You need health cover regardless of what you take two at a time - pills or stairs.
  • Universal Sompo Individual Personal Accident Policy

    Universal Sompo Health Insurance

    This policy offers flexible options to shield you and your family against financial hardships arising due to unforeseeable accidents. The plan comes in 3 varieties namely Basic, Wider and Comprehensive. Apart from the capital sum assured, there are also additional benefits associated with accident claims.

    The policy is offered in Single Premium Payment mode only with 1 year tenure which can be renewed indefinitely.

    Features of Universal Sompo Individual Personal Accident Policy:

    The features of this plan are listed below:

    Eligibility age

    Min – 5 years

    Max – 65 years

    65 to 75 year applicants may be enrolled with 20% loading on premium




    Single Premium. 0.4% to 2% of Sum Assured.

    Sum assured

    Basic – 10 times yearly income

    Wider – 5 times yearly income

    Comprehensive – 5 times yearly income (Rs.5 lakhs max)

    Policy term

    1 year


    Lifetime renewability option

    Cover offered

    The policy is available in 3 varieties:

    • Basic cover – Death benefits
    • Wider cover – Death, Permanent Total Disability and Permanent Partial Disability benefits
    • Comprehensive – Death, Permanent Total Disability, Permanent Partial Disability and Temporary Total Disability benefits

    There is also the option to add the following riders on payment of additional premium:

    • Medical Expenses – 25% additional premium. 40% or lower of actuals of personal accident claim.
    • Hospital confinement allowance – Rs.500 daily hospital allowance up to 30 days. Rs.300 additional premium per member.


    • Family package discount as per 10% of premium for more than 3 members, 12.50% for more than 4 members and 15% for more than 5 members.
    • If policy is renewed within 7 days of lapse, loyalty discount of 5% in 1st year, 10% in 2nd year and 15% in 3rd year.


    In case of accidental claim:

    • 1% of capital sum assured as funeral expenses up to Rs.2,500

    • Ambulance charges up to Rs.1,000
    • Death or permanent total disability will have education fund with 5% of capital sum assured up to Rs.15,000
    • Loss of employment due to permanent total disability will receive 2% of basic sum assured up to Rs.25,000
    • Clothing damages expenses up to Rs.1,000


    General exclusions are as follows:

    • Injuries resulting from invasion, war or act of foreign enemy, civil rebellion.
    • Participation in motor speed events.
    • Air travel except as a passenger on recognized airlines, charter aircraft.
    • Nuclear fission or nuclear waste damages.
    • Hazardous properties of nuclear components or nuclear assembly.
    • Damages arising out of biological or chemical contamination and bombs, missiles, grenades, explosives as an act of terrorism.

    *The information listed here is as per the latest data. You should read the policy documents carefully before making a decision on buying a health insurance policy.

    Other Health Insurance Plans from Universal Sompo:

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