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Insurance Plans Comparison

Magma OneHealth Premium vs TATA AIG Medicare Premier

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
TATA AIG

Medicare Premier

Comprehensive health insurance with enhanced coverage, wellness benefits and global protection.

What Makes It Special:

Tata AIG Medicare Premier is a comprehensive health insurance plan designed to offer wide-ranging protection for individuals and families. It features high sum insured options, global cover for inpatient treatments, maternity benefits, and coverage for organ donor expenses. The plan also includes a restoration benefit, annual health check-ups, and no-claim...

Best For:

  • Comprehensive Health Coverage

  • Global Inpatient Treatment

  • High Sum Insured Options

  • Family Floater Available

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

TATA AIG Medicare Premier

  • Worldwide inpatient treatment coverage

  • Sum insured up to ₹3 crores

  • Access to 12,000+ healthcare providers

  • Maternity cover after 4 years

  • 100% sum insured restoration

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
Medicare Premier
Medicare Premier

Health Insurance Plan

Brochure

Policy Wording

Room Rent

OneHealth Premium

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

VS

Medicare Premier

All room categories are covered

ICU Charges

OneHealth Premium

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

VS

Medicare Premier

No restriction on ICU room rent

Co-payment

OneHealth Premium

10% in Applicable Circumstances

VS

Medicare Premier

Not available

Disease-wise sublimits

OneHealth Premium

Specific Disease-wise Sublimits Apply

VS

Medicare Premier

No

Cashless Healthcare Providers

OneHealth Premium

6,100+ Network Hospitals

VS

Medicare Premier

12,000+ Healthcare Providers

Restoration Benefit

OneHealth Premium

Reload Available from the First Claim

VS

Medicare Premier

Yes, your sum insured restores to 100% each time you make a claim, restoration occurs 45 days after the previous claim, for both related and unrelated illnesses

Cumulative Bonus

OneHealth Premium

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

VS

Medicare Premier

Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year

Daycare Treatment

OneHealth Premium

405 Daycare Procedures Covered

VS

Medicare Premier

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Consumable Cover

OneHealth Premium

Available Through Optional Cover

VS

Medicare Premier

Yes

AYUSH Treatment

OneHealth Premium

Not Specifically Mentioned in the Brochure

VS

Medicare Premier

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

Initial Waiting Period

OneHealth Premium

30 Days

VS

Medicare Premier

30 days

Specific Waiting Period

OneHealth Premium

2 Years for Specified Procedures

VS

Medicare Premier

2 years

PED Waiting Period

OneHealth Premium

3 Years

VS

Medicare Premier

3 years

Modern Treatment

OneHealth Premium

Not Specifically Mentioned in the Brochure

VS

Medicare Premier

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

OneHealth Premium

Available After 2 Continuous Claim-Free Renewals

VS

Medicare Premier

Health check-up is available from the first policy year

Pre-Hospitalisation

OneHealth Premium

Covered for Up to 30 Days

VS

Medicare Premier

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

OneHealth Premium

Covered for Up to 45 Days

VS

Medicare Premier

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

OneHealth Premium

Not Covered as a Base Benefit

VS

Medicare Premier

OPD expense is included

Deductible Option

OneHealth Premium

Not Specified in the Brochure

VS

Medicare Premier

Available as an option

Coverage Options

OneHealth Premium

Sum Insured Options from ₹2 Lakh to ₹10 Lakh

VS

Medicare Premier

Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr

Claim Settlement Ratio

OneHealth Premium

Not Specified in the Brochure

VS

Medicare Premier

95.43%

Maternity Cover

OneHealth Premium

Not Covered Except Ectopic Pregnancy

VS

Medicare Premier

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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