{"uin":"MAGHLIP25035V012425","name":"Double Suraksha","url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425","insurer":{"slug":"magma-general-insurance","name":"Magma General Insurance Limited","url":"https://indiainsurances.com/insurer/magma-general-insurance"},"line":"health","category":"hospital-cash","category_name":"Hospital daily cash","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Double Suraksha is a hospital cash health policy offered as an Individual Policy or a Family Floater Policy with sickness hospital cash sum insured options from Rs. 1,000 to Rs. 10,000 per day. It has a 30-day initial waiting period, 36-month pre-existing disease waiting period that can be reduced to 24 months, and optional covers including day care treatment cash, worldwide hospital cash and deductible changes.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:51:14.255462+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":"quote-verified","value":["Individual Policy","Family Floater Policy"],"display":"Individual Policy; Family Floater Policy","note":null,"quote":"This Policy can be offered as an Individual Policy covering one member or as a Family Floater Policy.","sources":[{"clause":null,"heading":"Eligibility","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12433#c-eligibility"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy is issued for 1year, 2 years or 3 years.","display":"1year, 2 years or 3 years","note":null,"quote":"Policy Period | 1year, 2 years or 3 years","sources":[{"clause":"Annexure II","heading":null,"page":26,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-annexure-ii"}],"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":"For planned hospitalisation, the insurer must be informed at least 48 hours before admission. For emergency hospitalisation, it must be informed within 24 hours of admission.","display":"Planned hospitalisation: at least 48 hours prior; emergency hospitalisation: within 24 hours of admission","note":null,"quote":"If any treatment for which a claim may be made and that treatment requires planned Hospitalisation: At least 48 hours prior to the Insured Person’s admission. 2) If any treatment for which a claim may be made and that treatment requires emergency Hospitalization Within 24 hours of the Insured Person’s admission to Hospital.","sources":[{"clause":"5.3","heading":"Claim Procedure","page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-5-3"}],"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":["Duly filled and signed claim form","Copy of Discharge Summary","Copy of Hospital bill Breakup","Cancel cheque copy of Policyholder / Nominee (in case of death) with name printed on it","KYC (Govt approved Photo ID proof and Address proof)","Any other documents required while processing the claim"],"display":"Claim form, discharge summary, hospital bill breakup, cancelled cheque, KYC, and any other processing documents","note":null,"quote":"Claim Documents:\n1. Duly filled and signed claim form\n2. Copy of Discharge Summary\n3. Copy of Hospital bill Breakup\n4. Cancel cheque copy of Policyholder / Nominee (in case of death) with name printed on it\n5. KYC (Govt approved Photo ID proof and Address proof)\n6. Any other documents required while processing the claim.","sources":[{"clause":"5.3","heading":"Claim Procedure","page":21,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-5-3"}],"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":"conflicting","value":"The policy wording says the insurer shall settle or reject a claim within 30 days from receipt of the last necessary document, or within 45 days from that date where investigation is warranted.","display":"30 days from last necessary document; 45 days if investigation is warranted","note":"The CIS says: \"Claims shall be settled or rejected, as the case may be, within 15 from the date of intimation (along with the requisite documents).