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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 Individual Personal Accident Policy

As the name indicates, Universal Sompo Individual Personal Accident Policy renders mitigation against the financial consequences due to unforeseen accidents. It offers the defined benefits on the basis of the nature of injury, acquired by the insured person in an unforeseen accident within the policy time frame.

Eligibility

Universal Sompo Individual Personal Accident Policy has certain terms for eligibility, and here are the eligibility details:

  • The enrollment under this policy can be started from 5 years old. The maximum age for enrollment is 65 years. With 20% loading on premium, fresh proposals for persons above 65 years till 75 years can be accepted.
  • There is no provision for fresh proposal beyond the age of 75 years under this policy.
  • Prosper should be aged at least 18 years.
  • Under this policy, there is no maximum renewal age provision available.

Compensation Benefits

Under Universal Sompo Individual Personal Accident Policy, the compensation benefit depends upon the nature of injury that takes place due to the accident and the insured capital sum under this policy. So, here are the benefits at a glance:

  • Compensation equivalent to full insured capital sum will be provided, if accident results in death or permanent total disablement for the insured person.
  • If accident results into partial disablement, compensation will vary according to the nature of injury or disablement.
  • In case of total temporary disablement, the policy offers compensation at 1% of capital sum or Rs. 5000. Basically, the minimum sum, calculated as per week for a maximum period of 104 weeks, is offered to the insured person.

Additional Benefits

The additional benefits of

Universal Sompo Individual Personal Accident Policy

are explained in the following table:

Benefits

Sum Offered

Transportation Cost

: The cost of carrying dead body to home and funeral charges.

Either 1% of the capital sum insured or Rs. 2500 (whichever is lower).

Clothing Cost

: Cost of the damaged clothing due to the accident.

Maximum Rs. 1000 is assured.

Cost of Ambulance:

Cost of the transporting the person to hospital from the place of accident.

Maximum Rs. 1000 is assured.

Education Fund:

In case of death or permanent total disablement of the insured person, the policy offers compensation to education fund of the dependent children.

5% to CSI or maximum amount of Rs. 15000.

Loss of Employment:

The policy also offers compensation to loss of employment of the insured person after to accident due to permanent total disablement.

2% of the CSI or a maximum sum of Rs. 25000

Frequently Asked Questions

1. What are the policy coverage options?

Universal Sompo Individual Personal Accident Policy

offers three different types of coverage options:

  • Basic cover – it only covers death due to unforeseen accident only.
  • Wider cover – it covers death and permanent and partial total disablement.
  • Comprehensive cover – it covers permanent and partial total or temporary disablement and death.

2. Is there any provision for policy exclusions?

Here are the major policy exclusions at a glance:

  • Natural death – the policy is meant to provide financial benefits against unforeseen accidental cases.
  • Committing suicide, injury due to attempting suicide, and self hurting are also excluded from policy coverage.
  • Death resulting due to participating in adventurous sports.
  • Death due to consumption of illegal drugs or overdose of drugs and consumption of alcohol.