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  • Universal Sompo Pravasi Bharatiya Bima Yojana

    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**

    Universal Sompo Pravasi Bharatiya Bima Yojana is an insurance cover specifically designed for emigrants leaving India for employment in another country. This policy provides a combination of benefits including personal accident coverage, hospitalisation coverage, employment related contingencies, legal costs, etc. Despite the range of benefits offered, this policy is priced within the affordable range of the middle-class population of the country. This is a necessary protection cover to have if you are considering foreign travel for a particular period of time.

    Eligibility for Universal Sompo Pravasi Bharatiya Bima Yojana

    The following eligibility criteria applies to those who wish to take the Universal Sompo Pravasi Bharatiya Bima Yojana:

    • This policy can be bought by emigrants before they leave the country. The passport of the eligible person must bear the “Emigration Check Required” endorsement.
    • The primary insured must have a valid visa for staying abroad for the purpose of employment.
    • The proposer of the policy must be between 18 years and 65 years.
    • This policy cover is available for the spouse and dependent children of the primary insured.

    Features of Universal Sompo Pravasi Bharatiya Bima Yojana

    Some of the notable features of Universal Sompo Pravasi Bharatiya Bima Yojana can be listed as follows:

    • This policy can be availed in 2 and 3-year policy terms based on the discretion of the insured.
    • This is a micro insurance cover that comes with an affordable price tag. Premium for this policy is priced at Rs.275 and Rs.375 (excluding taxes) for 2 and 3 year terms respectively.
    • Pre-existing diseases are not covered for up to 48 months of continuous policy coverage.
    • Any sickness hospitalisation claims made within the first 30 days of the commencement of the policy will not be covered.
    • Conditions like cataract, hernia, hydrocele, congenital internal disease, sinusitis, gallbladder stones, varicose veins, etc. will not be covered for the first one year of the policy.
    • This policy covers maternity expenses incurred by the policyholders for up to 2 children during the policy period.
    • For those with entry age over 45 years, the company requires a pre-insurance medical examination before enrollment.
    • There is a free look period of 15 days for policyholders to review the terms and conditions of this policy.
    • The premium amount paid for this policy is eligible for tax relief as per Section 80D of the Income Tax Act.

    Benefits of Universal Sompo Pravasi Bharatiya Bima Yojana

    This micro insurance policy comes with 5 different types of benefits based on the level of coverage chosen by the insured person - personal accident coverage, transportation and airfare coverage for attendant, hospitalisation coverage, employment contingencies & repatriation expenses, and legal costs. The fixed benefits available under Universal Sompo Pravasi Bharatiya Bima Yojana can be given as follows:

    Benefits Extent of Coverage
    Personal accident coverage
    • Death of the insured person
    • Permanent disablement of the insured person
    (accident may have taken place anywhere in the world)
    Lump sum payment up to Rs.10 lakh
    Transportation of mortal remains and airfare of the attendant Actual cost of transportation and actual economy class airfare for the attendant
    Medical costs incurred by the insured person Actual medical costs up to Rs.75,000
    Maternity expenses (in India or in the country of employment) Up to Rs.25,000
    Medical costs incurred by the insured’s family members Up to Rs.50,000
    Day care treatment Covered for up to 142 procedures (list of procedures covered can be obtained from the company website)
    Employment related contingencies Actual economy class airfare
    Repatriation expenses related to medical condition Actual economy class airfare
    Legal costs related to the insured person’s employment abroad Up to Rs.30,000

    Exclusions of Universal Sompo Pravasi Bharatiya Bima Yojana

    Universal Sompo is not liable to provide any compensation for the following list of exclusions:

    • People travelling abroad against the advice of a physician
    • Injuries sustained in a profession/country different from what was originally declared at the time of enrollment
    • Injuries sustained in a country against which the Republic of India has imposed travel restrictions
    • Death or injury resulting from war or internal conflict in the country of employment
    • Claims arising after the expiry of passport or visa of the insured person
    • Any claims related to mental stress, anxiety, depression, or stress
    • Any claims related to intentional self-injury, suicide, or suicide attempt
    • Death or injury caused while under the influence of alcohol or drugs
    • Claims related to sexually transmitted diseases and venereal diseases
    • Claims related to consequential loss
    • Any loss caused due to participation in criminal activities or other unlawful acts
    • Any loss caused by exposure to nuclear materials or other toxic waste
    • Air travel except as a passenger in a recognized airline traveling in scheduled routes
    • Death or injury resulting from participation in extreme sports or other dangerous activities
    • Any claims made 12 months after the death of the insured person
    • Any claims filed after 90 days after completion of the journey
    • Any legal costs involved in the transportation of mortal remains
    • Any reimbursements claimed without the proof of original tickets
    • All non-medical expenses incurred during the time of hospital stay
    • Cost of external medical aids such as spectacles, hearing aids, etc.
    • Dental treatment unless caused by an accident
    • Any expenses related to travel or transportation
    • Expenses incurred for non-allopathic medical treatments such as naturopathy
    • Legal expenses not certified by the appropriate ministry of the country of employment
    • Any legal or employment related claims not certified Indian Mission/Post abroad
    • Any day care treatment expenses other than the ones listed in the policy document

    Claim Procedure

    For accident claims, the company must be intimated within 14 days from the date of the eventuality. Sickness hospitalisation claims must be intimated within 7 days from the date of hospitalisation.