\"","quote":"i) The Company shall settle or reject a claim, as may be the case, within 30 days from the date of receipt of last necessary document. ... iii) However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"4.1.3(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-4-1-3-i"},{"clause":"4.1.3(iii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-4-1-3-iii"},{"clause":null,"heading":"For Sum Insured less than 5,000 per day of Sickness Hospital Cash","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12542#c-for-sum-insured-less-than-5-000-per-day-of-sickn"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"For grievances, contact the insurer through its website, toll-free number, email or branch/corporate office, or approach the Branch Grievance Redressal Officer. If not satisfied, contact the Grievance Officer at Magma General Insurance Ltd., Kurla (West), Mumbai, email gro@magmainsurance.com.","display":"First contact Customer Care or Branch GRO; then the Grievance Officer at gro@magmainsurance.com","note":null,"quote":"In case of any grievance, the Insured Person, including senior citizens, may contact the Company through any of the following channels:\nCustomer Care:\n• Website: www.magmainsurance.com\n• Toll Free Number: 1800 266 3202\n• Email: customercare@magmainsurance.com ... The customer may also reach out to the Branch Grievance Redressal Officer (GRO) Email address: customercare@magmainsurance.com ... If the Insured Person is not satisfied with the grievance redressal through the above channels, they may contact the Grievance Officer at:\nMagma General Insurance Ltd. Equinox Business Park, Tower 3, Ambedkar Nagar, 2nd Floor, Unit No. 1B and 2B, LBS Marg, Kurla (West), Mumbai – 400070, Maharashtra, India. Email: gro@magmainsurance.com","sources":[{"clause":"4.1.16","heading":"Redressal of Grievance","page":19,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-4-1-16"}],"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":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Sickness Hospital Cash Sum Insured options are Rs. 1,000, 2,000, 3,000, 5,000, 7,000 or 10,000 per day.","display":"Rs. 1,000 / 2,000 / 3,000 / 5,000 / 7,000 / 10,000 Per Day","note":null,"quote":"Rs. 1,000 / 2,000 / 3,000 / 5,000 / 7,000 / 10,000 Per Day","sources":[{"clause":null,"heading":"Sickness Hospital Cash Sum Insured","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12433#c-sickness-hospital-cash-sum-insured"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"i) Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"Excl03","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-excl03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"The waiting period can be reduced to 24 months if opted and mentioned in the policy schedule.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months. The waiting period would be reduced to 24 months if the same is opted and mentioned in policy schedule;","sources":[{"clause":"3.1.1(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-1-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"The waiting period can be reduced to 12 months if opted and mentioned in the policy schedule; it does not apply to claims arising due to an accident.","quote":"Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage, as may be the case after the date of inception of the first policy with the Insurer. The waiting period would be reduced to 12 months if the same is opted and mentioned in policy schedule;","sources":[{"clause":"Excl02(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-excl02-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Cataract","Stones in biliary and urinary systems","Hernia / Hydrocele","Hysterectomy for any benign disorder","Lumps / cysts / nodules / polyps / internal tumours","Gastric and Duodenal Ulcers","Surgery on tonsils / adenoids","Osteoarthrosis / Arthritis / Gout / Rheumatism / Spondylosis / Spondylitis / Intervertebral Disc Prolapse","Fissure / Fistula / Haemorrhoid","Sinusitis / Deviated Nasal Septum / Tympanoplasty / Chronic Suppurative Otitis Media","Benign Prostatic Hypertrophy","Knee/Hip Joint replacement and any ligament, tendon, or muscle tear","Dilatation and Curettage","Varicose veins","Dysfunctional Uterine Bleeding / Fibroids / Prolapse Uterus / Endometriosis","Chronic Renal Failure or end stage Renal Failure","Internal congenital anomalies/diseases/defects except for new-borns and infants"],"display":"Cataract; stones in biliary and urinary systems; hernia/hydrocele; hysterectomy for benign disorder; lumps/cysts/nodules/polyps/internal tumours; gastric and duodenal ulcers; tonsils/adenoids surgery; osteoarthrosis/arthritis/gout/rheumatism/spondylosis/spondylitis/intervertebral disc prolapse; fissure/fistula/haemorrhoid; sinusitis/deviated nasal septum/tympanoplasty/chronic suppurative otitis media; BPH; knee/hip joint replacement and ligament/tendon/muscle tear; D&C; varicose veins; dysfunctional uterine bleeding/fibroids/prolapse uterus/endometriosis; chronic renal failure or end-stage renal failure; internal congenital anomalies/diseases/defects except for new-borns and infants","note":null,"quote":"List of these diseases is:\n1. Cataract\n2. Stones