{"uin":"UNIHLIP24155V012324","name":"Shakti Care Policy","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324","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":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Shakti Care Policy is an indemnity health policy for surrogate mothers and oocyte donors, with individual sum insured of INR 5,00,000. It covers listed complications, has policy terms of 3 years for surrogate mothers and 1 year for oocyte donors, and is not eligible for renewal.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:54:27.18009+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":["surrogate mother","oocyte donor"],"display":"Surrogate mother; oocyte donor","note":"These are the insured categories for which policy facts differ; the documents do not name separate plans.","quote":"This Policy will be available for 3 years for the surrogate mother & 1 year for the oocyte donor.","sources":[{"clause":"4","heading":"POLICY TENURE","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17478#c-4"}],"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":"3 years for the surrogate mother and 1 year for the oocyte donor.","display":"3 years for surrogate mother; 1 year for oocyte donor","note":null,"quote":"This Policy will be available for 3 years for the surrogate mother & 1 year for the oocyte donor.","sources":[{"clause":"4","heading":"POLICY TENURE","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17478#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":"For non-network cashless claims, prior intimation is required minimum 48 hours before planned hospitalisation and within 24 hours of emergency hospitalisation. For reimbursement, the policy asks the insured to register or inform the claim through the web portal, helpline or email, but does not state a fixed reimbursement intimation deadline.","display":"Non-network cashless: 48 hours before planned admission; within 24 hours of emergency admission","note":null,"quote":"Prior Intimation is required for processing cashless from non-network hospitals: ➢ Inform us (Toll Free Helpline – 1800 200 4030) minimum 48 hours before admission for planned hospitalization and with 24 hours of admission for emergency hospitalization across India. ➢ Mail us at contactus@universalsompo.com","sources":[{"clause":"8","heading":"Claim Procedure","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-8-2"}],"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, hospital bills and receipts, medicine bills, NEFT/cancelled cheque, photo ID, accident MLC/FIR, and address/PAN/Aadhaar documents","note":"The list is stated to be indicative; the insurer may ask for further documents.","quote":"I) Claim form duly filled and signed by the Insured II) Certificate from attending medical practitioner mentioning the first symptoms and date of occurrence of ailment. III) All treatment papers of current ailment including previous treatment papers if any. IV) Original Discharge Card from the hospital, Indoor Case Papers. V) All original medical Investigation reports (viz. X-ray, ECG, Blood test etc). VI) Original hospital bill and receipts. VII) Original bills of chemist, medical practitioner, medical investigation, etc. supported by the doctor’s prescription. VIII) NEFT details and Personalized cancelled cheque/ Passbook copy in the name of proposer for electronic fund transfer. IX) Valid Photo ID Proof of the patient. X) For accident Cases: MLC (Medico Legal Certificate)/ FIR (First Information report). XI) Copy of latest valid address proof of proposer like electricity bill, water bill or telephone bill or updated bank statement along with copy of PAN card & Aadhaar Card as per AML/KYC Norms.","sources":[{"clause":"8","heading":"Claim Procedure","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-8-2"}],"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. The reimbursement procedure also says the outcome will be communicated within 15 days from the date of submission of claim.","display":"Within 15 days from submission of the claim","note":"If payment is delayed beyond the stipulated 15 days, the policy states interest at 2% above the bank rate from intimation to payment.","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. ... Outcome of the claim will be communicated within 15 days from date of Submission of claim.","sources":[{"clause":"7.1(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-7-1-b-5"},{"clause":"8","heading":"Claim Procedure","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-8-2"}],"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":["First 30 days waiting period","Investigation & Evaluation","Rest Cure, rehabilitation, and respite care","Obesity/ Weight Control","Change-of-Gender treatments","Cosmetic or plastic Surgery","Breach of law","Excluded Providers","Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Unproven Treatments","Sterility and Infertility","Any medical treatment taken outside India","Outpatient (OPD) diagnostic, medical and surgical procedures or treatments","Any medical treatment which is not listed under section 4"],"display":"30-day illness waiting period, standard exclusions such as investigation, rest cure, obesity, change of gender, cosmetic surgery, breach of law, excluded providers, alcohol or drug abuse, unproven treatments and sterility/infertility, plus outside-India treatment, OPD procedures and treatment not listed under section 4","note":null,"quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions: ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic surgery or any ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible. ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12 ... Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... Expenses related to sterility and infertility. ... Any medical treatment taken outside India. ... Outpatient (OPD) diagnostic, medical and surgical procedures or treatments, non-prescribed drugs and medical supplies, hormone replacement therapy and expenses related to domiciliary hospitalization shall not be covered. ... Any medical treatment which is not listed under section 4.","sources":[{"clause":"Excl03","heading":"First 30 days waiting period- Code- Excl03","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl03"},{"clause":"Excl04","heading":"Investigation & Evaluation- Code- Excl04","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation, and respite care- Code- Excl05","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control: Code- Excl06","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender treatments: Code- Excl07","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery: Code- Excl08 Expenses for cosmetic or plastic surgery or any","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl08"},{"clause":"Excl10","heading":"Breach of law: Code- Excl10","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers: Code- Excl11","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl11"},{"clause":"Excl16","heading":"Unproven Treatments: Code- Excl16","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl16"},{"clause":"Excl17","heading":"Sterility and Infertility: Code- Excl17","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl17"},{"clause":"Excl17(iv)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl17-iv"},{"clause":"Annexure II","heading":null,"page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-annexure-ii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First write to Customer Service at Universal Sompo General Insurance Co. Ltd., Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708, email grievance@universalsompo.com, or visit the Branch Grievance Redressal Officer. If not satisfied or no response is received, write or email Customer Service at the same address using GRO@universalsompo.com.","display":"Customer Service / Branch GRO first; then GRO at GRO@universalsompo.com","note":null,"quote":"Grievance Resolving Issue Write to:\nCustomer Service Universal Sompo General Insurance Co.Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708 Email: grievance@universalsompo.com\nFor More details, visit – www.universalsompo.com Visit Branch Grievance Redressal Officer (GRO) - Walk into any of our nearest branches and request to meet the GRO. Grievance Redressal Officer In case, the customer is not satisfied with the decision/resolution of the above office or have not received any response, he/she may write or email/mail to:\nCustomer Service Universal Sompo General Insurance Co.Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708 Email ID: GRO@universalsompo.com","sources":[{"clause":"7.1(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-7-1-b-5"}],"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":"A standard sum insured of INR 5,00,000 only.","display":"INR 5,00,000 only","note":null,"quote":"A standard sum insured of INR 5,00,000/- only","sources":[{"clause":"6","heading":"SUM INSURED","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17478#c-6"}],"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":"Does not apply if the insured person has continuous coverage for more than twelve months.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"Excl03","heading":"First 30 days waiting period- Code- Excl03","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl03"}],"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-stated","value":null,"display":null,"note":"The wording defines pre-existing disease and mentions waiting period credits for portability/migration, but does not state a product-specific pre-existing disease waiting period.","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-stated","value":null,"display":null,"note":"The wording defines specific waiting period as a period up to 36 months, but does not state any product-specific specific illness waiting period.","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-stated","value":null,"display":null,"note":null,"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":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"The moratorium applies to sums insured of the first policy; enhanced limits require completion of sixty continuous months from the enhancement date.","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":"7.1(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-7-1-b-3"}],"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 has the option to port the policy to other insurers as per IRDAI portability guidelines, at least 30 days before but not earlier than 60 days from the policy renewal date. Accrued continuity benefits in waiting periods and other credits can be transferred as per the clause.","display":"Yes, to other insurers as per IRDAI guidelines; apply 30 to 60 days before renewal","note":"The same clause states this policy is not eligible for renewal.","quote":"The insured person will have the option to port the policy to other insurers as per IRDAI guidelines related to portability at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. lf such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an lndian General/ Health insurer, the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"7.1(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-7-1-b-3"}],"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":false,"display":"No, not eligible for renewal","note":null,"quote":"Renewal of Policy This policy will not be eligible for renewal.","sources":[{"clause":"7.1(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-7-1-b-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 Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-stated","value":null,"display":null,"note":"The prospectus mentions underwriting risk loading based on proposal declarations and medical tests, but does not state whether renewal premium can be loaded because a claim was made.