{"uin":"UNIHLGP27044V012627","name":"DUAL INSURANCE","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627","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":"group-health","category_name":"Group health","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Dual Insurance is a group-health combi product with a Universal Sompo health insurance component and a Go Digit Life life insurance component. The health component has sum insured from Rs 5,000 to Rs 1,00,00,000, a 30-day initial illness waiting period, a 36-month PED waiting period and a 60-month moratorium.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:54:15.203195+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":null,"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":"Health component: 1 year, or 1 year to maximum 5 years for credit-linked products. Life component: the master policy continues indefinitely; at member level the term is as per the premium payment option chosen.","display":"Health: 1 year; 1 to maximum 5 years for credit-linked products. Life: master policy continues indefinitely; member term depends on premium payment option.","note":null,"quote":"Policy Period:\n• The tenure of the Policy would be 1 year\n• 1 year to maximum 5 years for credit Linked products ... Policy Term (Coverage Term) | Master policy will continue indefinitely until terminated. At member level, the policy term will be as per Premium Payment Option chosen","sources":[{"clause":"2","heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-2"},{"clause":null,"heading":"Eligibility Conditions","page":52,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-eligibility-conditions"}],"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 emergency hospitalisation, notice must be sent within 24 hours from the date emergency hospitalisation is required or before discharge, whichever is earlier. For planned hospitalisation, notice is required at least 48 hours before admission.","display":"Emergency: within 24 hours or before discharge, whichever is earlier; planned: at least 48 hours before admission.","note":null,"quote":"Notice with full particulars shall be sent to the Company as under: ii Within 24 hours from the date of emergency hospitalization required or before the Insured Person’s discharge from Hospital, whichever is earlier. iii At least 48 hours prior to admission in Hospital in case of a planned Hospitalization.","sources":[{"clause":null,"heading":"3. Notification of Claim","page":49,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-3-notification-of-claim"}],"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.","Latest Loan account statement(s) with NEFT of Financial institution if applicable","Current outstanding Loan certificate(s) from financer, along with the documents submitted if applicable","Loan disbursement letter(s) along with the payment record till the date of Accident if applicable","Repayment schedule showing the EMI details if applicable","Certificate from the employer of the Insured person confirming the retrenchment from employment of the Insured person furnishing the date of retrenchment from employment of the Insured person if applicable","Details of severance remuneration by the employer if applicable"],"display":"Claim form, medical certificate, treatment papers, discharge card, investigation reports, bills and receipts, NEFT/cancelled cheque, photo ID, accident documents and loan/retrenchment documents where applicable.","note":"The document says the list is indicative and further documents may be required.","quote":"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. ... Latest Loan account statement(s) with NEFT of Financial institution if applicable ... Current outstanding Loan certificate(s) from financer, along with the documents submitted if applicable ... Loan disbursement letter(s) along with the payment record till the date of Accident if applicable ... Repayment schedule showing the EMI details if applicable ... Certificate from the employer of the Insured person confirming the retrenchment from employment of the Insured person furnishing the date of retrenchment from employment of the Insured person if applicable ... Details of severance remuneration by the employer if applicable","sources":[{"clause":"18(I)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-i-2"},{"clause":"18(II)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-ii"},{"clause":"18(III)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-iii"},{"clause":"18(IV)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-iv"},{"clause":"18(V)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-v"},{"clause":"18(VI)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-vi"},{"clause":"18(VII)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-vii"},{"clause":"18(VIII)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-viii"},{"clause":"18(IX)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-ix"},{"clause":"18(X)","heading":"For accident Cases","page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-x"},{"clause":"18(XI)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-xi"},{"clause":"18(XII)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-xii"},{"clause":"18(XIII)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-xiii"},{"clause":"18(XIV)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-xiv"},{"clause":"18(XV)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-xv"},{"clause":"18(XVI)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-xvi"},{"clause":"18(XVII)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-xvii"}],"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 completed not later than 15 days from submission, and delay beyond the stipulated 15 days attracts interest at 2% above the bank rate from intimation to payment.","display":"Within 15 days from submission of claim; investigation not later than 15 days; delay interest 2% above bank rate.","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. ... 