in biliary and urinary systems\n3. Hernia / Hydrocele\n4. Hysterectomy for any benign disorder\n5. Lumps / cysts / nodules / polyps / internal tumours\n6. Gastric and Duodenal Ulcers\n7. Surgery on tonsils / adenoids\n8. Osteoarthrosis / Arthritis / Gout / Rheumatism / Spondylosis / Spondylitis / Intervertebral Disc Prolapse\n9. Fissure / Fistula / Haemorrhoid\n10. Sinusitis / Deviated Nasal Septum / Tympanoplasty / Chronic Suppurative Otitis Media\n11. Benign Prostatic Hypertrophy\n12. Knee/Hip Joint replacement and any ligament, tendon, or muscle tear\n13. Dilatation and Curettage\n14. Varicose veins\n15. Dysfunctional Uterine Bleeding / Fibroids / Prolapse Uterus / Endometriosis\n16. Chronic Renal Failure or end stage Renal Failure\n17. Internal congenital anomalies/diseases/defects except for new-borns and infants","sources":[{"clause":"Excl02(e)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-excl02-e"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums insured, sixty continuous months applies from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"4.1.12","heading":"Moratorium Period","page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-4-1-12"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person may port the entire policy with all family members to another insurer by applying at least 45 days before, but not earlier than 60 days from, the policy renewal date. If continuously covered without lapses under a health policy with an Indian general or health insurer, accrued continuity benefits in waiting periods are given as per IRDAI guidelines.","display":"Allowed; apply at least 45 days before but not earlier than 60 days from renewal date","note":null,"quote":"The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 45 days before, but not earlier than 60 days from the policy renewal date as per IRDAI Guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"4.1.9","heading":"Portability","page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-4-1-9"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Lifetime renewability","note":"From the prospectus.","quote":"Lifetime renewability.","sources":[{"clause":null,"heading":"Eligibility","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12433#c-eligibility"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","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 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading is applied at renewal based on individual claim experience.","display":"No loading at renewal based on individual claim experience","note":null,"quote":"No loading shall be applied at the time of Renewal on the basis of individual claim experience.","sources":[{"clause":"5.1","heading":"Loading","page":20,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-5-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","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 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation (Code- Excl04)","Rest Cure, Rehabilitation and respite Care","Obesity/Weight Control (Code- Excl06)","Change of Gender treatment (Code- Excl07)","Cosmetic or Plastic Surgery (Code- Excl08)","Hazardous or Adventure sports","Breach of law (Code- Excl10)","Excluded Providers (Code- Excl11)","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Treatment received in heath hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error (Code- Excl15)","Unproven treatments (Code- Excl16)","Sterility and Infertility (Code- Excl17)","Maternity expenses (Code- Excl18)","Any Alternative Treatment.","OPD treatment is not covered.","Any treatment received outside India."],"display":"Excl04 to Excl18 permanent exclusions plus product-specific exclusions including alternative treatment, OPD treatment and outside-India treatment","note":null,"quote":"Investigation & Evaluation (Code- Excl04) ... Rest Cure, Rehabilitation and respite Care ... Obesity/Weight Control (Code- Excl06) ... Change of Gender treatment (Code- Excl07) ... Cosmetic or Plastic Surgery (Code- Excl08) ... Hazardous or Adventure sports (Code ... Breach of law (Code- Excl10) ... Excluded Providers (Code- Excl11) ... Treatment for, Alcoholism, drug or substance ... Treatment received in heath hydros, nature ... Dietary supplements and substances that can ... Refractive Error (Code- Excl15) ... Unproven treatments (Code- Excl16) ... Sterility and Infertility (Code- Excl17) ... Maternity expenses (Code- Excl18) ... Any Alternative Treatment. ... OPD treatment is not covered. ... Any treatment received outside