Magma HDI Health Insurance for Kids

OneHealth Insurance by Magma HDI is an ideal health insurance product that one can choose to secure kids’ health. A comprehensive policy by nature, OneHealth ensures children can avail superior health coverage in an emergency. Offered in both the individual and family floater options, the OneHealth Insurance comes in flexible sum insured and plan options, including Support, Support Plus, Shield, and Premium.

• The policy has four different variants with a range of sum insured
• Optional covers for critical illnesses and personal accident
• Sum insured starting from Rs. 2 Lakh to a maximum of Rs. 50 Lakh
• Lifelong renewability feature
• Free health check-up annually under all the four variants
• Hospital cash benefits from Rs. 500 per day to Rs. 1,500 per day
• 10% discount if the 2-year policy tenure is chosen and 12.5% on the 3-year policy tenure

Scope of Coverage

• Pre-hospitalisation expenses from 30 to 60 days
• Post-hospitalisation expenses from 60 to 90 days
• Cover for accommodation, OT charges, fees of surgeon/doctor, etc.
• Second medical opinion if diagnosed with any specified critical Illness
• Payment for daycare procedure & domiciliary treatment
• Worldwide emergency hospitalisation cover and air ambulance cover
• Expenses incurred during AYUSH treatment

Eligibility

To enter the policy, the minimum age of the kid should be 91 days under the family floater policy and 5 years under the individual policy. To get the cover for children, a single parent or both the parents need to be insured under the same policy. The minimum and maximum age for adults is 18 years and 65 years respectively.

Exclusions

• No claim for any injury or illness due to alcohol or drugs
• No claim for any diseases due to suicide attempts
• Any injury due to riot, war, military operation or foreign enemy invasion, etc.
• Cover for the treatment during the first 30 days of the policy purchase
• Pre-existing disease cover before waiting period of 2 to 4 years

If you have any doubt about the benefits of OneHealth Insurance policy for kids, feel free to call InsuranceDekho at 1800-120-5698. We’ll be happy to assist you.