• Universal Sompo Individual Personal Accident Policy

    Health Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    The financial impact of an unexpected accident can be overwhelming for most middle-class families in the country. A medical insurance policy provides coverage against the hospitalisation expenses following an accident. Apart from the medical expenses incurred due to the accident, the day-to-day expenses of the dependents will also get seriously affected due to the death or disability of the primary earner of a family. Universal Sompo Individual Personal Accident Policy is designed to provide financial security against these unexpected expenses. This policy comes with an affordable price tag, and it helps people mitigate the financial threats caused by accidents.

    Eligibility for Universal Sompo Individual Personal Accident Policy

    The eligibility criteria outlined by the company for enrolling in the Universal Sompo Individual Personal Accident Policy can be listed as follows:

    • The entry age of the proposer must be between 18 years and 65 years.
    • Dependent children can be covered from the age of 5 years.
    • People between the age of 65 and 75 can be covered in this policy with a 20% premium loading.
    • Lifelong renewability option is available with this policy cover.

    Features of Universal Sompo Individual Personal Accident Policy

    Some of the notable features of this personal accident cover can be listed as follows:

    • This policy provides benefits against death or disability of the insured person. Policyholders can also take some add-on covers to boost the level of coverage offered to them.
    • This policy is available in three different options (basic, wider, and comprehensive) based on the level of coverage offered.
    • This policy is available in multiple sum insured options based on the yearly income level of the policyholder.
    • The maximum sum insured amount available under the basic cover is 10 times the annual income of a person. For wider and comprehensive plans, the maximum sum insured amount is capped at 5 times the annual income of a person.
    • The sum insured amount chosen at the time of enrollment can be enhanced at the time of renewal.
    • A family discount of 10% for 3 members, 12.5% for 4 members, and 15% for 5 or more members is available under this policy cover.
    • There is a free look period of 15 days from the date of inception of this policy cover. During this period, customers can review the terms of this policy and return it if they are not satisfied.
    • Customers can also avail loyalty discounts offered by the insurer if they renew their policies within 7 days from the date of expiry. The loyalty discounts on premiums are as follows: 5% for 1st year renewal, 10% for second year, and 15% for third year.
    • This policy will be issued for a 12-month period, and it must be renewed every year.

    Benefits of Universal Sompo Individual Personal Accident Policy

    As a personal accident cover, this policy provides financial security against the death or disability of the insured person. In addition, policyholders can also get coverage for loss of employment, education fund, etc. The overall benefits available under this policy can be given as follows:

    Benefits Extent of Coverage
    Death or permanent total disability Lump sum payment of full sum insured amount as mentioned in the policy
    Permanent partial disability Depends on the nature of injury and the medical advice provided by the medical practitioner
    Temporary total disability Up to 1% of the sum insured subject to a maximum of Rs.5,000 per week for a maximum of 104 weeks
    Transportation costs for carrying dead body (including funeral charges) 1% of the sum insured subject to a maximum of Rs.2,500
    Cost of clothing damaged in an accident Up to Rs.1,000
    Ambulance charges Up to Rs.1,000
    Education fund (against death or permanent total disability) 5% of the sum insured subject to a maximum of Rs.15,000
    Compensation against loss of employment caused by permanent total disability 2% of the sum insured subject to a maximum of Rs.25,000
    Medical expenses extension (optional) Up to 40% of the personal accident claim amount
    Hospital confinement allowance (optional) Rs.500 per day for up 30 days in case of accidental hospitalisation

    Exclusions of Universal Sompo Individual Personal Accident Policy

    Universal Sompo will not pay the insured for the following claims:

    • Natural death of the insured person
    • Claims for more than one benefit within the same period of disablement
    • Any medical (without the add-on cover) or non-medical expenses incurred by the policyholder
    • Intentional self-injury, suicide, or attempted suicide
    • Injury or death resulting while under the influence of alcohol or drugs
    • Injury or death resulting from participation in hazardous activities
    • Injury or death occurred while breaching the law with criminal intent
    • Injury or death caused by war or warlike activities
    • Any expenses related to pregnancy, childbirth, or related complications
    • Any kind of venereal or sexually transmitted diseases
    • Curative treatments or interventions

