{"uin":"UNIHLGP24014V012324","name":"Labour Wage Compensation Insurance Policy","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324","insurer":{"slug":"universal-sompo-general-insurance","name":"Universal Sompo General Insurance Company Limited","url":"https://indiainsurances.com/insurer/universal-sompo-general-insurance"},"line":"health","category":"hospital-cash","category_name":"Hospital daily cash","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a group health hospital-cash policy that pays daily wage loss benefits for hospitalisation due to accident, sickness, or both. It has a 1 year policy tenure, base cover sum insured from Rs 100 per day to Rs 5,000,000, and medical treatment must be taken in India only.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:53:38.360815+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents list base and optional coverages, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"One policy year; the master policy is issued for 1 year and the individual certificate term is stated in the certificate of insurance.","display":"1 year","note":null,"quote":"Policy period means period of one policy year as mentioned in the schedule for which the Policy is issued ... Master policy would be issued for a period of 1 year. Details of the policy term applicable to individual certificate of insurance would be clearly stated in Your certificate of insurance.","sources":[{"clause":"3.2(iii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-3-2-iii"},{"clause":"15(c)","heading":"Biological attack or weapons","page":20,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-c"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For anywhere cashless at a non-network hospital, prior intimation is required minimum 48 hours before planned hospitalisation and within 24 hours of admission for emergency hospitalisation. For reimbursement, the policy says to register or inform the claim, but does not state a separate deadline.","display":"Non-network cashless: minimum 48 hours before planned hospitalisation and within 24 hours of emergency admission","note":"The quoted policy text says \"with 24 hours of admission\".","quote":"Prior Intimation is required for processing cashless from non-network hospitals: ➢ Inform us (Toll Free Helpline – 1800 200 4030) minimum 48 hours before admission for planned hospitalization and with 24 hours of admission for emergency hospitalization across India. ... Step I: Visit our Web Portal to register claim or Call our Health Helpline 1800 200 4030 or email us at healthserve@universalsompo.com and inform about your claim.","sources":[{"clause":null,"heading":"9. Claims Procedure","page":26,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-9-claims-procedure"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim form duly filled and signed by the Insured","Certificate from attending medical practitioner mentioning the first symptoms and date of occurrence of ailment.","All treatment papers of current ailment including previous treatment papers if any.","Original Discharge Card from the hospital, Indoor Case Papers.","All original medical Investigation reports (viz. X-ray, ECG, Blood test etc).","Original hospital bill and receipts.","Original bills of chemist, medical practitioner, medical investigation, etc. supported by the doctor’s prescription.","NEFT details and Personalized cancelled cheque/ Passbook copy in the name of proposer for electronic fund transfer.","Valid Photo ID Proof of the patient.","For accident Cases: MLC (Medico Legal Certificate)/ FIR (First Information report).","Copy of latest valid address proof of proposer like electricity bill, water bill or telephone bill or updated bank statement along with copy of PAN card & Aadhaar Card as per AML/KYC Norms."],"display":"Claim form, medical certificate, treatment papers, discharge card, investigation reports, original bills and receipts, prescriptions, NEFT/cancelled cheque, photo ID, accident MLC/FIR, address proof with PAN and Aadhaar","note":"The policy says the list is indicative and further documents may be requested.","quote":"I) Claim form duly filled and signed by the Insured ... II) Certificate from attending medical practitioner mentioning the first symptoms and date of occurrence of ailment. ... III) All treatment papers of current ailment including previous treatment papers if any. ... IV) Original Discharge Card from the hospital, Indoor Case Papers. ... V) All original medical Investigation reports (viz. X-ray, ECG, Blood test etc). ... VI) Original hospital bill and receipts. ... VII) Original bills of chemist, medical practitioner, medical investigation, etc. supported by the doctor’s prescription. ... VIII) NEFT details and Personalized cancelled cheque/ Passbook copy in the name of proposer for electronic fund transfer. ... IX) Valid Photo ID Proof of the patient. ... X) For accident Cases: MLC (Medico Legal Certificate)/ FIR (First Information report). ... XI) Copy of latest valid address proof of proposer like electricity bill, water bill or telephone bill or updated bank statement along with copy of PAN card & Aadhaar Card as per AML/KYC