In August 2003, I purchased a home jointly with my wife. However, I am the sole contributor to the amount paid for the flat. Additionally, I have taken a home insurance policy from Bajaj Allianz, where I am the proposer, providing coverage for the market value of the home in case of complete destruction due to a natural calamity. In the event of such a tragedy, will the insurance claim amount be paid entirely to me, the proposer, or will it be split equally between me and my wife?
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