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation- Code- Excl04","Rest Cure, rehabilitation, and respite care- Code- Excl05","Obesity/ Weight Control: Code- Excl06","Change-of-Gender treatments: Code- Excl07","Cosmetic or plastic Surgery: Code- Excl08","Breach of law: Code- Excl10","Excluded Providers: Code- Excl11","Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12","heath hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error: Code- Excl15","Unproven Treatments: Code- Excl16","Sterility and Infertility: Code- Excl17","Any medical treatment taken outside India","Treatment with alternative medicines","Suicide, Intentional self-injury","Vaccination or inoculation except as post bite treatment for animal bite","Outpatient (OPD) diagnostic, medical and surgical procedures or treatments","Any medical treatment which is not listed under section 4"],"display":"Standard exclusions Excl04 to Excl08, Excl10 to Excl17, plus outside-India treatment, alternative medicines, suicide or intentional self-injury, vaccination except post-bite, OPD procedures and treatment not listed under section 4","note":null,"quote":"Excl04 Investigation & Evaluation- Code- Excl04 ... Excl05 Rest Cure, rehabilitation, and respite care- Code- Excl05 ... Excl06 Obesity/ Weight Control: Code- Excl06 ... Excl07 Change-of-Gender treatments: Code- Excl07 ... Excl08 Cosmetic or plastic Surgery: Code- Excl08 ... Excl10 Breach of law: Code- Excl10 ... Excl11 Excluded Providers: Code- Excl11 ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl12 ... Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. Code- Excl13 ... Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure. Code- Excl14 ... Excl15 Refractive Error: Code- Excl15 ... Excl16 Unproven Treatments: Code- Excl16 ... Excl17 Sterility and Infertility: Code- Excl17 ... Any medical treatment taken outside India. ... Treatment with alternative medicines or Treatment, experimental or any other treatment such as acupuncture, acupressure, magnetic, osteopath, naturopathy, chiropractic, reflexology and aromatherapy. ... Suicide, Intentional self-injury. ... Vaccination or inoculation except as post bite treatment for animal bite. ... Outpatient (OPD) diagnostic, medical and surgical procedures or treatments, non-prescribed drugs and medical supplies, hormone replacement therapy and expenses related to domiciliary hospitalization shall not be covered. ... Any medical treatment which is not listed under section 4.","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation- Code- Excl04","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation, and respite care- Code- Excl05","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control: Code- Excl06","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender treatments: Code- Excl07","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery: Code- Excl08 Expenses for cosmetic or plastic surgery or any","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl08"},{"clause":"Excl10","heading":"Breach of law: Code- Excl10","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers: Code- Excl11","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl11"},{"clause":"Excl15","heading":"Refractive Error: Code- Excl15","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl15"},{"clause":"Excl16","heading":"Unproven Treatments: Code- Excl16","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl16"},{"clause":"Excl17","heading":"Sterility and Infertility: Code- Excl17","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl17"},{"clause":"Excl17(iv)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl17-iv"},{"clause":"Annexure II","heading":null,"page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-annexure-ii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel at any time during the term by giving 7 days written notice. For policies up to one year, the insurer refunds proportionate premium for the unexpired period if no claim has been made; for terms over one year, it refunds premium for unexpired policy years whose risk coverage has not commenced.","display":"7 days notice; proportionate refund for unexpired period if no claim for term up to 1 year; unexpired policy years refund for term over 1 year","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Insurer shall ... refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.","sources":[{"clause":"7.1(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-7-1-b-2"},{"clause":"7.1(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-7-1-a-3"},{"clause":"7.1(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-7-1-b-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Medical treatment taken outside India is excluded, so the cover is for treatment in India.","display":"India only","note":"This is stated as a specific exclusion.","quote":"Any medical treatment taken outside