Norms.","sources":[{"clause":"15(I)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-i"},{"clause":"15(II)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-ii"},{"clause":"15(III)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-iii"},{"clause":"15(IV)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-iv"},{"clause":"15(V)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-v"},{"clause":"15(VI)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-vi"},{"clause":"15(VII)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-vii"},{"clause":"15(VIII)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-viii"},{"clause":"15(IX)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-ix"},{"clause":"15(X)","heading":"For accident Cases","page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-x"},{"clause":"15(XI)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-xi"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from the date of submission of the claim. If investigation is warranted, it must be initiated and completed not later than 15 days from the date of submission of claim, and delay beyond the stipulated 15 days carries interest at 2% above bank rate.","display":"Within 15 days from submission of the claim","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of submission of the claim. ... However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest in any case not later than 15 days from the date of submission of claim. ... In case of delay beyond stipulated 15 days the company shall be liable to pay interest at a rate 2% above the bank rate from the date of receipt of intimation to till the date of payment.","sources":[{"clause":"15(i)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-i-2"},{"clause":"15(iii)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-iii-2"},{"clause":"15(iv)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-iv-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases (Excl-01)","Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 24/ 36months of continuous coverage","Expenses related to the treatment of any illness within Thirty 30 days from the first policy commencement date shall be excluded except claims arising due to an accident","Expenses related to any admission primarily for diagnostics and evaluation purposes.","Expenses related to any admission primarily for enforced bed rest and not for receiving treatment.","Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports","Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.","Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Any expenses incurred on OPD treatment.","Treatment taken outside the geographical limits of India.","Act of Terrorism","Attack / injury due to Naxalites"],"display":"Pre-existing diseases; 24/36-month specific waiting period; first 30 days illness; diagnostics/evaluation; rest cure; hazardous sports; breach of law; excluded providers; alcohol/drug abuse; OPD; treatment outside India; terrorism; Naxalite attack/injury","note":"Specific Exclusion 7.2.6 and/or 7.2.7 can be removed if the optional Exclusion Removal cover is bought.","quote":"Pre-Existing Diseases (Excl-01) ... Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 24/ 36months of continuous coverage ... Expenses related to the treatment of any illness within Thirty 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... Expenses related to any admission primarily for diagnostics and evaluation purposes. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Any expenses incurred on OPD treatment. ... Treatment taken outside the geographical limits of India. ... Act of Terrorism ... Attack / injury due to Naxalites","sources":[{"clause":"13","heading":"Exclusion Removal","page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-13"},{"clause":"13(b)(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-13-b-i"},{"clause":"Excl04","heading":"Investigation & Evaluation(Code- Excl04)","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, Rehabilitation and Respite Care (Code- Excl05)","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-excl05"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-excl09"},{"clause":"Excl10","heading":"Breach of law: (Code- Excl10)","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers: (Code-Excl11)","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-excl11"},{"clause":"15(c)","heading":"Biological attack or weapons","page":20,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-c"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First write to Customer Service at Universal Sompo General Insurance Co. Ltd., Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708, email grievance@universalsompo.com, or visit a branch GRO. If not satisfied or no response is received, write or email the Grievance Redressal Officer at GRO@universalsompo.com.","display":"Customer Service / branch GRO first; then Grievance Redressal Officer at GRO@universalsompo.com","note":null,"quote":"Write to:\nCustomer Service Universal Sompo General Insurance Co.Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708 Email: grievance@universalsompo.com ... Visit Branch Grievance Redressal Officer (GRO) - Walk into any of our nearest branches and request to meet the GRO. ... In case, the customer is not satisfied with the decision/resolution of the above office or have not received any response, he/she may write or email/mail to:\nCustomer Service Universal Sompo General Insurance Co.Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708 Email ID: GRO@universalsompo.com","sources":[{"clause":null,"heading":"Resolving Issue","page":24,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-resolving-issue"},{"clause":null,"heading":"Grievance Redressal Officer","page":24,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-grievance-redressal-officer"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Minimum Base Cover Sum Insured is Rs 100 per day and Maximum Base Cover Sum Insured is Rs 5,000,000. The policy offers cover on Individual and Floater Sum Insured basis.","display":"Rs 100 per day to Rs 5,000,000","note":"The wording also says the chosen sum insured is specified in the Policy Schedule / Certificate of Insurance.","quote":"Policy offers cover on Individual and Floater Sum Insured basis. ... Minimum Base Cover Sum Insured of the Policy Rs 100 per day\n• Maximum Base Cover Sum Insured of the Policy Rs 5,000,000/-","sources":[{"clause":"1","heading":"ELIGIBILITY","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17465#c-1"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"On payment of additional premium, the 30 days waiting period can be waived or modified to 15 days.","quote":"Expenses related to the treatment of any illness within Thirty 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. ... Notwithstanding anything to the contrary in the Policy, it is hereby declared and agreed that, on payment of additional premium, 30 days waiting period applicable for any claims in relation to a Hospitalization of the Insured Person including any Medical Expenses incurred thereof: a) Is waived off Or,\nb) Is modified to 15 days.","sources":[{"clause":"13(b)(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-13-b-i"},{"clause":"6","heading":"Thirty (30) Days Waiting Period Modification","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-6"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"The policy wording defines pre-existing disease but the explicit 36-month cover statement appears in the CIS.","quote":"Excl01 Pre-existing diseases: (Code- Excl01) Covered after 36 months.","sources":[{"clause":"Excl01","heading":"Pre-existing diseases: (Code- Excl01)","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17466#c-excl01"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"Some listed diseases/procedures have a 36Months waiting period.","quote":"Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 24/ 36months of continuous coverage, as may be the case after the date of inception of the first policy with the insurer. ... i) 24 Months waiting period ... ii. 36Months waiting period","sources":[{"clause":"13","heading":"Exclusion Removal","page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-13"},{"clause":"13(e)(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-13-e-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps","Benign ear, nose, throat disorders","Benign prostate hypertrophy","Cataract and age related eye ailments","Gastric/ Duodenal Ulcer","Gout and Rheumatism","Hernia of all types","Hydrocele","Non Infective Arthritis","Piles, Fissures and Fistula in anus","Pilonidal sinus, Sinusitis and related disorders","Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident","Skin Disorders","Stone in Gall Bladder and Bile duct, excluding malignancy","Stones in Urinary system","Treatment for Menorrhagia/Fibromyoma, Myoma and Prolapsed uterus","Varicose Veins and Varicose Ulcers","Renal Failure","Puberty and Menopause related Disorders","Behavioural and Neuro-Develop","Disorders of adult personality","Disorders of speech and language including stammering, dyslexia","HIV Disorders","Joint Replacement due to Degenerative Condition","Age-related Osteoarthritis & Osteoporosis","Treatment of HIV illness, stress or psychological disorders and neurodegenerative disorders.","Age Related Macular Degeneration (ARMD)","Genetic diseases or disorders"],"display":"24-month and 36-month listed conditions including benign tumours/cysts/polyps, cataract, hernia, piles, stones, varicose veins, renal failure, behavioural disorders, HIV disorders, joint replacement, osteoarthritis/osteoporosis, ARMD and genetic diseases","note":null,"quote":"i) 24 Months waiting period\n1. All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps\n2. Benign ear, nose, throat disorders\n3. Benign prostate hypertrophy\n4. Cataract and age related eye ailments\n5. Gastric/ Duodenal Ulcer\n6. Gout and Rheumatism\n7. Hernia of all types\n8. Hydrocele\n9. Non Infective Arthritis\n10. Piles, Fissures and Fistula in anus\n11. Pilonidal sinus, Sinusitis and related disorders\n12. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident\n13. Skin Disorders\n14. Stone in Gall Bladder and Bile duct, excluding malignancy\n15. Stones in Urinary system\n16. Treatment for Menorrhagia/Fibromyoma, Myoma and Prolapsed uterus\n17. Varicose Veins and Varicose Ulcers\n18. Renal Failure\n19. Puberty and Menopause related Disorders\n20. Behavioural and Neuro-Develop\na) Disorders of adult personality\nb) Disorders of speech and language including stammering, dyslexia\n21. HIV Disorders:\nii. 36Months waiting period\n1. Joint Replacement due to Degenerative Condition\n2. Age-related Osteoarthritis & Osteoporosis\n3. Treatment of HIV illness, stress or psychological disorders and neurodegenerative disorders.