{"uin":"UNIHLIP08003V020708","name":"Individual Health Insurance","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708","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":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":"2013-09-30","withdrawn_on":null,"summary":"This is a personal accident benefit policy with Basic, Wider and Comprehensive covers for accidental death and disablement. It has optional Medical Expenses Extension and Hospital Confinement Allowance, worldwide geographical scope unless the schedule says otherwise, and cashless or reimbursement claims through in-house claims management.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:49:03.394111+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":"quote-verified","value":["Basic Cover—Death only","Wider Cover--- Death + Permanent Total Disability + Permanent Partial Disability","Comprehensive Cover ---- Death + Permanent Total Disability + Permanent Partial Disability + Temporary Total Disability"],"display":"Basic Cover, Wider Cover and Comprehensive Cover","note":null,"quote":"The scope of coverage shall depend on the benefit selected by you and as described in the Schedule A) Basic Cover—Death only B) Wider Cover--- Death + Permanent Total Disability + Permanent Partial Disability C) Comprehensive Cover ---- Death + Permanent Total Disability + Permanent Partial Disability + Temporary Total Disability","sources":[{"clause":null,"heading":"WHAT WE COVER","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-what-we-cover"}],"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":"The policy is issued for 12 months from the date of commencement.","display":"12 months from date of commencement of Policy","note":"From the prospectus; the wording defines period of insurance by the Policy Schedule but does not print a fixed term.","quote":"The Policy shall be issued for a period of 12 months from date of commencement of Policy","sources":[{"clause":null,"heading":"POLICY TERM","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17821#c-policy-term"}],"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":"A mishap should be intimated immediately. For cashless treatment from non-network hospitals, prior intimation is required at least 48 hours before planned hospitalization and with 24 hours of emergency hospitalization.","display":"Immediately; for non-network cashless, minimum 48 hours before planned hospitalization and with 24 hours of emergency hospitalization","note":null,"quote":"please intimate the mishap IMMEDIATELY to our Call Centre at Toll Free Numbers on 1-800-22- 4030 (for MTNL/BSNL users) or 1-800-200-4030 (other users) or on chargeable numbers at +91-22- 41659800/+91-22-41659900. Please note that no delay should be allowed to occur in notifying a claim on the policy as the same may prejudice liability. ... 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.","sources":[{"clause":null,"heading":"Claims Disclaimer","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-claims-disclaimer"},{"clause":"G.1","heading":"Procedure for Cashless claims","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-g-1"}],"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, bills and receipts, prescriptions, NEFT details, photo ID, accident MLC/FIR and address/KYC proof","note":"The policy 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.","sources":[{"clause":"G.3(I)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-g-3-i"},{"clause":"G.3(II)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-g-3-ii"},{"clause":"G.3(III)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-g-3-iii"},{"clause":"G.3(IV)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-g-3-iv"},{"clause":"G.3(V)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-g-3-v"},{"clause":"G.3(VI)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-g-3-vi"},{"clause":"G.3(VII)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-g-3-vii"},{"clause":"G.3(VIII)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-g-3-viii"},{"clause":"G.3(IX)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-g-3-ix"},{"clause":"G.3(X)","heading":"For accident Cases","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-g-3-x"},{"clause":"G.3(XI)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-g-3-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 will settle or reject a claim within 15 days from the date of submission of the claim. If investigation is needed, it must be completed not later than 15 days from the date of submission, and delay beyond the stipulated 15 days attracts interest at 2% above the bank rate.","display":"Within 15 days from submission of claim; delay beyond 15 days earns 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. ... 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":"G.3(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-g-3-i-2"},{"clause":"G.3(iii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-g-3-iii-2"},{"clause":"G.3(iv)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-g-3-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":["War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny military or usurped power, confiscation, seizure, capture, assault, restraint, nationalization, civil commotion or loot or pillage in connection herewith.","Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.","Air travel except as a passenger on a recognized airline operating on regular scheduled air routes and air travel by any charter aircraft duly licensed as a recognized air carrier and flown by professional crews between properly established and maintained airports.","Participation in any kind of motor speed contest (including trial, training and qualifying heats)","Biological or chemical contamination","Missiles, bombs, grenades, explosives due to any act of terrorism","Natural