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Insurance Plans Comparison

Magma OneHealth Premium vs Niva Bupa Health Premia Gold

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
Niva Bupa

Health Premia Gold

Health Premia Gold offers ₹10-50 Lakh cover with 100% refill, 10% yearly loyalty additions, maternity cover and in-built single-trip travel insurance.

What Makes It Special:

Health Premia Gold is the mid-tier plan of Niva Bupa's Health Premia product. Along with hospitalisation up to Sum Insured (any room except suite), 90/180 days pre/post-hospitalisation and AYUSH cover, it adds LASER surgery cover and an in-built international cover of up to ₹30 Lakh for one trip of up...

Best For:

  • Extended families (Family First) wanting up to 19 relationships in one policy

  • Buyers who want a 100% refill plus 10% yearly loyalty additions regardless of claims

  • People who want LASER surgery and mental health cover included

  • Frequent-ish travellers who value in-built overseas emergency cover for one trip a year

  • Families wanting ₹10-50 Lakh cover with maternity and newborn benefits

Insurance Plans Comparison

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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

Niva Bupa Health Premia Gold

  • Things to Consider: Domestic OPD cover and Second Medical Opinion are not included in Gold.

  • Things to Consider: Robotic surgery, some mental disorders and HIV/AIDS have sub-limits; mental illness has a 36-month waiting period.

  • Things to Consider: Non-payable items (consumables like gloves) need the paid Safeguard add-on.

  • Things to Consider: Choosing Zone 2 pricing means a 20% co-payment for treatment in Mumbai, Delhi NCR, Kolkata and Gujarat.

  • Things to Consider: Maternity cover is only for Family Floater / Family First policies and needs 24 months of continuous cover.

  • Reasons to Consider: In-built international cover (₹30 Lakh, one trip) and LASER surgery cover are included.

  • Reasons to Consider: PED waiting period is 24 months and specific disease waiting period is just 12 months.

  • Reasons to Consider: Pre and post-hospitalisation are covered for 90 and 180 days.

  • Reasons to Consider: A 100% Re-fill of Base Sum Insured is available once a year for any illness.

  • Reasons to Consider: Loyalty Additions grow your cover by 10% of Base Sum Insured every year (up to 100%), even if you make a claim.

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
Health Premia Gold
Health Premia Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

OneHealth Premium

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

VS

Health Premia Gold

Covered up to Sum Insured, any room except Suite or above (all Gold variants incl. Family First). Proportionate deduction applies if a higher room than eligible is taken

ICU Charges

OneHealth Premium

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

VS

Health Premia Gold

Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated

Co-payment

OneHealth Premium

10% in Applicable Circumstances

VS

Health Premia Gold

No mandatory co-payment with Zone 1 pricing. With Zone 2 pricing, 20% co-pay applies to treatment in Mumbai (incl. Navi Mumbai & Thane), Delhi NCR, Kolkata and Gujarat. OPD claims under International Coverage have 20% co-pay

Disease-wise sublimits

OneHealth Premium

Specific Disease-wise Sublimits Apply

VS

Health Premia Gold

No sublimits on common conditions like cataract or joint replacement. Sublimits apply to: robotic surgeries (₹1 Lakh, with exceptions), specified mental disorders (₹50,000), HIV/AIDS (₹50,000 per year), LASER surgery (up to ₹50,000), non-network road ambulance (₹2,000 per event)

Cashless Healthcare Providers

OneHealth Premium

6,100+ Network Hospitals

VS

Health Premia Gold

Cashless treatment at Niva Bupa network hospitals across India; 10,000+ network hospitals (approximate, per Platinum brochure and Annual Report FY 2024-25; subject to change). Pre-authorisation target of 30 minutes

Restoration Benefit

OneHealth Premium

Reload Available from the First Claim

VS

Health Premia Gold

Re-fill Benefit: up to 100% of Base Sum Insured once per policy year, for the same or a different illness, after the Sum Insured is partly or fully used. Not available under the Family First variant

