{"uin":"IRDAN149RP0024V01202021","name":"Magma HDI Bharat Griha Raksha Policy","url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021","insurer":{"slug":"magma-general-insurance","name":"Magma General Insurance Limited","url":"https://indiainsurances.com/insurer/magma-general-insurance"},"line":"general","category":"home","category_name":"Home insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-03-30","withdrawn_on":null,"summary":"Magma HDI Bharat Griha Raksha Policy covers home building and/or home contents against listed insured events including fire, earthquake, storm, flood and theft within 7 days of an insured event. It includes built-in general contents cover of 20% of the home building sum insured up to ₹ 10 Lakh when both covers are opted, and underinsurance does not apply.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:26:39.740314+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plan variants are printed; the wording describes covers chosen by the insured.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines Policy Period by the Policy Schedule but does not print a fixed term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"You must immediately give notice of physical loss or damage. The claim form must be submitted at the earliest opportunity, but within 30 days from the date you first notice the loss or damage.","display":"Immediate notice; claim form within 30 days from first noticing the loss or damage","note":null,"quote":"As soon as any physical loss or damage occurs to Your Home Building or Home Contents due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","sources":[{"clause":null,"heading":"1. Immediate notice to Us","page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-1-immediate-notice-to-us"},{"clause":"6(IV)(a)(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-6-iv-a-i"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Our claim form","photographs of loss or physical damage, wherever possible","plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs","Death Certificate and Post Mortem report (wherever necessary)"],"display":"Claim form; photographs where possible; plans, specification books, vouchers and invoices for reconstruction/replacement/repairs; death certificate and post mortem report for personal accident claims where necessary","note":null,"quote":"You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage. ... ix) submit photographs of loss or physical damage, wherever possible. ... You must support Your claim for Home Building and/or Home Contents with plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs. ... For Optional Cover of Personal Accident, Death Certificate and Post Mortem report (wherever necessary) shall be submitted.","sources":[{"clause":"6(IV)(a)(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-6-iv-a-i"},{"clause":null,"heading":"1. Immediate notice to Us","page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-1-immediate-notice-to-us"},{"clause":null,"heading":"5. Establish loss","page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-5-establish-loss"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.","War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.","Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it.","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause (lightning included).","Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.","Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.","Loss or damage to any Insured Property removed from Your Home to any other place.","Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.","Any reduction in market value of any Insured Property after its repair or reinstatement.","Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement.","Costs, fees or expenses for preparing any claim."],"display":"Deliberate acts, war, nuclear/radioactivity, electrical damage by short circuiting etc., bullion and documents etc., missing or mislaid property, property removed from home, consequential loss, reduction in market value, additions increasing carpet area by more than 10%, and claim preparation costs","note":null,"quote":"1. Your deliberate, wilful or intentional act or ommission, or of anyone on Your behalf, or with Your connivance.\n2. War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power.\n3. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it. ... 5. Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause (lightning included). This exclusion applies only to the particular machine so lost, damaged or destroyed.\n6. Loss or damage to bullion or unset precious stones, manuscripts, plans, drawings, securities, obligations or documents of any kind, coins or paper money, cheques, vehicles, and explosive substances unless otherwise expressly stated in the policy.\n7. Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable event.\n8. Loss or damage to any Insured Property removed from Your Home to any other place.\n9. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.\n10. Any reduction in market value of any Insured Property after its repair or reinstatement.\n11. Any addition, extension, or alteration to any structure of Your Home Building that increases its Carpet Area by more than 10% of the Carpet Area existing at the Commencement Date or on the date of renewal of this Policy, unless You have paid additional premium and such addition, extension or alteration is added by Endorsement.