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Most Popular Policies of Universal Sompo Health Insurance

  • Universal Sompo Individual Health Insurance Plan
    This individual health plan offers complete financial protection to policyholders.
    Key features of Individual Health Insurance Plan
    • Add-on cover available
    • coverage for critical illnesses with add-on cover
    • In-house claim-settlement
    • Entry-age up to 55 years
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  • Universal Sompo Private Car Insurance Plan
    This comprehensive plan offers coverage against personal accident of the policyholder, damage of his and her car and third party liabilities.
    Key features of Private Car Insurance Plan
    • Liability to paid driver or any workman
    • Availability of add-on covers
    • Coverage against accessories loss
    • Personal accident coverage for passengers
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  • Universal Sompo Senior Citizen Health Insurance Policy
    This health plan is designed to cover the treatment expenses of people over 60 years of age.
    Key features of Senior Citizen Health Insurance Policy
    • Domiciliary Hospitalization expenses covered
    • Daily cash allowance available
    • Accompanying persons' expenses are covered
    • Free health check-up in every 3 years
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  • Universal Sompo Hospital Cash Insurance Policy
    This health cover offers daily cash allowance for normal hospitalization.
    Key features of Hospital Cash Insurance Policy
    • Lifetime renewal option available
    • Hospital Confinement Benefit is available
    • Intensive Care expenses are covered
    • Availability of Convalescence Benefit
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Universal Sompo Two Wheeler Insurance Policy

Two wheeler are the most preferred choice as a mode of personal transportation as they are cheaper than four wheeler and most importantly do not have a very high maintenance or depreciation cost. Any two wheeler insurance policy covers two wheelers used for personal, social, domestic, as well as professional purposes, but does not cover vehicles used for racing, reliability trial, pace making and speed testing. Vehicles used as carriages (except for carrying samples) are also not covered. The same holds true for Universal Sompo Two Wheeler Insurance Policy and now we would see in details as what this policy has to offer.

Key Benefits of the Policy

The Universal Sompo Two Wheeler Insurance Policy covers damage or loss of the vehicle arising due to any of the following:

  • Fire explosion
  • Lightening
  • Self ignition
  • Burglary or theft
  • Terrorism, riot, strike or due to any other malicious act
  • Earthquake, flood or any other natural calamities, including landslides, mudslides etc.
  • External accidental means
  • Air / rail / road / inland waterway transit etc.

The policy also covers any personal damage or property damage of the third party due to your two wheeler arising out of any accident where your vehicle is involved. This is something that is mandatory. All two wheeler vehicle owners need to invest in third party insurance under the Motor Vehicle Act.


Universal Sompo Two Wheeler Insurance


also provides cover for Personal Accident for the owner driver.

Extensions offered

Apart from what is mentioned above, the Universal Sompo Two Wheeler Insurance Policy also covers the cost for the following:

  • Loss of any accessories viz. electronic or electrical
  • Legal liability to any workman, cleaner or driver
  • Personal accident coverage to pillion riders

What are the add-ons for this policy?

There are add-on covers available with the Universal Sompo Two Wheeler Insurance Policy and that includes the following:

Nil Depreciation Cover:

This covers the repair and replacement cost of vehicle parts and you do not need to pay anything. You need to pay little extra over the IDV value at the time of the insurance purchases.

Return to Invoice:

This is a low cost way of protecting your two-wheeler and this depends on the depreciation value of your vehicle.

Daily Cash Allowance:

Here the insurance company pays you if your two wheeler ends up getting laid up in a service station or garage and that should be more than 3 days.

There are many such add-ons that you can opt for with the Universal Sompo Two Wheeler Insurance Policy like loss of driving license, Winder PA Benefit, Cost of Consumables, Hospital Daily Cash, Accidental Hospitalization cover for the family and many more.
Important Salient Features

To sum up, one can expect the following with the

Universal Sompo Two Wheeler Insurance Policy:

  • The policy offer discounts when it comes to opting for higher voluntary excess
  • The policy also offers discount when it comes to provision for any anti-theft device that has been installed in your vehicle for one that is approved.
  • The policy offers concession for any modification made in the vehicle for handicapped, mentally challenged and blind persons

Major Exclusions of Universal Sompo Two Wheeler Insurance Policy

Do not expect the following from this two wheeler insurance policy:

  • No accident cost is covered if the accident takes place outside the geographical area
  • Normal wear and tear and consequential loss
  • Accidents or damage done when driving under the influence of alcohol or drugs or driving without a valid license
  • Driving the vehicle not as per ‘Limitation as to use” that has been mentioned under the policy.