India.","sources":[{"clause":"3.1.4","heading":"Investigation & Evaluation (Code- Excl04)","page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-4"},{"clause":"3.1.5","heading":"Rest Cure, Rehabilitation and respite Care","page":12,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-5"},{"clause":"3.1.18","heading":"Obesity/Weight Control (Code- Excl06)","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-18"},{"clause":"3.1.6","heading":"Change of Gender treatment (Code- Excl07)","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-6"},{"clause":"3.1.7","heading":"Cosmetic or Plastic Surgery (Code- Excl08)","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-7"},{"clause":"3.1.8","heading":"Hazardous or Adventure sports (Code","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-8"},{"clause":"3.1.9","heading":"Breach of law (Code- Excl10)","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-9"},{"clause":"3.1.10","heading":"Excluded Providers (Code- Excl11)","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-10"},{"clause":"3.1.11","heading":"Treatment for, Alcoholism, drug or substance","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-11"},{"clause":"3.1.12","heading":"Treatment received in heath hydros, nature","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-12"},{"clause":"3.1.13","heading":"Dietary supplements and substances that can","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-13"},{"clause":"3.1.14","heading":"Refractive Error (Code- Excl15)","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-14"},{"clause":"3.1.15","heading":"Unproven treatments (Code- Excl16)","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-15"},{"clause":"3.1.16","heading":"Sterility and Infertility (Code- Excl17)","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-16"},{"clause":"3.1.17","heading":"Maternity expenses (Code- Excl18)","page":13,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-3-1-17"},{"clause":"4(b)(iv)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-4-b-iv"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"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":"The policyholder may cancel at any time by giving 7 days written notice. For policies up to one year, the insurer refunds proportionate premium for the unexpired period if no claim has been made; for terms above one year, it refunds premium for unexpired policy years where risk coverage has not commenced.","display":"7 days notice; proportionate refund for unexpired period if term up to 1 year and no claim; refund for unexpired policy years not yet commenced for terms over 1 year","note":null,"quote":"i) The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Insurer shall\na) Refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim\n(s) made during the policy period.\nb) Refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.","sources":[{"clause":"4.1.7","heading":"Cancellation/ Termination (other than Free","page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-4-1-7"}],"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":"quote-verified","value":"The policy applies to events within India, except the Worldwide Hospital Cash Cover and Compassionate Benefit optional covers. Admitted or payable claims are settled in India in Indian rupees, except Worldwide Hospital Cash Cover.","display":"India only, except Worldwide Hospital Cash Cover and Compassionate Benefit Optional Covers","note":null,"quote":"The geographical scope of this Policy applies to events within India other than for Worldwide Hospital Cash Cover and for Compassionate Benefit Optional Covers. However, all admitted or payable claims shall be settled in India in Indian rupees other than for Worldwide Hospital Cash Cover.","sources":[{"clause":"4.2.6","heading":"Geographical Scope","page":20,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-4-2-6"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applies to new individual health insurance policies and not renewals or porting/migration.","quote":"The insured shall be allowed a free look provision of thirty days from date of receipt of the Policy document to review the terms and conditions of the Policy, and to return the same if not acceptable.","sources":[{"clause":"4.1.15","heading":"Free Look Provision","page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-4-1-15"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","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 20(1), 20(2)","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":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-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, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly mode","note":"Monthly premium mode has a 15-day grace period; all other cases have 30 days.","quote":"i) The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"4.1.13","heading":"Premium Payment in Instalments (Wherever","page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-4-1-13"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.