Death","Committing or attempting suicide, intentional self-Injury.","Whilst under influence of intoxicating liquor or drugs.","Drug addiction or alcoholism.","Whilst engaged in any adventurous sports and/or hazardous activities.","Committing any breach of law with criminal intent.","Consequential loss of any kind and/or any legal liability","Pregnancy including child birth, miscarriage, abortion or complication arising there from.","Venereal or sexually transmitted diseases."],"display":"War, nuclear/radiation risks, excluded air travel, motor speed contests, biological or chemical contamination, terrorism weapons, natural death, suicide or self-injury, alcohol or drugs, hazardous sports, criminal acts, consequential loss, pregnancy and venereal or sexually transmitted diseases","note":null,"quote":"• War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny military or usurped power, confiscation, seizure, capture, assault, restraint, nationalization, civil commotion or loot or pillage in connection herewith. ... • Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... • Air travel except as a passenger on a recognized airline operating on regular scheduled air routes and air travel by any charter aircraft duly licensed as a recognized air carrier and flown by professional crews between properly established and maintained airports. ... • Participation in any kind of motor speed contest (including trial, training and qualifying heats) ... a) Biological or chemical contamination\nb) Missiles, bombs, grenades, explosives due to any act of terrorism ... • Natural Death ... a) Committing or attempting suicide, intentional self-Injury.\nb) Whilst under influence of intoxicating liquor or drugs.\nc) Drug addiction or alcoholism.\nd) Whilst engaged in any adventurous sports and/or hazardous activities.\ne) Committing any breach of law with criminal intent. ... • Consequential loss of any kind and/or any legal liability\n• Pregnancy including child birth, miscarriage, abortion or complication arising there from. ... • Venereal or sexually transmitted diseases.","sources":[{"clause":"E.1","heading":"Specific Definitions","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-e-1"}],"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. If the resolution does not meet expectations, write to the Grievance Id, and if still not satisfied or no response is received within 15 working days, write or email the Chief Grievance Redressal Officer before approaching the Insurance Ombudsman.","display":"Customer Service, then Grievance Cell, then Chief Grievance Redressal Officer","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, you can address Your grievance as follows: ... Step 1: Contact us ... If the resolution you received, does not meet your expectations, you can directly write to our Grievance Id. ... In case, you are not satisfied with the decision/resolution of the above office or have not received any response within 15 working days, you may write or email to:","sources":[{"clause":"11","heading":"Grievances","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-11"},{"clause":null,"heading":"Step 1: Contact us","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-step-1-contact-us"},{"clause":null,"heading":"Step 2: Grievance Cell","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-step-2-grievance-cell"},{"clause":null,"heading":"Step 3: Chief Grievance Redressal Officer","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-step-3-chief-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":"The prospectus fixes the sum insured by income: Death only cover is 10 times yearly income; Wider Cover is 05 times yearly income; Comprehensive Cover is 05 times yearly income with Rs 500,000/- max.","display":"Death only: 10 times yearly Income; Wider: 05 times yearly Income; Comprehensive: 05 times yearly Income (Rs 500,000/- max)","note":"This is for the personal accident Capital Sum Insured, not a health indemnity sum insured slab.","quote":"Death only cover | ---10 times the yearly Income\nWider Cover | --- 05 times the yearly Income\nComprehensive Cover | --- 05 times the yearly Income (Rs 500,000/- max)","sources":[{"clause":null,"heading":"FIXING OF SUM INSURED","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17821#c-fixing-of-sum-insured"}],"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":"not-applicable","value":null,"display":null,"note":"The documents show a personal accident benefit policy covering accidental bodily Injury, not illness claims with an initial illness waiting period.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"The documents show a personal accident benefit policy; pre-existing disease waiting periods for illness cover do not apply to the base accident benefit.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"The documents show a personal accident benefit policy, not a health indemnity policy with specific illness or procedure waiting periods.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"The documents show a personal accident benefit policy, not a health indemnity policy with a list of specific illnesses subject to waiting periods.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"The product documented is a personal accident benefit policy, not a health insurance policy with a moratorium period for health claims.