\n12. Costs, fees or expenses for preparing any claim.","sources":[{"clause":"6(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-6-b-4"},{"clause":"6(b)(ii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-6-b-ii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First send the grievance in writing by post or email to the insurer's Grievance Redressal Officer / Customer Service Officer. If it is not resolved within 15 days or you are unhappy with the resolution, you can approach IRDAI before the Ombudsman route.","display":"Write to the Grievance Redressal Officer / Customer Service Officer; if not resolved within 15 days or unhappy, approach IRDAI","note":null,"quote":"You can send Your grievance in writing by post or email to Our Grievance\nRedressal | Officer | at | the | following | address:\nCustomer Service Officer Magma HDI General Insurance Co Ltd Magma House 24, Park Street, Kolkata-70016 Phone: 1800 - 3002 – 3202\ncustomercare@magma-hdi.co.in ... In case it is not resolved within 15 days or if You are unhappy with the resolution You can approach the Grievance Redressal Cell of the Consumer Affairs Department of IRDAI","sources":[{"clause":null,"heading":"1. Our Grievance Redressal Officer","page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-1-our-grievance-redressal-officer"},{"clause":"8(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-8-a-4"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Explosion or Implosion","Lightning","Earthquake, volcanic eruption, or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which Your Home Building stands, Landslide, Rockslide","Bush fire, Forest fire, Jungle fire","Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.)","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism (Coverage as per Terrorism Clause attached)","Bursting or overflowing of water tanks, apparatus and pipes.","Leakage from automatic sprinkler installations.","Theft within 7 (seven )days from the occurrence of and proximately caused by any of the above Insured Events."],"display":"Fire; explosion or implosion; lightning; earthquake/volcanic eruption/convulsions of nature; storm/cyclone/typhoon/tempest/hurricane/tornado/tsunami/flood/inundation; subsidence/landslide/rockslide; bush/forest/jungle fire; impact damage; missile testing; riot/strikes/malicious damages; terrorism; bursting/overflowing water tanks, apparatus and pipes; sprinkler leakage; theft within 7 days of an insured event","note":null,"quote":"We give insurance cover for physical loss or damage, or destruction caused to Insured Property by the following unforeseen events occurring during the Policy Period. ... 1. | Fire | caused by burning of Insured Property by order of any Public Authority. ... 2. | Explosion or Implosion | - ... 3. | Lightning | - ... 4. | Earthquake, volcanic eruption, or other convulsions of nature | -\n5. | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | - ... 6. | Subsidence of the land on which Your Home Building stands, Landslide, Rockslide | caused by ... 7. | Bush fire, Forest fire, Jungle fire | -\n8. | Impact damage of any kind, i.e., damage caused by impact of, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.) | caused by ... 9. | Missile testing operations | -\n10. | Riot, Strikes, Malicious Damages | caused by ... 11 | Acts of terrorism (Coverage as per Terrorism Clause attached) | Exclusions and Excess as per Terrorism Clause attached. ... 12. | Bursting or overflowing of water tanks, apparatus and pipes. | -\n13. | Leakage from automatic sprinkler installations. | ... 14. | Theft within 7 (seven )days from the occurrence of and proximately caused by any of the above Insured Events. |","sources":[{"clause":null,"heading":"Clause B. Insured Events","page":6,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-clause-b-insured-events"},{"clause":"Row 1","heading":"Fire","page":6,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-row-1"},{"clause":"Row 2","heading":"Explosion or Implosion","page":6,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-row-2"},{"clause":"Row 3","heading":"Lightning","page":6,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-row-3"},{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":6,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-row-4"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The terrorism row points to an attached Terrorism Clause for excess, but no deductible amount is printed in the provided wording.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You can cancel at any time by written notice and the policy terminates when the insurer receives the notice. Refund of the annual rate is 90% up to 15 days, 85% up to 1 month, 70% up to 2 months, 60% up to 3 months, 50% up to 4 months, 40% up to 5 months, 30% up to 6 months, 25% up to 7 months, 20% up to 8 months, 15% up to 9 months, and no refund after 9 months.","display":"Cancel any time by written notice; refund 90% to 15 days, 85% to 1 month, 70% to 2 months, 60% to 3 months, 50% to 4 months, 40% to 5 months, 30% to 6 months, 25% to 7 months, 20% to 8 months, 15% to 9 months, no refund after 9 months","note":"For long term policies, cancellation refund is subject to reworking the premium/discount as printed.","quote":"You can cancel this Policy at any time by giving Us notice in writing. The Policy will terminate when We receive Your notice. ... If You cancel the policy, We will refund premium as follows:\nTime for which Policy in force | Refund of Premium\nFor a period not exceeding | 15 days | 90% of the Annual rate\n-do- | 1 month | 85% of the Annual rate\n-do- | 2 months | 70% of the Annual rate\n-do- | 3 months | 60% of the Annual rate\n-do- | 4 months | 50% of the Annual rate\n-do- | 5 months | 40% of the Annual rate\n-do- | 6 months | 30% of the Annual rate\n-do- | 7 months | 25% of the Annual rate\n-do- | 