\n4. Age Related Macular Degeneration (ARMD)\n5. Genetic diseases or disorders","sources":[{"clause":"13(e)(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-13-e-i"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums insured, sixty continuous months applies from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"15(d)(vii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-d-vii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The policyholder has the choice to port the policy from one insurer to another and transfer credits for sum insured, no claim bonus, specific waiting periods, pre-existing disease waiting period, moratorium period and similar credits from the existing insurer to the acquiring insurer.","display":"Yes, portability with transfer of waiting-period and moratorium credits","note":null,"quote":"A Policyholder has the choice to port his/ her policies from one Insurer to another. The policyholder is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease, Moratorium period etc from the Existing Insurer to the Acquiring Insurer in the previous policy.","sources":[{"clause":"15(d)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-d-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, renewals are available for lifelong","note":"The policy wording also states that a health insurance policy is renewable provided the product is not withdrawn, except for established fraud or non-disclosure or misrepresentation.","quote":"Renewals are available for lifelong.","sources":[{"clause":"1","heading":"ELIGIBILITY","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17465#c-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-stated","value":null,"display":null,"note":"The policy says renewal cannot be denied because claims were made, but it does not state whether premium can be loaded because of claims.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel at any time during the term by giving 7 days notice in writing. For a policy term up to one year, the insurer refunds proportionate premium for the unexpired policy period if no claim was made; for terms more than 1 year, it refunds premium for unexpired policy years where risk coverage has not commenced.","display":"7 days notice; pro-rata refund for unexpired period if no claim","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. ... refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced. ... if you cancel the Policy, the premium shall be computed in accordance with prorate basis for the period the Policy has been in force, provided no claim has occurred up to the date of cancellation.","sources":[{"clause":"15(c)(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-c-ii"},{"clause":"15(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-a-2"},{"clause":"15(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-b-2"},{"clause":"15(e)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-e"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"All medical treatment for the purpose of this insurance must be taken in India only.","display":"India only","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only","sources":[{"clause":null,"heading":"5. Territorial Limit","page":25,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-5-territorial-limit"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"conflicting","value":{"unit":"days","amount":30},"display":"30 days from the date of receipt of the policy document","note":"The policy wording gives the answer above. CIS says: \"within 30 days from the beginning of the policy\".","quote":"A period of 30 days (from the date of receipt of the policy document) is available to the policyholder to review the terms and conditions of the policy.","sources":[{"clause":"15(d)(vii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-d-vii"},{"clause":null,"heading":"Insurance Ombudsman","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17466#c-insurance-ombudsman"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly premium payment","note":"Monthly premium mode has a 15-day grace period; quarterly, half-yearly and annual instalments have 30 days.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases. ... The grace period of fifteen days (where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/half-yearly/annual instalments) is available on the premium due date, to pay the premium","sources":[{"clause":"3.1(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-3-1-c-3"},{"clause":"15(d)(iii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-d-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 18 Years and maximum entry age is 85 years, with above 65 Years at underwriting discretion. Dependent children can enter from 1 Days to 25 years, with Day 01 to 90 days at underwriting discretion.","display":"18 Years to 85 years; dependent children 1 Days to 25 years","note":null,"quote":"Minimum Entry Age: 18 Years\n• Maximum Entry Age: 85 years (above 65 Years will be Underwriting Discretion)\n• Entry Age for Dependent Children- 1 Days to 25 years*\n*Dependent Children of Day 01 to 90 days will be Underwriting Discretion","sources":[{"clause":"1","heading":"ELIGIBILITY","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17465#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["monthly","quarterly","half-yearly","annual"],"display":"monthly, quarterly, half-yearly, annual","note":"The clause appears under premium payment in