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Insurance Plans Comparison

Magma OneHealth Premium vs TATA AIG Medicare

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

Tata AIG Medicare

What Makes It Special:

Tata AIG MediCare is a comprehensive health insurance plan that provides coverage for inpatient hospitalisation, Day Care Treatment, pre and post-hospitalisation expenses, domiciliary treatment and AYUSH treatment. The policy also includes benefits such as automatic restoration of the Sum Insured, Cumulative Bonus, preventive health check-ups, second medical opinion and additional...

Best For:

  • Customers who value additional healthcare services such as preventive health check-ups and second medical opinions.

  • Individuals looking for additional protection through restoration and Cumulative Bonus benefits.

  • Customers who want coverage for domiciliary treatment and AYUSH treatment.

  • Families looking for health insurance with Family Floater coverage.

  • Individuals looking for comprehensive hospitalisation and Day Care Treatment coverage.

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

  • The policy also provides additional benefits such as preventive health check-ups, second medical opinion and other healthcare support, subject to the applicable limits and conditions.

  • Domiciliary Treatment is covered when the treatment exceeds three days and the applicable policy conditions are satisfied.

  • A 50% Cumulative Bonus is added after each claim-free policy year, up to a maximum of 100% of the Sum Insured, subject to policy conditions.

  • The policy provides automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to applicable conditions.

  • Consider Tata AIG MediCare if you want coverage for inpatient hospitalisation, Day Care Treatment, pre-hospitalisation and post-hospitalisation expenses.

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
Medicare

Health Insurance Plan

Brochure

Policy Wording

Room Rent

OneHealth Premium

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

VS

Medicare

  1. Normal: 2% of the sum insured per day
  2. ICU: 4% of the sum insured per day
ICU Charges

OneHealth Premium

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

VS

Medicare

4% of Sum Insured per day

Co-payment

OneHealth Premium

10% in Applicable Circumstances

VS

Medicare

No Specific Mandatory Co-payment Mentioned

Disease-wise sublimits

OneHealth Premium

Specific Disease-wise Sublimits Apply

VS

Medicare

Applicable to Specified Treatments

Waiting Period

OneHealth Premium

Information Unavailable

VS

Medicare

  1. Initial Waiting Periods: 30 Days
  2. Specific Diseases/procedures: 24 Months
  3. Pre-Existing Diseases: 36 Months
Cashless Healthcare Providers

OneHealth Premium

6,100+ Network Hospitals

VS

Medicare

11,000+ Cashless Hospitals

Restoration Benefit

OneHealth Premium

Reload Available from the First Claim

VS

Medicare

Available Once for Road Traffic Accident

Cumulative Bonus

OneHealth Premium

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

VS

Medicare

5% of Sum Insured per claim-free year

Daycare Treatment

OneHealth Premium

405 Daycare Procedures Covered

VS

Medicare

Cover expenses for listed Day Care Treatment due to disease/illness/injury during the policy period taken at a hospital or a Day Care Centre.

Consumable Cover

OneHealth Premium

Available Through Optional Cover

VS

Medicare

Not Covered as a Separate Benefit

AYUSH Treatment

OneHealth Premium

Not Specifically Mentioned in the Brochure

VS

Medicare

Cover for expenses incurred for treatment as in-patient in AYUSH Hospital.

Initial Waiting Period

OneHealth Premium

30 Days

VS

Medicare

30 Days

Specific Waiting Period

OneHealth Premium

2 Years for Specified Procedures

VS

Medicare

24 Months

PED Waiting Period

OneHealth Premium

3 Years

VS

Medicare

36 Months

Modern Treatment

OneHealth Premium

Not Specifically Mentioned in the Brochure

VS

Medicare

Covered up to 25% of Sum Insured

Annual Health Checkup

OneHealth Premium

Available After 2 Continuous Claim-Free Renewals

VS

Medicare

Available as per Policy Terms

Pre-Hospitalisation

OneHealth Premium

Covered for Up to 30 Days

VS

Medicare

Covered for Up to 30 Days

Post-Hospitalisation

OneHealth Premium

Covered for Up to 45 Days

VS

Medicare

Covered for Up to 60 Days

Outpatient Department Cover (OPD Expense)

OneHealth Premium

Not Covered as a Base Benefit

VS

Medicare

Not Covered under Base Policy

Deductible Option

OneHealth Premium

Not Specified in the Brochure

VS

Medicare

Not Specified

Coverage Options

OneHealth Premium

Sum Insured Options from ₹2 Lakh to ₹10 Lakh

VS

Medicare

₹1 Lakh to ₹10 Lakh

Claim Settlement Ratio

OneHealth Premium

Not Specified in the Brochure

VS

Medicare

Not Specified

Maternity Cover

OneHealth Premium

Not Covered Except Ectopic Pregnancy

VS

Medicare

Not Covered

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.

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