    Claim Procedure

    The claim form for this policy can be downloaded from the official website of Universal Sompo. In case of the death of the insured, the company must be intimated within one calendar month. In case of permanent disability such as loss of eyesight or amputation of limbs, the insurance company must be notified within a maximum of one month. Upon intimation, the claim must be made along with all the required documents within 7 days. The following documents are required while filing for the claim:

    • Original FIR
    • Hospitalisation report
    • Discharge summary
    • Physician certificate
    • Panchnama
    • Death certificate (for death claims)
    • Post mortem certificate (for death claims)
    • Any other documents requested by the company

    Once the claim has been made, the company will verify all the documents and inform the insured about the acceptance or rejection of the claim. In case of rejection, the company will communicate the reason for the rejection. Following the acceptance of the claim, the settlement amount will be provided in a maximum of 30 days.

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    Universal Sompo Individual Personal Accident Policy Reviews

    • Apollo Munich
      "Worst and Fraud insurance. never take it. rejects all claims"
      0.5 0.5/5 "Unacceptable"
      They reject all claims without proper reason. I personally experienced it. My claim of hospital bill was rejected giving any wrong reason. I urge all people, never take any policy of apollo munich. claim ID: 948912 case ID:5208987. Anyone can check my claim. Fraud apollo munich company, Playing with people money.
      Was this review helpful? 18
      , mumbai
      Reviewed on Mar 15, 2019
    • Star Health
      Star Health
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance policy with the STAR HEALTH & ALLIED INSURANCE where i been using the policy since from last few years. The premium i have paid is 11K for this policy, the medical coverage is for 2L 50K for this policy where the coverage is for self.
      Was this review helpful? 8
      , new delhi
      Reviewed on Jan 30, 2019
    • Royal Sundaram
      "GOOD POLICY"
      0.5 4.5/5 "Excellent!"
      I have been using the health insurance policy with the ROYAL SUNDARAM GENERAL INSURANCE since from last 4-5 years where i had claim once with this policy. The medical coverage is for 4L for complete family. The premium is nominal with this insurance policy.
      Was this review helpful? 7
      , bilaspur
      Reviewed on Jan 29, 2019
    • HDFC Ergo
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      The reason for taking the HDFC ERGO GENERAL INSURANCE health insurance is because i wanted to enhance the medical coverage of this policy. It is a top up plan where i the coverage is for 6L for family. It also includes the pre existing disease coverage.
      Was this review helpful? 2
      , bilaspur
      Reviewed on Jan 29, 2019
    • National Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the health insurance policy with the NATIONAL INSURANCE is because the service is very good. The premium is nominal also the medical coverage what they have offered is 1L for self coverage. It has the disease coverage also the accidental coverage.
      Was this review helpful? 2
      , indore
      Reviewed on Jan 29, 2019
    • HDFC Ergo
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the health insurance policy with the HDFC ERGO GENERAL INSURANCE is because i am an existing customer of life insurance with this HDFC. I had no claim experience with this policy but the medical coverage is for 5L for self.
      Was this review helpful? 1
      , thane
      Reviewed on Jan 29, 2019
    • Bajaj Allianz
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I am using with the health insurance policy with the BAJAJ ALLIANZ GENERAL INSURANCE from last two years which is a corporate policy where i had no claim experience but the premium i am paying for yearly where half of the amount has been paid by the company. The medical coverage they are providing is for 2L for family.
      Was this review helpful? 1
      , kumarakom
      Reviewed on Jan 27, 2019
    • Apollo Munich
      "EXCELLENT"
      0.5 4.0/5 "Great!"
      The premium is nominal when compared to the other health insurances with the APOLLO MUNICH so i have taken this health insurance policy. The claim settlement is very good and the customer service is very helpful. I had no claim experience but the medical coverage is for 10L with this policy.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 25, 2019
    • review