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":"18(XVII)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18-xvii"}],"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":["Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months","Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 24/36 months","Expenses related to the treatment of any illness within 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 the surgical treatment of obesity that does not fulfil all the below conditions","Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.","Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer","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."],"display":"PED 36 months, specified illnesses 24/36 months, first 30 days illness, diagnostics/evaluation, rest cure, obesity surgery conditions, change of gender, cosmetic surgery, professional adventure sports, breach of law, excluded providers, substance abuse, OPD and treatment outside India.","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months ... Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 24/36 months ... Expenses related to the treatment of any illness within 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 the surgical treatment of obesity that does not fulfil all the below conditions: ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... 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 ... Any expenses incurred on OPD treatment.\n2. Treatment taken outside the geographical limits of India.","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases (Code- Excl01)","page":36,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-excl01"},{"clause":"Excl02(a)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-excl02-a"},{"clause":"Excl03","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":37,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-excl03"},{"clause":"Excl04","heading":"Investigation & Evaluation (Code- Excl04)","page":37,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-excl04"},{"clause":"Excl05(a)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-excl05-a"},{"clause":"Excl06","heading":"Obesity/ Weight Control (Code- Excl06)","page":38,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender Treatments: (Code- Excl07)","page":38,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery: (Code- Excl08)","page":38,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":38,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-excl09"},{"clause":"Excl10","heading":"Breach of law: (Code- Excl10)","page":38,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-excl10"},{"clause":"8","heading":"Excluded Providers: (Code-Excl11)","page":38,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-8"},{"clause":"9","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and","page":39,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-9"},{"clause":"E.2","heading":"Specific Exclusions","page":39,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-e-2"}],"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":"For the health component, write to Customer Service at Universal Sompo General Insurance Co. Ltd. or email grievance@universalsompo.com, or visit a branch and meet the Grievance Redressal Officer. If not satisfied or no response is received, write or email to the GRO at GRO@universalsompo.com.","display":"First contact Universal Sompo Customer Service or branch GRO; escalate to GRO@universalsompo.com if not satisfied or no response.","note":"For life component grievances, the prospectus also gives Go Digit Life channels separately.","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: ... Email ID: GRO@universalsompo.com","sources":[{"clause":"18","heading":"Redressal of Grievance Resolving Issue","page":46,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-18"},{"clause":null,"heading":"Grievance Redressal Officer","page":46,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#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 5,000 and Maximum Base Cover Sum Insured is Rs 1,00,00,000. The policy can be issued on Individual and Floater Sum Insured basis.","display":"Rs 5,000 to Rs 1,00,00,000; Individual and Floater Sum Insured basis.","note":null,"quote":"Policy offers cover on Individual and Floater Sum Insured basis. ... Minimum Base Cover Sum Insured of the Policy Rs 5,000\n• Maximum Base Cover Sum Insured of the Policy Rs 1,00,00,000","sources":[{"clause":"2","heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-2"}],"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, except claims arising due to an accident","note":"On payment of additional premium, the Initial Waiting Period for Hospitalization Waiver can waive the 30 days waiting period or modify it to 15 days.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. ... 