instalments.","quote":"The grace period of fifteen days (where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/half-yearly/annual instalments) is available on the premium due date, to pay the premium","sources":[{"clause":"15(d)(iii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-d-iii"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["ICU Benefit – Max 10 Days","Fractures (Broken Bones) /Burns","Ambulance Cost","Comatose Benefit – Accident Only","Animal Attack Cover","Thirty (30) Days Waiting Period Modification","Accidental Hospitalization","Child Education Benefit","Loan Shield","Assault","Temporary Total Disability","Funeral Expenses","Exclusion Removal"],"display":"ICU Benefit, Fractures/Burns, Ambulance Cost, Comatose Benefit, Animal Attack Cover, 30 Days Waiting Period Modification, Accidental Hospitalization, Child Education Benefit, Loan Shield, Assault, Temporary Total Disability, Funeral Expenses, Exclusion Removal","note":"Several optional covers are available only if specified base coverages such as Personal Accident are opted.","quote":"5 OPTIONAL COVERAGE\n1. ICU Benefit – Max 10 Days ... 2. Fractures (Broken Bones) /Burns ... 3. Ambulance Cost ... 4. Comatose Benefit – Accident Only ... 5. Animal Attack Cover ... 6 Thirty (30) Days Waiting Period Modification ... 7 Accidental Hospitalization ... 8 Child Education Benefit ... 9 Loan Shield ... 10 Assault ... 11 Temporary Total Disability ... 12 Funeral Expenses ... 13 Exclusion Removal","sources":[{"clause":"5","heading":"OPTIONAL COVERAGE","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-5"},{"clause":"5(iv)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-5-iv"},{"clause":"Row 6(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-row-6-c"},{"clause":"6","heading":"Thirty (30) Days Waiting Period Modification","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-6"},{"clause":"7","heading":"Accidental Hospitalization","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-7"},{"clause":"7(iv)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-7-iv"},{"clause":"9","heading":"Loan Shield","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-9"},{"clause":"10","heading":"Assault","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-10"},{"clause":"11","heading":"Temporary Total Disability","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-11"},{"clause":"12","heading":"Funeral Expenses","page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-12"},{"clause":"13","heading":"Exclusion Removal","page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-13"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"If premium is paid in instalments during the policy period, coverage will be available during the grace period.","display":"Covered during grace period if premium is paid in instalments during the policy period","note":null,"quote":"If the premium is paid in installments during the policy period, coverage will be available during such Grace period","sources":[{"clause":"15(d)(iii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463#c-15-d-iii"}],"law":[]},{"key":"daily_amount","label":"Daily amount","section":"Cover","meaning":"The fixed amount paid per day in hospital.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"max_days","label":"Maximum days","section":"Cover","meaning":"Most days paid per admission and per year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"min_stay","label":"Minimum stay","section":"Cover","meaning":"How long you must be in hospital before daily cash starts.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Labour Wage Compensation Insurance Policy - Policy Wordings","pages":38,"fetched_at":"2026-10-17 20:04:13+00","source_url":"https://www.universalsompo.com/assets/file/labour-wage-compensation-insurance-policy/labour-wage-compensation-policy-policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17463"},{"kind":"prospectus","label":"Labour Wage Compensation Insurance Policy - Prospectus / Brochure","pages":27,"fetched_at":"2026-10-17 20:04:14+00","source_url":"https://www.universalsompo.com/assets/file/labour-wage-compensation-insurance-policy/labour-wage-compensation-policy-prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17465"},{"kind":"cis","label":"Labour Wage Compensation Insurance Policy - CIS","pages":12,"fetched_at":"2026-10-17 20:04:16+00","source_url":"https://www.universalsompo.com/assets/file/labour-wage-compensation-insurance-policy/cis-labour-wage-compensation-insurance-policy.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324/document/17466"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Universal Sompo General Insurance official website","url":"https://www.universalsompo.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.universalsompo.com/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claim intimation","url":"https://www.universalsompo.com/claimintimation/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.universalsompo.com/resourse-grievance-redressal/","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew now","url":"https://www.universalsompo.com/renew-now/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Labour Wage Compensation Insurance Policy (UIN UNIHLGP24014V012324), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/labour-wage-compensation-insurance-policy-unihlgp24014v012324"}