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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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One is not simply picking the health insurance policy in India. As medical expenses continue to increase, you need to be able to choose an insurance cover that suits your current and future needs. The Indian families prefer two best alternatives, which are the Magma HDI OneHealth Secure Plan and Manipalcigna Sarvah Param Plan in 2025. The two offer a wide coverage, special features, and value in accordance with the different customer needs.
This paper also provides a comparison of these two plans in detail- highlights, main difference, benefits etc- so that you can make an informed choice.
Magma HDI OneHealth Secure Plan is a health insurance plan offered by Magma HDI General Insurance, which provides a wide range of coverage to the individual and the family. Combined with such characteristics as modern-day treatment cover and annual health checkups, it appeals to policyholders in terms of price and high coverage.
The ManipalCigna Health Insurance has come up with a new-age policy, Manipalcigna Sarvah Param Plan. The plan is specifically aimed at the changing medical environment in India with the interesting coverage of broad hospitalisation, wellness benefits, and support in modern treatments, designed with a view to the year 2025.
Why are these insurance plans appropriate in 2025 in the family of Indians?
The features such as COVID-19 cover, cashless treatment, and wide sum insured options, are also meant to fit these plans to meet the post-pandemic healthcare demand and family well-being in India.
Both the Magma HDI OneHealth Secure and Manipalcigna Sarvah Param Plan are very strong in terms of their features. Here are the highlights:
| Plan | Magma HDI OneHealth Secure Plan | Manipalcigna Sarvah Param Plan. |
|---|---|---|
| Sum Insured (2025) | Rs 2 lakh to Rs 50 lakh | Rs 3 lakh to Rs 1 crore |
| Pre-hospitalisation cover | 60 days | 60 days |
| Post-hospitalisation cover | 90 days | 180 days |
| AYUSH Cover | Yes | Yes |
| Maternity Benefits | Yes, after 3 years | Yes, after 2 years. |
| Room Rent Limit | None | Sub-limit none. |
| Restore Benefit | To 100 percent | Unlimited. |
| Annual Checkup of Health | Yes (all) | Yes. |
| Domiciliary Hospitalisation | Yes | Yes. |
| Global Cover | No | Yes (up to SI) |
| Wellness & Health Bonus | To 50 percent | To 200 percent. |
Expert’s Insight:
Did you know? Due to the guidelines provided by IRDAI in 2025 health insurance plans have to have mental health coverage now which both of these plans are starting to provide as add-ons.
Pros
Extensive coverage of the middle-income families.
Expansive restoration alternatives of sum insured.
Reimburses OPD and daycare cost in excess of 160 procedures.
The wellness programs can be used at any age.
No room rent limit to even basic plans.
Cons
Maternity cover is after 3 years waiting period.
No worldwide coverage
Pre-existing disease coverage becomes effective after 3-4 years based on disease.
Fewer sums insured over Rs 50 lakh.
Is the plan appropriate to older citizens?
Sure, cover limits and waiting times on pre-existing conditions can be more limiting to older applicants.
Pros
Very high sum insured options, which are suitable in a high net worth family.
Unlimited restoration benefit makes numerous claims.
Up to 180 days of post-hospitalisation cover.
Impressive no-claim bonuses increase sum insured up to 200 percent.
Global emergency cover was included.
Cons
Urban areas will pay higher premiums and have higher sum insured.
Maternity cover is commenced after 2 years that might not be appealing to all couples.
Higher ages may be on co-payment.
There are disease sub-limits of some high cost ailments.
When you are planning to improve a less expensive plan to the younger or middle-aged family; Magma HDI OneHealth Secure will be suitable since it has affordable premiums, annual health checkups, and reasonable sum insured coverage.
When you require a high cover, international coverage, or are concerned with costly modern treatment, the ManipalCigna Sarvah Param Plan is a great way to enjoy great peace of mind, but at a premium.
Expert’s Insight:
Did you know? Due to the increasing rate of medical inflation in the major metro cities such as Mumbai and Delhi, high sum insured plans like Sarvah Param are more relevant than ever in 2025.
Magma HDI OneHealth Secure Plan: Settlement ratio of claims of 96.1 percent (FY2024). Network of 6,400 hospitals.
Manipalcigna Sarvah Param Plan: 99.2 percent (FY2024) claim settlement ratio. Chain of more than 8,800 hospitals throughout the country.
Both plans currently have digital claim intimation, paperless processing and special customer support teams.
What is the ease of claim with such insurers?
The majority of users stated that the process of cashless claims is not problematic, particularly in the first-tier cities, but it is always better to have a hardcopy of the needed documents.
Magma HDI: Wellness app access, 2 year policy discounts, family floater.
ManipalCigna: Worldwide health help, illness management applications, air ambulance insurance as supplement.
Did you know? Since 2025, IRDAI requires transparency of the contracts put in place by insurance companies, and thus insurance companies are now displaying sample policy terms on their official websites, allowing clients to review these terms and only purchase them when they are satisfied.
The following are some simple guidelines that can be used to decide on these two:
Both plans are life-long renewable. In accordance with the IRDAI regulations, as of 2025, the policyholders have the option to switch (port) between similar health insurance without the damage to such benefits as the credits of the waiting period.
Can you easily cross over between these two plans?
Yes, although at least 45 days prior to your date of renewal and present all the necessary documents to your insurance carrier.
Magma HDI OneHealth Secure Plan is best suited in a family looking at quality cover at a lower rate with additional wellness benefits.
The sum insured, global cover, and advanced treatment benefits of Manipalcigna Sarvah Param Plan are very high, and it is a suitable plan that can be taken by families that require a strong health cover.
Compare and contrast premiums, benefits, waiting periods and experiences in claims prior to purchasing.
They are both rated well in claims and customer service and have unique benefits and flexibility of sum insured.
Q: What is the insurers with the high claim settlement ratio?
A: Manipalcigna possesses better claim settlement ratio of 99.2 percent as compared to Magma HDI of 96.1 percent in 2024.
Q: Is it possible to cover my newborn day one?
A: Both the plans cover newborns throughout the day one; however, it requires the maternity waiting period.
Q: Do you have cashless hospitals in the small cities?
A: The insurers are both widespread, although Manipalcigna has a bigger list of ones in more towns in tier 2 and 3.
Questions: Does either plan address COVID19 and modern diseases in 2025?
A: Yes, both plans cover all the treatments and diseases related to the pandemic according to the existing rules of the IRDAI.
Q: Does it include mental health treatment?
A: By 2025, mental health is comprised in the coverage of both insurers, although in the majority of cases, this is an add-on or optional option.
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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