{"uin":"MAGPAIP25036V012425","name":"OneProtect","url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425","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":null,"withdrawn_on":null,"summary":"OneProtect is a personal accident policy with Secure, Support Plus and Shield variants and sum insured options from 2.5L to 10Crs. It covers accidental death, disability and selected accident-related expenses, with optional covers such as coma, burns, broken bones, income loss, loan secure and air ambulance.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:51:53.932277+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":["Secure","Support Plus","Shield"],"display":"Secure; Support Plus; Shield","note":null,"quote":"Secure | Support Plus | Shield","sources":[{"clause":null,"heading":"Benefit Construct","page":48,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-benefit-construct"}],"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 1 year, 2 years or 3 years.","display":"1 year or 2 years or 3 years","note":null,"quote":"The Policy will be issued for 1 year or 2 years or 3 years period.","sources":[{"clause":null,"heading":"Policy Period","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12440#c-policy-period"}],"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":"Notify the insurer immediately if any injury or condition happens which may give rise to a claim. The claim form with documents must be submitted not later than 30 days from discharge from hospital.","display":"Notify immediately; submit claim documents within 30 days from discharge","note":null,"quote":"If any injury is suffered or any condition happens which may give rise to Claim under this Policy, Insured person or any one acting on his behalf shall notify Us immediately. ... The claim form along with the attending Medical Practitioner’s certificate duly filled and signed in all respects with the following claim documents will be submitted to Us not later than 30 days from the date of discharge from the Hospital.","sources":[{"clause":null,"heading":"C Other Terms and Clauses","page":35,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-c-other-terms-and-clauses"}],"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","Death Certificate","Investigation reports along with original bills","FIR Copy, Postmortem Copy","ID proof of Insured and Nominee","PAN card/ Form 97, CKYC form and Address proof of Nominee","Cancel Cheque copy with Name printed","Discharge Summary","Hospital Bill and Payment receipts","Medical bills and Investigation reports and bills","NEFT details","Any other documents as requested by our claims team"],"display":"Claim form, death certificate, investigation reports/bills, FIR/postmortem copy, ID/KYC, cancelled cheque, discharge summary, hospital and medical bills, NEFT details, and any other requested documents","note":"Documents vary by benefit.","quote":"Accident Death | • Claim form • Death Certificate • Investigation reports along with original bills • FIR Copy, Postmortem Copy • ID proof of Insured and Nominee • PAN card/ Form 97, CKYC form and Address proof of Nominee • Cancel Cheque copy with Name printed ... Accidental Hospitalization Expenses (Medex) | • Claim form • Discharge Summary • Hospital Bill and Payment receipts, • Medical bills and Investigation reports and bills. • FIR Copy • ID proof of Insured and Nominee • PAN card/ Form 97, CKYC form and Address proof of Nominee • NEFT details • Any other documents as requested by our claims team","sources":[{"clause":null,"heading":"Claim Documents","page":45,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-claim-documents"}],"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":"quote-verified","value":"The company shall settle or reject a claim within 15 days from the date of intimation along with requisite documents. Delay beyond 15 days attracts interest at 2% above the bank rate from that date until payment.","display":"Within 15 days from intimation with requisite documents","note":null,"quote":"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). ... ln case of delay beyond stipulated 15 days, the Company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate from the date of intimation (along with the requisite documents) till the date of payment.","sources":[{"clause":"4(b)(vii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-4-b-vii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Injury or treatment related to addictive conditions and disorders resulting from any kind of substance abuse or misuse including alcohol abuse or misuse.","Participation in Adventure Sports.","Insured person committing any breach of law