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Non-Motor Insurance Claims

  •  Claims process 
  •  Steps to follow 
  •  Documents required 
  •  Loss Survey Limit for various LOB 

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Claims process

We at MHDI do our best to ensure that your hassles are minimised by keeping the claim process as simple as possible. Here's all that you need to know about our claims procedure for our non-motor policies.

Steps to follow

1
  • The claim can be intimated to the Call Centre on 1800 3002 3202
  • The claim can also be intimated  to the local MHDI Office
  • The claim can be intimated by the Insured/ Agent/Broker/ Insured's representatives.
  • Request you to provide the policy details while intimating the claim.
  • The date and time of loss, location and cause have to be provided at the time of claim intimation.
  • Request you to intimate the claims as far as possible through the Call Centre for better controls.
  • Provide the concerned person's contact details for status updating.

In case of Fire Accidents:

fire

  • Intimate to the Police
  • Do not disturb the loss scene before the police/survey inspection of the premises

In case of Theft/ Burglary claims:

theft

  • Intimate to the Fire Brigade
  • Intimate to the Police
  • Start loss minimisation steps and protect the property

In case of Act of God Claims:

god

  • Intimate to the local bodies
  • Intimate to the Police
  • Arrange the newspaper cuttings and metrological reports

In case of Marine claims:

marine

  • If any external damage to the packing observed insist for open delivery
  • Take the remarks of the carrier on the BL/LR/RR/AWB
  • Insist for the damage certificate from the carrier
  • Lodge a monetary claim on the carrier for any loss for which they are responsible
  • Take the photographs before opening the packing
2
  • All the claims on the valid policies will be registered by the Call Centre or concerned office and they will communicate the claim number to the insured/IMD
  • Concerned claims handler contact details will be provided to the insured/IMD for any status updates.
3
  • Based on the nature and extent of loss a suitable surveyor will be deputed within 24 hours.
  • Surveyor contact details will be communicated to the insured/IMD by MHDI office immediately.
4
  • Depending on the loss location and travel time the survey will be conducted within 24 hours subject to a maximum of 3 days for remote location where travel arrangements are not available.
  • Upon the completion of the initial survey the surveyor will guide the insured on Loss minimisation and segregation of stocks, if any.
5
  • After the completion of initial inspection the surveyor will communicate to the insured the List of Requirement (LOR) with a cc to MHDI.
  • Our Claim Forms also contain the list of documents required in general.
6
  • Upon the completion of the reinstatement and submission of all documents including the repair bills and payment receipts the surveyor will release his Final Survey Report within a week time.
7
  • Upon the receipt of the all documents from the insured the claim will be settled within the TAT mentioned below.
  • Claim Intimation: Any claim on non-motor policies has to be intimated to the insurance immediately.
  • Claim Registration: The claim will be registered if all the required information has been provided by the insured or his rep.(4 working hrs)
  • Survey Appointments: Surveyor will be deputed immediately subject to information available on the nature and the extent of loss.(24 hrs)
  • Survey: First inspection will be carried out on the same day if the loss is within the city limits and others will be based on the distance from the major towns.(24 hrs)
  • Claim Processing: Claim will be processed within 7 days after receipt of the survey report, documents and any clarifications from the insured.(7 working days  for below 10 lakh claims and 15 days for above limit claims)
  • Documentation: Documents list is provided with the Claim Form and the same have to be submitted.

Documents required

  • Document Name
  • Fire
  • Engg
  • Marine
  • Burglary
  • Personal Accident
  • Liability
  • Policy Copy
  • Claim Form duly filled and signed by the insured
  • Estimate of Loss
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  • Incident Report / Witness Report
  • Inventory Details
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  • Service Report by the Supplier /Manufacturer
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  • Invoice copies for the damaged items
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  • Present replacement value with quotation
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  • Repair bills with payment receipts
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  • Replacement bills with payment receipts
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  • Salvage quote
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  • FIR, if applicable
  • Fire Brigade Report, if applicable
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  • Metrological Report
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  • Stock Registers
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  • Claim Bill
  • Packing List
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  • Damage Certificate from Carrier
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  • Monetary Claim lodged on Carrier
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  • Letter of Subrogation & indemnity, wherever applicable
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  • Police Final Report
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  • Award/Legal Proceedings Against Insured
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  • LR/CN/AWB
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  • Medical Certificate/Disability Certificate
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  • Diagnosis Reports/Bills/Discharge Certificate
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  • Leave Certificate from Employer, if applicable
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  • Death Certificate/Post Mortem Report, where applicable
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Loss Survey Limit for various LOB.

    In compliance to IRDA's Circular No. 026/IRDA/SUR/CIR/DEC-08 dated 22/12/2008, IRDA/SUR/REG/ORD/071/04/2015 dt. 10/04/2015 and IRDA/SUR/MISC/CIR/180/09/2016 dated 07/09/2016, the Company's internal limits for allocation of surveys/loss assessment work i.e Loss survey limits for Categorized Surveyors are as under.
  • Line of business
  • Category
  • A (Fellow)
  • B (Associate)
  • C (Licentiate)
  • Fire
  • Unlimited
  • Up to Rs.25 Lakhs
  • Up to Rs.5 Lakhs
  • Marine Cargo
  • Unlimited
  • Up to Rs.15 Lakhs
  • Up to Rs.5 Lakhs
  • Marine Hull
  • Unlimited
  • Up to Rs.25 Lakhs
  • Up to Rs.7.5 Lakhs
  • Miscellaneous
  • Unlimited
  • Up to Rs.25 Lakhs
  • Up to Rs.10 Lakhs
  • Motor
  • Unlimited
  • Up to Rs.20 Lakhs
  • Up to Rs.10 Lakhs
  • Engineering
  • Unlimited
  • Up to Rs.30 Lakhs
  • Up to Rs.5 Lakhs
  • Loss of profit
  • Unlimited
  • Up to Rs.25 Lakhs
  • Nill

Note: The mentioned amounts are all upper limits and a surveyor with a highre category will be able to assess the losses of lower amounts The limits shall come into force with immediate effect and all are adivsed to make note the same for compliance

 
Customer Support: 1800-3002-3202 customercare@magma-hdi.co.in

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