    Personal accident claims: Death or disability resulting from an accident requires submission of proofs to the company within a reasonable period. The following documents must be submitted to the insurer following personal accident claims:

    • Police report
    • Death certificate
    • Post mortem report
    • Medical treatments undertaken (for disability)
    • Certificate of disability from a physician

    Once these documents are submitted to the insurer, the claim settlement process will begin. The insurer will evaluate the validity of the submitted documents before providing the settlement amount.

    Hospitalisation claims: Cashless treatment facility is available in the network hospitals for hospitalisation claims. To avail this facility, it is necessary to intimate the company 48 hours ahead of planned hospitalisation or within 24 hours of emergency hospitalisation. Pre authorisation form can be obtained from the hospital counter. The authorisation form, along with the policy details, can be faxed to the third-party administrator (TPA) from the hospital. The TPA will verify the request and approve the cashless treatment request.

    Reimbursement claims can be filed within 30 days from the date of discharge from the hospital. While filing reimbursement requests, it is necessary to submit the following list of documents to the insurer:

    • Original bills
    • Cash receipts
    • Medical certificates
    • Diagnostic reports
    • Prescriptions
    • Any other documents requested by the insurer

    Once these documents are submitted, the insurer or TPA will process the claim request. Once the claim is validated, the company will provide the settlement amount.

    Other claims: Transportation claims require necessary proofs and related documents. The cost of transportation must be provided in the form of bills and receipts. For airfare related claims, original air tickets, other receipts, and copy of passport must be submitted while filing the claim. Claims related to legal costs, employment contingencies, and repatriation costs must include a certificate from the India Mission/Post abroad. Legal cost related claims must also have a certificate from the appropriate ministry in the country of employment.

    Claim settlement: The insured can file claim requests for any of the above mentioned claims. Once the request has been filed, the company will provide its response regarding the acceptance or rejection of the claim within a maximum of 30 days. In case of rejection, the company will provide the reason for rejection. Upon acceptance of the claim, the settlement amount will be provided within a maximum of 7 days.

    *The customer reviews/feedback/opinions expressed on this website are solely of their authors and do not reflect, in any way, the view of BankBazaar Insurance.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Universal Sompo Pravasi Bharatiya Bima Yojana Reviews

    • Apollo Munich Health Insurance
      "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? 1
      , mumbai
      Reviewed on Mar 15, 2019
    • Star Health Health Insurance
      "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? 5
      , new delhi
      Reviewed on Jan 30, 2019
    • Royal Sundaram Health Insurance
      "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? 2
      , bilaspur
      Reviewed on Jan 29, 2019
    • HDFC Ergo Health Insurance
      "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.
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      , bilaspur
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    • Tata AIG Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I am holding the health insurance policy with the TATA AIG GENERAL INSURANCE since from last 10 years as i have no claim experience with this insurance policy. The premium is nominal also the medical coverage they have offered is 5L for self.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 29, 2019
    • Bankbazaarinsurance.com Health Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 5.0/5 "Blown Away!"
      Bankbazaarinsurance.com i am using it for the very first time as i am using it through the website as the portal is convenient to access also it is hassle free to apply for the insurance. The customer service is very good they explain the details of the policy.
      Was this review helpful? 1
      , indore
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    • National Insurance Health 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? 0
      , indore
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    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT PORTAL TO USE"
      0.5 4.0/5 "Great!"
      It is the first time experience with the Bankbazaarinsurance.com where i have been using it through the website as the portal is user friendly also it is convenient to access. The customer service is good by explaining the details of the policy.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 29, 2019
    • HDFC Ergo Health Insurance
      "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? 0
      , thane
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    • Bajaj Allianz Health Insurance
      "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? 0
      , kumarakom
      Reviewed on Jan 27, 2019
    • Apollo Munich Health Insurance
      "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? 0
      , new delhi
      Reviewed on Jan 25, 2019
    • review Health Insurance
      "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? 0
      , bangalore
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 4.0/5 "Great!"
      Bankbazaarinsurance.com i am using it from last more than one year and i have been using it through the website as i have faced with no issues with this portal and it is hassle free to access. The customer service is very good by explaining the details of the policy.
      Was this review helpful? 0
      , mumbai
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    • Universal Sompo Health Insurance
      "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? 0
      , mumbai
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    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 4.0/5 "Great!"
      This is the first time experience with the Bankbazaarinsurance .com where i am using it through the mobile application as the application is user friendly and also it is hassle free to use. The customer service is comfortable and they are responsive and it is good.
      Was this review helpful? 1
      , chennai
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    • HDFC Ergo Health Insurance
      "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 Health Insurance
      "GOOD"
      0.5 2.0/5 "Expected more"
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      Was this review helpful? 1
      , hisar
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 4.0/5 "Great!"
      Bankbazaarinsurance.com is the first time experience where i have been using it through the website as the portal is user friendly also it is comfortable to access. The customer support is with no proper response because they have not followed up.
      Was this review helpful? 0
      , hisar
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 2.0/5 "Expected more"
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      Was this review helpful? 2
      , hisar
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