with criminal intent or participation in any riots, civil commotion, or felony.","Any intentional self-injury, suicide or attempted suicide, insanity, or stress","Congenital Anomaly whether Internal Congenital Anomaly or External Congenital Anomaly, congenital internal or external diseases, defects or in consequence thereof.","Bacterial infections (except pyogenic infection which occurs through a cut or wound due to Accident).","Condition resulting due to any disease or infection unless arising directly and solely due to accident","Any change of profession after inception of policy which results in increase in risk, unless declared by insured person and accepted & endorsed by Us.","Medical or Surgical Procedure except as necessarily required, solely and directly as a result of an Accident","Any sexually transmitted disease","Related to or traceable to Pregnancy or childbirth","War or war like operations, Civil War, invasion, act of foreign enemies, revolution, insurrection, mutiny, terrorism, military or usurped power, seizure, capture, arrest, restraint, or detainment, confiscation, or nationalisation or requisition by or under the order of any government or public authority.","Radioactive, chemical, nuclear contamination, or ionizing radiation","Existing diseases disclosed by the Insured Person provided the same is applied at the underwriting and consented by You/ Insured Person."],"display":"Substance abuse, adventure sports, criminal acts/riots, self-injury/suicide, congenital anomalies, bacterial infections, disease/infection not solely due to accident, undeclared higher-risk profession changes, non-accident medical or surgical procedures, STDs, pregnancy/childbirth, war/terrorism, radiation/nuclear/chemical contamination, and disclosed existing diseases if applied at underwriting","note":null,"quote":"• Injury or treatment related to addictive conditions and disorders resulting from any kind of substance abuse or misuse including alcohol abuse or misuse.\n• Participation in Adventure Sports.\n• Insured person committing any breach of law with criminal intent or participation in any riots, civil commotion, or felony.\n• Any intentional self-injury, suicide or attempted suicide, insanity, or stress\n• Congenital Anomaly whether Internal Congenital Anomaly or External Congenital Anomaly, congenital internal or external diseases, defects or in consequence thereof.\n• Bacterial infections (except pyogenic infection which occurs through a cut or wound due to Accident).\n• Condition resulting due to any disease or infection unless arising directly and solely due to accident\n• Any change of profession after inception of policy which results in increase in risk, unless declared by insured person and accepted & endorsed by Us. ... • Medical or Surgical Procedure except as necessarily required, solely and directly as a result of an Accident\n• Any sexually transmitted disease\n• Related to or traceable to Pregnancy or childbirth ... • War or war like operations, Civil War, invasion, act of foreign enemies, revolution, insurrection, mutiny, terrorism, military or usurped power, seizure, capture, arrest, restraint, or detainment, confiscation, or nationalisation or requisition by or under the order of any government or public authority. ... • Radioactive, chemical, nuclear contamination, or ionizing radiation ... • Existing diseases disclosed by the Insured Person provided the same is applied at the underwriting and consented by You/ Insured Person.","sources":[{"clause":null,"heading":"Specific Exclusions","page":27,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-specific-exclusions"}],"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 Magma General Insurance through the website, toll-free number, customer care email, senior-citizen contacts, branch GRO or branch/corporate office. If not satisfied, contact the grievance officer at Magma General Insurance Ltd, Equinox Business Park, Tower 3, Ambedkar Nagar, 2nd Floor, Unit no. 1A and 1B, LBS Marg, Kurla West, Mumbai, Maharashtra 400070, email gro@magmainsurance.com.","display":"Company website/toll-free/email/branch GRO first, then grievance officer at gro@magmainsurance.com","note":null,"quote":"In case of any grievance including senior citizen, the insured person may contact the Company through Website: www.magmainsurance.com Toll free: 1800 266 3202 Email address: customercare@magmainsurance.com. For senior citizens Email address - namaskar@magmainsurance.com Dedicated helpline exclusively for senior citizens - 022-62605766 Customer can also reach out to Branch GRO Email address: customercare@magmainsurance.com Courier: Any of Our branch offices or