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have been using the health insurance policy with the ICICI LOMBARD GENERAL INSURANCE since from last 10 years where i have paid the premium for 7 years. The customer support is very helpful for getting the claim where i got 60K of claim with this policy. Medical coverage is for 5L for family.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 23, 2019
    • Universal Sompo
      "GOOD"
      0.5 4.0/5 "Great!"
      The benefits are good with the UNIVERSAL SOMPO GENERAL INSURANCE health insurance so i have taken this insurance. I had no claim experience with this insurance policy but the premium is nominal and the medical coverage is for 10L and the policy coverage is family.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 23, 2019
    • HDFC Ergo
      "GOOD"
      0.5 4.0/5 "Great!"
      It is the better plan when compared to the others so i have taken the health insurance policy with the HDFC ERGO GENERAL INSURANCE. Premium is nominal and also the medical coverage is satisfactory which gives the medical coverage is for family.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Ergo
      "GOOD"
      0.5 2.0/5 "Expected more"
      I have taken the HDFC ERGO GENERAL INSURANCE health insurance policy with the where i have paid the premium 4187 and the medical coverage is satisfactory with this policy. I had no claim experience with this policy. I have not got the soft copy as well as the hard copy.
      Was this review helpful? 1
      , hisar
      Reviewed on Jan 23, 2019
    • HDFC Ergo
      "GOOD"
      0.5 2.0/5 "Expected more"
      The service is better than others so i have taken this HDFC ERGO GENERAL INSURANCE health insurance policy. I had no claim experience but the medical coverage is for 3L for self. I have not received the soft copy and the hard copy. There is no proper customer followup. The premium i have paid is 8,035.
      Was this review helpful? 5
      , hisar
      Reviewed on Jan 23, 2019
    • ManipalCigna
      "BETTER"
      0.5 2.0/5 "Expected more"
      There is no particular reason for taking the health insurance policy with the CIGNA TTK HEALTH INSURANCE but i had no claim experience with this policy also the medical coverage is satisfactory but i have no idea. Policy coverage is for self.
      Was this review helpful? 2
      , nellore
      Reviewed on Jan 23, 2019
    • Bajaj Allianz
      "GOOD"
      0.5 4.0/5 "Great!"
      I have taken the health insurance policy with the BAJAJ ALLIANZ GENERAL INSURANCE wheeler i have been using it since from last few months where i have paid the premium which is nominal also the medical coverage is for 5L which covers self and my mother.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 23, 2019
    • Star Health
      "BETTER"
      0.5 4.0/5 "Great!"
      The reason for taking the STAR HEALTH & ALLIED INSURANCE health insurance policy is because friends suggested. The medical coverage is for 5K where it gives the coverage for 2 persons. It also includes the critical illness, disease coverage.
      Was this review helpful? 5
      , guntur
      Reviewed on Jan 22, 2019
    • Apollo Munich
      "GOOD"
      0.5 4.0/5 "Great!"
      I have been using the health insurance policy with the APOLLO MUNICH where i am using it from last few months. I have experienced with no claim experience but the medical coverage they have offered is satisfactory. It gives the coverage for family.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Jan 22, 2019
    • Bharti Axa
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      There is no particular reason for taking the health insurance policy with the BHARTI AXA GENERAL INSURANCE where i had no claim experience. The premium i have paid is 3.5k also the medical coverage is for 2L for self. The policy coverage is satisfactory.
      Was this review helpful? 3
      , ludhiana
      Reviewed on Jan 22, 2019
    • National Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance policy with the NATIONAL INSURANCE where i ma holding it since from many years but i have no claim experience. The premium is satisfactory and the medical coverage is for 5L for complete family. It includes the illness, disease coverage.
      Was this review helpful? 2
      , faridabad
      Reviewed on Jan 22, 2019
    • National Insurance
      "EXCELLENT POLICY"
      0.5 5.0/5 "Blown Away!"
      I am holding the corporate health insurance policy with the NATIONAL INSURANCE where i am using it since fro last 12 years and i had claim for 3-4 times it includes the cashless also the reimbursement. The medical coverage is for 10L for family.
      Was this review helpful? 1
      , pune
      Reviewed on Jan 21, 2019
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