8 months | 20% of the Annual rate\n-do- | 9 months | 15% of the Annual rate\nFor a period exceeding | 9 months | No Refund ... Refund on cancellation of long term policy at the request of the insured may be allowed subject to the following conditions: ... If the policy is cancelled within 3 years of inception, the premium to be retained shall be worked out as per normal rates applicable – that is without allowing any long term discount ... If the policy is cancelled after 3 years of inception, the discount slab shall be reworked for the number of years the policy was actually in force. For this purpose fraction of a year shall be rounded to the next higher year. For example if the policy has run for 3 years and 3 months, premium shall be retained for 4 years.","sources":[{"clause":"6(III)(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-6-iii-a"},{"clause":"6(III)(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-6-iii-b"},{"clause":"6(III)(c)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-6-iii-c"},{"clause":"6(III)(c)(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-6-iii-c-i"},{"clause":"6(III)(c)(ii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-6-iii-c-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording states Indian law and courts but does not state a geographic area of cover.","quote":null,"sources":[],"law":[]},{"key":"building_cover","label":"Building cover","section":"Cover","meaning":"Cover for the structure and how its value is set.","status":"quote-verified","value":"Home Building cover pays for physical loss, damage or destruction of the home building because of an insured event. The home building includes permanently attached fixtures and fittings and listed additional structures on the same site, and the sum insured is the prevailing cost of construction at the commencement date.","display":"Physical loss, damage or destruction of the home building by insured events; includes permanent fixtures/fittings and listed additional structures; sum insured is prevailing Cost of Construction at commencement","note":null,"quote":"We cover physical loss or damage, or destruction of Your Home Building because of any Insured Event listed in Clause B of this Policy. ... Your Home Building includes\ni) fixtures and fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings.\nii) the following ‘additional structures’ if they are on the same site, and are used as part of Your Home Building: ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss.","sources":[{"clause":null,"heading":"1. What We cover","page":8,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-1-what-we-cover"},{"clause":null,"heading":"2. Your Home Building","page":8,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-2-your-home-building"},{"clause":null,"heading":"4. Sum Insured","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-4-sum-insured"}],"law":[]},{"key":"contents_cover","label":"Contents cover","section":"Cover","meaning":"Cover for household goods, jewellery and valuables, and limits.","status":"quote-verified","value":"Home Contents cover pays for physical loss, damage or destruction of General Contents caused by an insured event. Valuable Contents are not covered unless the optional cover is purchased; when both building and contents are opted, General Contents have a built-in cover equal to 20% of the Home Building sum insured subject to a maximum of ₹ 10 Lakh.","display":"General Contents covered for insured events; Valuable Contents only if optional cover is bought; built-in General Contents cover is 20% of Home Building sum insured up to ₹ 10 Lakh when both covers are opted","note":null,"quote":"We cover the physical loss or damage to or destruction of the General Contents of Your Home caused by an Insured Event as listed in Clause B of this Policy. Valuable Contents of Your Home are not covered under this Policy unless You have purchased the optional cover for the Valuable Contents. ... The policy has a built-in cover for the General Contents of Your home equal to 20% of the Sum Insured for Home Building Cover subject to a maximum of ₹ 10 Lakh (Rupees Ten Lakh) provided You have opted for both Home Building and Home Contents cover. ... If You want to cover the Valuable Contents in Your Home, You must opt for the Optional Cover for Valuable Contents as given in Clause E (1) (a) of this Policy.","sources":[{"clause":null,"heading":"Clause D: Home Contents Cover","page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-clause-d-home-contents-cover"},{"clause":"6(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-6-b-2"},{"clause":"6(e)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-6-e-2"}],"law":[]},{"key":"burglary","label":"Burglary and theft","section":"Cover","meaning":"Whether burglary is covered.","status":"quote-verified","value":"The wording covers theft only within 7 days from the occurrence of, and proximately caused by, an insured event. It does not state general burglary cover outside that linked theft cover.","display":"Theft covered only within 7 days of and proximately caused by an insured event","note":null,"quote":"14. | Theft within 7 (seven )days from the occurrence of and proximately caused by any of the above Insured Events. | if it is a. of any article or thing outside Your Home, or b. of any article or thing attached from the outside of the outer walls or the roof of Your Home, unless securely mounted.","sources":[{"clause":"Row 4","heading":"Earthquake, volcanic eruption, or other convulsions of nature","page":6,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-row-4"}],"law":[]},{"key":"rent_loss","label":"Rent