{"uin":"UNIHLIP14005V011314","name":"Hospital Cash Insurance Policy","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314","insurer":{"slug":"universal-sompo-general-insurance","name":"Universal Sompo General Insurance Company Limited","url":"https://indiainsurances.com/insurer/universal-sompo-general-insurance"},"line":"health","category":"hospital-cash","category_name":"Hospital daily cash","irdai_type":null,"kind":"product","status":"active","approved_on":"2014-02-17","withdrawn_on":null,"summary":"Hospital Cash Insurance Policy is a health benefit product that pays fixed daily allowances for hospital confinement and two times the daily allowance for ICU stay. The daily amount options are Rs 500 to Rs 3000 per day, with conflicts in the documents on the PED waiting period and free-look period.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:47:41.501333+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents state benefit options by daily amount, but do not state named plans.","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":"The policy can be taken for one, two or three years. Benefits are applicable only on an annual basis even if a 2-year or 3-year policy is bought.","display":"1, 2 or 3 years","note":"Policy wording states 2-year and 3-year long-term policy discounts; the prospectus states the full 1, 2 and 3 year options.","quote":"The Policy can be taken for a period of one, two or three years and discount as under would be provided when the policy is bought from us for longer terms by paying premium in a single installment ... Even If the policy is purchased for 2years/3 years at once by paying the premium in one instalment, the Benefits will be applicable only on annual basis of the policy.","sources":[{"clause":"4","heading":"Additional Benefits under the Policy","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17898#c-4"}],"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":"Claims should be intimated immediately. For non-network cashless treatment, prior intimation is required minimum 48 hours before planned hospitalisation and with 24 hours of emergency admission.","display":"Immediately; for non-network cashless, minimum 48 hours before planned admission and with 24 hours of emergency admission","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 or email at contactclaims@universalsompo.com. ... 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":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-claims-disclaimer"},{"clause":null,"heading":"Step V","page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-step-v"}],"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","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","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, treatment papers, discharge card and indoor case papers, investigation reports, hospital bills and receipts, medicine and practitioner bills with prescription, photo ID, MLC/FIR for accidents, and KYC/address proof","note":"The list is stated as indicative; further documents may be asked for.","quote":"I) Claim form duly filled and signed by the Insured. II) All treatment papers of current ailment including previous treatment papers if any. III) Original Discharge Card from the hospital, Indoor Case Papers. IV) All original medical Investigation reports (viz. X-ray, ECG, Blood test etc). V) Original hospital bill and receipts. VI) Original bills of chemist, medical practitioner, medical investigation, etc. supported by the doctor’s prescription. VII) Valid Photo ID Proof of the patient. VIII) For accident Cases: MLC (Medico Legal Certificate)/ FIR (First Information report). IX) 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":null,"heading":"Step V","page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-step-v"}],"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 payment is delayed beyond the stipulated 15 days, interest is payable at 2% above the bank rate from intimation to payment.","display":"Settle or reject within 15 days from submission of claim; delayed payment carries interest at 2% above bank rate","note":"Where the claim warrants investigation, the company shall initiate and complete it not later than 15 days from claim submission.","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. ... 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":null,"heading":"4. Claim Settlement (provision for Penal Interest)","page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-4-claim-settlement-provision-for-penal-interest"}],"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":["Sickness requiring Hospitalisation within the first 30 days from the commencement date of the Policy Period","Pre-existing diseases will not be covered until 36 months of continuous coverage have elapsed","Treatment of specified diseases within the first one year from the commencement of the Policy","Any sickness that has been classified as an Epidemic by the Central or State Government","From intentional self-injury, suicide or attempted suicide","Whilst under the influence of liquor or drugs or other intoxicants","Whilst engaging in aviation or ballooning","Directly or indirectly, caused by venereal disease","Due to war or ionizing radiation or nuclear perils","Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy (except Ectopic Pregnancy)","Any treatment not performed by a Physician or any treatment of a purely experimental nature","Dental treatment or surgery of any kind unless necessitated by Accidental Bodily Injury"],"display":"Main exclusions include the 30-day initial sickness waiting period, 36-month PED waiting period, 1-year specified disease waiting period, epidemic sickness, self-injury, intoxication, aviation