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*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

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Universal Sompo Pravasi Bhartiya Bima Yojana Policy

With so many opportunities abroad, many Indians have been seeking employment away from home. While some go alone, some may go along with their dependents. No matter the requirement, Universal Sompo Pravasi Bhartiya Bima Yojana Policy is a custom-made plan for those emigrants who want to protect themselves and their loved ones from any untoward incidents and expenses in a foreign land.

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Plans for an individual of 30 years age travelling to USA for 15 days

Why Universal Sompo Pravasi Bhartiya Bima Yojana Policy

A joint venture of several Indian banks and Sompo Japan Insurance, this plan is offered to those Indians who wish to secure their stay abroad while they're employed there.

With more than 85 branches spread throughout the country, travel insurance plan called Universal Sompo Pravasi Bhartiya Bima Yojana Policy offers quick assistance through its various coverage benefits while you're traveling abroad.

The policy offers coverage to those emigrants who have bought this policy before leaving India and whose passport bears “Emigration Check Required”. There are various benefits available under this plan which a policyholder can enjoy. These have been covered in the later sections.

Features & Benefits of Universal Sompo Pravasi Bhartiya Bima Yojana Policy

This Universal Sompo Pravasi Bhartiya Bima Yojana Policy has the following features:

  • Covers Everyone: The plan protects the insured as well as their dependents as per the age limit and sum specified by the policy
  • Medical-Related Expenses:The policy will provide compensation for medical expenses incurred due to accident, bodily injury, or sickness while the insured is employed
  • Smooth Claim Settlement:The insurer provides quick and easy claim settlement
  • 24x7 Emergency Assist:The insurer has a dedicated helpline number to help their customers no matter where they are
  • Covers Daycare Procedures:The policy also has a list of operations/ surgeries under 24 hours of hospitalization that it will cover

Things to know about Universal Sompo Pravasi Bhartiya Bima Yojana Policy

This overseas travel policy covers many medical and other contingencies while the insured is employed abroad. Some of its important aspects have been briefly mentioned in the table below:

Categories Specification
Eligibility 18-65 years individuals employed abroad
Cashless Hospitalization Available through 4000+ network hospitals
Sum Insured Amount (Personal Accident) Up to Rs. 10,00,000
Benefits Personal AccidentMaternity ExpenditureEmployment ContingenciesDay Care ProceduresRepatriation Expenses
Free Look Period Facility Available

Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

Inclusions Under the Universal Sompo Pravasi Bhartiya Bima Yojana Policy

This Universal Sompo Pravasi Bhartiya Bima Yojana policy by Universal Sompo Insurance offers coverage in respect of the following situations-

  • Personal Accident:The insured will be covered for any disablement or death due to an accident abroad.  
  • Transportation and Airfare for Attendant: The insurer will provide compensation for the cost incurred in transporting the mortal remains of the insured back to India, as well as reimburse the additional cost of one economy class ticket for the attendant.
  • Hospitalization Expenses:In case the insured is hospitalized due to an accident or sickness abroad, the policy will compensate for their medical expenses incurred during the hospitalization period.
  • Maternity Expenditure: The insurer will cover any expenses due to injury or diseases incurred during their hospitalization. This benefit will be reimbursed after a period of 9 months from the start of the insurance policy. It will cover normal as well as cesarean section surgery.
  • Hospitalization Expenses of Insured's Family Members: The policy will provide for expenses incurred in the medical care of the insured's spouse up to the age of 65 years and children up to the age of 21 years. Expenses for the room, board, nursing, consulting fees, and other surgery-related costs would be covered.
  • Day Care Procedures/Surgeries:The procedures or surgeries specified in the policy that requires hospitalization less than 24 hours shall be covered by the insurer.
  • Employment Contingencies:In events where the insured has not been received by their employer abroad or prematurely terminated for no fault within 3 months of their employment or due to any substantive change in their employment, then the insurer shall pay for their one-way hospitalization economy class airfare to return to India.
  • Repatriation Expenses:If the insured emigrant falls sick or dies, the insurer will pay for their airfare back home to India.
  • Legal Costs: The insurer will pay for the insured's litigation expenses up to the specified limits while they're employed abroad.

Exclusions Under the Universal Sompo Pravasi Bhartiya Bima Yojana Policy

The Universal Sompo Pravasi Bhartiya Bima Yojana policy has many general exclusions that customers should carefully go through. The insurer doesn’t pay in respect of the following-

  • For any claim which arises before the commencement of the policy coverage and after the policy expiration
  • Any claims due to self-inflicted injuries, suicide or attempt to suicide, etc
  • If the insured is traveling against the advice of their attending doctor
  • Any claim which arises after the expiration of passport or VISA for the insured
  • Any claim arising out of mental disorder, stress, depression, venereal disease, HIV, etc.
  • Any claim which is the result of war and warlike occurrence or invasion
  • Participation in any type of motor speed contest

Note- This is not the complete list of inclusions and exclusions. Please check the policy wordings for more details.

Universal Sompo Pravasi Bhartiya Bima Yojana Policy Eligibility Criteria

This policy is only available to Indian citizens who are in the age band of 18-65 years. Only those emigrants whose passport is endorsed as "Emigration Check Required". They should have availed of this policy before leaving India. The insured should possess a valid visa for employment purposes only.


  • Q: How Can I Cancel this Universal Sompo Pravasi Bhartiya Bima Yojana Policy?

    You can cancel the policy by sending 30 days’ notice. You will be entitled to get a refund of the premium on the pro-rata basis for the unexpired policy duration, provided no claim has been made.

  • Q: Is There any Free Look-in Period Available with This Policy?

    Yes, this Universal Sompo Pravasi Bhartiya Bima Yojana offers the facility of a free-look-up period of 15 days.

    Q3. When can I File a Claim Under this Universal Sompo Pravasi Bhartiya Bima Yojana?

    The claim procedure for an accident or illness should be communicated as soon as possible to the insurer. In case of an accident, it should not be later than 14 days while in case of accidents it shouldn't be later than 7 days.

  • Q: How can I Buy Universal Sompo Pravasi Bhartiya Bima Yojana?

    You can enroll in this insurance policy by visiting or the official site of the insurer. You can also buy this Universal Sompo Pravasi Bhartiya Bima Yojana offline by visiting their local branch near you.

  • Q: How can I Buy the Best Overseas Travel Insurance Plan?

    You should prioritize your budget, requirements, and maximum benefits before finalizing your policy. Make sure that you compare different travel insurance plans at before buying one. In case of any confusion, you can also write to Policybazaar Insurance Broker Private Limited at

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*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

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