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 there of:\na) Is waived off Or,\nb) Is modified to 15 days.","sources":[{"clause":"Excl03","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":37,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-excl03"},{"clause":"4.3","heading":"Initial Waiting Period for Hospitalization Waiver","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-3"}],"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 PED waiting period can be waived by the optional Pre-Existing Disease Waiting Period Waiver on payment of additional premium.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with us. ... on payment of additional premium, waiting period applicable to all Pre-Existing Diseases for each Insured Person before benefits are payable under the Policy is waived off.","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases (Code- Excl01)","page":36,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-excl01"},{"clause":"4.1","heading":"Pre-Existing Disease Waiting Period Waiver","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-1"}],"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; some listed conditions 36 months","note":"36 months applies to Treatment for joint replacement unless arising from accident, Age-related Osteoarthritis & Osteoporosis, Age-related Macular Degeneration (ARMD), and All Neuro degenerative disorders. On payment of additional premium, the waiting period may be waived or modified to 12 months.","quote":"Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 24/36 months of continuous coverage ... i 24 Months waiting period ... ii 36 Months waiting period ... on payment of additional premium, specific waiting period applicable for any claims in relation to listed conditions, surgeries/treatments as mentioned under Exclusion Code 02:\na) Is waived off Or\nb) Is modified to 12 months.","sources":[{"clause":"Excl02(a)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-excl02-a"},{"clause":"Excl02(e)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-excl02-e"},{"clause":"4.2","heading":"Specific Waiting Period Waiver","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-2"}],"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":["Benign ENT disorders","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tympanoplasty","Hysterectomy","All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps","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","Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.","Varicose Veins and Varicose Ulcers","Treatment for joint replacement unless arising from accident","Age-related Osteoarthritis & Osteoporosis","Age-related Macular Degeneration (ARMD),","All Neuro degenerative disorders"],"display":"Benign ENT disorders, tonsillectomy, adenoidectomy, mastoidectomy, tympanoplasty, hysterectomy, benign tumours/cysts/polyps, BPH, cataract/age-related eye ailments, ulcers, gout/rheumatism, hernia, hydrocele, non-infective arthritis, piles/fissures/fistula, pilonidal sinus/sinusitis, prolapse intervertebral disc/spinal diseases, urinary/gall/bile duct calculi, varicose veins/ulcers, joint replacement, osteoarthritis/osteoporosis, ARMD and neuro degenerative disorders.","note":null,"quote":"i 24 Months waiting period\n1. Benign ENT disorders\n2. Tonsillectomy\n3. Adenoidectomy\n4. Mastoidectomy\n5. Tympanoplasty\n6. Hysterectomy\n7. All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps\n8. Benign prostate hypertrophy\n9. Cataract and age related eye ailments\n10. Gastric/ Duodenal Ulcer\n11. Gout and Rheumatism\n12. Hernia of all types\n13. Hydrocele\n14. Non Infective Arthritis\n15. Piles, Fissures and Fistula in anus\n16. Pilonidal sinus, Sinusitis and related disorders\n17. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident\n18. Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.\n19. Varicose Veins and Varicose Ulcers ii 36 Months waiting period\n1. Treatment for joint replacement unless arising from accident\n2. Age-related Osteoarthritis & Osteoporosis\n3. Age-related Macular Degeneration (ARMD),\n4. All Neuro degenerative disorders","sources":[{"clause":"Excl02(e)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-excl02-e"}],"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":null,"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":null,"heading":"15. Moratorium","page":45,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-15-moratorium"}],"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 insured person can port the policy to other insurers as per IRDAI portability guidelines at least 30 days before, but not earlier than 60 days from, the policy renewal date, and accrued continuity benefits in waiting periods are available if continuously covered without lapses.","display":"Allowed as per IRDAI guidelines, 30 to 60 days before renewal, with accrued continuity benefits in waiting periods.","note":null,"quote":"The insured person will have the option to port the policy to other insurers as per IRDAI guidelines related to portability at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. lf such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an lndian General/Health insurer, the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":null,"heading":"10. Portability","page":44,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-10-portability"}],"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":"Renewals are available for lifelong.","note":null,"quote":"Renewals