You need health cover regardless of what you take two at a time - pills or stairs.
  • Universal Sompo Saral Suraksha Bima Policy

    Universal Sompo Health Insurance

    The Universal Sompo Saral Suraksha Bima is a health insurance policy that can be taken at the age of 18 years. It can even be used to cover children and dependents of the policyholders. The policy can also be taken to cover members of a group or taken by an individual to cover himself and his family. THis is a policy that can cover the policyholder in case of them contracting a critical illness and even in case they suffer an accident are in need of the benefits of a health insurance policy.

    Features and Benefits of Universal Sompo Saral Suraksha Bima:

    Listed below are the features and benefits of Universal Sompo Saral Suraksha Bima:

    Eligibility age

    Minimum: 18 years

    Maximum: 65 years

    Children from the age of 10 years can be covered if any one of their parents are insured under this policy.

    Children who are unmarried also can be covered up to a maximum age of 25 years.


    Group basis, individual basis


    This policy can be renewed throughout the lifetime of the policyholder.

    Cover offered

    This policy covers 2 different situations:

    • Critical Illness - under this cover, the policy will pay for any of the following ailments.
      • A stroke that results in permanent symptoms
      • Cancer that has developed to a certain stage.
      • Regular dialysis due to kidney failure
      • Open chest Coronary artery bypass grafting
      • Organ transplant
      • Bone Marrow transplant
    • Personal accident - under this section there are 2 sub sections which have been mentioned below:
      • Accidental Death: if the insured person dies in an accident, then the nominee will get a lump sum payment of the capital sum insured.
      • Permanent Total Disablement: wherein the insured will be entitled to get a percentage of the capital sum insured if he suffers a total loss of limbs, due to an accident.

    Premium payments

    The premium options available are:

    For critical illness: the premium will be Rs. 10,000; Rs. 20,000 or Rs. 25,000.

    For personal accident: the premium will be Rs. 20,000; Rs. 40,000; Rs. 50,000


    The benefits under this policy are:

    Benefit table

    % of Capital sum insured

    In case of Death


    Loss of eyesight in both eyes, hands, feet


    Total disability of permanent nature as certified for a Doctor


    Loss of eyesight in one eye, or losing of one hand, or feet

    50 - 50

    • The sum insured can be enhanced on the renewal of the policy
    • Nomination facility is allowed under this policy
    • The free look period for this policy is a maximum of 15 days from the day you receive the policy documents.
    • Notice Period of 3 months needs to be provided in case you wish to withdraw or modify the policy


    The exclusions under this policy are:

    • Specific to Critical Illness:
      • There will be a waiting period of 90 days applicable to this policy if you have not been covered by this policy for at least 1 year, without interruptions
      • The policy does not cover pre existing diseases, unless a 48 month period has lapsed
      • The policy does not offer cover if death occurs within 30 days on the policy due to a critical illness
    • Specific to Personal Accident
      • Committing or attempting suicide
      • Drug addiction or alcoholism
      • Committing any breach of law with criminal intent
      • Injury due to adventurous sports
    • General exclusions
      • Death due to an act of war, invasion, act of foreign enemy, hostilities etc
      • Radiation or contamination by radioactivity

    It should be noted that the information provided here is not completely representative of the features of this policy and it is advised that you read the policy documents carefully to understand it in its entirety.

    Other Health Insurance Plans from Universal Sompo:

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.