and alternative accommodation","section":"Cover","meaning":"Cover for rent lost or a temporary home after damage.","status":"quote-verified","value":"Loss of rent and rent for alternative accommodation are covered while the home building is not fit for living following physical loss due to an insured event, to the extent declared by you and agreed by the insurer. The maximum period of this cover is three years from the date the home building becomes unfit for living, and a certificate from an architect or local authority is required.","display":"Loss of rent or alternative accommodation rent while the home is unfit after an insured event, up to the amount declared/agreed, for a maximum of three years","note":null,"quote":"Further, We pay for Loss of rent and Rent for Alternative Accommodation, which will be paid to the extent declared by You and agreed by Us as specified under Clause C (6) of this Policy while Your Home Building is not fit for living following loss or damage due to an insured event. ... We will pay the amount of rent You lose or alternative rent You pay while Your Home Building is not fit for living because of physical loss arising out of an Insured Event ... The maximum period of this cover is three years from the date Your Home Building becomes unfit for living. You must submit a certificate from an architect or the local authority to show that Your Home Building is not fit for living.","sources":[{"clause":null,"heading":"1. What We cover","page":8,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-1-what-we-cover"},{"clause":"6","heading":"Loss of Rent and Rent for Alternative Accommodation: In addition to what","page":10,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-6"},{"clause":"6(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-6-d"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"For Home Building, the sum insured is based on the prevailing Cost of Construction at the commencement date. General Contents sum insured must be enough to cover the cost of replacement, and optional Valuable Contents may be covered on an agreed value basis based on a valuation certificate, with the valuation certificate requirement waived up to ₹ 5 Lakh where individual item value does not exceed ₹ 1 Lakh.","display":"Building: prevailing Cost of Construction at commencement; General Contents: cost of replacement; Valuable Contents optional agreed value basis","note":null,"quote":"Cost of Construction | The amount required to construct Your Home Building at the Commencement Date. ... The Sum Insured for the Home Building Cover is the prevailing Cost of Construction of Your Home Building at the Commencement Date as declared by You and accepted by Us and will be the maximum amount payable in the event the Home Building is a Total Loss. ... The Sum Insured You have chosen for General Contents must be enough to cover the cost of replacement of the General Contents. ... Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover):\nFor Valuable Contents, a value may be agreed upon by You and Us based on a valuation certificate submitted by You and accepted by Us. However, We shall waive the requirement of valuation certificate if the Sum Insured opted for is up to ₹ 5 Lakh (Rupees Five Lakh) and Individual item value does not exceed ₹ 1 Lakh (Rupees One Lakh).","sources":[{"clause":"4","heading":"Special meaning of certain words: Words stated in the table below have a","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-4"},{"clause":null,"heading":"4. Sum Insured","page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-4-sum-insured"},{"clause":"6(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-6-d-2"},{"clause":"6(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-6-a-4"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"Underinsurance does not apply. If the sum insured calculated on the basis of the information provided is less than the actual value at risk, the difference will not affect the amount the insurer pays.","display":"Underinsurance does not apply; no proportional reduction if value at risk is higher","note":null,"quote":"Underinsurance does not apply to the Bharat Griha Raksha Policy. Thus, if Your Sum Insured calculated on the basis of the information that You provided, is less than the actual value at risk, the difference will not affect the amount We pay.","sources":[{"clause":null,"heading":"Clause I. Waiver of Underinsurance","page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818#c-clause-i-waiver-of-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Magma HDI Bharat Griha Raksha Policy (IRDAI copy)","pages":23,"fetched_at":"2026-10-20 01:36:40+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN149RP0024V01202021_GEN4045.pdf/4e17d0ba-8127-a690-c1d3-95d1f4c15096?version=1.1&t=1668250433456&download=true","url":"https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021/document/26818"}],"versions":[{"uin":"GEN4045","version":null,"approved_on":null},{"uin":"IRDAN149RP0024V01202021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Magma General Insurance official website","url":"https://www.magmainsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.magmainsurance.com/web/magmainsurance/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.magmainsurance.com/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renewal","url":"https://www.magmainsurance.com/renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Magma HDI Bharat Griha Raksha Policy (UIN IRDAN149RP0024V01202021), IndiaInsurances, https://indiainsurances.com/policy/magma-general-insurance/magma-hdi-bharat-griha-raksha-policy-irdan149rp0024v01202021"}