{"uin":"MAGPAIP14001V011314","name":"Individual Personal Accident","url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314","insurer":{"slug":"magma-general-insurance","name":"Magma General Insurance Limited","url":"https://indiainsurances.com/insurer/magma-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":"2014-02-12","withdrawn_on":null,"summary":"Individual Personal Accident Policy pays defined benefits for accidental death and disability under Basic, Wider and Comprehensive Cover. It has a one year policy tenure, worldwide geographical scope with claims settled in India in Indian rupees, and optional medical expenses and hospital confinement covers.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:49:42.970272+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":["Basic Cover","Wider Cover","Comprehensive Cover"],"display":"Basic Cover; Wider Cover; Comprehensive Cover","note":"The policy wording describes these as coverage options depending on the benefit selected.","quote":"The scope of coverage shall depend on the benefit selected by you and as described in the Schedule: A) Basic Cover: Death only. B) Wider Cover: Death + Permanent Total Disability + Permanent Partial Disability. C) Comprehensive Cover: Death + Permanent Total Disability + Permanent Partial Disability + Temporary Total Disability.","sources":[{"clause":"29","heading":"Prospectus","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29"}],"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":"One Year.","display":"One Year","note":null,"quote":"Policy Tenure: One Year","sources":[{"clause":null,"heading":"Renewable Age","page":5,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12356#c-renewable-age"}],"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":"Notice to the call centre must be given immediately and written intimation must be sent to the policy issuing office. For death, written notice must be given before internment/cremation unless reasonable cause is shown and in any case within one calendar month after death; for loss of sight or amputation, written notice must be given within one calendar month after the loss.","display":"Immediately; death/loss of sight/amputation written notice within one calendar month","note":null,"quote":"You shall give us a notice to our call centre immediately and also intimate in writing to our policy issuing office. In case of death, written notice also of death must, unless reasonable cause is shown, be given before internment/ cremation and in any case, within one calendar month after the death, and in the event of loss of sight or amputation of limbs, written notice thereof must also be given within one calendar month after such loss of sight or amputation.","sources":[{"clause":"29","heading":"Prospectus","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29"}],"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":["Claim form","Doctor’s report, bills in case of temporary/permanent disablement","Police report/post mortem report in case of accidental death","Leave certificate from employer in case of temporary disablement","Any other relevant document if any"],"display":"Claim form; doctor’s report and bills; police/post mortem report; leave certificate; any other relevant document","note":null,"quote":"C) Documents required for settlement of claims:\n• Claim form\n• Doctor’s report, bills in case of temporary/permanent disablement\n• Police report/post mortem report in case of accidental death\n• Leave certificate from employer in case of temporary disablement\n• Any other relevant document if any","sources":[{"clause":"29","heading":"Prospectus","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29"}],"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 claims will be settled latest within one month from the date of submission of all relevant documents, information and clarification by the insured.","display":"Latest within one month from submission of all relevant documents/information/clarification","note":"The prospectus says: \"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of intimation (along with the requisite documents).\"","quote":"Claim will be settled latest within one month from the date of submission of all the relevant documents/information/clarification by the Insured failing which the Insurance Company is required to pay the interest in terms of Regulation 9(6) of (Protection of Policy holders’ Interests) Regulations, 2002. ... The Company shall settle or reject a claim, as the case may be, within 15 days from the date of intimation (along with the requisite documents).","sources":[{"clause":"29","heading":"Prospectus","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29"},{"clause":null,"heading":"CLAIMS SETTLEMENT PROCEDURES","page":6,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12356#c-claims-settlement-procedures"}],"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":"First contact the company through customer care, the Branch Grievance Redressal Officer or the grievance cell at a branch. If not satisfied, contact the Grievance Officer at Magma General Insurance Ltd.; if still not satisfied or no response is received within 30 days, the insured may use IRDAI Bima Bharosa or approach the Insurance Ombudsman.","display":"Customer Care/Branch GRO/grievance cell first; then Grievance Officer; then Bima Bharosa or Ombudsman after 30 days/no satisfaction","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 ... 