Aapat Suraksha Bima Policy by Universal Sompo is a unique policy that combines the features of both critical illness cover and personal accident cover under a single plan. It provides lump sum benefit against any of the event that may give rise to a claim. This cover is mainly intended for the middle-class population of the country, and it comes with an affordable price. If you are looking an additional plan to supplement your health insurance cover, you can consider opting for this policy.
The eligibility criteria outlined by the company for enrolling in Universal Sompo Aapat Suraksha Bima Policy can be listed as follows:
Some of the notable features of Universal Sompo Aapat Suraksha Bima Policy can be listed as follows:
The benefits available under Universal Sompo Aapat Suraksha Bima Policy can be listed as follows:
|Benefits||Extent of Coverage|
|Accidental death of the insured||Full capital sum insured amount chosen by the insured person|
|Permanent total disablement (including loss of limbs or eyesight)||Compensation as per the details provided in the policy schedule|
|Critical illness coverage||Lump sum payment of the sum insured amount upon the conclusive diagnosis of any of the named critical illness|
Some of the major exclusions listed out under the Universal Sompo Aapat Suraksha Bima Policy can be listed as follows:
Following an event that may give rise to a claim, the insured must notify the company in writing. This will initiate the claim procedure. If you are not sure about the process involved in a claim, you can contact the customer service department of the company and get your doubts clarified. The claim must be filed within one calendar month of the insured’s death, disability, or diagnosis of a critical illness.
The company will seek various documents including medical reports, discharge summary, physician certificate, police FIR (for accidents), death certificate/post mortem report (if applicable), etc. Following the submission of these documents, the company will verify the validity of these documents before providing the settlement amount.
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