Cumulative Bonus

OneHealth Premium

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

VS

Health Premia Gold

Loyalty Additions of 10% of expiring Base Sum Insured every policy year, up to 100%, even if you claim. Optional Enhanced Loyalty Addition: 20% per year, up to 200%

Daycare Treatment

OneHealth Premium

405 Daycare Procedures Covered

VS

Health Premia Gold

All listed day care procedures (Annexure III) covered up to Sum Insured

Consumable Cover

OneHealth Premium

Available Through Optional Cover

VS

Health Premia Gold

Allowable consumables paid within hospital bills; IRDAI non-payable items are not covered in the base plan. Covered with the optional Safeguard (List I) or Safeguard+ (Lists I-IV) add-on (Add-on UIN NBHHLIA24109V022324)

AYUSH Treatment

OneHealth Premium

Not Specifically Mentioned in the Brochure

VS

Health Premia Gold

In-patient Ayurveda, Unani, Siddha and Homeopathy treatment in an AYUSH hospital covered up to Sum Insured, with 90/180 days pre/post-hospitalisation

Initial Waiting Period

OneHealth Premium

30 Days

VS

Health Premia Gold

30 days (not for accidents or renewals)

Specific Waiting Period

OneHealth Premium

2 Years for Specified Procedures

VS

Health Premia Gold

12 months for listed conditions (e.g. cataract, hernia, joint/spine disorders, piles). Accidents covered from day 1; cancer after the 30-day wait. Mental illness and LASER surgery: 36 months. HIV/AIDS: 48 months

PED Waiting Period

OneHealth Premium

3 Years

VS

Health Premia Gold

24 months of continuous cover

Modern Treatment

OneHealth Premium

Not Specifically Mentioned in the Brochure

VS

Health Premia Gold

Covered up to Sum Insured (12 listed procedures, e.g. robotic surgery, oral chemotherapy, immunotherapy, stem cell therapy). Robotic surgeries capped at ₹1 Lakh, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries

Annual Health Checkup

OneHealth Premium

Available After 2 Continuous Claim-Free Renewals

VS

Health Premia Gold

Annual from Day 1: tests up to ₹2,500 per insured (₹10-20L SI), ₹5,000 (₹30L), ₹7,500 (₹50L). Family First Gold: ₹2,500

Pre-Hospitalisation

OneHealth Premium

Covered for Up to 30 Days

VS

Health Premia Gold

Up to 90 days before admission, covered up to Sum Insured

Post-Hospitalisation

OneHealth Premium

Covered for Up to 45 Days

VS

Health Premia Gold

Up to 180 days after discharge, covered up to Sum Insured

Outpatient Department Cover (OPD Expense)

OneHealth Premium

Not Covered as a Base Benefit

VS

Health Premia Gold

Domestic OPD: Not available under Gold. (OPD abroad is covered only within the in-built International Coverage, with 20% co-pay). Unlimited e-consultations included in all plans

Deductible Option

OneHealth Premium

Not Specified in the Brochure

VS

Health Premia Gold

Not available (the policy wording has no deductible option for Health Premia)

Coverage Options

OneHealth Premium

Sum Insured Options from ₹2 Lakh to ₹10 Lakh

VS

Health Premia Gold

Individual / Family Floater: ₹10, 15, 20, 30 or 50 Lakh Base Sum Insured. Family First variant: Base Individual SI ₹5-10 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal

Claim Settlement Ratio

OneHealth Premium

Not Specified in the Brochure

VS

Health Premia Gold

93.5% of claims settled (by number) for Health Premia in FY 2025-26. Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)

Maternity Cover

OneHealth Premium

Not Covered Except Ectopic Pregnancy

VS

Health Premia Gold

Covered only under Family Floater / Family First (not Individual), after 24 months continuous cover, up to 2 pregnancies/terminations: ₹70,000 (₹10L), ₹75,000 (₹15L), ₹80,000 (₹20L), ₹1,00,000 (₹30L/₹50L); Family First Gold ₹50,000. New born covered up to SI till end of policy year; newborn vaccination in first year

Insurance Plans Comparison

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What Our Experts Help You With

Personalised Recommendations

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Expert-Led Policy Review

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

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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

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