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 ... In case of the unlikely event that no response is received from the Company within 30 days from the date of filing the complaint, the Insured Person may approach the Office of the Insurance Ombudsman for redressal of grievance","sources":[{"clause":"29(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29-iii"}],"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":"Minimum Capital Sum Insured is Rs. 1, 00,000/-. Maximum Capital Sum Insured is 60 times the monthly income or 5 crs, whichever is less.","display":"Minimum Rs. 1, 00,000/-; maximum 60 times the monthly income or 5 crs whichever is less","note":"For salaried employees, the Capital Sum Insured will be reviewed after normal retirement/voluntary retirement or attaining 60 years, whichever is earlier.","quote":"Minimum Capital Sum Insured: Rs. 1, 00,000/- Maximum Capital Sum Insured: 60 times the monthly income or 5 crs whichever is less..","sources":[{"clause":null,"heading":"Renewable Age","page":5,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12356#c-renewable-age"}],"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":"not-applicable","value":null,"display":null,"note":"This is a personal accident policy paying for accidental bodily injury, death or disablement, so an illness initial waiting period does not apply.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"This personal accident policy does not provide illness cover to which a pre-existing disease waiting period would apply.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"This is not an illness or procedure indemnity product with listed specific illness waiting periods.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"There is no specific illness waiting-period list for this personal accident benefit product.","quote":null,"sources":[],"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":null,"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":"29(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29-iii"}],"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":"Portability is described as a facility for health insurance policyholders to transfer credits gained for pre-existing diseases and specific waiting periods from one insurer to another insurer.","display":"Facility to transfer PED and specific waiting-period credits from one insurer to another","note":null,"quote":"Portability: means a facility provided to the health insurance policyholders (including all members under family cover), to transfer the credits gained for, pre-existing diseases and specific waiting periods from one insurer to another insurer.","sources":[{"clause":"23","heading":"Portability","page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-23"}],"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":"Lifelong, with 15% loading above 75 years","note":null,"quote":"Maximum: Lifelong but with a loading of 15% above 75 years of age.","sources":[{"clause":null,"heading":"Renewable Age","page":5,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12356#c-renewable-age"}],"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":"not-stated","value":null,"display":null,"note":"The documents state age and occupation-related premium changes, but do not state that premium can be loaded because a claim was made.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"You may cancel by sending a written notice giving 7 days’ notice. Retention premium for the period the insurer was on risk is calculated on prorate basis and the balance is refunded, subject to no claim having been raised in the policy.","display":"7 days’ notice; prorate retention; balance refunded if no claim raised","note":null,"quote":"You may cancel this Policy by sending a written notice to us providing 7 days’ notice. Retention premium for the period we were on risk will be calculated on prorate basis and the balance will be refunded to you subject to the condition that no claim has been raised in the policy.","sources":[{"clause":"29","heading":"Prospectus","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29"}],"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 geographical scope is worldwide, but claims are settled in India in Indian rupees and the policy is governed by Indian law.","display":"WORLDWIDE; claims settled in India in Indian rupees","note":null,"quote":"The geographical scope of this policy will be WORLDWIDE, however the claims shall be settled in India in Indian rupees. The provisions of this policy shall be governed by the laws of India for the time being in force.","sources":[{"clause":"29","heading":"Prospectus","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29"}],"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":"30 days from the date of receipt of the documents","note":null,"quote":"On the first inception of the policy, you have a period of 30 days from the date of receipt of the documents to review the terms and conditions of the Policy.","sources":[{"clause":"29(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29-iii"}],"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":"The 15-day grace period is for monthly mode; the prospectus states instalment premium is not applicable.","quote":"Condonation of delay (Grace Period) in renewal up to 30 days from the due date of renewal for premium modes other than monthly or 15 days from the due date of renewal for monthly mode may be considered","sources":[{"clause":"29(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29-iii"}],"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":"Minimum entry age is 18 years for adults and 5 years for children. Maximum entry age is 65 years for adults and 23 years for children.","display":"Minimum 18 years adult/5 years children; maximum 65 years adult/23 years children","note":null,"quote":"Minimum : 18 years for adult and 5 years for children Maximum : 65 years for adult and 23 years for children.","sources":[{"clause":null,"heading":"Entry Age","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12356#c-entry-age"}],"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":["Installment