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Insurance Plans Comparison

Magma OneHealth Premium vs Care Freedom

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Magma

OneHealth Premium

Comprehensive Health Insurance with Hospitalisation, Daycare and Reload Benefits

What Makes It Special:

Health insurance plan with hospitalisation cover, 405 daycare procedures, cumulative bonus, reload of Sum Insured, pre and post-hospitalisation cover, emergency road ambulance and access to 6,100+ cashless network hospitals.

Best For:

  • Customers who prefer access to a large cashless hospital network

  • Customers who want cumulative bonus and reload benefits

  • Customers looking for multiple Sum Insured options

  • Families looking for individual or family floater coverage

  • Individuals looking for hospitalisation-focused health insurance

VS
Care

Freedom

Health Coverage for Diabetes, Hypertension, and High BMI with Short 2-Year PED Waiting Period

What Makes It Special:

Care Freedom provides health insurance coverage without pre-policy medical check-ups for individuals managing Diabetes, High Blood Pressure, or high BMI.

Best For:

  • Buyers wanting consumable daily allowance

  • Families looking for annual health check-ups.

  • Individuals seeking health insurance without undergoing pre-policy medical screening.

  • Customer is looking for a short two year PED waiting period

  • Buyers managing diabetes, hypertension, or elevated BMI.

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Magma OneHealth Premium

  • Buyers should consider the waiting periods, sub-limits, co-payment conditions and exclusions before choosing the plan.

  • Includes reload of Sum Insured from the first claim, subject to policy terms

  • Provides cumulative bonus of 10% for every claim-free year, up to 50%

  • Offers Sum Insured options from ₹2 lakh to ₹10 lakh under the Elite plan

  • Covers inpatient hospitalisation, daycare, pre and post-hospitalisation expenses

Care Freedom

  • Co-payment provisions applied based on age

  • In-built, one time, automatic sum insured recharge

  • Includes annual health checkups for all covered adult member.

  • Requires no pre-policy medical checkup across all ages and sum insured choices.

  • Features are reduced 24 months waiting period for pre-existing diseases.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

OneHealth Premium
OneHealth Premium

Health Insurance Plan

Brochure

Policy Wording

VS
Freedom
Freedom

Health Insurance Plan

Policy Wording

Room Rent

OneHealth Premium

Up to 1% of Sum Insured or ₹5,000 per Day

VS

Freedom

For ₹3 lakh and ₹5 lakh sum insured options, room rent is restricted to twin-sharing accommodation, subject to the applicable limit. For ₹7 lakh and ₹10 lakh options, single private room is covered.

ICU Charges

OneHealth Premium

Up to 2% of Sum Insured or ₹6,000 per Day

VS

Freedom

ICU charges are covered up to 2% of the sum insured per day for ₹3 lakh sum insured, while there is no limit for ₹5 lakh, ₹7 lakh and ₹10 lakh sum insured options.

Co-payment

OneHealth Premium

10% in Applicable Circumstances

VS

Freedom

20% co-payment is applicable per claim. An additional 10% co-payment applies from the policy year following the insured person attaining 71 years of age, subject to the policy terms.

Disease-wise sublimits

OneHealth Premium

Specific Disease-wise Sublimits Apply

VS

Freedom

Yes. Sublimits apply to specified treatments including cataract, total knee replacement, hernia, hysterectomy, BPH, renal stones, cardiovascular and cerebrovascular disorders, cancer, other renal complications and bone fractures.

Cashless Healthcare Providers

OneHealth Premium

6,100+ Network Hospitals

VS

Freedom

11,600+ cashless network hospitals are available across India.

Restoration Benefit

OneHealth Premium

Reload Available from the First Claim

VS

Freedom

Yes, the base sum insured is automatically recharged by 100% upon exhaustion, subject to the policy terms. The recharged sum insured can be used for future claims.

Cumulative Bonus

OneHealth Premium

10% per Claim-Free Year, Up to 50%

VS

Freedom

No cumulative bonus is available.

Daycare Treatment

OneHealth Premium

405 Daycare Procedures Covered

VS

Freedom

Covers all eligible Day Care Procedures up to the sum insured.

Consumable Cover

OneHealth Premium

Available Through Optional Cover

VS

Freedom

Consumable allowance is available at ₹750 per day for ₹3 lakh and ₹5 lakh sum insured options, subject to a maximum of 7 days per hospitalisation after 3 days.

AYUSH Treatment

OneHealth Premium

Not Specifically Mentioned in the Brochure

VS

Freedom

Covers AYUSH treatment expenses up to the sum insured during the policy period.

Initial Waiting Period

OneHealth Premium

30 Days

VS

Freedom

30 days for all illnesses, except accidental injuries.

Specific Waiting Period

OneHealth Premium

2 Years for Specified Procedures

VS

Freedom

2 years for specified named ailments.

PED Waiting Period

OneHealth Premium

3 Years

VS

Freedom

2 years for pre-existing diseases.

Modern Treatment

OneHealth Premium

Not Specifically Mentioned in the Brochure

VS

Freedom

Coverage for treatment using specified advanced technology methods is not available under the plan.

Annual Health Checkup

OneHealth Premium

Available After 2 Continuous Claim-Free Renewals

VS

Freedom

Annual health checkup is available for all adult members insured under the policy.

Pre-Hospitalisation

OneHealth Premium

Covered for Up to 30 Days

VS

Freedom

Pre-hospitalisation expenses are covered subject to the applicable limit of 7.5% or 10% of payable hospitalisation expenses, depending on the plan option.

Post-Hospitalisation

OneHealth Premium

Covered for Up to 45 Days

VS

Freedom



Outpatient Department Cover (OPD Expense)

OneHealth Premium

Not Covered as a Base Benefit

VS

Freedom

OPD expense is not included in the base plan.

Deductible Option

OneHealth Premium

Not Specified in the Brochure

VS

Freedom

Not available as a standard deductible option.

Coverage Options

OneHealth Premium

Sum Insured Options from ₹2 Lakh to ₹10 Lakh

VS

Freedom

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L.

Claim Settlement Ratio

OneHealth Premium

Not Specified in the Brochure

VS

Freedom

96.3% for the period April 2025 to December 2025.

Maternity Cover

OneHealth Premium

Not Covered Except Ectopic Pregnancy

VS

Freedom

Not available.

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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