corporate office during business hours Insured person may also approach the grievance cell at any of the company’s branches with the details of grievance. If Insured Person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at:\nMagma General Insurance Ltd Equinox Business Park, Tower 3, Ambedkar Nagar 2nd Floor, Unit no. 1A and 1B, LBS Marg, Kurla West, Mumbai, Maharashtra 400070. E mail id-: gro@magmainsurance.com","sources":[{"clause":"4(b)(vii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-4-b-vii"}],"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":"2.5L, 5L, 10L, 15L, 20L, 25L, 30L, 40L, 50L, 75L, and 1 Cr. onwards in multiples of 25L until 10Crs.","display":"2.5L to 10Crs","note":"The same sum insured range is shown for Secure, Support Plus and Shield.","quote":"Sum Insured | 2.5L, 5L, 10L, 15L, 20L, 25L, 30L, 40L, 50L, 75L, 1 Cr. onwards multiples of 25L until 10Crs","sources":[{"clause":null,"heading":"Benefit Construct","page":48,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-benefit-construct"}],"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 product and does not provide general illness cover with an initial illness waiting period.","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 product does not cover pre-existing diseases after a waiting period; accident cover applies subject to exclusions.","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 personal accident product has no illness/procedure waiting-period list.","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":"This personal accident product has no illness/procedure waiting-period list.","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":"For enhanced sum insured, the sixty continuous months applies from the date of enhancement 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(b)(ii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-4-b-ii"}],"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 can port the entire policy to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal date, and accrued continuity benefits in waiting periods are available as per IRDAI guidelines.","display":"Allowed; apply at least 30 days before but not earlier than 60 days from renewal","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 30 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(b)(x)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-4-b-x"}],"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":null,"quote":"• There is no maximum age of entry and cover ceasing age under this policy for renewals.\n• The policy will be issued for a period 1/2/3 years.\n• The policy offers coverage on individual basis\n• Your employer can also be the Proposer (Policyholder).\n• Lifetime renewability.","sources":[{"clause":null,"heading":"Eligibility","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12440#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 on the basis of individual claim experience.","display":"No loading at renewal for 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":"4(d)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-4-d-3"}],"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":["Injury or treatment related to addictive conditions and disorders resulting from any kind of substance abuse or misuse including alcohol abuse or misuse.","Participation in Adventure Sports.","Insured person committing any breach of law with criminal intent or participation in any riots, civil commotion, or felony.","Any intentional self-injury, suicide or attempted suicide, insanity, or stress","Congenital Anomaly whether Internal Congenital Anomaly or External Congenital Anomaly, congenital internal or external diseases, defects or in consequence thereof.","Bacterial infections (except pyogenic infection which occurs through a cut or wound due to Accident).","Condition resulting due to any disease or infection unless arising directly and solely due to accident","Medical or Surgical Procedure except as necessarily required, solely and directly as a result of an Accident","Any sexually transmitted disease","Related to or traceable to Pregnancy or childbirth","Any act of Nuclear, Chemical, Biological Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss","Radioactive, chemical, nuclear contamination, or ionizing radiation","Any insured person’s participation or involvement in any branch of naval, air force or military operations or any paramilitary forces.","Existing diseases disclosed by the Insured Person provided the same is applied at the underwriting and consented by You/ Insured Person."],"display":"Accident policy exclusions include substance abuse, adventure sports, criminal acts, self-injury/suicide, congenital anomalies, bacterial infections, disease/infection not solely due to accident, non-accident medical or surgical procedures, STDs, pregnancy/childbirth, nuclear/chemical/biological terrorism, radiation/nuclear/chemical contamination, military/paramilitary operations, and disclosed existing diseases applied at underwriting","note":"The optional Adventure Sports covers say the permanent exclusion ‘Participation in Adventure Sports’ is not applicable for those benefits.","quote":"• Injury or treatment related to addictive conditions and disorders resulting from any kind of substance abuse or misuse including alcohol abuse or misuse.