or ballooning, venereal disease, war or nuclear perils, pregnancy or childbirth except ectopic pregnancy, experimental/non-physician treatment, and dental treatment unless accidental.","note":"The 30-day initial sickness waiting period is stated in the CIS; the main policy wording excerpt supplied for the current wording does not separately list it.","quote":"Sickness requiring Hospitalisation within the first 30 days from the commencement date of the Policy Period unless the Policy is renewed without interruption with the Company or the policy is a renewal of similar health insurance policy from any of the other Indian insurers and We have accepted your proposal with portability. ... Pre-existing diseases will not be covered until 36 months of continuous coverage have elapsed, since inception of the first Policy with Us; ... Treatment of following diseases within the first one year from the commencement of the Policy, will not be payable: ... Any sickness that has been classified as an Epidemic by the Central or State Government. ... From intentional self-injury, suicide or attempted suicide. ... Whilst under the influence of liquor or drugs or other intoxicants. ... Whilst engaging in aviation or ballooning ... Directly or indirectly, caused by venereal disease. ... Due to war or ionizing radiation or nuclear perils. ... Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy (except Ectopic Pregnancy). ... Any treatment not performed by a Physician or any treatment of a purely experimental nature. ... Dental treatment or surgery of any kind unless necessitated by Accidental Bodily Injury.","sources":[{"clause":"11","heading":"All kind of Alternate Treatment","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17413#c-11"},{"clause":"E.1","heading":"Specific Exclusions","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#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 General Insurance Co. Ltd. or email grievance@universalsompo.com, or visit a branch Grievance Redressal Officer. If not satisfied or no response is received, write or email Customer Service at GRO@universalsompo.com.","display":"Customer Service at Universal Sompo, grievance@universalsompo.com or branch GRO first; then GRO@universalsompo.com","note":null,"quote":"Write to:\nCustomer Service Universal Sompo General Insurance Co.Ltd.\nUnit No. 601 & 602, 6th Floor, Reliable Tech Park,\nThane-Belapur Road, Airoli, Navi Mumbai,\nMaharashtra – 400708\nEmail: 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\nnot received any response, he/she may write or email/mail to:\nCustomer Service\nUniversal Sompo General Insurance Co.Ltd. ... Email ID: GRO@universalsompo.com","sources":[{"clause":null,"heading":"14. Grievances Resolving Issue","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-14-grievances-resolving-issue"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Stated in the CIS; the current policy wording excerpt supplied does not separately list this 30-day waiting period.","quote":"Sickness requiring Hospitalisation within the first 30 days from the commencement date of the Policy Period unless the Policy is renewed without interruption with the Company or the policy is a renewal of similar health insurance policy from any of the other Indian insurers and We have accepted your proposal with portability.","sources":[{"clause":"11","heading":"All kind of Alternate Treatment","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17413#c-11"}],"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":"conflicting","value":{"unit":"months","amount":36},"display":"36 months","note":"POS policy wording says: \"Pre-existing diseases will not be covered until 48 months of continuous coverage have elapsed\".","quote":"Pre-existing diseases will not be covered until 36 months of continuous coverage have elapsed, since inception of the first Policy with Us; ... Pre-existing diseases will not be covered until 48 months of continuous coverage have elapsed, since inception of the first Policy with Us;","sources":[{"clause":"E.1","heading":"Specific Exclusions","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-e-1"},{"clause":"1","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17908#c-1-2"}],"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":"years","amount":1},"display":"1 year","note":"The waiting period does not apply if the insured had continuous and uninterrupted similar health insurance for at least 1 year, with portability credit.","quote":"Treatment of following diseases within the first one year from the commencement of the Policy, will not be payable:","sources":[{"clause":"E.1","heading":"Specific Exclusions","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-e-1"}],"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":["Cataract","Benign Prostatic Hypertrophy","Myomectomy, Hysterectomy unless because of malignancy","Hernia, Hydrocele","Fistula in anus, Piles","Arthritis, gout, rheumatism","Joint replacements unless due to accident","Sinusitis and related disorders","Stones in the urinary and biliary systems","Dilatation and curettage","Skin and all internal tumors/cysts/nodules/polyps of any kind including breast lumps unless malignant/ adenoids and hemorrhoids","Dialysis required for chronic renal failure","Surgery on tonsils and sinuses","Gastric and Duodenal ulcers"],"display":"Cataract; Benign Prostatic Hypertrophy; Myomectomy, Hysterectomy unless because of malignancy; Hernia, Hydrocele; Fistula in anus, Piles; Arthritis, gout, rheumatism; Joint replacements unless due to accident; Sinusitis and related disorders; Stones in the urinary and biliary systems; Dilatation and curettage; Skin and all internal