India.","sources":[{"clause":"Excl17(iv)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl17-iv"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"conflicting","value":{"unit":"days","amount":30},"display":"30 days from the date of receipt of the policy document","note":"Policy wording says 30 days from receipt of the policy document. CIS says: 'within 30 days from the beginning of the policy'. The policy wording should prevail according to the CIS.","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. ... within 30 days from the beginning of the policy to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"7.1(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-7-1-b-3"},{"clause":null,"heading":"Insurance Ombudsman","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17482#c-insurance-ombudsman"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly instalments; 30 days for quarterly/half-yearly/annual instalments","note":"The prospectus says the premium is paid up-front before policy inception, and the policy is not eligible for renewal.","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":"7.1(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-7-1-a-4"}],"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":"Age eligibility is 25 years to 35 years. A surrogate mother must be a certificate holder issued by the District Medical Board.","display":"25 years to 35 years","note":null,"quote":"Age eligibility: 25 years to 35 years ... Member insured as Surrogate Mother should be a certificate holder issued by the District Medical Board.","sources":[{"clause":"2","heading":"AGE","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17478#c-2"},{"clause":"1","heading":"ELIGIBILITY CRITERIA","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17478#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["up-front before the policy inception"],"display":"Up-front before policy inception","note":null,"quote":"The premium will be made up-front before the policy inception.","sources":[{"clause":"5","heading":"PREMIUM PAYMENT MODE","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17478#c-5"}],"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 for extra premium are stated in the provided policy wording, prospectus or CIS.","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 the premium is paid in instalments during the policy period, coverage will be available during the grace period also.","display":"Coverage available during grace period if instalment premium is paid during the policy period","note":"The prospectus states the premium is paid up-front before policy inception.","quote":"If the premium is paid in instalments during the policy period, coverage will be available for the grace period also.","sources":[{"clause":"7.1(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-7-1-c-2"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"Room rent, boarding and nursing expenses are covered up to 1% of the Sum Insured per day.","display":"1% of the Sum Insured per day","note":null,"quote":"Room Rent, boarding, nursing expenses of a Qualified Nurse as provided by the Hospital / Nursing Home up to 1% of the Sum Insured per day.","sources":[{"clause":"44(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-44-a"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-stated","value":null,"display":null,"note":"The policy states a percentage room rent limit, not an allowed room category.","quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"ICU or ICCU expenses are covered up to a maximum of 2% of Sum Insured per day.","display":"2% of Sum Insured per day","note":null,"quote":"Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses up to maximum of 2% of Sum Insured per day.","sources":[{"clause":"44(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-44-a"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If admission is to a room, ICU or ICCU at rates above the policy limits, reimbursement or payment of other hospital expenses, except cost of medicines, is reduced in the same proportion as the admissible daily rate bears to the actual daily room, ICU or ICCU charge.","display":"Yes, for room/ICU/ICCU above limit; other expenses except medicines reduced proportionately","note":null,"quote":"In case of admission to a room/ICU/ICCU at rates exceeding the aforesaid limits, the reimbursement/payment of all other expenses incurred at the Hospital, with the exception of cost of medicines, shall be effected in the same proportion as the admissible rate per day bears to the actual rate per day of Room Rent/ICU/ICCU charges.","sources":[{"clause":"44(f)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-44-f"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"Co-payments are nil.","display":"Nil","note":"The CIS gives this financial limit; the policy wording defines co-payment but does not state a percentage.","quote":"Co – Payments – Nil","sources":[{"clause":null,"heading":"B. Specific Exclusions","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17482#c-b-specific-exclusions"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"Deductible is nil.","display":"Nil","note":"The CIS gives this financial limit.","quote":"Deductible – Nil","sources":[{"clause":null,"heading":"B. Specific Exclusions","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17482#c-b-specific-exclusions"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":"The documents state room rent, ICU, ambulance and modern treatment limits, but do not state separate caps for named diseases or procedures such as cataract or knee replacement.","quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 