{"uin":"UNIPAIP08006V020708","name":"Individual Accident Policy","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708","insurer":{"slug":"universal-sompo-general-insurance","name":"Universal Sompo General Insurance Company Limited","url":"https://indiainsurances.com/insurer/universal-sompo-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":"2013-10-17","withdrawn_on":null,"summary":"Individual Accident Policy is a personal accident policy issued for 12 months with Basic, Wider and Comprehensive cover options. It pays 100% of capital sum insured for accidental death and permanent total disability, and Temporary Total Disablement under Comprehensive Cover is 1% of C.S.I or Rs 5000/- per week for up to 104 weeks.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:47:54.303532+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Basic Cover—Death only","Wider Cover--- Death + Permanent Total Disability + Permanent Partial Disability","Comprehensive Cover ---- Death + Permanent Total Disability + Permanent Partial Disability + Temporary Total Disability"],"display":"Basic Cover, Wider Cover and Comprehensive Cover","note":null,"quote":"The scope of coverage shall depend on the benefit selected by you and as described in the Schedule A) Basic Cover—Death only B) Wider Cover--- Death + Permanent Total Disability + Permanent Partial Disability C) Comprehensive Cover ---- Death + Permanent Total Disability + Permanent Partial Disability + Temporary Total Disability","sources":[{"clause":null,"heading":"WHAT WE COVER","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-what-we-cover"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy is issued for 12 months from the date of commencement.","display":"12 months","note":"From the prospectus; the policy wording defines the period of insurance as the period shown in the Policy Schedule.","quote":"The Policy shall be issued for a period of 12 months from date of commencement of Policy","sources":[{"clause":null,"heading":"Policy Term","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17937#c-policy-term"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notify the insurer immediately on occurrence of a claim and in any case within 7 days. Death notice must be given before internment/cremation unless reasonable cause is shown and in any case within one calendar month; loss of sight or amputation must also be notified within one calendar month.","display":"Immediately and in any case within 7 days; death/loss of sight/amputation within one calendar month","note":null,"quote":"In case of death, written notice also of death must, unless reasonable cause is shown, be given before internment/ cremation and in any case, within one calendar month after the death, and in the event of loss of sight or amputation of limbs, written notice thereof must also be given within one calendar month after such loss of sight or amputation. ... Notify Us immediately on occurrence of a claim and in any case within 7 days giving full description of the medical treatment undertaken and the cause.","sources":[{"clause":null,"heading":"CLAIM PROCEDURE","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-claim-procedure"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["For Death Claim: Duly filled up claim form","For Death Claim: Death Certificate","For Death Claim: Original FIR","For Death Claim: Original Panchnama","For Death Claim: Post mortem report","For Permanent Total disablement/Permanent Partial Disablement: Duly filled up claims form","For Permanent Total disablement/Permanent Partial Disablement: Hospitalization Report","For Permanent Total disablement/Permanent Partial Disablement: Hospital discharge card","For Permanent Total disablement/Permanent Partial Disablement: Original Certificate from Doctor of Govt. Hospital stating the degree of disability","For Permanent Total disablement/Permanent Partial Disablement: Termination letter for claim under “Loss of Employment”","For Temporary Total Disablement: Duly filled up claims form","For Temporary Total Disablement: Original FIR","For Temporary Total Disablement: Panchnama","For Temporary Total Disablement: Hospitalization Report","For Temporary Total Disablement: Hospital discharge card","For Temporary Total Disablement: Original Certificate from Doctor of Govt. Hospital stating the degree of disability"],"display":"Claim form, FIR/panchnama, medical and disability records; death claims also need death certificate and post mortem report","note":null,"quote":"For Death Claim\n• Duly filled up claim form\n• Death Certificate\n• Original FIR\n• Original Panchnama\n• Post mortem report ... • Duly filled up claims form\n• Original FIR\n• Panchnama\n• Hospitalization Report\n• Hospital discharge card\n• Original Certificate from Doctor of Govt. Hospital stating the degree of disability\n• Termination letter for claim under “Loss of Employment” ... • Duly filled up claims form\n• Original FIR\n• Panchnama\n• Hospitalization Report\n• Hospital discharge card\n• Original Certificate from Doctor of Govt. Hospital stating the degree of disability","sources":[{"clause":null,"heading":"CLAIM PROCEDURE","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-claim-procedure"},{"clause":null,"heading":"For Permanent Total disablement/Permanent Partial