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"The product documented is a personal accident policy; health insurance portability to another insurer with waiting-period credit is not applicable.","quote":null,"sources":[],"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":"No maximum renewal age","note":"From the prospectus; fresh entry is restricted separately.","quote":"No maximum renewal age under the Policy.","sources":[{"clause":null,"heading":"ELIGIBILITY","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17821#c-eligibility"}],"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 claims were made. Premium may be revised for the entire product portfolio if the adverse claims ratio is 130%-150%, subject to IRDA approval, but no loading applies based on the insured's individual claims experience.","display":"No individual claim-based loading; portfolio premium may be revised at 130%-150% adverse claims ratio with IRDA approval","note":null,"quote":"Renewal shall not be denied on the ground that the insured had made a claim or claims in the preceding policy years ... Premium of the Policy may be revised if adverse claims ratio of the entire product portfolio shall fall into range of 130%-150% subject to approval from IRDA. No loading shall be applied on Your individual claims experience basis","sources":[{"clause":"3","heading":"Renewal","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-3"}],"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":"quote-verified","value":["War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny military or usurped power, confiscation, seizure, capture, assault, restraint, nationalization, civil commotion or loot or pillage in connection herewith.","Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.","The radioactive, toxic, explosive or the hazardous properties of any nuclear assembly or nuclear component.","Air travel except as a passenger on a recognized airline operating on regular scheduled air routes and air travel by any charter aircraft duly licensed as a recognized air carrier and flown by professional crews between properly established and maintained airports.","Participation in any kind of motor speed contest (including trial, training and qualifying heats)","Biological or chemical contamination","Missiles, bombs, grenades, explosives due to any act of terrorism","Natural Death","Committing or attempting suicide, intentional self-Injury.","Whilst under influence of intoxicating liquor or drugs.","Drug addiction or alcoholism.","Whilst engaged in any adventurous sports and/or hazardous activities.","Committing any breach of law with criminal intent.","Participation in any naval, military or air force operations.","Curative treatments or interventions","Venereal or sexually transmitted diseases."],"display":"Product exclusions include war, nuclear/radiation risks, excluded air travel, speed contests, terrorism-related contamination or explosives, natural death, self-injury, alcohol or drugs, hazardous activities, criminal acts, naval/military/air force operations, curative treatments and venereal or sexually transmitted diseases","note":"The documents do not use IRDAI standard exclusion codes Excl04 to Excl18; these are the product's own exclusions.","quote":"• War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny military or usurped power, confiscation, seizure, capture, assault, restraint, nationalization, civil commotion or loot or pillage in connection herewith. ... • Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... • The radioactive, toxic, explosive or the hazardous properties of any nuclear assembly or nuclear component. ... • Air travel except as a passenger on a recognized airline operating on regular scheduled air routes and air travel by any charter aircraft duly licensed as a recognized air carrier and flown by professional crews between properly established and maintained airports. ... • Participation in any kind of motor speed contest (including trial, training and qualifying heats) ... a) Biological or chemical contamination\nb) Missiles, bombs, grenades, explosives due to any act of terrorism ... • Natural Death ... a) Committing or attempting suicide, intentional self-Injury.\nb) Whilst under influence of intoxicating liquor or drugs.\nc) Drug addiction or alcoholism.\nd) Whilst engaged in any adventurous sports and/or hazardous activities.\ne) Committing any breach of law with criminal intent. ... • Participation in any naval, military or air force operations.\n• Curative treatments or interventions\n• Venereal or sexually transmitted diseases.","sources":[{"clause":"E.1","heading":"Specific Definitions","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-e-1"}],"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 insured may cancel by giving 7 days' written notice. If no claim has been made, the company refunds premium for the unexpired policy period proportionately based on unexpired days; if a claim has been made in the current policy year, premium for the remaining policy year(s) will be refunded on cancellation.","display":"7 days’ written notice; proportionate refund for unexpired days if no claim; if claim made, premium for remaining policy year(s) refunded","note":null,"quote":"The Insured may cancel this Policy by giving 7 days’ written notice, and in such an event, the Company shall refund premium for the unexpired Policy Period as per the rates detailed below.\na) If no claim has been made during the policy period, a proportionate refund of the premium will be issued based on the number of unexpired days. The date of cancellation request will be considered as expiry date of coverage\nb) If the claim has been made in the current policy year, the premium for the remaining policy year(s) will be refunded on cancellation","sources":[{"clause":"5","heading":"Cancellation","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-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":"The geographical scope is worldwide unless otherwise stated in the Policy Schedule, but claims are settled in India in Indian rupees.","display":"Worldwide unless otherwise stated in the Policy schedule; claims settled in India in Indian rupees","note":null,"quote":"The geographical scope of this Policy will be worldwide unless otherwise stated in the Policy schedule; however the claims shall be settled in India in