consecutive days prior to admission","note":"Payable only where the claim under Clause 4.1 is admitted and only on reimbursement basis.","quote":"the Company shall also indemnify Pre-Hospitalization Medical Expenses incurred for a fixed period of 30 consecutive days prior to the date of admission of the Insured Person in a Hospital or Day Care Centre upto the Sum Insured for the Policy Year.","sources":[{"clause":"44(f)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-44-f"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 consecutive days post discharge","note":"Payable only where the claim under Clause 4.1 is admitted and only on reimbursement basis.","quote":"the Company shall also indemnify Post-Hospitalization Medical Expenses incurred for a fixed period of 60 consecutive days post the date of discharge of the Insured Person from the Hospital or Day Care Centre upto the Sum Insured for the Policy Year.","sources":[{"clause":"44(f)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-44-f"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"All day care treatments are covered, and the 24 consecutive hours hospitalisation time limit does not apply to day care treatment.","display":"All Day Care Treatments","note":null,"quote":"All Day Care Treatments.\nNote: 1.Expenses of Hospitalization for a minimum period of 24 consecutive hours only shall be admissible. The time limit shall not apply in respect of Day Care Treatment.","sources":[{"clause":"44(f)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-44-f"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary hospitalization expenses are not covered.","display":"Not covered","note":null,"quote":"expenses related to domiciliary hospitalization shall not be covered.","sources":[{"clause":"Excl17(iv)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl17-iv"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"Treatment with alternative medicines is excluded.","display":"Not covered","note":"The policy also defines AYUSH treatment, but the specific exclusion excludes treatment with alternative medicines.","quote":"Treatment with alternative medicines or Treatment, experimental or any other treatment such as acupuncture, acupressure, magnetic, osteopath, naturopathy, chiropractic, reflexology and aromatherapy.","sources":[{"clause":"Excl17(iv)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl17-iv"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"Modern treatments are covered up to 50% of Capital Sum Insured when the hospitalisation claim under Clause 4.1 is admitted and the treatment is medically necessary. The listed treatments include Uterine Artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain Stimulation, Oral Chemotherapy, Immunotherapy, Intra-vitreal injections, Robotic Surgeries, Stereotactic radio Surgeries, Bronchial Thermoplasty, Vaporization of the Prostrate, IONM and hematopoietic stem cell therapy for bone marrow transplant for hematological conditions.","display":"Up to 50% of Capital Sum Insured for listed modern treatments","note":null,"quote":"The Company will reimburse Reasonable and Customary Charges for expenses incurred up to 50% of Capital Sum Insured towards the Insured Person’s treatment provided always that a claim under Clause 4.1 above is admitted and such treatment is a Medically Necessary Treatment as certified by a Medical Practitioner in writing. The treatments include:\na) Uterine Artery Embolization and HIFU (High intensity focused ultrasound)\nb) Balloon Sinuplasty\nc) Deep Brain Stimulation\nd) Oral Chemotherapy\ne) Immunotherapy - Monoclonal Antibody to be given as injection (f) Intra-vitreal injections (g) Robotic Surgeries\n(h) Stereotactic radio Surgeries ... i) Bronchial Thermoplasty\n(j) Vaporization of the Prostrate (Green Laser Treatment or Holmium Laser Treatment\n(k) IONM - (Intra Operative Neuro Monitoring)\n(l) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered.","sources":[{"clause":"44(f)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-44-f"},{"clause":"Row 5(e)(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-row-5-e-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":"The wording mentions No Claim Bonus only as a credit that may be transferred or protected, but does not state a no-claim or cumulative bonus benefit for this policy.","quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"The annexure states that items in List I are payable under the policy, and List I includes gloves, mask and other non-medical or convenience items. The same wording also has a specific exclusion saying non-payable items are placed under List-I, so the document is internally inconsistent.","display":"Internally inconsistent: Annexure says List I payable, but specific exclusion says List-I non-payable","note":"This is a contradiction inside the policy wording, not a conflict between documents.","quote":"Items which are mentioned under List – I are payable under the policy. ... GLOVES ... MASK ... Non-Payable items: The expenses that are not covered in this Policy are placed under List-I of","sources":[{"clause":"9","heading":"Annexure","page":21,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-9-2"},{"clause":"Annexure 1","heading":null,"page":21,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-annexure-1"},{"clause":"Excl17(iv)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl17-iv"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"For surrogate mothers, the policy covers listed complications of pregnancy and abortions, miscarriage and lawful medical termination of pregnancy. It does not state general childbirth or routine maternity cover outside the listed complications.","display":"Listed pregnancy, abortion, miscarriage and lawful medical termination complications for surrogate mothers","note":"The policy is designed for surrogate mothers and oocyte donors.","quote":"The following complications of pregnancy and abortions, miscarriage, and lawful medical termination of pregnancy of the Insured Person shall be covered under this Policy.