tumors/cysts/nodules/polyps including breast lumps unless malignant/adenoids and hemorrhoids; Dialysis for chronic renal failure; Surgery on tonsils and sinuses; Gastric and Duodenal ulcers","note":null,"quote":"• Cataract\n• Benign Prostatic Hypertrophy\n• Myomectomy, Hysterectomy unless because of malignancy\n• Hernia, Hydrocele\n• Fistula in anus, Piles\n• Arthritis, gout, rheumatism\n• Joint replacements unless due to accident\n• Sinusitis and related disorders\n• Stones in the urinary and biliary systems\n• Dilatation and curettage\n• Skin and all internal tumors/cysts/nodules/polyps of any kind including breast lumps unless malignant/ adenoids and hemorrhoids\n• Dialysis required for chronic renal failure\n• Surgery on tonsils and sinuses\n• Gastric and Duodenal ulcers","sources":[{"clause":"E.1","heading":"Specific Exclusions","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-e-1"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums insured, sixty continuous months applies from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":null,"heading":"10. Moratorium","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-10-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, applying at least 30 days before and not earlier than 60 days from the renewal date. Accrued continuity benefits in waiting periods and credits such as PED, specific waiting periods and moratorium can be transferred.","display":"Porting allowed to other insurers with continuity benefits, application at least 30 days before and not earlier than 60 days from renewal date","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. ... the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability. ... The policyholder is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease, Moratorium period etc. from the Existing Insurer to the Acquiring Insurer in the previous policy.","sources":[{"clause":null,"heading":"8. Portability","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-8-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":"Yes, renewable for lifetime","note":"The current wording states renewal is available provided the product is not withdrawn; the POS wording expressly says renewable for lifetime.","quote":"This policy shall ordinarily be renewable for lifetime except on grounds of fraud, moral hazard or misrepresentation or non‐cooperation by You","sources":[{"clause":null,"heading":"4. Renewal","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17908#c-4-renewal"}],"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":"No loading on premium is applicable on the insured's individual claims experience basis.","display":"No loading on premium based on individual claims experience","note":"The current policy wording states renewal cannot be denied because claims were made, but the no-claim-loading wording appears in the POS wording.","quote":"We also agree that no loading on premium shall be applicable on Your individual claims experience basis.","sources":[{"clause":null,"heading":"4. Renewal","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17908#c-4-renewal"}],"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":["Any sickness that has been classified as an Epidemic by the Central or State Government","From intentional self-injury, suicide or attempted suicide","Self-exposure to needless perils except in an attempt to save human life","Whilst under the influence of liquor or drugs or other intoxicants","Emotional distress","Whilst engaging in aviation or ballooning whilst mounting into, dismounting from or travelling in any aircraft or balloon other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world","Directly or indirectly, caused by venereal disease","Arising or resulting from committing any breach of law with criminal intent or participating in an actual or attempted felony, riot, crime, misdemeanour or civil commotion","Whilst engaging in racing, hunting, mountaineering, ice hockey, winter sports and the like","Due to war or ionizing radiation or nuclear perils","Whilst working in underground mines or explosive mines, electric installation with high tension supply, or as jockey or circus personnel or any such occupations of similar hazard","Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy (except Ectopic Pregnancy)","Any treatment not performed by a Physician or any treatment of a purely experimental nature","Circumcision, cosmetic or aesthetic treatments of any description change of life surgery or treatment, plastic surgery","Dental treatment or surgery of any kind unless necessitated by Accidental Bodily Injury","Hospitalisation for the sole purpose of traction, physiotherapy or any ailment for which hospitalisation is not warranted due to advancement in medical technology","Naval or military operations of the armed forces or air force and participation in operations requiring the use of arms or which are ordered by military authorities for combating terrorists, rebels and the like"],"display":"Permanent exclusions include epidemic sickness, self-injury or suicide, needless peril, intoxication, emotional distress, aviation or ballooning, venereal disease, breach of law or riot/crime, hazardous sports, war or nuclear perils, hazardous occupations, pregnancy or childbirth except ectopic pregnancy, non-physician or experimental treatment, cosmetic/plastic surgery except specified cases, dental treatment unless accidental, traction or unwarranted physiotherapy hospitalisation, and military operations.","note":"The supplied current policy wording does not print IRDAI exclusion codes Excl04 to Excl18.","quote":"Any sickness that has been classified as an Epidemic by the Central or State Government. ... a) From intentional self-injury, suicide or attempted suicide.