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Insurance Plans Comparison

Magma OneHealth Premium vs Star Family Health Optima

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
Star

Family Health Optima

Family Floater Health Insurance with Hospitalisation Benefits

What Makes It Special:

Family Health Insurance

Best For:

  • Customers comparing restoration and loyalty bonus benefits.

  • Families wanting eligible AYUSH treatment and preventive health check-ups.

  • Customers seeking pre- and post-hospitalisation benefits.

  • Families looking for hospitalisation and daycare coverage.

  • Families seeking health insurance under a single floater Sum Insured.

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

Star Family Health Optima

  • Check the policy limits for specific treatments and benefits.

  • Review pre- and post-hospitalisation coverage.

  • Check the restoration and loyalty bonus conditions.

  • Understand the 24-month specific disease waiting period and 36-month pre-existing disease waiting period.

  • Review the 30-day initial waiting period.

  • Check the shared accommodation benefit and applicable limits.

  • Review the 20% co-payment applicable to insured persons aged 61 and above at entry.

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
Family Health Optima
Family Health Optima

Health Insurance Plan

Brochure

Policy Wording

Room Rent

OneHealth Premium

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

VS

Family Health Optima

  1. Shared accommodation is covered within the applicable policy limits.
ICU Charges

OneHealth Premium

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

VS

Family Health Optima

Covered as part of eligible hospitalisation expenses, subject to policy terms.

Co-payment

OneHealth Premium

10% in Applicable Circumstances

VS

Family Health Optima

20% of each claim for insured persons whose age at entry is 61 years or above.

Disease-wise sublimits

OneHealth Premium

Specific Disease-wise Sublimits Apply

VS

Family Health Optima

Sublimits apply to specified benefits and treatments, subject to policy terms.

Cashless Healthcare Providers

OneHealth Premium

6,100+ Network Hospitals

VS

Family Health Optima

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

Restoration Benefit

OneHealth Premium

Reload Available from the First Claim

VS

Family Health Optima

100% of the Sum Insured is restored up to three times in a policy year, subject to policy conditions.

Cumulative Bonus

OneHealth Premium

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

VS

Family Health Optima

Loyalty Bonus is available for eligible Sum Insured options, subject to renewal conditions and policy limits.

Daycare Treatment

OneHealth Premium

405 Daycare Procedures Covered

VS

Family Health Optima

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

OneHealth Premium

Available Through Optional Cover

VS

Family Health Optima

Not specified.

AYUSH Treatment

OneHealth Premium

Not Specifically Mentioned in the Brochure

VS

Family Health Optima

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms.

Initial Waiting Period

OneHealth Premium

30 Days

VS

Family Health Optima

  1. 30 days, except for accidents.
Specific Waiting Period

OneHealth Premium

2 Years for Specified Procedures

VS

Family Health Optima

24 months for specified diseases and procedures.

PED Waiting Period

OneHealth Premium

3 Years

VS

Family Health Optima

36 months for pre-existing diseases.

Modern Treatment

OneHealth Premium

Not Specifically Mentioned in the Brochure

VS

Family Health Optima

  1. Specified modern treatments are covered, subject to policy limits.
Annual Health Checkup

OneHealth Premium

Available After 2 Continuous Claim-Free Renewals

VS

Family Health Optima

Preventive health check-up at network providers, according to the applicable Sum Insured and package.

Pre-Hospitalisation

OneHealth Premium

Covered for Up to 30 Days

VS

Family Health Optima

Covered for up to 60 days before hospital admission.

Post-Hospitalisation

OneHealth Premium

Covered for Up to 45 Days

VS

Family Health Optima

Covered for up to 90 days after discharge.

Outpatient Department Cover (OPD Expense)

OneHealth Premium

Not Covered as a Base Benefit

VS

Family Health Optima

Not specified.

Deductible Option

OneHealth Premium

Not Specified in the Brochure

VS

Family Health Optima

Not specified.

Coverage Options

OneHealth Premium

Sum Insured Options from ₹2 Lakh to ₹10 Lakh

VS

Family Health Optima

Family Floater.

Claim Settlement Ratio

OneHealth Premium

Not Specified in the Brochure

VS

Family Health Optima

Insurer-level metric, not a policy benefit.

Maternity Cover

OneHealth Premium

Not Covered Except Ectopic Pregnancy

VS

Family Health Optima

Not specified.

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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