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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 Saral Suraksha Bima

The Universal Sompo Saral Suraksha Bima pledges to offer lump sum amount to the beneficiary, as per happening of an eventuality that is covered under this policy. The payable sum is decided by the policy buyer at the time of policy agreement. It offers onetime payment that is equal to the sum insured for events, like diagnosis of any critical disease (as listed in policy term), accidental death of the policy holder and total permanent disablement due to an unforeseen accident.

Major Features

Universal Sompo Saral Suraksha Bima

policy shall disburse payment, under the following contingencies:

1. Critical Illness

  • Stroke resulting in permanent disablement or permanent symptoms
  • Cancer
  • Failure of kidney – needs regular dialysis
  • CABG open chest
  • Major organ or bone marrow transplant

2. Personal Accident

  • Death due to unforeseen accident – Nominee will receive onetime payment which is equal to the initial insured amount.
  • Permanent Total Disablement due to Accident – The insured amount will be disbursed to the beneficiary.

Table of Benefits

Benefit

% of CSI

Death

100

Loss of sight (both eyes)

100

Physical separation or loss of permanent activeness of both hands or feet

100

Physical separation or loss of permanent activeness of one hand and one foot

100

Loss of sight in one eye and physical separation or loss of permanent activeness of one hand or one foot

100

Loss of sight for one eye only

50

Loss of permanent activeness or physical separation of one hand or one foot

50

Total or permanent or absolute disablement – certified by qualified doctors

100

Major Exclusions

Major exclusions of

Universal Sompo Saral Suraksha Bima

are discussed below:

1. Waiting period of 90 days –

90 days waiting period is applicable for all claims, barring the following conditions:

  • You should be insured under Universal Sompo Saral Suraksha Bima continuously without any gap.
  • You were insured at least 1 year under a similar policy that is offered by a certified Indian insurance company. The policy should be similar, bearing identical risks.
  • If you renew with the company or migrate from another company with the increased sum of insurance for renewal.

2. Pre-existing diseases

– The policy does not cover death or disablement that took place due to the pre-existing disease of the deceased. However, after continuing the policy for 48 months without any lag or break, the pre-existing diseases will be included.

3. Death within 30 days of policy will not come under the coverage

4. Claim due to injury or death due to the following conditions:

  • Suicidal death or unnatural death
  • Injury while committing suicidal attempt
  • Death or injury or disablement due to the influence of illegal drugs or toxic liquor
  • Alcoholism or addiction towards drugs
  • Death or injury due to participation in adventure sports
  • Breaching law with criminal intent

Frequently Asked Questions

1. Who is eligible for this policy?

Eligibility criteria for Universal Sompo Saral Suraksha Bima are as following:

  • Minimum age 18 years and maximum age 65 years
  • Children aging between 10 year and 25 year will only be covered under this policy, along with one dependent parent. If there is no dependent parent, unlimited number of children can be covered, but they must be lesser than 25years of age.

2. Is canceling policy refundable?

Policy buyers will get 15 days of look-up period. Under this period, canceling policy is 100% refundable unless there will be no refund.