*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Some plans are available only after a certain time
In a loan secure insurance plan like Universal Sompo Loan Secure Insurance Policy compensates the insured financially on detecting a critical illness, loss of a job, unfortunate death or in case of total/partial permanent disability due to an accident. Universal Sompo Loan Secure Insurance Policy covers the above mentioned so that the insured or their nominees can pay back the loan without any trouble.
Up to Rs 1 cr.
Till 55 years
18 major illnesses
The minimum eligibility conditions to buy this policy are:
Minimum Entry Age
Maximum Entry Age
Number of people covered
This policy covers various members/SMEs/partnerships, and there is no such limit mentioned by the policy. Each member will be considered a different policyholder.
The person should have a loan with a bank.
Permanent residents of India or Indian citizens
Universal Sompo Loan Secure Health Insurance Policy provides coverage under four different plan variants, which offer a range of benefits depending on the chosen type. They are mentioned below:
The Silver Plan covers these:
In this category, the first time procedure or first medical events are covered
The Gold Plan covers the following-
First time procedure or first medical events, or surgeries for the following are covered:
The Platinum Plan covers the following-
First time procedures/ medical events/surgeries, for the following are covered:
Under the Diamond Plan, the following are included:
In this category, first time procedures or surgeries for the following ailments are covered:
The Universal Sompo Loan Secure Insurance Policy provides coverage against accidents. If the policyholder dies due to any kind of accident or gets injured, resulting in disablement, then the Universal Sompo Health Insurance pays the sum insured. Below are the conditions in which the insurer is liable to pay the sum insured amount to the person insured.
There is a list of various exclusions under several sections of the Universal Sompo Loan Secure Insurance Policy. Some of them are:
The policy features and benefits can be categorized into the following:
If the policyholder finds the terms and conditions of the policy to be unsatisfactory, he/she can return the policy at no extra cost to the insurer within 15 days from the policy's starting date, provided no claim is paid.
The insurer will return all the premiums paid after deduction of taxes and stamp duty charges. Thus, the Universal Sompo Loan Secure Insurance Policy can be returned.
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