Proportional apportionment of an insured loss by two or more Insurers in the ratio of their individual Policy limits to the total of all Policy limits. For example, if Insurer A has a Rs. 2,00,000 Policy for a particular loss, and Insurer B has a Rs. 3,00,000 Policy for the same loss (a total of Rs. 5,00,000 coverage), Insurer A pays 2/5 of the loss, and Insurer B pays 3/5 of that loss, with neither paying more than the amount of its Policy.