2. How can I intimate my claim after hospitalization?

Claim intimation can be done online through https://magmahealth.magma-hdi.co.in or by using our mobile app ‘Magma HDI’ which is available on Play store and App Store.

Further, the Insured is required to furnish/courier hard copies of all requisite claim documents at his/ her own expense to the TPA, details of which is provided in the Claim procedure section of your policy copy. Please call TPA call centre numbers mentioned on your e-cards or 1800 266 3202 for further details.

3. Are any waiting periods applicable to claims under COVID-19?

In case of hospitalization on account of COVID-19, the hospitalization expenses incurred will be covered provided the illness is contracted after completion of 30 days in case of a fresh policy. In case of a policy that has been renewed continuously without a break or in case of policies that have been ported in to Magma HDI, the 30 day condition will not be applicable.

4. Are the expenses towards COVID-19 vaccination covered?

The expenses towards vaccination are covered in case the policy has Outpatient Treatment Cover. Also, the vaccination taken should not be experimental and should be approved by appropriate authority.

5. Are the expenses on medicines and diagnostic tests incurred during medically advised home isolation due to COVID-19 covered?

In case your policy has an Outpatient Treatment Cover, then these expenses will be covered in accordance with the policy terms and conditions.

6. Will the policy cover expenses due to quarantine?

In case the quarantine is in a hospital and no active treatment is provided, then such expenses will only be covered if your policy covers Outpatient treatment.

7. Will the policy cover hospitalization in a country other than India?

No. The geographical scope of the policy is limited to India.

8. Will my travel history abroad affect the admissibility of claim under the policy?

Your travel history will not affect the admissibility of claim under the policy.

9. What are the expenses incurred for COVID-19 that will not be covered under my policy?

The non-payable expenses as listed by IRDAI will not be covered under your policy.

10. Will my family members be covered for expenses on account of COVID-19?

Yes, provided that they are covered under Health Insurance policy of Magma HDI.

11. Are the consultations with a Medical Practitioner and diagnostic tests in relation to COVID-19 covered under my Health Insurance policy?

In case your policy has an Outpatient Treatment Cover, then all consultations with a Medical Practitioner and diagnostic tests as advised by a Medical Practitioner are covered.

Further, in case there is hospitalization on account of COVID-19 and the same has been paid under the policy, then all expenses related to COVID-19 incurred on account of consultations with a Medical Practitioner and diagnostic tests as advised by a Medical Practitioner will be covered as per the pre and post limit specified in your policy.

12. What does "grace period for policy renewal" mean?

Grace period is the buffer time given to policyholders to renew their expired policy, without losing any continuity benefits. It is usually of 30 days, however, policyholders are encouraged to pay their premium as soon as possible. It is important to note that the insurer is NOT liable to pay any claims arising during the grace period.

13. The World Health Organization (WHO) declared on 12 March 2020 the current COVID-19 outbreak as a pandemic. Will medical insurance policies still provide coverage for COVID-19?

The existing policies covering hospitalisation will continue to cover corona virus related hospitalisation. For new policies there is a waiting period of 30 days.

14. Does my policy coverCovid-19 testing expenses even if I do not undergo hospitalization

Testing expenses are payable as pre hospitalization. If there is no hospitalization such expenses are not covered.

15. What happens if I cannot intimate my health claim as per the timelines stipulated in the policy?

You may use helpline or email for intimation of claims and submission of documents electronically or use customer portalsWe will be empathetic in case of genuine difficulties faced by clients

Motor Third Party Insurance

As per the directives of the IRDAI, It has been allowed to renew the policies falling due in lockdown period on or before 15.5.2020.

Motor OD

16. Can I get refund under my Motor Insurance premium/extend validity on pro-rata basis for the lock down period as the vehicles are not being used during the said period.

There is no such provision under motor policies.

House holder Insurance

17. Will my insurance cover the cost of a deep clean to my property should it be sealed due to contamination by COVID-19?

Magma HDI”s home insurance policy do not provide cover for the costs of cleaning a property.

18. I have been quarantined or am unable to travel from abroad and therefore my home may be left unoccupied. Will I be covered?

Yes the coverage will continue even in case of non-occupancy subject to intimation at the earliest opportunity available and production of adequate proof at the time of claim if any

SMEs and small shopkeepers Insurance

19. Is my risk covered under fire policy beyond 30 days as it remains unoccupied due to lockdown?

IThe cover under Fire and Special Perils policy SFSP has been extended upto 31.5.2020 without requirement of any notice from the insured. Our customers are required to follow the guidelines given below

20. If the premise is unoccupied for more than 7 days will the burglary cover be available?

We are determined to help our customers and observing the situation carefully. Each case will be actioned on its own merit and we request customers needing any assistance to contact us through tele and digital means