Universal Sompo Personal Accident Insurance

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      Universal Sompo Personal Accident Insurance

      Universal Sompo Personal Accident Policy provides a person and his family mitigation against the financial consequences of unforeseeable accidents. This Policy provides benefits based on the nature of Injury sustained by the Insured Person in an accident during the policy period.

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      Key Features of Individual Personal Accident Insurance Plan By Universal Sompo:

      • The Company offers Discount as under for covering more than 2 family members
        • More than 3 family members 10%
        • More than 4 Family Members 12.50%
        • More than 5 Family Members 15%
        • Company provides a loyalty discount on the premium in respect of individual and family package covered

      Benefits of Personal Accident Insurance Plan By Universal Sompo:

      • On accidental death or permanent total disablement of the insured, 100% of the capital sum insured shall be compensated.
      • Individual Personal Accident Policy can be renewed for lifetime, except on grounds of fraud, false information, and less or no cooperation from the proposer’s end.
      • Benefits of this policy also enumerate the cost for transportation of body to home, clothing damaged and permanent total disablement.
      • The insured shall ak=lso be protected against the loss of employment as a consequence of Permanent Total Disability.

      Universal Sompo Personal Accident Insurance Premium Details For Individual:

      The premiums as under shall be payable in single installment

      Nature of Cover



      Very Heavy












      Not to be covered

      Policy Details

      Sum Insured: Death only cover- 10 times the yearly Income Wider Cover- 5 times the Yearly comprehensive Cover- 5 times the Yearly Income (INR 5,00,000/- Maximum)       

      No Claim Bonus: All claims under the policy will be paid by company within 7 working days from date of acceptance of such a claim. Incase of delay in the payment, company is liable to pay interest at a rate which is lower 2% above Bank rate prevalent at the beginning of the financial year.

      Coverage type: The Policy provides for 3 different Options:

      • Basic Cover:against death only
      • Wider Cover: against death or permanent Total disablement, compensation is equivalent to the full Capital Sum Insured.
      • Comprehensive Cover: against death, Permanent Total Disablement Permanent Partial Disablement Temporary Total Disablement.

      Universal Sompo Individual Personal Accident Insurance Renewal Policy:

      • This Policy shall ordinarily be renewable for lifetime except on grounds of fraud, moral hazard or misrepresentation or Non-Cooperation.
      • No loading on premium shall be applied on individual claims experience basis.
      • The Premium of the Policy may be revised subject to approval from IRDA.

      Policy termination: Individual may cancel this policy by giving at least 15 days written notice, and if no claim has been made then premium will be refunded on short term rates for the unexpired Policy Period as per the rates detailed below.

      Period of Risk

      Rate of Premium to be charged

      Up to one month

      25% of annual Premium

      Up to three months

      50% of annual Premium

      Up to six months

      75% of annual Premium

      Above 6 Months

      100% of Annual Premium

      *The above rates may change. Please check the policy wordings for more details.

      Substitute Product: In case Individual decides to withdraw this product under which policy is issued to individual or where the children have attended maximum eligibility age under the Policy, if covered, Company shall provide individual with an option to buy a similar substitute accident insurance Policy from Company.

      Nomination: The Policy has provision of nomination, in absence of Individual declaring nomination at the time of proposal, then all benefits accrued under the Policy if any, shall be given to Individual legal heir/ dependants.

      Exclusions in Universal Sompo Personal Accident Insurance:

      • Natural Death
      • Consequential loss of any kind and/or legal liability
      • Committing any breach of law with criminal intent
      • Pregnancy including child birth, miscarriage, abortion or complication arising there from
      • Participation in any Naval, military or air force operations
      • HIV or related illness
      • Venereal or sexually transmitted diseases
      • Whilst under influence of intoxicating liquor or drugs
      • Drug Addiction or alcoholism

      Documents Required For Universal Sompo Personal Accident Insurance Plan For Individual:

      For Death Claim

      • Duly filled up claim form
      • Death Certificate
      • Original FIR
      • Original Panchnama
      • Post mortem report

      For Permanent Total disablement/ Permanent Partial Disablement

      • Duly filled up claims form
      • Original FIR
      • Hospitalization Report
      • Hospital Discharge Card
      • Original Certificate from Doctor of Govt. Hospital stating the degree of disability
      • Termination letter for claim under-Loss of Employment

      For Temporary Total Disablement

      • Duly filled up claim form
      • Original FIR
      • Hospitalization Report
      • Hospital Discharge Card

      Universal Sompo Personal Accident Insurance Policy Eligibility Criteria:

      • Minimum Age- 5-65 Years
      • No Fresh Proposal beyond 75 Years
      • No Maximum renewal age under the Policy
      • Proposal needs to be aged 18 years or above
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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