Premium: Not applicable"],"display":"Installment Premium: Not applicable.","note":null,"quote":"Installment Premium: Not applicable.","sources":[{"clause":null,"heading":"Renewable Age","page":5,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12356#c-renewable-age"}],"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":["Medical Expenses Extension","Hospital Confinement Allowance"],"display":"Medical Expenses Extension; Hospital Confinement Allowance","note":"Both optional covers apply only to Comprehensive Policy and on receipt of additional premium specifically shown under the Schedule.","quote":"Optional Covers: (applicable only to Comprehensive Policy and on receipt of additional premium specifically shown under the Schedule):\nA) Medical Expenses Extension: In consideration of payment of additional premium as shown in the Schedule, the Policy is extended to cover the medical expenses reasonably and necessarily incurred by you towards medical expenses as a result of an accident resulting in the bodily injury, death or disablement. ... B) Hospital Confinement Allowance: Daily allowance of Rs.500/- per day to the actual number of days or 30 days, whichever is minimum, if the insured person (s) is hospitalized as a result of an accident resulting in the bodily injury, death or disablement.","sources":[{"clause":"29","heading":"Prospectus","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29"}],"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":"quote-verified","value":"Coverage will not be available for the renewal grace period.","display":"Coverage will not be available for such period","note":null,"quote":"Condonation of delay (Grace Period) in renewal up to 30 days from the due date of renewal for premium modes other than monthly or 15 days from the due date of renewal for monthly mode may be considered, with proper and reasonable explanation from the insured, without deeming such condonation as a break in policy. However, coverage will not be available for such period.","sources":[{"clause":"29(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29-iii"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"Accidental Death is paid at 100% of the Capital Sum Insured.","display":"100% of Capital Sum Insured","note":null,"quote":"1. Accidental Death | 100","sources":[{"clause":"29","heading":"Prospectus","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"Permanent Total Disability pays 100% of the Capital Sum Insured for loss of sight of both eyes, loss of two limbs, loss of one limb and one eye, or permanent total and absolute disablement as certified by a Medical Practitioner.","display":"100% of Capital Sum Insured for listed permanent total disabilities","note":null,"quote":"2. Permanent Total Disability:\na) Loss of sight (both eyes) | 100 ... b) Loss of two limbs | 100\nc) Loss of one limb and one eye | 100 ... d) Permanent Total and absolute disablement as certified by Medical Practioner. | 100","sources":[{"clause":"29","heading":"Prospectus","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"quote-verified","value":"Permanent Partial Disability pays the table percentage of Capital Sum Insured: 50% for loss of sight of one eye, loss of one limb, loss of hearing in both ears or loss of speech; 20% for all toes; 1% to 40% for specified toe, finger and metacarpal losses; and any other permanent partial disablement as assessed by the insurer-appointed Medical Practitioner.","display":"50% for one eye/one limb/both ears/speech; 20% for all toes; 1% to 40% for specified toe/finger/metacarpal losses; other PPD as assessed","note":"The policy table contains detailed sub-percentages for each specified phalanx and finger/toe/metacarpal loss.","quote":"3. Permanent Partial Disability:\na) Loss of sight of one eye | 50 ... b) Loss of one limb | 50 ... c) Loss of toes-all | 20 ... g) Loss of hearing – both ears | 50\nh) Loss of hearing – one ear | 15\ni) Loss of Speech | 50 ... j) Loss of four fingers and thumb of one hand | 40\nk) Loss of four fingers | 35\nl) Loss of thumb-both phalanges | 25\nm) Loss of thumb-one phalanx | 10 ... r) Loss of Metacarpals\nOptional Covers: (applicable only to Comprehensive Policy and on receipt of additional premium specifically shown under the Schedule): ... i) First or second (additional) | 3\nii) Third, fourth or fifth (additional) | 2 ... s) Any other permanent partial disablement | % as assessed by Medical Practitioner appointed by us","sources":[{"clause":"29","heading":"Prospectus","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"quote-verified","value":"Temporary Total Disablement pays 1% of C.S.I or Rs.5,000/- per week, whichever is lower, for a maximum of 104 weeks.","display":"1% of C.S.I or Rs.5,000/- per week, whichever is lower, for 104 weeks max.","note":"Temporary Total Disability is included under Comprehensive Cover.","quote":"4. Temporary Total disablement benefit at the rate per week. | 1% of C.S.I or Rs.5,000/- whichever is lower for 104 weeks max.","sources":[{"clause":"29","heading":"Prospectus","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"Accident medical expenses are covered only if the Medical Expenses Extension is bought under the Comprehensive Policy. Under that extension, compensation is restricted to 10% of Capital Sum Insured, 40% of the Personal Accident Claim, or actual medical expenses, whichever is less.","display":"Only optional Medical Expenses Extension: 10% of CSI or 40% of Personal Accident Claim or actual medical expenses, whichever is less","note":"Optional covers are not part of the base answer unless purchased.","quote":"Optional Covers: (applicable only to Comprehensive Policy and on receipt of additional premium