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ICICI Lombard Complete Health Insurance (Health Shield) vs Magma HDI One Health (Premium)
ICICI Lombard Complete Health Insurance (Health Shield)
No room rent limit
This plan is indeed a complete health insurance package that can cater to your healthcare needs. Not only is it reasonably priced compared to other products but it also provides comprehensive coverage. It covers a variety of expenses besides hospitalization and related expenses, including the cost of consumable items, and OPD expenses, i.e., day-to-day expenses for medicines, tests, consultations, etc. Additionally, the plan gives you the choice of automatically increasing your sum covered in accordance with the previous year’s inflation. It, however, does not allow you to pay your premiums on a monthly basis. In addition, our research shows that the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.
Fairly priced in comparison to other products in the market
No restrictions on the type of hospital room you choose
Covers outpatient department costs, such as medications, tests, consultations, etc.
Magma HDI One Health (Premium)
No room rent limit
This plan provides extensive coverage including bariatric surgery, infertility treatment, etc. along with hospitalization and other related expenses. However, it's worth noting that it imposes sub-limits on specific treatments like cataract, which can lead to higher out-of-pocket expenses. Further, this plan is comparatively more expensive than other options in the market and lacks the flexibility of monthly premium payments. And, according to our research, the insurer has received a higher number of complaints in terms of policy purchase which indicates that you may not have a pleasant purchase experience. However, they have received fewer claim settlement complaints, suggesting that the insurer has a strong track record in terms of claims service.
No restrictions on the type of hospital room you choose
Covers Bariatric surgery for weight loss
Covers expenses related to infertility treatment
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