🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
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.
Author
Read Bio
Reviewed by
Read Bio
Selecting a suitable health insurance plan has turned out to be a pressing endeavor to Indian families and the elderly whose medical inflation is increasing and new lifestyle diseases are rising. Out of the well-regarded ones, both the Magma Hdi Onehealth Secure Plan and the Manipalcigna Prime Senior Elite Plan provide decent health insurance cover but address slightly different needs. This is a critical comparison of these two policies on key parameters to guide you to make a smart choice by 2025.
The Magma Hdi Onehealth Secure Plan is a health insurance plan which offers the individuals and families in need of greater coverage in terms of medical coverage. It is also renowned due to its comprehensive cover such as hospitalisation, pre and post-hospitalisation and wellness provisions, which makes it applicable to young families and those below the age of 65.
Did you know? High no claim bonus could also provide you with more than twice your base cover after five years with no additional premium.
Manipalcigna Prime Senior Elite Plan is particularly designed to suit the needs of the elderly citizens, that is, those aged 60 years and above. Its special plan is aimed at reducing out of the pocket costs incurred by seniors, easy access of the quality medical services without the pressure of paying high premiums, or the burden of filling the forms.
Expert Insight: In 2024, insurers are also introducing senior citizen health policies with high cover and low restrictions to meet the requirement of the ageing population in India.
Anybody older than 60 not well covered by their employer or family floater policy may want to look at a special senior plan. The older one gets, the higher the medical costs, and these policies deal with age-related requirements.
When juxtaposing Magma Hdi Onehealth Secure Plan and Manipalcigna Prime Senior Elite Plan against each other, one can see how the two products differ in terms of target customer groups and value they provide.
| Feature | Manipalcigna Prime Senior Elite | Magma Hdi Onehealth Secure |
|---|---|---|
| Entry Age | 18 to 65 years | 56 years and over. |
| Sum Insured | 3 lakh to 50 lakh rupees | 3 lakh to 25 lakh rupees |
| Pre Hospitalisation (days) | 60 | 60 |
| Post Hospitalisation (days) | 90 | 180 |
| Room Rent Limit | Flexible, sub-limits some |
Higher variants do not have a sub-limit. |
| No-claim Bonus | Up to 100 percent | Up to 100 percentage. |
| Restoration Benefit | Yes | Yes |
| Day-care/Domiciliary/Critical Illness | Yes/Yes/Optional | Yes/Yes/Included |
| Waiting Period pre-existing Disease | 36 months | 24 months |
Expert Insight: There is a shorter waiting time on pre-existing diseases in the Manipalcigna plan which is a significant benefit to individuals that had been previously diagnosed with other illnesses.
Pros:
Cons:
Most plans include common diseases, although special cover on critical illnesses/ maternity might be optional. Read the policy words prior to purchase.
Pros:
Cons:
Did you know? High post-hospitalisation policies are beneficial in covering the expensive recovery medicine, physiotherapy, and home visits by the seniors.
The cost of health insurance depends on the age, amount of sum insured, health history and policy supplements. The following is an illustration of a monthly premium estimate of a sum insured of 10 lakh rupees of new policyholders in 2025.
| Age | Magda Hdi Onehealth Secure | Manipalcigna Prime Senior Elite. |
|---|---|---|
| 35 years (single) | Rs 650 | Not eligible |
| 60 years (single) | Rs 1420 | Rs 1750 |
| Family Floater (2+2) | RS 1880 | Out of Stock. |
Quick onboarding of healthy applicants by some insurers is possible, although most plans that cover senior citizens would demand a regular health checkup to prevent exclusions and claims complications.
The plans have useful add-ons and upgrades that can be quite useful in 2025.
In the case of Magma Hdi Onehealth Secure:
In the case of Manipalcigna Prime Senior Elite:
Expert Insight: It is always better to choose add-ons according to personal health profile, family medical history and needs at hand rather than by premium price.
These two insurance companies, Magma Hdi and Manipalcigna, have a reputation of hassle-free claims using digital channels and 24-hour assistance lines. They include paperless pre-authorisation, tracking in apps, and extensive coverage of hospitals networks.
The TAT (Turn Around Time) of claim approval by Magma Hdi in network hospitals is usually less than 3 days and reimbursement is less than 10 days.
Manipalcigna has invested in senior care claim teams which has translated to increased claim success rate among elderly clients and claim settlement within a week to a majority of hospitalisations.
Proceed to any network hospital with your e-health card and ID proof and present them to TPA desk and the insurer will take care of all the paperwork. This is valid for both plans.
Plans Magma Hdi Hdi Plan: Provides an option to stay renewed forever to policyholders who entered the plan before the age of 65 years, and most of the disease waiting periods are 2 to 4 years.
Manipalcigna Plan: It offers a life renewable even up to the age of 80 with a waiting period of just 2 years in case of pre-existing illnesses.
Did you know? The best plan to get is one that has a lifelong renewability and an open waiting period before you finalize your health insurance.
Magma Hdi Onehealth Secure is a very good family floater or an individual policy, as long as the age is below 65. The parents, spouses, and children may be covered.
The senior people or senior couples targeted by Manipalcigna Prime Senior Elite, which makes it ideal to older parents or those who are retiring soon. It only covers young members of the family to a limited extent.
Yes, in case the parents are older than 60, elder citizen plans are more affordable and adapted to their healthcare habits. Wider floater plans will be advantageous to younger family members.
| Parameter | Magma Hdi Plan | Manipalcigna Senior Elite. |
|---|---|---|
| Age Eligibility | 18-65 years (until lifelong renewal) | 56 years or older (no upper age limit) |
| Best For | Families, young adults Older adults, senior citizens. | |
| Special Add Ons | Maternity, OPD | Home nurse, non-medical waiver. |
| Best advantage | Extensive sum insured, wellness | Senior-based, high post-hospitalisation coverage. |
| Waiting Period | 3 years of PED | 2 years of PED. |
| Premiums (60 year, 10 lakh)Rs 1420/monthRs 1750/month |
Magma Hdi Onehealth Secure will suit families and those individuals wanting a big coverage and other add-ons. Not appropriate in case of individuals over 65 or of older specific requirements.
Manipalcigna Prime Senior Elite will suit the elderly who are chronically ill and require to have a shorter wait and fewer ageing related restrictions.
Both provide good network coverage, digital claims, annual health check-ups and restorations benefits.
So what is more suitable in the case of a 70-year-old with diabetes?
Manipalcigna Prime Senior Elite is less expensive; it has a reduced 2-year waiting period in case of pre-existing illnesses and has no age limit.
Does it offer Magma Hdi Onehealth to individuals aged over 65?
It does not take new customers past 65 years, but renewing is life time provided they were enrolled before they are 65 years.
What is restoration of sum insured?
Restoration gives you the possibility of resetting your total coverage amount when it is depleted during a policy year. Easy to use during consecutive hospitalization.
Does the modern infections and COVID-19 fall under both plans?
Yes, all IRDAI-compliant policies that do have this two cover COVID-19 hospitalisation and new-age infections according to IRDAI regulations.
What are some of the exceptions to look out on?
Both the plans offer permanent exclusion, such as cosmetic surgeries, infertility, investigation treatments, and self-inflicted injuries.
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).
Loved by 1M+ users (web). Start your financial journey today!
