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Last updated on: August 7, 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 gradually becoming a fundamental need of families and individuals in India. The decision about what insurance plan to take is baffling with the growing health issues and the escalating medical charges. Magma HDI general Insurance covers a variety of health plans, yet, its two most popular plans- OneHealth Secure Plan and OneHealth Shield Plan- are frequently compared by the customers who want to find the best plan. The article has a 2025-ready breakdown that will allow you to select the plan that will suit your needs.
OneHealth Secure and OneHealth Shield are both medically rich health insurances of Magma HDI. These policies are to cover up to high-level healthcare expenses, such as hospitalisation and treatments among other health-related expenditures. The Secure plan is the basic plan and the Shield is a full upgrade which includes extra features as protection is broader.
These two plans need to be compared since they are in the same line of the product, however, their benefits and pricing plans differ. The knowledge of the differences assists the policyholders to avoid being underinsured or making unjust premiums.
Did you know? In a survey conducted in 2024, approximately 50 percent of Indian families in the urban areas regard coverage to be the determinant when choosing to purchase health insurance plans.
Expert Wisdom: In India, insurers are introducing new wellness and preventive care benefits to Shield-type plans, which are making them very attractive to large families and those who want holistic health cover.
| Option | OneHealth Secure | OneHealth Shield |
|---|---|---|
| Sum Insured (Max) | Rs 50 lakh | Rs 1 crore |
| Room Rent Limit | Single AC Room | Suite Room |
| Pre-Hospitalisation | 60 days | 90 days |
| After Hospitalisation | 90 days | 180 days |
| Maternity/Newborn | Not available | Up to Rs 2 lakh |
| No Claim Bonus | Up to 50 percent | Up to 100 percent |
| Daycare Treatments | Yes | Yes |
| Restorative Benefit | Yes | Yes |
| Second Opinion | No | Yes |
| Wellness Benefits | Basic | Enhanced |
Secure plan is suitable in case of:
It offers fundamental benefits to the reduced cost of premium.
The Shield plan can be suggested to:
Both these plans provide critical illness as an add-on but Shield has more detailed options with fewer restrictions.
Secure and Shield plans will include typical exclusions such as:
Premiums are based on sum insured, age, family size and add-ons. At the same level of coverage, the Shield plan is usually 20 to 50 percent more expensive as compared to the Secure plan.
Example: (2025, Male, 35 yrs, individual cover):
| Sum Insured | Secure Plan Premium | Shield Plan Premium |
|---|---|---|
| Rs 10 lakh | Rs 6,200 | Rs 8,900 |
| Rs 25 lakh | Rs 10,500 | Rs 15,600 |
| Rs 50 lakh | Rs 16,200 | Rs 24,800 |
Did you know? Indian insurance digital platforms are now able to do real-time policy comparison and do premium calculators on Magma HDI health plans.
Yes, policyholders can port or upgrade their plan at renewal at the time of underwriting. The waiting periods can only be applied on new benefits.
Secure and Shield have in common the Magma HDI network that has over 7,200 cashless hospitals in 2025 in India.
Both plans cover all daycare procedures that do not need 24-hour hospitalisation such as chemotherapy, dialysis, and minor surgeries.
Yes, parents are allowed under both schemes; but, according to both, premiums will rise according to age.
OneHealth is the series of magma HDI which competes with the leading Indian health insurers in terms of:
Yes, both plans have super topping up plans. This assists in the extension of sum insured without alteration of base plans which is viable in case of families that have known health risks.
Both plans rank well in terms of: in customer reviews on ratings websites and insurance aggregators.
Shield plan is particularly common among those families that are interested in the maternity and greater claim limits.
Expert opinion: According to a health insurance analyst in Mumbai, Indian consumers are moving towards advanced plans and basic plans and especially after the pandemic, such plans as Shield are adjusted to this trend.
Secure plan benefits are basic wellness benefits such as free health check ups after every two years. Shield plan adds to this annual examinations, fitness coaching and appealing incentives against unhealthy lifestyles.
The two plans, notwithstanding their merits, have shortcomings:
| Attribute | OneHealth Secure | OneHealth Shield |
|---|---|---|
| Best for | Individuals, small families | Large families, advanced features |
| Sum Insured | 1-50 lakh | 1-1 crore |
| Premium (approx.) | Rs 6,200- Rs 16,200 | Rs 8,900- Rs 24,800 |
| Room Rent | Private AC room | Suite room |
| Maternity | No | Yes |
| Other Add-ons | Limited | Many |
Q1: Do both plans have a tax benefit of Section 80D?
Yes, both plans can be claimed by policyholders as 80D tax deduction.
Q2: Which one is superior to senior citizens?
Shield plan is better in terms of coverage, more add-ons and it is suitable in older people with a high risk of health issues.
Q3: Are you able to purchase Shield, regardless of owning Secure?
Yes, and you can upgrade at renewal, although the wait times on new covers can exist.
Q4: If it is better to cover maternity in 2025?
The Shield plan is the only plan that includes maternity and newborn benefits.
Q5: How to decide on the optimal sum insured?
Take into account family size, the local hospital costs, and also the probable medical requirements within the coming five years.
Q6: Does each plan have cashless hospitalisation?
Yes, both the Secure and the Shield plans have the same cashless hospital network.
Q7: Does Shield plan provide me with international coverage?
Both plans are concerned with Indian healthcare costs only as of 2025.
Q8. Are we covered with all ailments since Day 1?
Some of the diseases and maternity claims have waiting periods as stipulated in the policy documents.
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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