\nSr No | Complications of delivery\n1 | Perineal tears during childbirth\n2 | Postpartum hemorrhage\n3 | Episiotomy Complications\n4 | Post partum Endometritis\n5 | Postpartum depression/Psychosis\n6 | Anesthesia complications\n7 | Infection or sepsis\n8 | Stroke\n9 | Amniotic fluid embolism\n10 | Postpartum preeclampsia\n11 | Pulmonary edema\n12 | HELLP syndrome\n13 | Heart related complications\n14 | Peripartum (postpartum) cardiomyopathy\n15 | Thrombotic pulmonary embolism (DVT)\n17 | Postpartum Respiratory Failure\nPostpartum peritonitis","sources":[{"clause":"44(f)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-44-f"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"quote-verified","value":"Postpartum depression/Psychosis is one of the listed covered complications for surrogate mothers, subject to the policy terms and hospitalisation cover.","display":"Postpartum depression/Psychosis covered as a listed complication","note":"The policy does not state a broader mental illness benefit.","quote":"5 | Postpartum depression/Psychosis","sources":[{"clause":"44(f)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-44-f"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"OPD diagnostic, medical and surgical procedures or treatments are not covered.","display":"Not covered","note":null,"quote":"Outpatient (OPD) diagnostic, medical and surgical procedures or treatments, non-prescribed drugs and medical supplies, hormone replacement therapy and expenses related to domiciliary hospitalization shall not be covered.","sources":[{"clause":"Excl17(iv)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-excl17-iv"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available through the insurer's in-house Health Claims Management at network hospitals, and the policy also states that cashless facility can be availed from non-network hospitals with prior intimation.","display":"Cashless at network hospitals and non-network hospitals with prior intimation","note":"For non-network cashless, prior intimation is required.","quote":"Follow below steps to avail Cashless facility through our In house Health Claims Management:\nStep I: Locate nearest Hospital by visiting our website or web portal or call our Health Helpline 1800 200 4030. Step II: Visit Network hospital and show your Health Serve Card issued by the company along with Valid Photo ID proof and get 'Cashless Request Form' from Insurance helpdesk of the hospital. ... You can now avail cashless facility from non-network hospitals.","sources":[{"clause":"8","heading":"Claim Procedure","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-8-2"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are handled through Universal Sompo's in-house Health Claims Management; the cashless request is reviewed by the Universal Sompo Health team.","display":"In house Health Claims Management by Universal Sompo","note":null,"quote":"Follow below steps to avail Cashless facility through our In house Health Claims Management: ... Universal Sompo Health team will review and judge the admissibility of the Cashless Request as per Policy Terms & Conditions","sources":[{"clause":"8","heading":"Claim Procedure","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477#c-8-2"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":false,"display":"No, Individual basis only","note":null,"quote":"The Policy can be opted on an Individual basis only.","sources":[{"clause":"3","heading":"COVER TYPE","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17478#c-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Shakti Care Policy - Policy Wordings","pages":29,"fetched_at":"2026-10-17 20:04:47+00","source_url":"https://www.universalsompo.com/assets/file/shakti-care-policy/shakti-care-policy-policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17477"},{"kind":"prospectus","label":"Shakti Care Policy - Prospectus / Brochure","pages":21,"fetched_at":"2026-10-17 20:04:48+00","source_url":"https://www.universalsompo.com/assets/file/shakti-care-policy/shakti-care-policy-prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17478"},{"kind":"cis","label":"Shakti Care Policy - CIS","pages":12,"fetched_at":"2026-10-17 20:04:50+00","source_url":"https://www.universalsompo.com/assets/file/shakti-care-policy/cis-shakti-care.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324/document/17482"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Universal Sompo General Insurance official website","url":"https://www.universalsompo.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.universalsompo.com/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claim intimation","url":"https://www.universalsompo.com/claimintimation/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.universalsompo.com/resourse-grievance-redressal/","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew now","url":"https://www.universalsompo.com/renew-now/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Shakti Care Policy (UIN UNIHLIP24155V012324), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/shakti-care-policy-unihlip24155v012324"}