are available for lifelong.","sources":[{"clause":"2","heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-2"}],"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":"quote-verified","value":"Renewal cannot be denied because the insured made claims in preceding policy years, except for benefit-based policies that terminate after payment. For individual products, renewal premium loadings are at portfolio level and not based on individual policy claim experience.","display":"No individual claim-based renewal loading for individual products; renewal cannot be denied for claims, except benefit policies that terminate after benefit payment.","note":"The loading sentence is expressly stated for individual products.","quote":"An insurer shall not deny the renewal of a health insurance policy on the ground that the insured had made a claim or claims in the preceding policy years, except for benefit based policies where the policy terminates following payment of the benefit covered under the policy like critical illness policy. ... For individual products, the loadings on renewal premium shall be at portfolio and not based upon any individual policy claim experience.","sources":[{"clause":null,"heading":"11. Renewal of Policy","page":44,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-11-renewal-of-policy"}],"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 the policy at any time during the term by giving 7 days' written notice. For policies up to one year, proportionate premium for the unexpired policy period is refunded if no claim was made; for policies over one year, premium is refunded for unexpired policy years where risk coverage has not commenced.","display":"Cancel anytime with 7 days’ written notice; proportionate unexpired premium if term up to 1 year and no claim; unexpired years for terms over 1 year where risk not commenced.","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 up to 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.","sources":[{"clause":null,"heading":"8. Cancellation","page":44,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-8-cancellation"},{"clause":"E.2(XIII)(a)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-e-2-xiii-a-6"},{"clause":"E.2(XIII)(b)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-e-2-xiii-b-5"}],"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":"Medical treatment must be taken in India only, except in case of Global cover.","display":"India only, except Global cover.","note":"Global Coverage is an extension and applies to medical expenses outside India for not more than 180 consecutive days, subject to diagnosis in India, referral and prior approval.","quote":"All medical treatment for the purpose of this insurance will have to be taken in India only (except in case of Global cover). ... The Company will reimburse for Medical Expenses of the Insured Person incurred outside India for not more than 180 consecutive days up to the sum insured","sources":[{"clause":null,"heading":"5. Territorial Limit","page":47,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-territorial-limit"},{"clause":"4.12","heading":"Global Coverage","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-12"}],"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":"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":"17","heading":"Free Look Period","page":46,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-17"},{"clause":null,"heading":"Insurance Ombudsman","page":25,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5388#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":15},"display":"15 days for monthly instalments; 30 days for quarterly/half-yearly/annual instalments","note":"The health component states fifteen days for monthly instalments and thirty days for quarterly/half-yearly/annual instalments; the life component states 15 days for monthly frequency and 30 days in other applicable frequencies.","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) ... A grace period of 15 days in respect of monthly frequency and 30 days in other applicable frequencies from the instalment premium due date will be provided","sources":[{"clause":"E.2(XIII)(b)(i)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-e-2-xiii-b-i"},{"clause":"Row 4(c)","heading":null,"page":67,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-row-4-c-2"}],"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 has no limit, with underwriting discretion above 65 years. Dependent children can enter from 3 months to 26 years.","display":"Adults: 18 years to no limit; above 65 years at underwriting discretion. Dependent children: 3 months to 26 years.","note":null,"quote":"• Minimum Entry Age: 18 Years\n• Maximum Entry Age: No limit (above 65 Years will be Underwriting Discretion)\n• Entry Age for Dependent Children- 3 Months to 26 years","sources":[{"clause":"2","heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-2"}],"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 and annual.","note":"The life component also allows Single Pay for the Single Premium option.","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) ... Premium Payment Frequency | Yearly, Half-Yearly, Quarterly, Monthly for Limited Pay and Regular Pay Single Pay for Single Premium option","sources":[{"clause":"E.2(XIII)(b)(i)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-e-2-xiii-b-i"},{"clause":null,"heading":"Eligibility