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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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The decision to select the appropriate health insurance plan in India may prove to be a challenge particularly with the many good choices we have today. The Magma HDI OneHealth Secure Plan and the ManipalCigna Prime Protect Plan are two of the best-selling plans in 2025. They both provide good medical cover, yet each has its advantages and differences, and some features specific to Indian families and individuals. Here, in this comprehensive guide, you will learn how these two most popular health insurance policies compare in terms of cover, add-on benefits, eligibility and real worth of money.
Medical expenses in India are today on the increase. The most adequate insurance is required to safeguard your savings and provide the most appropriate treatment. The Magma HDI OneHealth Secure Plan and ManipalCigna Prime Protect Plan are aimed to help a modern Indian those who need a broader coverage of emergency cases, chronic diseases, routine health care.
Comparing these plans will give you an idea of:
But will health insurance be required in 2025 when I am young and healthy?
Reason: Yes, a young purchase would attract you with reduced rates, no-claim bonuses and insurance cover of new diseases or treatments that are being introduced each year.
Magma HDI OneHealth Secure Plan is designed to all ages and offers you strong financial security when you need it most in times of medical emergency. This year it is the best option due to its simplicity and flexibility.
Main Features:
Pros:
Cons:
Did you know?
As stated by the IRDAI 2024 statistics, Magma HDI got more than 1 lakh new policyholders as it is easily customized and offers affordable premiums to large families.
Another favourite and plan in 2025 is the ManipalCigna Prime Protect Plan, which has flexible options, online health care, and special add-on covers to suit the needs of the modern day.
Major Highlights:
Will these plans cover OPD and mental health cover?
Response: ManipalCigna offers OPD and psychotherapy as a supplement, whereas Magma HDI offers surgery hospitalization to a certain limit in psychiatric cases.
Pros:
Cons:
Expert’s insight:
According to insurance professionals, policyholders who consume ManipalCigna wellness app plans receive more rewards and save an average of 12 percent on their renewal premiums annually.
| Attention | Magma HDI OneHealth Secure Plan | ManipalCigna Prime Protect Plan |
|---|---|---|
| Sum Insured Range | [?]3 lakh or more to [?]1 crore or more | [?]3 lakh or more to [?]1 crore or more. |
| Network Hospitals | 6000 plus | 7800 plus |
| Room Rent | Single private room | No limit to sum insured. |
| Pre Hospitalization | 60 days | 60 days. |
| Post Hospitalization | 90 days | 180 days |
| Day Care Treatments | 300 plus | All day care inclusive. |
| Restore Sum Insured | Maximum of 100 percent after 1 year | Unlimited restoration in 1 year. |
| Maternity Benefits | Inbuilt, to a certain limit | As an add-on only. |
| Global Pastoral Care | No | Yes, in emergency. |
| Wellness Benefits | The loyalty, annual check-up | Wellness app, health rewards. |
| Wait for PED | 24-48 months | 24-48 months |
| Critical Illness | Add-on available | Add-on available. |
Better plan is that of the senior citizens and old parents?
Answer: They both permit entry at 60 years old, however Magma HDI tends to provide greater options in the sum insured to families who have older individuals.
How to purchase: Magma HDI OneHealth Secure Plan:
Best for:
ManipalCigna Prime Protect Plan:
Recommended for:
Did you know?
Recent industry surveys revealed many young Indians in urban areas were much more likely to select digital insurance plans linked with the concept of wellness in late 2024 (29 percent more likely) [1].
The two insurers are strong in terms of claim processes.
In 2024, Magma HDI paid 94 percent of claims in 30 days, and had a cashless network of 6000 plus.
With 7800 plus, one of the largest cashless networks in India by 2025, ManipalCigna recovered 96 percent in 15 days.
They both have 24x7 helpline, online status tracking and grievance support.
What are the documents I require in order to settle fast claims?
Answer: The answer will include discharge summary, hospital bill, photo ID, policy proof and investigation reports. TPA form and KYC are required to use in cashless.
The premiums vary according to age, existent illnesses, sum insured and city.
In case of a healthy 35 year old purchasing a cover of Rs 10 lakh in 2025 (2 adults, 1 child floater):
Premiums may be increased with old age, increased cover or increased number of riders.
Expert insight:
Some annual premiums are never the same, a 10 year old annual premium will always give you a better deal as the bonuses on claims soaring your sum insured at no additional cost is just a bonus the two plans offer.
Individuals can get annual health checkups with both insurers, whereas ManipalCigna has fitness programs that are rewarded on its app.
Both wellness and loyalty programs lower future renewal premium, and provide health counselling.
Did you know?
In the tier 1 cities, young policyholders are now most likely to utilize annual health-check-ups in order to diagnose lifestyle diseases in their early stages, so wellness coverage is important[2].
Magma HDI:
ManipalCigna:
Is it possible to revise sum insured or upgrade plan in few years?
Response: Yes, at renewal, both plans permit upgrade provided you fulfill health conditions and have no big claims made in the recent past.
The Magma HDI OneHealth Secure and ManipalCigna Prime Protect are all-inclusive health insurance plans that would be viable to individuals and families in 2025.
Magma HDI is the most appropriate to find the cheap, transparent cover with the loyalty bonuses.
ManipalCigna is unique due to its technological power, largest hospital network and worldwide emergency care but certain benefits are optional add-ons.
They each provide preventative and wellness, significant illness cover and online claims.
The premiums are mid range and are good value with broad coverage.
Select depending on whom one wants to insure, whether he or she needs maternity or global coverage, and add-ons.
Q: What is the more beneficial plan in 2025 with regards to maternity benefits?
Maternity and newborn Magma HDI is provided on default with a waiting period. ManipalCigna requires you to make maternity a rider.
Q: Are such plans available to NRIs or frequent travelers?
ManipalCigna is the one that covers overseas emergencies. Magma HDI can only be used in treatment in India.
Q: Does it include annual health checkups of all ages?
Yes, they all are free health checkup every year, but ManipalCigna covers all adults, whereas Magma HDI covers policyholders over 18.
Q: What is the highest amount of sum insured?
Both are providing up to Rs 1 crore sum insured in the base plan till 2025.
Q: Does either have sum insured restoration?
Yes; the maximum restoration with Magma HDI is 100 percent after every once year and the maximum restoration with ManipalCigna is unlimited within the same year.
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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