\nb) Self-exposure to needless perils except in an attempt to save human life.\nc) Whilst under the influence of liquor or drugs or other intoxicants.\nd) Emotional distress\ne) Whilst engaging in aviation or ballooning whilst mounting into, dismounting from or travelling in any aircraft or balloon other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world.\nf) Directly or indirectly, caused by venereal disease.\ne. Arising or resulting from committing any breach of law with criminal intent or participating in an actual or attempted felony, riot, crime, misdemeanour or civil commotion.\nf. Whilst engaging in racing, hunting, mountaineering, ice hockey, winter sports and the like.\ng) Due to war or ionizing radiation or nuclear perils.\nh) Whilst working in underground mines or explosive mines, electric installation with high tension supply, or as jockey or circus personnel or any such occupations of similar hazard.\ni) Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy (except Ectopic Pregnancy).\nj) Any treatment not performed by a Physician or any treatment of a purely experimental nature.\nk) Circumcision, cosmetic or aesthetic treatments of any description change of life surgery or treatment, plastic surgery (unless necessary for the treatment of Illness or accidental Bodily Injury as a direct result of the insured event and performed within 6 months of the same).\nl) Dental treatment or surgery of any kind unless necessitated by Accidental Bodily Injury.\nm) Hospitalisation for the sole purpose of traction, physiotherapy or any ailment for which hospitalisation is not warranted due to advancement in medical technology.\nn) Naval or military operations of the armed forces or air force and participation in operations requiring the use of arms or which are ordered by military authorities for combating terrorists, rebels and the like.","sources":[{"clause":"E.1","heading":"Specific Exclusions","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#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":"conflicting","value":"The policyholder may cancel at any time during the term by giving 7 days notice in writing. If the policy term is up to one year and no claim has been made, the insurer refunds proportionate premium for the unexpired policy period; for policies over one year, it refunds premium for the unexpired policy period where risk coverage for those policy years has not commenced.","display":"7 days notice; proportionate premium for unexpired period if term up to 1 year and no claim; for terms over 1 year, premium for unexpired years where risk has not commenced","note":"POS wording gives a short-period refund table, including for a 1 year cover: 75% within 1 month, 50% from 1 month to 3 months, 25% from 3 month to 6 months and 0% from 6 months to 1 year.","quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Insurer shall\na) refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period.\nb) 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. ... Cover Period | Within 1 month | From 1 month to 3 months | From 3 month to 6 months | From 6 months to 1 year | During 2nd Year | During 3rd Year\n1 year | 75% | 50% | 25% | 0% | NA | NA","sources":[{"clause":null,"heading":"2. Cancellation","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-2-cancellation"},{"clause":null,"heading":"Cancellation Period","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17908#c-cancellation-period"}],"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 territorial scope is India.","display":"India","note":null,"quote":"Territorial Scope: India","sources":[{"clause":"4","heading":"Territorial Scope: India","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17908#c-4"}],"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","note":"POS wording says: \"at least 15 days from the date of receipt 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. ... You will be allowed a period of at least 15 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":null,"heading":"3. Free Look-up period","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-3-free-look-up-period"},{"clause":null,"heading":"3. Free Look-up period","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17908#c-3-free-look-up-period"}],"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","note":"Fifteen days where premium is paid in monthly instalments; thirty days where paid in quarterly, half-yearly or annual instalments.","quote":"The grace period of fifteen days (where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/half-yearly/annual instalments) is available on the premium due date, to pay the premium.","sources":[{"clause":null,"heading":"11. Grace period for payment of premium","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-11-grace-period-for-payment-of-premium"}],"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":"Entry age for the proposer is 18 years to 70 years. Entry age for dependent children is 6 months.","display":"Proposer: 18 to 70 years; dependent children: 6 months","note":"From the prospectus.","quote":"Entry age for you (the proposer) is 18 years and you can opt for this policy up to the age of 70 years. ... Entry age for dependent children is 6 months.","sources":[{"clause":"2","heading":"Eligibility","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17898#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":["Single Premium"],"display":"Single Premium","note":"The grace-period clause also refers to monthly, quarterly, half-yearly and annual instalments, but the schedule states the type of policy as Single Premium.","quote":"Type of Policy: Single