Conditions","page":52,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-eligibility-conditions"}],"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":["Pre-Existing Disease Waiting Period Waiver","Specific Waiting Period Waiver","Initial Waiting Period for Hospitalization Waiver","Obesity/ Weight Control Expenses Extension","Change-of-Gender Treatments Expenses Extension","Cosmetic or Plastic Surgery Expenses Extension","Hazardous or Adventure Sports Expenses Extension","Sterility and Infertility Treatment Expenses Extension","Maternity Expenses Extension with Baby-Day-One Cover","OPD Expenses Extension","Maternity OPD Expenses Extension","Global Coverage","Non-medical Expenses Cover","Treatments related to maternity complications and life-threatening conditions","Loss of Job due to illness and injury and/or Retrenchment","Critical Illness","Additional Ambulance Charges","Corporate Buffer","Organ Donor Expenses","Daily Cash Cover","Restoration of Sum Insured","Wellness Benefits","Vision Care","Emergency Assistance Services","Accident Benefit Cover","Dental Treatment Cover","Medically Advised Support Devices","Benefit Cover for Pandemic/Epidemic Diseases (including COVID-19)","External Congenital Ailment Cover","Cost of Health Check up","Hospital Cash to Parents","Funeral Expenses","No Claim Bonus","Second Opinion","Home Care Treatment","Loss of Income","EMI Protection","Errors & Omissions","Global coverage including Travelling Cost, Boarding and Lodging for treatment outside India","Annual cancer screening for Cancer diagnosed patients","Preferred Hospital Coverage","Addition of Critical Illness","E consultation Services","Bereavement Cover","Snake Bite Cover","Caretaker Charges"],"display":"Optional extensions and add-ons include waiting-period waivers, maternity, OPD, global cover, non-medical expenses, critical illness, ambulance, corporate buffer, organ donor, daily cash, restoration, wellness, accident, dental, pandemic, health check-up, home care, EMI/loss of income, cancer screening, preferred hospitals, e-consultation, bereavement, snake bite and caretaker charges.","note":"External Congenital Ailment Cover is described in the text of clause 514962 after Benefit Cover for Pandemic/Epidemic Diseases. Global coverage including Travelling Cost, Boarding and Lodging for treatment outside India is described in clause 514976 after Errors & Omissions.","quote":"4.1 Pre-Existing Disease Waiting Period Waiver ... 4.2 Specific Waiting Period Waiver ... 4.3 Initial Waiting Period for Hospitalization Waiver ... 4.4 Obesity/ Weight Control Expenses Extension ... 4.5 Change-of-Gender Treatments Expenses Extension ... 4.6 Cosmetic or Plastic Surgery Expenses Extension ... 4.7 Hazardous or Adventure Sports Expenses Extension ... 4.8 Sterility and Infertility Treatment Expenses Extension ... 4.9 Maternity Expenses Extension with Baby-Day-One Cover ... 4.10 OPD Expenses Extension ... 4.11 Maternity OPD Expenses Extension ... 4.12 Global Coverage ... 4.13 Non-medical Expenses Cover ... 4.14 Treatments related to maternity complications and life-threatening conditions ... 4.15 Loss of Job due to illness and injury and/or Retrenchment ... Unless otherwise specified, the liability under these add-on sections shall be over and above the limit of liability under 3. Base Cover. ... 5.1 Critical Illness ... 5.2 Additional Ambulance Charges ... 5.3 Corporate Buffer ... 5.4 Organ Donor Expenses ... 5.5 Daily Cash Cover ... 5.6 Restoration of Sum Insured ... 5.7 Wellness Benefits ... 6 Vision Care ... 5.8 Emergency Assistance Services ... 5.9 Accident Benefit Cover ... 5.10 Dental Treatment Cover ... 5.11 Medically Advised Support Devices ... 5.12 Benefit Cover for Pandemic/Epidemic Diseases (including COVID-19) ... 5.14 Cost of Health Check up ... 5.15 Hospital Cash to Parents ... 5.16 Funeral Expenses ... 5.17 No Claim Bonus ... 5.18 Second Opinion ... 5.19 Home Care Treatment ... 5.20 Loss of Income ... 5.21 EMI Protection ... 5.22 Errors & Omissions ... 5.24 Annual cancer screening for Cancer diagnosed patients ... 5.25 Preferred Hospital Coverage ... 5.26 Addition of Critical Illness ... 5.27 E consultation Services ... 5.28 Bereavement Cover ... 5.29 Snake Bite Cover ... 5.30 Caretaker Charges","sources":[{"clause":"4.1","heading":"Pre-Existing Disease Waiting Period Waiver","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-1"},{"clause":"4.2","heading":"Specific Waiting Period Waiver","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-2"},{"clause":"4.3","heading":"Initial Waiting Period for Hospitalization Waiver","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-3"},{"clause":"4.4","heading":"Obesity/ Weight Control Expenses Extension","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-4"},{"clause":"4.5","heading":"Change-of-Gender Treatments Expenses Extension","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-5"},{"clause":"4.6","heading":"Cosmetic or Plastic Surgery Expenses Extension","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-6"},{"clause":"4.7","heading":"Hazardous or Adventure Sports Expenses Extension","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-7"},{"clause":"4.8","heading":"Sterility and Infertility Treatment Expenses Extension","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-8"},{"clause":"4.9","heading":"Maternity Expenses Extension with Baby-Day-One Cover","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-9"},{"clause":"4.10","heading":"OPD