\n• Participation in Adventure Sports.\n• Insured person committing any breach of law with criminal intent or participation in any riots, civil commotion, or felony.\n• Any intentional self-injury, suicide or attempted suicide, insanity, or stress\n• Congenital Anomaly whether Internal Congenital Anomaly or External Congenital Anomaly, congenital internal or external diseases, defects or in consequence thereof.\n• Bacterial infections (except pyogenic infection which occurs through a cut or wound due to Accident).\n• Condition resulting due to any disease or infection unless arising directly and solely due to accident ... • Medical or Surgical Procedure except as necessarily required, solely and directly as a result of an Accident\n• Any sexually transmitted disease\n• Related to or traceable to Pregnancy or childbirth ... • Any act of Nuclear, Chemical, Biological Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss\n• Radioactive, chemical, nuclear contamination, or ionizing radiation\n• Any insured person’s participation or involvement in any branch of naval, air force or military operations or any paramilitary forces. ... • Existing diseases disclosed by the Insured Person provided the same is applied at the underwriting and consented by You/ Insured Person.","sources":[{"clause":null,"heading":"Specific Exclusions","page":27,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-specific-exclusions"}],"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 notice. For terms up to one year, the insurer refunds proportionate premium for the unexpired policy period if no claims were made; for terms over 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; unexpired years refund for terms over 1 year where risk has not commenced","note":"If the company cancels for established fraud, there is no refund.","quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. ... refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... 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(d)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-4-d"},{"clause":"4(a)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-4-a-2"},{"clause":"4(b)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-4-b-2"}],"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 or occurrences anywhere in the world unless limited by endorsement or by a cover description. Modification of Residence/Vehicle expenses are payable only for modifications performed in India.","display":"Anywhere in the world unless limited; Modification of Residence/Vehicle only in India","note":"Base Accidental Hospitalization Expenses (Medex) requires Treatment in India; optional Global Medex covers medical expenses incurred anywhere in world.","quote":"This Policy applies to events or occurrences taking place anywhere in the world unless limited by Us in a through an endorsement or if mentioned in the cover description. The benefit towards Modification of Residence/ Vehicle expenses shall be payable only upon modification performed in India. ... iii) Treatment in India ... Accidental Hospitalization Expenses (Medex) - Global On availing this option, We will pay Medical Expenses under Accidental Hospitalization Expenses (Medex) section, incurred anywhere in world as mentioned in policy schedule.","sources":[{"clause":null,"heading":"B Specific Terms and Clauses","page":33,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-b-specific-terms-and-clauses"},{"clause":null,"heading":"Accidental Hospitalization Expenses (Medex)","page":18,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-accidental-hospitalization-expenses-medex"},{"clause":null,"heading":"Temporary Total Disability","page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-temporary-total-disability"}],"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, 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(b)(vii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-4-b-vii"}],"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 30-day