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Learn About Claims

Insurance is built for moments when life takes an unexpected turn. When that moment comes, a clear and dependable claims process makes all the difference. At Magma General Insurance, our aim is to make the process simple to understand, transparent to follow, and supportive at every step. This page explains how claims work across Health, Motor and Non‑Motor policies.

Claim is easy at Magma General Insurance.

This section allows you to check the status of an already reported claim or register a new claim. For information about process, indicative document list and turnaround times, visit the relevant tab below and click + to view the information.

If you receive treatment at one of our network hospitals, the hospital can coordinate directly with the insurer so that you do not have to pay the admissible amount upfront.

Visit a network hospital and present your health card or valid identity proof.
Inform the hospital’s insurance or TPA desk about your policy.
The hospital sends a cashless authorization request to the TPA or insurer.
The request is reviewed based on your policy coverage and terms.
At the time of discharge, the hospital submits the final bill and medical details.
The admissible claim amount is settled directly with the hospital as per policy terms.

Claim form duly filled out and signed by the Insured.
All treatment papers of the current ailment and previous treatment papers, if any.
Original Discharge Card from the hospital.
Death summary in case of death of the Insured Person at the hospital.
All original medical investigation reports (e.g., X-ray, ECG, blood tests, etc.).
Original hospital bills and receipts.
Original bills from the chemist, doctor, and medical investigations, supported by the doctor’s prescription.
NEFT details and a personal cancelled cheque / passbook copy in the name of the proposer.
Valid photo ID proof and address proof of the patient.
For accident cases: MLC (Medico Legal Certificate) / FIR (First Information Report).
Copy of the latest valid address proof of the proposer (electricity bill, water bill, telephone bill, or updated bank statement) along with a copy of PAN Card and Aadhaar Card as per AML/KYC norms.
As per Aadhaar regulations, submit a copy of the masked Aadhaar Card, ensuring the first 8 digits are masked and only the last 4 digits are visible.

It is advisable to retain a copy of the documents submitted to your insurer for your future reference. The above list is indicative, and if any additional documents are required, our health claim team will contact you upon receipt of your claim documents.

TAT is defined as the time taken to deliver a job from inception to handover in the agreed format.

Initial cashless approval usually happens within 1 hour* and within 3 hours at the time of discharge.

* TAT is calculated from the submission of documents by the hospital.
Settlement of claim within 15 days from the date of intimation (along with the requisite documents).

Customers who don’t want to wait in lines, plan their treatment in advance, or manage to get treated at reputed hospitals through contacts can opt for this process. They can walk in and out of any accredited hospital after getting the treatment. Let’s have a quick glance.

Retail policyholders should call our toll-free number: 1800 266 3202.
Group policyholders should inform their respective TPA at the toll-free number mentioned on the e-card.
The insurer should be informed about the claim within 24 hours in case of emergency admission and 48 hours prior to hospitalization in case of planned admission.
The insured visits the hospital, undergoes treatment, pays the hospital directly, and collects all relevant documents after discharge.
Post discharge, the Insured submits the discharge card/summary along with final bill and medical documents to the TPA.
Claim is processed as per policy terms and conditions and settled to Insured.

Magma General Insurance Limited
(Claims Hub), Srinilaya Cyber Spazio Suite 101, 102, Ground Floor,
Road No. 2, Banjara Hills,
Hyderabad, Telangana – 500034

For group claims, all documents should be submitted to the respective address mentioned on the e-card.

Once we receive the claim documents, the claim will be processed as per the policy terms and conditions, and the same will be communicated to you.

Claim form duly filled out and signed by the Insured.
All treatment papers of the current ailment, including previous treatment papers, if any.
Original Discharge Card from the hospital.
Death summary in case of death of the Insured Person at the hospital.
All original medical investigation reports (e.g., X-ray, ECG, blood tests, etc.).
Original hospital bills and receipts.
Original bills from the chemist, medical practitioner (doctor), and medical investigations, supported by the doctor’s prescription.
NEFT details and a personalised cancelled cheque / passbook copy in the name of the proposer for electronic fund transfer.
Valid photo ID proof and address proof of the patient.
For accident cases: MLC (Medico Legal Certificate) / FIR (First Information Report).
Copy of the latest valid address proof of the proposer (electricity bill, water bill, telephone bill, or updated bank statement) along with a copy of PAN Card and Aadhaar Card as per AML/KYC norms.
As per Aadhaar regulations, submit a copy of the masked Aadhaar Card, ensuring the first 8 digits are masked and only the last 4 digits are visible.

Reimbursement claims TAT is within 15 days.
**Settlement of claim within 15 days from the date of intimation (along with the requisite documents).

In the event of an accident, damage or theft involving your vehicle, timely reporting helps the claims process move faster.

Any incident of loss, threat of loss, or damage to the vehicle should be brought to the notice of the insurer.
A reference number is assigned for the reported claim.
The claims team initiates the process, and surveyors are assigned if necessary.
The entire value chain works in tandem to repair and deliver the vehicle as per the claim process.

Accident Claims

Registration Certificate* of the vehicle.
Driving License* of the driver at the time of accident.
Police Panchanama / FIR, if the accident is reported to the police.
Original estimate of repairs.
KYC documents.
Fitness Certificate** of the vehicle.
Road permits** of the vehicle.
Goods Receipt** / Lorry Receipt** of the vehicle.
FIR is mandatory in case of Riots, Strike & Malicious Act.
Original repair invoice with payment receipt after repairs have been completed.

FIR copy.
RTO transfer papers* (Form 28, 29 and 30).
Form 35 / NOC signed by the financier, if applicable.
Letter of subrogation.
KYC documents.
NOC from financier if hypothecation exists.
Copy of intimation letter to RTO regarding the vehicle theft.
Original policy document.
Non-Traceable Certificate.
Original vehicle registration certificate.
All original keys of the vehicle / service book / original purchase invoice.

Note:

* Original documents to be shown when requested by the company.
** Applicable for commercial vehicles.

Additional documents required by us (if any) will be intimated to you as and when required.

Non-motor policies typically cover commercial assets, property, or specialised risks. Since each situation may involve different factors, claims are handled through a structured assessment process. These policies are often purchased through intermediaries who are equipped to help and guide the insured.

Report the incident or loss as soon as possible.
Share relevant details and supporting documents with the claims team.
A surveyor or assessor may be appointed depending on the nature of the claim.
The claim is reviewed in line with the policy terms and coverage.
Settlement is processed once documentation and assessment are completed.

You can also reach us at 1800 266 3202 for any assistance.

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