of these plans offer me lifetime renewability?
A: Yes, the policies have the rule of lifelong renewability as provided by IRDAI.
Q: How long are the waiting periods on critical illnesses on these plans?
A: Elevate and OneHealth Support Plus have a waiting period of 2 years and 3 years respectively on an average. Critical illness riders can possess their waiting clauses.
Q: Which is superior between the alternative medicine such as Ayurveda?
A: Magma HDI provides the standard AYUSH cover in base plan whereas ICICI Lombard has to be added on.
Q: Do such plans provide any online purchase discounts in 2025?
A: Both the insurers provide digital policy programs, including nominal online and multi-year payment discounts.
Q: What is the age limit of the family floater options?
A: The dependents covered in both plans are spouse, children, dependent parents and in-laws to 25 years in children.
Always consult a certified health insurance advisor and always verify what the official brochures of the product are saying so as to be on the safe side.
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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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