value is for modes other than monthly; monthly premium mode has fifteen days.","quote":"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":null,"heading":"Grace period","page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-grace-period"}],"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":"Entry age is 18 years onwards. Dependent children between 6 months and 5 years can be insured if either parent is insured, and there is no maximum age of entry or cover ceasing age for renewals.","display":"18 years onwards; dependent children 6 months to 5 years if either parent is insured; no maximum entry age","note":null,"quote":"• This policy covers persons in the age group 18 years onwards (Dependent children between 6 months and 5 years can be insured if either parent is insured).\n• There is no maximum age of entry and cover ceasing age under this policy for renewals.","sources":[{"clause":null,"heading":"Eligibility","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12440#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":["single mode","monthly","quarterly","half yearly"],"display":"Single mode, monthly, quarterly or half yearly","note":null,"quote":"Payment of premiums will be available in single mode or instalment options of monthly/ quarterly/ half yearly as agreed with the Policyholder.","sources":[{"clause":"4(d)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-4-d-3"}],"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":["Coma Benefit","Burns","Broken Bones","Temporary Total Disability","Accidental Hospitalization Expenses (Global)","Accident Insurance Renewal Premium","Chauffeur Benefit","Parental Care Benefit","Purchase of Blood","Family Transportation","Modification of Residence/Vehicle","Adventure Sports – Accidental Death","Adventure Sports - Accidental Death C Permanent Total Disability (PTD)","Emergency Air Ambulance Charges","Loan Secure","Transportation of Imported Medicine","Marriage fund for Children","Convalescence Benefit","Loss of Income","Widowhood Cover","Child Education","Enhanced Temporary Total Disability","Enhanced Loss of Income"],"display":"Coma Benefit, Burns, Broken Bones, Temporary Total Disability, Accidental Hospitalization Expenses (Global), Accident Insurance Renewal Premium, Chauffeur Benefit, Parental Care Benefit, Purchase of Blood, Family Transportation, Modification of Residence/Vehicle, Adventure Sports, Emergency Air Ambulance Charges, Loan Secure, Transportation of Imported Medicine, Marriage fund for Children, Convalescence Benefit, Loss of Income, Widowhood Cover, Child Education, Enhanced Temporary Total Disability and Enhanced Loss of Income","note":"The policy schedule specifies which optional covers are in force.","quote":"Optional Covers\nComa Benefit | 10% of the Sum Insured upto Rs 5lakh whichever is lower ... Burns | % specified in the policy document subject to maximum Rs 10 Lakh ... Broken Bones | % specified in the policy document subject to maximum Rs 10 Lakh ... Temporary Total Disability | 1% of Sum Insured or Rs 50,000 per week whichever is lower upto 104 weeks ... Accidental Hospitalization Expenses (Global) | Upto 30% of Sum Insured or Rs 10Lakh or actual whichever is lower ... Accident Insurance Renewal Premium | Renewal premium payable for other dependants covered under this policy if claim under Accidental Death is accepted; For Sum Insured Rs 5Lakh ... Chauffeur Benefit | Upto 1% of Sum Insured or Rs5,000 per day whichever is lower upto 10 days ... Parental Care Benefit | 10% of Sum Insured or maximum Rs10 Lakh per policy for maximum 2 parents whichever is lower ... Purchase of Blood | Actuals or maximum Rs 5,000 whichever is lower ... Family Transportation | Actuals or maximum Rs 50,000 whichever is lower ... Modification of Residence/Vehicle | Actuals or maximum Rs 2.5 Lakh whichever is lower ... Adventure Sports – Accidental Death | 100% Sum Insured ... Adventure Sports - Accidental Death C Permanent Total Disability (PTD) | 100% Sum Insured - Risk AD C PTD ... Emergency Air Ambulance Charges | Actuals or maximum Rs 5 Lakh whichever is lower ... Loan Secure | Up to 25% Sum Insured for outstanding loans (Additional Sum Insured) - Risk AD and PTD ... Transportation of Imported Medicine | Actuals or maximum Rs. 20,000 whichever is lower ... Marriage fund for Children | 10% of the Sum Insured subject to maximum Rs10 Lakh per policy whichever is lower. ... Convalescence Benefit | Lumpsum payment of Rs.50,000 if inpatient hospitalisation for accidental injuries exceeds 30 days; Rs1Lakh for 45 days C Rs2Lakh for 60 days ... Loss of Income | 0.5% of Sum Insured or maximum Rs 20,000 per week whichever is lower maximum upto 