Brief description of damages*
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*Please note: If you have checked the box, you will receive calls from Magma even
if you are on the DNC list.
Insurance is a hedge against the occurrence of unforeseen
incidents. Insurance products help you in not only mitigating risks
but also helps you by providing a financial cushion against adverse
financial burdens suffered.
Accidents... illness... fire... financial securities are the
things you'd like to worry about any time. General Insurance
provides you the much-needed protection against such unforeseen
events. Unlike Life Insurance, General Insurance is not meant to
offer returns but is a protection against contingencies. Under
certain Acts of Parliament, some types of insurance like Motor
Insurance and Public Liability Insurance have been made
It is very important to have adequate amount of coverage for
each insurance policy. For any asset or property insurance, the
value of the asset based on market value or reinstatement value
should be taken into consideration before deciding Sum Insured. If
the Sum Insured is not adequate, the percentage representing the
uncovered portion of the asset is to be borne by the insured.
Almost everything that has a financial value in your life and
has a probability of getting lost, stolen or damaged can be covered
through insurance. Property (both movable and immovable), vehicle,
cash, household goods, health, dishonesty and also your liability
towards others can be covered.
Accidents and mishaps can occur anytime and anywhere. It is
important to identify the risks faced and insure oneself against
these at the earliest.
Premium is the fixed amount of sum paid over the period by the
insured to the insurance company to take insurance policy and to
complete the contract of insurance.
Insurance is a contract between the insured and the insurer. The
proposal form is the basis of contract and it contains all the
required information for the preparation of the policy. which is a
It is the consideration of material fact to assess the risk and
to take the decision whether to accept the risk for insurance
contract and if so at what rate of premium.
The amount, which the insured has to bear in all cases and this
amount, is first deducted from the total assessed payable claims
amount before determining the insurance company's liability.
It is an arrangement by which insurance companies spread their
risk with other underwriters or reinsurance companies.
Magma HDI General Insurance Co. Ltd. All Rights Reserved.
IRDAI Reg. No. 149 dated 22nd May, 2012. CIN: U66000WB2009PLC136327
Insurance is the subject matter of solicitation.
Images used on this website and the models photographed in them
are for representative purposes
only and are not indicative of anyone's personal thoughts or ideas
Magma and HDI names and logos are trade names/marks of Magma
Fincorp Ltd., and HDI Global SE
and are being used by Magma HDI General Insurance Co. Ltd., under
agreement with owners of such trade names/marks.
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