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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 now considered to be one of the most significant investments to families in India, particularly in 2025 as medical costs are increasing and there are emerging health risks. An all-inclusive health insurance policy will ensure that you are not hit by financial shocks in case of emergencies. Magma HDI OneHealth Secure Plan and ManipalCigna Prime Advantage Plan are two of the most popular options among the Indian families. They both possess solid advantages, yet they are different in a number of aspects. This comparative analysis will assist you in determining which one will suit you.
The Magma HDI OneHealth Secure Plan is a universal health insurance policy designed to meet the needs of individuals and families based on wide coverage with additional benefits. ManipalCigna Prime Advantage Plan is characterised by the broad network of hospitals and versatile coverage plans, which may be offered to people who prefer to make their cover more personal. The two plans are aimed at the urban and semi urban Indian market and have features that cater to the modern medical requirements.
Did you know?
India data in the industry reports that Indian consumers now use health insurance plans providing cashless hospitalisation and outpatient bills, which is why the comprehensive ones are becoming more popular.
Q: Is ManipalCigna Prime Advantage Plan internationally treatable?
A: Yes, there are variants that provide international coverage to treatments that are not available in India, by policy.
The two plans have extensive coverage on hospitalisation and daycare procedures. ManipalCigna offers wider coverage and larger sum insured, and hence, applicable to people who need a coverage of above 50 lakh, to 1 crore. The plan of Magma HDI is more value-oriented and focused on restoration benefits with low premiums on medium cover amounts.
| Benefit | Magma HDI oneHealth Secure | ManipalCigna Prime Advantage. |
|---|---|---|
| Sum Insured | Rs 2 lakh to Rs 50 lakh | Rs 3 lakh to Rs 1 crore |
| Daycare Procedures | 540+ | 600+ |
| Room Rent | No limit choice, no limit, private room. | |
| Pre Hospitalisation | 60 days | 60 days |
| Post Hospitalisation | 90 days | 180 days. |
| Annual Check Up of Health | Yes | Yes |
| No Claim Bonus | To 100 percent | To 200 percent |
| AYUSH Cover | Yes, to sum insured | Yes. |
| Restoration Benefit | 100 percent one day per year | Unlimited. |
| OPD Benefits | Add on | Select plans available. |
| Maternity Cover | Add on, after waiting | Add on, after waiting |
| Organ Donor Cover | Upto sum insured | Upto sum insured. |
| Worldwide Treatment | Not available | Select plans only. |
Pros
Cons
Pros
Cons
Did you know?
According to the expert health planners in 2025, you should never fail to compare the No Claim Bonus structure as this can really make a significant difference to what your overall coverage will be over the years.
In the case of family of four with young kids, when seeking cheap premium and sufficient hospitalisation and restoration benefits, Magma HDI OneHealth Secure Plan is the one to consider. In case looking long term coverage with high sum insured, extended post hospitalisation and customisation options such as OPD and worldwide cover, ManipalCigna Prime Advantage Plan can suit better.
Magma HDI is best suited to the urban and middle income families that are interested in value driven coverage.
ManipalCigna suits those wishing peace of mind at higher sum insured, global network and additional add ons to have wide coverage.
This is because premiums can depend on age, location, the amount of insured and other provisions. By 2025, the average annual premiums of a 30-year-old person are:
| Sum Insured | Magma HDI (INR) | ManipalCigna (INR) |
|---|---|---|
| Rs 5 lakh | 5,400 | 6,200 |
| Rs 10 lakh | 8,200 | 9,500 |
| Rs 25 lakh | 13,600 | 15,900 |
| Rs 50 lakh | 22,000 | 28,500 |
Family floater (2 adults, 2 children, Rs 10 lakh cover):
| Plan | Annual Premium (INR) |
|---|---|
| Magma HDI OneHealth | 16,800 |
| ManipalCigna Prime Adv. | 18,950 |
Q: Who offers better hospital network in India as a health insurance company?
A: Magma HDI and ManipalCigna both boast of a good network of cashless hospitals particularly in metros and during Tier 2 cities. You should check the list of your specific city before purchasing.
Did you know?
In 2025, a higher number of insurers will offer cashless approval of claims within less than 30 minutes, hence emergency hospitalisation is easier with both of these insurers.
The two insurers have made investments in fast claims in 2025 in digital tools.
Magma HDI: Paperless cashless claim at network hospitals, 1-2 days to have reimbursement.
ManipalCigna: Tracking claims with app based, cashless at all listed hospitals, most cases settled directly to the hospital.
Both companies are seen to have customer experiences with 24x7 support however approval times can differ with each hospital.
When you have a basic to moderate health cover requirement, Magma HDI has the best value with low premiums and adequate benefits.
ManipalCigna is the better choice provided you seek greater protection, international coverage, home care and have flexibility in add ons.
Exclusions, waiting periods and add on pricing should always be read thoroughly before purchasing.
Pro hint: Choose restoration and bonus features when you have a family floater as a claim made by one of the family members will restore the amount of other family members.
Q: Do these plans accept me porting my current policy?
A: Yes, one can transfer the current health insurance either to Magma HDI or to ManipalCigna at the time of renewal as per underwriting conditions.
The best health insurance policies in India in 2025 include both Magma HDI OneHealth Secure Plan and ManipalCigna Prime Advantage Plan.
Magma HDI is an affordable cover to up to 50 lakh with convenient benefits, which are good in families with routine expenses.
ManipalCigna offers greater coverage, worldwide network, mental wellness insurance and extended post hospitalisation cover at a high cost.
Consider your health profile, the amount of sum insured needed, your preferred hospitals and your budget before making the decision.
Q: What plan offers superior benefits of No Claim Bonus?
A: The maximum of the cumulative bonus of 200 percent that ManipalCigna provides is greater than that of Magma HDI which is 100 percent.
Q: Are these plans inclusive of COVID related hospitalisation in 2025?
A: Yes, according to the rules of IRDAI, both will cover all hospitalisation, including the latest variants of COVID as long as it is not in waiting period conditions.
Q: Does it have any waiting period on pre existing diseases?
A: There are waiting periods on both the plans on pre existing illnesses. Averagely 36 months with Magma HDI and 24-48 months with ManipalCigna, in most cases depending on the condition.
Q: Wellness rewards and discounts really useful?
A: Yes, with healthy habits ManipalCigna provides renewal discounts, provided that benefits differ depending on the use.
Q: May I purchase the two policies concurrently?
A: Yes, by law, but again it is more advantageous to pick one after doing the right comparison to enable easier claims and even less paperwork.
Q: Which is the better plan in the case of the elderly citizens?
A: Both benefit people up to 65 years of entry. Checks co payment, medical exam and senior specifics in both plans.
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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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