Disablement","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-for-permanent-total-disablement-permanent-partia"},{"clause":null,"heading":"Disablement","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-disablement"}],"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 insurer will settle or reject a claim within thirty days of receiving the last necessary claim document. Admissible claims are paid within 7 working days from acceptance, with interest at 2% above bank rate for delay.","display":"Settlement/rejection within thirty days of last necessary claim document; payment within 7 working days of acceptance","note":null,"quote":"We shall settle claim(s), including its rejection, within thirty days of the receipt of the last necessary claim document. ... All admissible claims under this Policy shall be paid by Us within 7 working days from date of acceptance of such a claim. In case of delay in the payment, We shall be liable to pay interest at a rate which is 2% above bank rate prevalent at the beginning of the financial year in which claim is reviewed by Us.","sources":[{"clause":null,"heading":"Disablement","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-disablement"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war","Ionizing radiation or contamination by radioactivity from any nuclear fuel","Air travel except as a passenger on a recognized airline operating on regular scheduled air routes","Participation in any kind of motor speed contest","Biological or chemical contamination","Missiles, bombs, grenades, explosives due to any act of terrorism","Natural Death","Committing or attempting suicide, intentional self-Injury","Whilst under influence of intoxicating liquor or drugs","Whilst engaged in any adventurous sports and/or hazardous activities","Pregnancy including child birth, miscarriage, abortion or complication arising there from.","Venereal or sexually transmitted diseases."],"display":"Main exclusions include war, nuclear/radiation, restricted air travel, motor speed contests, terrorism contamination/explosives, natural death, suicide/self-injury, intoxication, adventure sports, pregnancy and venereal/sexually transmitted diseases","note":null,"quote":"• War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny military or usurped power, confiscation, seizure, capture, assault, restraint, nationalization, civil commotion or loot or pillage in connection herewith.\n• Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... • Air travel except as a passenger on a recognized airline operating on regular scheduled air routes and air travel by any charter aircraft duly licensed as a recognized air carrier and flown by professional crews between properly established and maintained airports.\n• Participation in any kind of motor speed contest (including trial, training and qualifying heats)\n• This Insurance does not cover any loss, damage, cost or expense directly or indirectly arising out of a) Biological or chemical contamination\nb) Missiles, bombs, grenades, explosives due to any act of terrorism\n• Natural Death ... a) Committing or attempting suicide, intentional self-Injury.\nb) Whilst under influence of intoxicating liquor or drugs. ... d) Whilst engaged in any adventurous sports and/or hazardous activities. ... • Pregnancy including child birth, miscarriage, abortion or complication arising there from. ... • Venereal or sexually transmitted diseases.","sources":[{"clause":"E.1","heading":"Specific Definitions","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#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 register the grievance through the insurer's website, contactus@universalsompo.com, the branch from where the policy was bought, or the Complaints Coordinator at the Registered Office. If unresolved, the policy says you may approach the Insurance Ombudsman subject to vested jurisdiction.","display":"Insurer website/email/branch/Complaints Coordinator first; Insurance Ombudsman if unresolved","note":null,"quote":"In case You are aggrieved in any way, You may register a grievance or Complaint by visiting Our website or write to us on contactus@universalsompo.com. You may also contact the Branch from where You have bought the Policy or the Complaints Coordinator who can be reached at Our Registered Office. ... If the issue still remains unresolved, You may, subject to vested jurisdiction, approach Insurance Ombudsman for the redressal of Your grievance.","sources":[{"clause":"11","heading":"Grievances","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-11"}],"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":"Death only cover is 10 times the yearly income. Wider Cover is 05 times the yearly income. Comprehensive Cover is 05 times the yearly income, subject to Rs 500,000/- max.","display":"Death only: 10 times yearly income; Wider: 05 times yearly income; Comprehensive: 05 times yearly income, Rs 500,000/- max","note":"Comprehensive cover is not offered for age 66 years and above or for dependent children.","quote":"Death only cover ---10 times the yearly Income\nWider Cover | --- 05 times the yearly Income\nComprehensive Cover | --- 05 times the yearly Income (Rs 500,000/- max)","sources":[{"clause":null,"heading":"Sum Insured eligibility under the Policy","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17937#c-sum-insured-eligibility-under-the-policy"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident policy for accidental injury, death and disablement; illness waiting periods do not apply. The CIS also describes waiting periods as not applicable.","quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident policy for accidental injury, death and disablement, not a disease cover with pre-existing disease waiting-period benefits.