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.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"For individual policies, the minimum entry age is 5 years. For family floater dependent child or grandchild, the minimum age is 91 days; there is no cap on maximum entry age, and the proposer should be 18 years or above.","display":"Individual: minimum 5 years; family floater dependent child/grandchild: minimum 91 days; no maximum entry age cap","note":"From the prospectus.","quote":"For individual Policies, minimum entry age is 5 years ... For Family Floater Policy dependent child, grandchild can be of age minimum 91 days. ... No cap on maximum entry age. ... Proposer (Policyholder) should be 18 years or above.","sources":[{"clause":null,"heading":"Eligibility","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12433#c-eligibility"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Half Yearly","Quarterly","Monthly"],"display":"Half Yearly, Quarterly or Monthly","note":null,"quote":"If the Insured Person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in the Policy Schedule/Certificate of Insurance,","sources":[{"clause":"4.1.13","heading":"Premium Payment in Instalments (Wherever","page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-4-1-13"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Convalescence Benefit","Day Care Treatment Cash","Childbirth Hospital Cash","Worldwide Hospital Cash","Companion Benefit","Compassionate Benefit","Pre and Post-Hospitalisation Expenses","Health Maintenance Benefit","Reduction of deductible days","Increase of deductible days","Increase in Maximum days for ICU Benefit","Reduction of Pre existing disease waiting period","Reduction of Named Ailments waiting period"],"display":"Convalescence, day care treatment cash, childbirth hospital cash, worldwide hospital cash, companion benefit, compassionate benefit, pre and post-hospitalisation expenses, health maintenance benefit, deductible changes, ICU days increase, and waiting-period reductions","note":null,"quote":"B. Optional Covers The following optional Covers shall apply under the Policy for all Insured Persons if specifically opted and thus mentioned in the Policy Schedule without any individual selection. All benefits available under optional covers are in provided in consideration to extra premium as charged.\n2.B.1 Convalescence Benefit ... 2.B.2 Day Care Treatment Cash ... 2.B.3 Childbirth Hospital Cash ... 2.B.4 Worldwide Hospital Cash ... 2.B.5 Companion Benefit ... 2.B.6 Compassionate Benefit ... 2.B.7 Pre and Post-Hospitalisation Expenses ... 2.B.8 Health Maintenance Benefit ... 2.B.9 Reduction of deductible days ... 2.B.10 Increase of deductible days ... 2.B.11 Increase in Maximum days for ICU Benefit ... 2.B.12 Reduction of Pre existing disease waiting period ... 2.B.13 Reduction of Named Ailments waiting period","sources":[{"clause":"1.2(c)(iv)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-1-2-c-iv"},{"clause":"1.2(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-1-2-b-3"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"conflicting","value":"Coverage is not available during the grace period, according to the policy wording.","display":"Coverage is not available during the grace period","note":"The prospectus says: \"Coverage shall be available during the grace period, if the premium is paid in instalments during the policy period.\"","quote":"During such grace period, coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company.","sources":[{"clause":"4.1.13","heading":"Premium Payment in Instalments (Wherever","page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483#c-4-1-13"},{"clause":"4.1.13","heading":"Premium Payment in Instalments (Wherever applicable)","page":15,"url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12433#c-4-1-13"}],"law":[]},{"key":"daily_amount","label":"Daily amount","section":"Cover","meaning":"The fixed amount paid per day in hospital.