specifically shown under the Schedule):\nA) Medical Expenses Extension: In consideration of payment of additional premium as shown in the Schedule, the Policy is extended to cover the medical expenses reasonably and necessarily incurred by you towards medical expenses as a result of an accident resulting in the bodily injury, death or disablement. The compensation under this extension is restricted to 10% of Capital Sum Insured or 40% of Personal Accident Claim or actual medical expenses whichever is less.","sources":[{"clause":"29","heading":"Prospectus","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"Premium/rating depends on occupation category: Normal, Heavy and Very Heavy. Comprehensive cover is marked 'Not to be covered' for Very Heavy occupations, and a change to a higher or lower risk classification during the policy changes premium on a pro-rata basis.","display":"Rating categories Normal, Heavy and Very Heavy; Comprehensive Very Heavy not covered; occupation change can change premium","note":null,"quote":"Nature of Cover | Category-Normal | Category-Heavy | Category-Very Heavy ... Comprehensive | <25 | 1.47%o | 2.05%o | Not to be covered ... In case Your occupation (as declared in the proposal form) is changed during the currency of the policy resulting in higher Risk Classification, We will collect additional premium on pro-rata basis for the unexpired period by passing an endorsement to this effect. However, if any such change is resulting in lower Risk Classification, We will make refund of premium to You for the unexpired period","sources":[{"clause":null,"heading":"RATING STRUCTURE","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12356#c-rating-structure"},{"clause":"29(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357#c-29-iii"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings – Individual Personal Accident (w.e.f. 1st Oct, 2024)","pages":11,"fetched_at":"2026-10-17 19:47:22+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571084/Policy+Wordings+%E2%80%93+Individual+Personal+Accident+%28w.e.f.+1st+Oct%2C+2024%29.pdf/c1a7acf3-8c85-802c-9fe0-3359bb3a945c?t=1779702753581","url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12357"},{"kind":"wording","label":"Policy Wordings – Individual Personal Accident (effective till 30th Sep, 2024)","pages":12,"fetched_at":"2026-10-17 19:47:31+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Policy+Wordings+%E2%80%93+Individual+Personal+Accident.pdf/ea51c61b-3a94-f77d-7db2-f65497b011bb?t=1789044339222","url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12365"},{"kind":"wording","label":"Policy Wordings – Individual Personal Accident (effective till 30th Aug, 2024)","pages":11,"fetched_at":"2026-10-17 19:47:39+00","source_url":"https://www.magmainsurance.com/documents/5553002/16463664/Policy+Wordings+-+Individual+Personal+Accident.pdf/67696939-0604-4353-851e-d804b863c8cb?t=1789042462347","url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12367"},{"kind":"wording","label":"Individual Personal Accident Policy (IRDAI copy)","pages":10,"fetched_at":"2026-10-20 02:18:16+00","source_url":"https://irdai.gov.in/documents/37343/931203/Individual+Personal+Accident+Policy_2014-02-12.pdf/193cd2ab-0a29-2056-9d64-82824ab0c60e?version=1.1&t=1668236921679&download=true","url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/27915"},{"kind":"prospectus","label":"Prospectus – Individual Personal Accident (w.e.f. 1st Oct, 2024)","pages":12,"fetched_at":"2026-10-17 19:47:16+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571084/Prospectus+%E2%80%93+Individual+Personal+Accident+%28w.e.f.+1st+Oct%2C+2024%29.pdf/d0f17e14-6572-aab9-0b4e-5dd296f2d729?t=1789043106484","url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12356"},{"kind":"prospectus","label":"Prospectus – Individual Personal Accident (effective till 30th Aug, 2024)","pages":7,"fetched_at":"2026-10-17 19:47:25+00","source_url":"https://www.magmainsurance.com/documents/5553002/16463664/Prospectus+-+Individual+Personal+Accident.pdf/a2003753-5bf5-1424-405d-dc1de354879a?t=1789042461341","url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12360"},{"kind":"prospectus","label":"Prospectus – Individual Personal Accident (effective till 30th Sep, 2024)","pages":7,"fetched_at":"2026-10-17 19:47:33+00","source_url":"https://www.magmainsurance.com/documents/5553002/5570985/Prospectus+%E2%80%93+Individual+Personal+Accident+%28w.e.f.31st+Aug%2C2024%29.pdf/3aa74d2b-e154-8e5d-efa8-5b77e53348f6?t=1789042882246","url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12363"},{"kind":"cis","label":"Customer Information Sheet – Individual Personal Accident (w.e.f. 1st Oct, 2024)","pages":5,"fetched_at":"2026-10-17 19:51:12+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571084/Customer+Information+Sheet+%E2%80%93+Individual+Personal+Accident+%28w.e.f.+1st+Oct%2C+2024%29.pdf/1724b45b-f7b4-7163-089f-7c47dca0845a?t=1789043105992","url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12441"},{"kind":"cis","label":"Customer Information Sheet – Individual Personal Accident (effective till 30th Sep, 2024)","pages":6,"fetched_at":"2026-10-17 19:51:17+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Customer+Information+Sheet+%E2%80%93+Individual+Personal+Accident.pdf/3d7c899c-3174-9b83-3ad5-20ada407f7cd?t=1789044344180","url":"https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314/document/12445"}],"versions":[{"uin":"IRDA/NL-HLT/MHDIGI/P-P/V.I/274/13-14","version":null,"approved_on":null},{"uin":"MAGPAIP14001V011314","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":"Individual Personal Accident (UIN MAGPAIP14001V011314), IndiaInsurances, https://indiainsurances.com/policy/magma-general-insurance/individual-personal-accident-magpaip14001v011314"}