52 weeks ... Widowhood Cover | 10% of Sum Insured maximum Rs10Lakh per policy whichever is lower ... Child Education | 10% Sum Insured or actuals maximum Rs10Lakh per policy year for 4 consecutive Years for maximum 2 children. ... Enhanced Temporary Total Disability | 1% of Sum Insured or Rs 1,00,000 per week whichever is lower upto 104 weeks ... Enhanced Loss of Income | 0.5% of Sum Insured or Rs50,000 per week whichever is lower maximum upto 52 weeks","sources":[{"clause":null,"heading":"Benefit Construct","page":48,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-benefit-construct"}],"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 is available during the grace period if premium is paid in instalments during the policy period. Coverage is not available during the grace period after the end of the policy period for renewal.","display":"Available for instalment-premium grace period; not available during renewal grace period","note":null,"quote":"Coverage shall be available during the grace period, if the premium is paid in instalments during the policy period. ... At the end of the Policy Period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits with Break in Policy. Coverage is not available during the grace period.","sources":[{"clause":"4(b)(ii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-4-b-ii"},{"clause":"4(c)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487#c-4-c-2"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings – OneProtect (w.e.f. 1st Oct, 2024)","pages":51,"fetched_at":"2026-10-17 19:52:27+00","source_url":"https://www.magmainsurance.com/documents/5553002/5989125/Policy+Wordings+%E2%80%93+OneProtect+%28w.e.f.+1st+Oct%2C+2024%29.pdf/73dce6ab-b15c-ffc1-4464-58fc5a1449cd?t=1789042433013","url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12487"},{"kind":"wording","label":"Policy Wordings – OneProtect (effective till 30th Sep, 2024)","pages":31,"fetched_at":"2026-10-17 19:52:32+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Policy+Wordings+%E2%80%93+OneProtect.pdf/2a9c0b8d-f41d-030a-8792-2eaf4550e334?t=1735734420674","url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12489"},{"kind":"prospectus","label":"Prospectus – OneProtect (w.e.f. 1st Oct, 2024)","pages":40,"fetched_at":"2026-10-17 19:51:03+00","source_url":"https://www.magmainsurance.com/documents/5553002/5989125/Prospectus+%E2%80%93+OneProtect+%28w.e.f.+1st+Oct%2C+2024%29.pdf/f4812311-66d7-3007-fbf9-4a0a9251fbef?t=1789042433648","url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12440"},{"kind":"prospectus","label":"Prospectus – OneProtect (effective till 30th Sep, 2024)","pages":43,"fetched_at":"2026-10-17 19:51:10+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Prospectus+%E2%80%93+OneProtect.pdf/b4216da7-7980-3c47-2593-28343e6a7dbb?t=1789044418077","url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12442"},{"kind":"cis","label":"Customer Information Sheet – OneProtect (w.e.f. 1st Oct, 2024)","pages":11,"fetched_at":"2026-10-17 19:55:16+00","source_url":"https://www.magmainsurance.com/documents/5553002/5989125/Customer+Information+Sheet+%E2%80%93+OneProtect+%28w.e.f.+1st+Oct%2C+2024%29.pdf/69159a86-6d10-ffcd-b972-82954139e161?t=1789042432470","url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12563"},{"kind":"cis","label":"Customer Information Sheet - 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Tamil","pages":25,"fetched_at":"2026-10-17 19:55:37+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/Customer+Information+Sheet+%E2%80%93+OneProtect+%28w.e.f.+1st+Oct+2024%29-+Tamil.pdf/3a37fd36-0073-07ae-758f-ce231af6aa04?t=1789042536318","url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12573"},{"kind":"cis","label":"Customer Information Sheet - OneProtect - Malayalam","pages":10,"fetched_at":"2026-10-17 19:55:42+00","source_url":"https://www.magmainsurance.com/documents/5553002/20602633/CIS+%E2%80%93+OneProtect+-+Malayalam+-+2025.pdf/bbbcfac7-9075-3474-5635-9fc4e3b8e7b1?t=1765709986917","url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12577"},{"kind":"cis","label":"Customer Information Sheet – OneProtect (effective till 30th Sep, 2024)","pages":13,"fetched_at":"2026-10-17 19:55:47+00","source_url":"https://www.magmainsurance.com/documents/5553002/0/Customer+Information+Sheet+%E2%80%93+OneProtect.pdf/1af0a6ac-7e35-3836-4b3e-4d3a0e6321ff?t=1789044419352","url":"https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425/document/12579"}],"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":"OneProtect (UIN MAGPAIP25036V012425), IndiaInsurances, https://indiainsurances.com/policy/magma-general-insurance/oneprotect-magpaip25036v012425"}