Expenses Extension","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-10"},{"clause":"4.11","heading":"Maternity OPD Expenses Extension","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-11"},{"clause":"4.12","heading":"Global Coverage","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-12"},{"clause":"4.13","heading":"Non-medical Expenses Cover","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-13"},{"clause":"4.14","heading":"Treatments related to maternity complications and life-threatening conditions","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-14"},{"clause":"4.15","heading":"Loss of Job due to illness and injury and/or Retrenchment","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-4-15"},{"clause":"5","heading":"Add-Ons","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5"},{"clause":"5.1","heading":"Critical Illness","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-1"},{"clause":"5.2","heading":"Additional Ambulance Charges","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-2"},{"clause":"5.3","heading":"Corporate Buffer","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-3"},{"clause":"5.4","heading":"Organ Donor Expenses","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-4"},{"clause":"5.5","heading":"Daily Cash Cover","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-5"},{"clause":"5.6","heading":"Restoration of Sum Insured","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-6"},{"clause":"5.7","heading":"Wellness Benefits","page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-7"},{"clause":"6","heading":"Vision Care","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-6"},{"clause":null,"heading":"5.8 Emergency Assistance Services","page":20,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-8-emergency-assistance-services"},{"clause":null,"heading":"5.9 Accident Benefit Cover","page":21,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-9-accident-benefit-cover"},{"clause":null,"heading":"5.10 Dental Treatment Cover","page":25,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-10-dental-treatment-cover"},{"clause":null,"heading":"5.11 Medically Advised Support Devices","page":25,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-11-medically-advised-support-devices"},{"clause":null,"heading":"5.12 Benefit Cover for Pandemic/Epidemic Diseases (including COVID-19)","page":26,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-12-benefit-cover-for-pandemic-epidemic-disease"},{"clause":null,"heading":"5.14 Cost of Health Check up","page":26,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-14-cost-of-health-check-up"},{"clause":null,"heading":"5.15 Hospital Cash to Parents","page":26,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-15-hospital-cash-to-parents"},{"clause":null,"heading":"5.16 Funeral Expenses","page":26,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-16-funeral-expenses"},{"clause":null,"heading":"5.17 No Claim Bonus","page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-17-no-claim-bonus"},{"clause":null,"heading":"5.18 Second Opinion","page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-18-second-opinion"},{"clause":null,"heading":"5.19 Home Care Treatment","page":28,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-19-home-care-treatment"},{"clause":null,"heading":"5.20 Loss of Income","page":28,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-20-loss-of-income"},{"clause":null,"heading":"5.21 EMI Protection","page":28,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-21-emi-protection"},{"clause":null,"heading":"5.22 Errors & Omissions","page":28,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-22-errors-omissions"},{"clause":null,"heading":"5.24 Annual cancer screening for Cancer diagnosed patients","page":29,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-24-annual-cancer-screening-for-cancer-diagnose"},{"clause":null,"heading":"5.25 Preferred Hospital Coverage","page":29,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-25-preferred-hospital-coverage"},{"clause":null,"heading":"5.26 Addition of Critical Illness","page":30,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-26-addition-of-critical-illness"},{"clause":null,"heading":"5.27 E consultation Services","page":32,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-27-e-consultation-services"},{"clause":null,"heading":"5.28 Bereavement Cover","page":32,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-28-bereavement-cover"},{"clause":null,"heading":"5.29 Snake Bite Cover","page":32,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-29-snake-bite-cover"},{"clause":null,"heading":"5.30 Caretaker Charges","page":32,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627/document/5390#c-5-30-caretaker-charges"}],"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 is available during the grace period.","display":"Coverage is available during the grace period for instalment 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group.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"prospectus","label":"DUAL INSURANCE - Sales Brochures (Prospectus)","pages":92,"fetched_at":"2026-10-17 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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":"DUAL INSURANCE (UIN UNIHLGP27044V012627), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/dual-insurance-unihlgp27044v012627"}