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"max_days","label":"Maximum days","section":"Cover","meaning":"Most days paid per admission and per year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"min_stay","label":"Minimum stay","section":"Cover","meaning":"How long you must be in hospital before daily cash starts.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings – Double Suraksha (w.e.f. 1st Oct, 2024)","pages":26,"fetched_at":"2026-10-17 19:52:17+00","source_url":"https://www.magmainsurance.com/documents/5553002/5844234/Policy+Wordings+%E2%80%93+Double+Suraksha+%28w.e.f.+1st+Oct%2C+2024%29.pdf/3564d1ae-b859-e1d4-3dc2-06260a692ca2?t=1789042414307","url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12483"},{"kind":"wording","label":"Policy Wordings – Double Suraksha (effective till 30th Sep, 2024)","pages":20,"fetched_at":"2026-10-17 19:52:22+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Policy+Wordings+%E2%80%93+Double+Suraksha.pdf/ef40b1f3-c3b8-8adf-7b59-26f7472ca8c2?t=1735733801033","url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12486"},{"kind":"prospectus","label":"Prospectus – Double Suraksha (w.e.f. 1st Oct, 2024)","pages":25,"fetched_at":"2026-10-17 19:50:22+00","source_url":"https://www.magmainsurance.com/documents/5553002/5844234/Prospectus+%E2%80%93+Double+Suraksha+%28w.e.f.+1st+Oct%2C+2024%29.pdf/e725e5eb-8ba3-7efc-0855-4cf57fd6785c?t=1789042414858","url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12433"},{"kind":"prospectus","label":"Prospectus – Double Suraksha (effective till 30th Sep, 2024)","pages":15,"fetched_at":"2026-10-17 19:50:28+00","source_url":"https://www.magmainsurance.com/documents/5553002/5844234/Prospectus+-+Double+Suraksha.pdf/d3afe7bc-3636-ca1c-b97d-6cc731c9d042?t=1765542341519","url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12435"},{"kind":"cis","label":"OneHealth - 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Double Suraksha - Bengali","pages":11,"fetched_at":"2026-10-17 19:54:50+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/Customer+Information+Sheet+%E2%80%93+Double+Suraksha+%28w.e.f.+1st+Oct%2C+2024%29_Bengali.pdf/f0c117d3-f7bc-65fb-9e7b-55618be63763?t=1789042528571","url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12547"},{"kind":"cis","label":"Customer Information Sheet - Double Suraksha - Marathi","pages":11,"fetched_at":"2026-10-17 19:54:55+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/Customer+Information+Sheet+%E2%80%93+Double+Suraksha+%28w.e.f.+1st+Oct%2C+2024%29_Marathi.pdf/c4700ca9-9a11-9e77-e0d0-e6f3429c4553?t=1765709982762","url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12551"},{"kind":"cis","label":"Customer Information Sheet - Double Suraksha - Tamil","pages":17,"fetched_at":"2026-10-17 19:55:00+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/Customer+Information+Sheet+-+Double+Suraksha+%28w.e.f.+1st+Oct+2024%29-+Tamil.pdf/112d271a-2338-bb88-ce92-1d493751eb0a?t=1789042534734","url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12555"},{"kind":"cis","label":"Customer Information Sheet - Double Suraksha - Malayalam","pages":10,"fetched_at":"2026-10-17 19:55:05+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/CIS+%E2%80%93+Double+Suraksha+-+Malayalam+-+2025.pdf/1337fa34-c2d3-6d16-0aec-6286be432d35?t=1765709985286","url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12557"},{"kind":"cis","label":"Customer Information Sheet – Double Suraksha (effective till 30th Sep, 2024)","pages":8,"fetched_at":"2026-10-17 19:55:11+00","source_url":"https://www.magmainsurance.com/documents/5553002/5844234/Customer+Information+Sheet-+Double+Suraksha+.pdf/1b723851-3a35-2fb4-f6e8-cfa85e4a94e8?t=1789042411023","url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12559"},{"kind":"brochure","label":"Brochure - Double Suraksha","pages":2,"fetched_at":"2026-10-17 19:45:25+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Brochure+-+Double+Suraksha.pdf/193c68f0-cbbf-03dc-8917-7218985385c1?t=1765810294836","url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12322"},{"kind":"benefit-illustration","label":"Benefit Premium Illustration – Double Suraksha","pages":3,"fetched_at":"2026-10-17 19:45:11+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Benefit+Premium+Illustration+%E2%80%93+Double+Suraksha.pdf/6a774f44-31a9-5ec4-68d0-162d44f45823?t=1789044414912","url":"https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425/document/12311"}],"versions":[],"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":"Double Suraksha (UIN MAGHLIP25035V012425), IndiaInsurances, https://indiainsurances.com/policy/magma-general-insurance/double-suraksha-maghlip25035v012425"}