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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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Choosing the appropriate health insurance in India in 2025 will imply a compromise between individual requirements and a credible insurance company. Magma HDI is a joint venture insurance firm that has a range of health policies in its portfolio, known as Onehealth. The Onehealth Support Plus Plan and the Onehealth Secure Plan are two of the most outstanding plans. These two plans have both been developed with the rising costs of healthcare and varying customer needs. Which of these is most appropriate to your family? We are going to examine them in detail in terms of coverages, important features, cost, and in real-life situations.
Magma HDI has gradually gained popularity as the cost of healthcare in India continues to increase with the passage of time. Families are relying on extended coverage and expedited claim forms with medical treatment innovations and unpredictable illnesses. The Onehealth Secure and Support Plus plans are set to offer customized solutions which includes all of the hospitalization to post-care recovery and so they are worth consideration by the majority of Indian families.
Will Magma HDI be a trusted health care insurance company in 2025?
No, Magma HDI is still having a high claim settlement ratio and better customer support infrastructure thus making it a secure choice this year.
The Onehealth Secure Plan is aimed at the people and families, who prefer to have an all-rounder policy with no unnecessary complications or exaggerated premiums. These are the things that the policy usually contains in 2025:
Did you know?
The annual health checkups provided under the Secure Plan usually motivate the early detection of diseases and thus the customers reduce the medical expenses in the long-term.
Support Plus is available to customers with pre-existing or chronic conditions or would like additional protection to basic coverage. It also focuses on inclusion and assists individuals that are typically excluded by standard policies.
And why is the Secure Plan a good alternative to young families?
It is cheap, caters to various situations and is all-inclusive to protect the family as it expands.
Did you know?
The Support Plus Plan was also created to resolve the insurance gap among patients who are chronic and upon whom constant visits to the hospital is the norm.
| Plan | Onehealth Secure Plan | Onehealth Support Plus Plan |
|---|---|---|
| Sum Insured (Range) | 2 lakh - 50 lakh | 3 lakh - 10 lakh |
| Waiting Period (Pre existing) | 36 months | 12-24 months |
| Age at Entry | Up to 65 years old | Up to 65 years old |
| No Claim Bonus | 50 percent or less | 25 percent or less |
| Annual Health Checkup | Yes | No |
| Eligibility on Chronic Ailments | Not preferred | Ideal on chronic/pre-existing |
| Daycare | 500 | 400 or more treatments |
| Domiciliary Hospitalization | Limited/optional | Yes (standard) |
| Premium Range (Rs 5 lakh, 30y) | Rs 7,200 - 9,900 p.a. | Rs 9,500 - 13,500 p.a. |
| Family Floater Option | Yes | Limited |
| Restore Benefit | Yes (optional) | Yes (standard) |
Expert Insight:
Health insurance advisors of 2025 suggest that it would be best to consider medical history and family needs to select between basic and chronic-illness focused plans.
The Onehealth Secure Plan is effective in the event that you are a family that tends to be in good health history and you desire an overall coverage at affordable rates. It provides increased coverage limit, benefits such as no claim bonus, annual checkups as well as flexibility in add-ons.
Onehealth Support Plus is friendlier to the seniors, the diabetic, hypertensive, cardiac and the long-term illnesses and recently recovered. It has additional support layers of common but hitherto uncovered conditions in routine health policies.
What is the process of claim under both plans of Magma HDI in 2025?
The claims can be made online or at the network hospitals to be settled in cash. This year it is more digitalized, instant claim tracking and eKYC has been implemented to speed up authorization.
What is the Significance of Pre-existing Disease Coverage Information?
The primary point of difference is the pre-existing disease coverage. Secure has a longer waiting period (three years), whereas Support Plus has a shorter two-year limit that is to their advantage in case of previous or current health problems.
Did you know?
Hospitalisation on diabetes related complications increased by 18 percent in 2025 and this requires policies such as Support Plus to be essential to many.
Both Magma health plans are currently providing more riders to HDI health plans. The secure plan will give you a choice of options such as AYUSH coverage, personal accident, and maternity. Support Plus is more stringent although it does include restoration of sum insured and specific critical illness add-ons.
When making comparisons, consider which of the available add-ons actually fits your probable needs and purchasing all of them.
Expert Insight:
In 2025, insurance experts recommend that online premium calculators be used to estimate the cost-benefit of every add-on as unnecessary extras can add a lot of annual payouts.
Cost has been one of the major user factors. Whereas Secure is cheaper in terms of large sum insured, Support Plus is comparatively expensive because of the longer terms and reduced waiting periods. The difference in the premiums is magnified in elderly individuals and individuals with prior claims.
For example:
Which one is not more difficult to renew without medical examination in 2025?
Support Plus tailored support has been created to be able to continue with renewals with minimum medical documentation after onboarding.
Who Should Buy Secure:
Who Should Buy Support Plus:
Did you know?
By 2025, more than 30 percent of new clients at Magma HDI have signed up using entirely-digital onboarding that uses video KYC, which simplifies the purchase and administration of health insurance more than ever before.
Q1. Is Magma HDI onehealth secure plan adequate to elderly citizens?
Yes, to the age of 65 years of entry, however, might not pay off some older conditions as fast as the Support Plus Plan.
Q2. Do I have the option of changing to Secure or Support Plus?
New underwriting is needed to upgrade to Support Plus, though in most instances, it is possible to port during the time of renewal.
Q3. What are the number of claims I will be able to make at either plan in one year?
The number of claims is not restricted provided that the sum insured is not depleted.
Q4. Does it cover maternity costs in these schemes during 2025?
Maternity is also available as an add-on under Secure though not generally under Support Plus.
Q5. Who does a superior network of cashless treatment?
The same nationwide hospital network is used by both plans as cashless authorisation.
Q6. What is the pre and post hospitalisation cover?
Secure and Support Plus covers them both (60 to 90 days) however, check the sum insured limits of each in the policy schedule.
Q7. Does it include domiciliary hospitalisation?
Support Plus and as an add-on or limited under Secure Plan fully covers domiciliary treatment.
Q8. What is the renewal bonus?
They both have cumulative bonuses but at varying rates: Secure will provide up to 50 percent; Support Plus will reach 25 percent within claim-free years.
Q9. Is it possible to cancel the add-ons after a year?
Yes, add-ons are normally subject to modification or termination during renewal.
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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