Indian rupees.","sources":[{"clause":"18","heading":"Geographical Scope","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-18"}],"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":"quote-verified","value":{"unit":"days","amount":30},"display":"at least 30 days from the date of receipt of the Policy","note":null,"quote":"You will be allowed a period of at least 30 days from the date of receipt of the Policy to review the terms and conditions of the Policy and to return the same if not acceptable","sources":[{"clause":"4(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-4-i"}],"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 from the due date of renewal","note":"A definition also says the grace period is fifteen days for monthly premium payment mode and thirty days in all other cases; the prospectus says the premium is payable in single installment.","quote":"We shall provide for a mechanism to condone a delay in renewal up to 30 days from the due date of renewal without deeming such condonation as a break in policy.","sources":[{"clause":"3","heading":"Renewal","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-3"}],"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":"Enrollment age is from 5 years to 65 years. Fresh proposals for persons above 65 years till 75 years may be accepted with 20% loading, no fresh proposal is accepted beyond 75 years, and the proposer must be 18 years or above.","display":"5 years to 65 years; above 65 till 75 years with 20% loading; no fresh proposal beyond 75 years","note":"From the prospectus.","quote":"The enrollment age under the Policy is from 5 years to 65 years. Fresh proposals for persons above 65 years till 75 years of age may be accepted with 20% loading on premium. ➢ No fresh proposal beyond 75 years. ➢ Proposer needs to be aged 18 years or above.","sources":[{"clause":null,"heading":"ELIGIBILITY","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17821#c-eligibility"}],"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":["single installment"],"display":"single installment","note":"From the prospectus.","quote":"The premium under the Policy shall be payable in single installment","sources":[{"clause":null,"heading":"PREMIUM DETAILS","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17821#c-premium-details"}],"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":["Medical Expenses Extension","Hospital Confinement Allowance"],"display":"Medical Expenses Extension and Hospital Confinement Allowance","note":"These add-ons apply only to the Comprehensive Policy and require additional premium shown in the Schedule.","quote":"Add-on Covers: (applicable only to Comprehensive Policy and on receipt of additional premium specifically shown under the Schedule) ... A) Medical Expenses Extension: In consideration of payment of additional premium as shown in the Schedule, the Policy is extended to cover the Medical Expenses Reasonably and customarily incurred by you towards Medical Expenses as a result of an Accident resulting in the bodily Injury, death or disablement. ... Hospital Confinement Allowance: In consideration of payment of additional premium as shown in the Schedule, we undertake to pay a daily allowance of Rs 500/- per day to a maximum of 30 days if you or any of the Insured Person(s) is hospitalised as a result of an Accident resulting in the bodily Injury, death or disablement.","sources":[{"clause":null,"heading":"WHAT WE COVER","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-what-we-cover-2"},{"clause":null,"heading":"A) Medical Expenses Extension","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-a-medical-expenses-extension"},{"clause":null,"heading":"Hospital Confinement Allowance","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-hospital-confinement-allowance"}],"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":"Coverage need not be available during the grace period or during a condoned delay in renewal.","display":"Coverage need not be available during the grace period","note":null,"quote":"Coverage need not be available during the period for which no premium is received. ... We shall provide for a mechanism to condone a delay in renewal up to 30 days from the due date of renewal without deeming such condonation as a break in policy. However coverage need not be available for such period.","sources":[{"clause":null,"heading":"Emergency Care","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-emergency-care"},{"clause":"3","heading":"Renewal","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825#c-3"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Individual Health Insurance - Policy Wording","pages":18,"fetched_at":"2026-10-17 20:17:08+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/individual-health-insurance/policy-wording.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17825"},{"kind":"wording","label":"Individual Health Insurance (IRDAI copy)","pages":16,"fetched_at":"2026-10-20 02:24:17+00","source_url":"https://irdai.gov.in/documents/37343/931203/Individual+Health+Insurance_2013-2014.pdf/09686d2e-2781-a224-bc21-c84723b3040c?version=1.1&t=1668248035814&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/28238"},{"kind":"prospectus","label":"Individual Health Insurance - Prospectus/Sales Literature","pages":9,"fetched_at":"2026-10-17 20:17:05+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/individual-health-insurance/prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708/document/17821"}],"versions":[{"uin":"IRDA/NL-HLT/USGI/P-H/V.I/52/13-14","version":null,"approved_on":null},{"uin":"UNIHLIP08003V020708","version":null,"approved_on":null}],"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":"Individual Health Insurance (UIN UNIHLIP08003V020708), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-health-insurance-unihlip08003v020708"}