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Insurance Plans Comparison

Niva Bupa Health Assurance vs Magma OneHealth Premium

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

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Niva Bupa

Health Assurance

Choose a listed critical-illness lump sum, accident cover and daily hospital cash as fixed benefits you can combine, with hospital cash paid for each day in hospital up to 45 days a year.

What Makes It Special:

Health Assurance is a Niva Bupa family plan made up of three separate covers. CritiCare pays a lump sum for listed critical illnesses. HospiCash pays a fixed daily cash amount during hospitalisation. AccidentCare pays for accidental death, permanent disability and temporary disability.

Best For:

  • Buyers who want lifelong renewal on all three covers

  • Parents who want child education benefits paid on an accidental death or permanent disability of the proposer

  • Working adults who want accident death, disability and income-loss cover

  • Buyers who want daily cash to cover incidental costs during a hospital stay

  • Families who want a lump sum if a listed critical illness is diagnosed

VS
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

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

Niva Bupa Health Assurance

  • The sum insured for AccidentCare and TTD is linked to annual income, so check the limits against your income.

  • Only 2 adults can be covered under a CritiCare family option, so check this before buying for a larger family.

  • AccidentCare has no waiting period, but it is available only to Risk Class 1 and 2 occupations, with a 50% loading for Risk Class 2.

  • HospiCash pays a fixed daily amount for up to 45 days a year, so it does not reimburse hospital bills.

  • CritiCare does not start for 90 days, and a 36-month PED wait applies, so buy early if you have a condition.

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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Assurance
Health Assurance

Health Insurance Plan

Brochure

Policy Wording

VS
OneHealth Premium
OneHealth Premium

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Assurance

Normal: Covered up to Sum Insured

ICU: Covered up to Sum Insured

VS

OneHealth Premium

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

Advanced Treatments

Health Assurance

Modern Treatments covered up to Sum Insured

VS

OneHealth Premium

Information Unavailable

ICU Charges

Health Assurance

Under HospiCash, the ICU cash benefit is double the daily cash benefit for ICU stays, up to 7 days a year.

VS

OneHealth Premium

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

Co-payment

Health Assurance

Optional co-payment available

VS

OneHealth Premium

10% in Applicable Circumstances

Disease-wise sublimits

Health Assurance

Information Unavailable

VS

OneHealth Premium

Specific Disease-wise Sublimits Apply

Cashless Healthcare Providers

Health Assurance

10,000+ Network Hospitals

VS

OneHealth Premium

6,100+ Network Hospitals

Restoration Benefit

Health Assurance

Information Unavailable

VS

OneHealth Premium

Reload Available from the First Claim

Daycare Treatment

Health Assurance

Covered

VS

OneHealth Premium

405 Daycare Procedures Covered

Cumulative Bonus

Health Assurance

AccidentCare renewal benefit: the sum insured rises by 5% for each claim-free year, up to a total of 25%. Applies to all AccidentCare benefits except TTD and accident hospitalisation.

VS

OneHealth Premium

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

AYUSH Treatment

Health Assurance

Covered up to Sum Insured

VS

OneHealth Premium

Not Specifically Mentioned in the Brochure

Consumable Cover

Health Assurance

Please refer to the policy wording.

VS

OneHealth Premium

Available Through Optional Cover

Initial Waiting Period

Health Assurance

CritiCare: 90 days. HospiCash: 30 days, except accidents. AccidentCare: none.

VS

OneHealth Premium

30 Days

Specific Waiting Period

Health Assurance

HospiCash only: 24 months for 17 listed conditions and procedures

VS

OneHealth Premium

2 Years for Specified Procedures

PED Waiting Period

Health Assurance

36 months for CritiCare and HospiCash

VS

OneHealth Premium

3 Years

Modern Treatment

Health Assurance

Not covered as a separate benefit. AccidentCare Hospitalisation covers surgery, room rent and related costs for accidental injury up to 2% of the AccidentCare sum insured.

VS

OneHealth Premium

Not Specifically Mentioned in the Brochure

Annual Health Checkup

Health Assurance

Kindly refer to the policy wording.

VS

OneHealth Premium

Available After 2 Continuous Claim-Free Renewals

Pre-Hospitalisation

Health Assurance

Information Unavailable

VS

OneHealth Premium

Covered for Up to 30 Days

Post-Hospitalisation

Health Assurance

Kindly refer to policy wording.

VS

OneHealth Premium

Covered for Up to 45 Days

Outpatient Department Cover (OPD Expense)

Health Assurance

Not covered.

VS

OneHealth Premium

Not Covered as a Base Benefit

Deductible Option

Health Assurance

Kindly refer to the policy wording.

VS

OneHealth Premium

Not Specified in the Brochure

Coverage Options

Health Assurance

AccidentCare (individual or family, with optional TTD and accident hospitalisation), CritiCare (individual or family floater, Option 1 lump sum or Option 2 lump sum with staggered payout), HospiCash (individual or family, daily cash).

VS

OneHealth Premium

Sum Insured Options from ₹2 Lakh to ₹10 Lakh

Claim Settlement Ratio

Health Assurance

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

VS

OneHealth Premium

Not Specified in the Brochure

Maternity Cover

Health Assurance

Information Unavailable

VS

OneHealth Premium

Not Covered Except Ectopic Pregnancy

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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