Universal Sompo’s Swarna Gramin Bima Yojana (Individual) offers full protection against any illness, accidents and critical illnesses. Gramin (Village Dweller) can benefit from this policy by covering himself, his family, organizations such as NGOs and Financial Institutions with rural clientele to have monetary support in times of distress.
*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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|Sr. No.||Benefits||Payable Amount|
|Benefit 1||Death of the Insured or his/ her family members upon accident||100% of Sum Insured|
|Benefit 2||Permanent Total Disablement of the Insured or his/her family members resulting from Accident||125% of Sum Insured|
|Benefit 3||Permanent Partial Disablement of the Insured or his/ her family members resulting from Accident||Depending on % of disablement|
Here is a list of Critical Illnesses and Surgical Procedures that shall be covered up to the Capital Insured:
|Option 1||Option 2||Option 3|
|Cancer of specified severity||Option 1 +||Option 2+|
|First Heart Attack of specified severity||Kidney Failure requiring regular dialysis||Major Organ /Bone Marrow Transplant|
|Open Chest CABG||Stroke resulting in permanent symptoms||Motor Neurone Disease with Permanent Symptoms|
|Open Heart Replacement||Permanent Paralysis of Limb|
|Coma of Specified Severity||Multiple Sclerosis with persisting symptoms|
This column shows you the options you have as paid amount upon hospitalization, subject to your minimum hospital stay of 2 days.
|Maximum Amount||Option 1||Option 2||Option 3|
|Rs 250/ - per day||Rs 500/- per day||Rs 1000/- per day|
|Rs 45000/-||Rs 9,0000/-||Rs 1,80,000/-|
Double Benefit: The amount as chosen by you from the above options shall be doubled when you/ your family member is admitted in an ICU. Such double benefit shall be available under the Policy for a maximum of 7 days.
|Age Band||SUM INSURED|
|Age Band||250 per day||500 per day||1000 per day|
|36- 45 Yrs||209||417||834|
|45- 55 Yrs||225||450||900|
|56- 65 Yrs||263||525||1050|
*The above rates may change. Please check the policy wordings for more details.
Long Term Policy: The Policy can be taken for a period of two/ three years and discount as under would be provided
|Duration of policy||Premium to be charged|
|2 years||2 year premium in advance less 10% discount|
|3 years||3 year premium in advance less 15% discount|
Family discount: Family discount as under would be provided when you to cover your family members under the policy.
|Number of Family Members||Discount|
|Self + Spouse||5%|
|Self + Spouse + 1 Child||7.5%|
|Self + Spouse + 2 Children||10%|
Maximum discount inclusive of all the discounting factors shall not exceed more than 40%.
Tax Benefit: Avail of tax benefit under section 80D of Income Tax Act on the premium applicable for Critical Illnesses & Surgical Procedures cover.
By You: You may terminate this Policy at any time by giving us written notice, and the Policy shall terminate when such written notice is received. If no claim has been made under the Policy, then we will refund premium in accordance with the table below:
|Cover Period||Within 1 month||From 1 month to 3 months||From 3 months to 6 months||From 6 months to 1 year||During 2nd Year||During #rd Year|
By Us: We may at any time terminate this Policy on grounds of misrepresentation, fraud, non-disclosure of material facts or non-cooperation by you or any Insured Person or anyone acting on your behalf or on behalf of an Insured Person upon 30 days notice by sending an endorsement to your address shown in the Schedule without refund of premium.
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