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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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Need Indian health insurance policy that is the best in 2025? Top product plans include the Magma HDI Onehealth Secure Plan. and ManipalCigna Prime Active Plan., which is ideal with families and individuals. When deciding on one over the other, it is important to be informed of their coverage, individual benefits, waiting durations and claims procedures. In this guide we are going to compare these two common health insurance plans head to head so that you can get the right ones to suit your needs this year.
Magma HDI and ManipalCigna are two well-known Indian health care plans with reputed health insurance companies that have strong plans, extensive network of hospitals, and affordable premium. Their main products of 2025- OneHealth Secure Plan and Prime Active Plan respectively- will focus on customers who want to have all-inclusive medical cover.
The plans are largely similar in the nature of such features as cashless treatment, pre and post hospital costs, and new-age disease coverage. Nevertheless, some significant differences in the room rent limits, restoration benefits, maternity coverage, and special bonuses are present.
Did you know? As per the annual report, 2024, by IRDAI, 62 percent of new policy buyers had compared at least three plans before they bought health insurance.
So which one is more desirable Magma HDI or ManipalCigna health insurance?
The two insurers have good claim settlements and expansive hospital networks but they vary in plan attributes such as sum insured options and special add-ons.
| Plan | Magma HDI OneHealth Secure | Manipalcigna Prime Active. |
|---|---|---|
| Sum Insured Options | Rs 2 lakh -1 crore | Rs 2.5 lakh-1 crore |
| Pre Hospitalization | 60 days | 60 days |
| Post Hospitalization | 90 days | 90 days |
| Limit on room rents | NIL capping (above Rs 5L) | NIL capping (above Rs 5L) |
| Restoration Benefit | 100 percent | One restoration (unlimited) |
| Maternity Coverage | Waiting period of 3 years | Waiting period of 2 years. |
| OPD and Wellness Benefits | Yes | Yes. |
| Mental Health | Limited | Comprehensive. |
| Day Care Procedures | 586+ | 600+ |
| Cashless Hospitals (India, 2025) | 6,100+ | 8,000+ |
| Annual Health Checkup | Yes, all insured | Yes, all insured |
5L, 30 yr old (approximately) Premium Rs 7,800-Rs 9,200.
Subject to policy terms
Are both plans covered by maternity?
Yes, they both provide maternity coverage, but ManipalCigna does it after 2 years, Magma after 3 years.
Professional opinion: “Magma HDI designed the Secure Plan to be offered to the families and young professionals that mainly prefer to spend money on its value-based insurances but with the option to upgrade to the top-up features as their needs increase (2024).
Is Manipalcigna mental health?
Yes, Prime Active Plan includes both inpatient and outpatient mental health care services of all the insured members.
In the case of families having maternity plans, with young children, Manipalcigna Prime Active could be a good option because of its faster maternity eligibility and powerful newborn cover. The unlimited restoration also targets individuals whose family history has the chronic disease or high expectations of claims.
Magma HDI is a pocket-friendly favourite among families seeking to cover up to four adults and two children since premium rates are competitive and top-up option is convenient. It has no sub limits on the major expenses in order to have higher coverage hence fewer out-of-pocket expenses in the case of large hospital bills.
In the case of senior citizens, both plans have admission until 65 years (life time renewal). But the broader cashless system and disease specific add ons offered in Manipalcigna could be an extra form of security to the older generations or those with underlying disease.
Did you know? According to industry reports, the number of Indians purchasing health plans on those parents over the age of 60 years increased by 31 percent in 2024.
The two insurers have cashless claims. You can file claims via the internet, via mobile applications or by use of their customer care services.
In practice:
The required documents are similar: discharge summary, bills, prescription, insurance card, etc. reimbursement (when required) is also easy, and it is usually paid in 7 working days.
How many claims shall I make each year?
This is unlimited and you can make multiple claims according to your plan limit and sum insured.
Did you know? Over 87 percent of unsuccessful claims in 2024 were as a result of excluded or undisclosed illnesses at the point of purchase of the policy.
Both plans enable you to add more sum insured at the time of renewal without fresh medical test till the age of 55 in case of no claims.
Is it possible to port my current policy to these plans?
Both Magma HDI and Manipalcigna has the option of policy portability according to IRDAI regulations, without the risk of losing benefits of the waiting period.
Magma HDI OneHealth Secure provides you with low premiums, good cashless claim payments, and options to have flexible sum insured. The company has unlimited restoration, quicker maternity insurance, mental health insurance, and the largest cashless hospital network in India in 2025 which makes its product, Manipalcigna Prime Active. Families that attach importance to advanced add ons or are planning on having a baby soon might consider Manipalcigna Prime Active Plan appealing. Individuals on a stricter budget or desiring straightforward arrangements must check out Magma HDI. The most recent policy brochure should always be read and the personalized quotations should be compared before purchase.
Is it possible to purchase both policies as additional cover?
It is possible to have two policies, but must it be notified to insurers when claiming. Not all benefits are doubled.
What insurer has a superior customer service?
They both score high with ManipalCigna having a higher network and digital claim tracking.
Do such plans not have a claim bonus?
Yes. Increases sum insured of 50 to 100 and 50 percent in magma HDI and ManipalCigna respectively.
Is it possible to cover pre existing diseases on day one?
Not in regular plans; there are special group policies or company covers in which it is permitted.
Is dental treatment covered?
Dental coverage is not usually covered except in case of accidents or as paid add on.
Do they offer any tax advantages under these health insurance plans?
Yes, they both provide tax benefits under Section 80D of the income tax act on premiums paid.
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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