Premium","sources":[{"clause":"6","heading":"Type of Policy: Single Premium","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17908#c-6"}],"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":"not-stated","value":null,"display":null,"note":"No optional covers or add-on covers are stated in the supplied clauses.","quote":null,"sources":[],"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 also.","display":"Coverage available during grace period if premium is paid in instalments during the policy period","note":null,"quote":"If the premium is paid in instalments during the policy period, coverage will be available for the grace period also.","sources":[{"clause":null,"heading":"11. Grace period for payment of premium","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-11-grace-period-for-payment-of-premium"}],"law":[]},{"key":"daily_amount","label":"Daily amount","section":"Cover","meaning":"The fixed amount paid per day in hospital.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"max_days","label":"Maximum days","section":"Cover","meaning":"Most days paid per admission and per year.","status":"quote-verified","value":"Hospital Confinement Benefit is paid for a maximum number of days as mentioned in the schedule. The prospectus states that Hospital Cash can be chosen for 15, 30, 45, 60, 90 or 180 days.","display":"15, 30, 45, 60, 90 or 180 days per policy period; per-admission maximum is as mentioned in the Schedule","note":"The maximum per admission is not printed as a fixed number in the policy wording; it refers to the number of days mentioned in the Schedule. From the prospectus for the selectable day options.","quote":"A Daily Allowance, as mentioned in the Schedule, for each continuous and completed period of 24 hours of Hospitalisation for a maximum number of X days as mentioned in the Schedule. ... You can choose to cover Hospital Cash for a fixed no of 15, 30, 45, 60, 90 or 180 days as per your requirement. Other than the above mentioned prescribed no of days, the other combination of days cannot be chosen","sources":[{"clause":null,"heading":"Section 1: Hospital Confinement Benefit","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-section-1-hospital-confinement-benefit"},{"clause":"Section 3","heading":"Convalescence Benefit","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17898#c-section-3"}],"law":[]},{"key":"min_stay","label":"Minimum stay","section":"Cover","meaning":"How long you must be in hospital before daily cash starts.","status":"quote-verified","value":"Hospitalisation means admission for a minimum period of 24 consecutive hours, and the daily allowance is payable for each continuous and completed period of 24 hours of hospitalisation.","display":"24 consecutive hours; paid for each completed 24 hours","note":"Specified procedures or treatments may have admission of less than 24 consecutive hours under the definition of hospitalisation.","quote":"Hospitalisation means admission in a Hospital for a minimum period of 24 in patient Care consecutive hours except for specified procedures/ treatments, where such admission could be for a period of less than 24 consecutive hours. ... A Daily Allowance, as mentioned in the Schedule, for each continuous and completed period of 24 hours of Hospitalisation","sources":[{"clause":"13","heading":"Hospitalisation","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-13"},{"clause":null,"heading":"Section 1: Hospital Confinement Benefit","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412#c-section-1-hospital-confinement-benefit"}],"law":[]}],"documents":[{"kind":"wording","label":"Hospital Cash Insurance Policy - Policy Wordings","pages":23,"fetched_at":"2026-10-17 20:02:14+00","source_url":"https://www.universalsompo.com/assets/file/hospital-cash-insurance-policy/hospital-cash-insurance-policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17412"},{"kind":"wording","label":"POS - Hospital Cash Insurance Policy - Policy Wording","pages":20,"fetched_at":"2026-10-17 20:18:45+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/pos-hospital-cash-insurance-policy/policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17908"},{"kind":"wording","label":"Hospital Cash Insurance Policy (IRDAI copy)","pages":16,"fetched_at":"2026-10-20 02:24:08+00","source_url":"https://irdai.gov.in/documents/37343/931203/Hospital+Cash+Insurance+Policy_2013-2014.pdf/7eae4912-543f-ff0d-9184-65431bf2e4b2?version=1.1&t=1668254153766&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/28231"},{"kind":"prospectus","label":"POS - Hospital Cash Insurance Policy - Prospectus/Sales Literature","pages":10,"fetched_at":"2026-10-17 20:18:38+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/pos-hospital-cash-insurance-policy/prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17898"},{"kind":"cis","label":"Hospital Cash Insurance Policy - CIS","pages":11,"fetched_at":"2026-10-17 20:02:17+00","source_url":"https://www.universalsompo.com/assets/file/hospital-cash-insurance-policy/cis-hospital-cash.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/17413"},{"kind":"premium","label":"POS - Hospital Cash Insurance Policy - Ratechart","pages":null,"fetched_at":"2026-10-17 20:05:50+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/pos-hospital-cash-insurance-policy/rate-chart.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314/document/31923"}],"versions":[{"uin":"IRDA/NL-HLT/USGI/P-H/V.I/25/13-14","version":null,"approved_on":null},{"uin":"UNIHLIP14005V011314","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":"Hospital Cash Insurance Policy (UIN UNIHLIP14005V011314), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/hospital-cash-insurance-policy-unihlip14005v011314"}