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident policy; it does not cover named illnesses or procedures subject to specific illness waiting periods.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"There is no specific illness waiting-period list for this personal accident policy.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"Portability is described for customers holding similar retail Personal Accident insurance policies of other non-life insurers; applicable benefits are passed on as per IRDA portability guidelines.","display":"Yes, for similar retail Personal Accident insurance policies of other non-life insurers","note":"From the prospectus; the policy wording does not print a portability clause.","quote":"As per the Portability Guidelines issued by IRDA, applicable benefits shall be passed on to customers who were holding similar retail Personal Accident insurance policies of other non-life insurers.","sources":[{"clause":null,"heading":"4) Portability Conditions","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17937#c-4-portability-conditions"}],"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":"Renewable for lifetime","note":"Renewal can end after Death or Permanent Total Disablement claims where the policy terminates following payment of the covered benefit.","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":"3(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-3-i"}],"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 is applied on individual claims experience. The policy may be revised with regulatory approval, and a separate 10% renewal loading applies if renewal is sought beyond 65 years of age.","display":"No loading on premium on individual claims experience","note":"The age-based loading beyond 65 years is not claim-based.","quote":"No loading on premium shall be applied on Your individual claims experience basis ... We shall apply a loading of 10% on Your Renewal premium if You seek Renewal of Your Policy from Us beyond 65 years of age.","sources":[{"clause":"3(iii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-3-iii"},{"clause":"15","heading":"Loading under the Policy","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-15"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"If you cancel by written notice, the insurer retains premium based on the short-period table and refunds the balance, provided no claim has been preferred: up to 1 month 25% of annual premium, up to 3 months 50%, up to 6 months 75%, above 6 months 100%. If the insurer cancels with 15 days' notice, you receive a pro-rata refund for the unexpired period.","display":"Short-period refund if you cancel and no claim: 25% retained up to 1 month, 50% up to 3 months, 75% up to 6 months, 100% above 6 months","note":null,"quote":"We may cancel this Policy by sending 15 days notice in writing by recorded delivery to You at Your last known address. You will then be entitled to a pro-rata refund of premium for the unexpired period of this Policy from the date of cancellation,which We are liable to pay on demand. You may cancel this Policy by sending a written notice to Us. Retention premium for the period we were on risk will be calculated based on following short period table and the balance will be refunded to You subject to the condition that no claim has been preferred on us:\nPeriod of Risk | Rate of premium to be charged\nUpto 1 month | 25% of annual premium\nUpto 3 months | 50% of annual premium\nUpto 6 months | 75% of annual premium\nAbove 6 months | 100% of annual premium","sources":[{"clause":"5","heading":"Cancellation","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The geographical scope is worldwide unless otherwise stated in the Policy schedule; claims are settled in India in Indian rupees.","display":"Worldwide unless otherwise stated in the Policy schedule; claims settled in India in Indian rupees","note":null,"quote":"The geographical scope of this Policy will be worldwide unless otherwise stated in the Policy schedule; however the claims shall be settled in India in Indian rupees.","sources":[{"clause":"18","heading":"Geographical Scope","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-18"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"conflicting","value":{"unit":"days","amount":15},"display":"15 days","note":"Policy wording says at least 15 days. CIS says: 'Free Look cancellation – 30 Days'.","quote":"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 ... Free Look cancellation – 30 Days","sources":[{"clause":"4(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-4-i"},{"clause":null,"heading":"Insurance Ombudsman","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17682#c-insurance-ombudsman"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"From the prospectus; the policy wording defines break in policy by non-payment on or before renewal date or within 30 days thereof.","quote":"In case of 0ur own renewal a grace period of 30 days is permissible and the Policy will be considered as continuous for the purpose of waiting periods.","sources":[{"clause":null,"heading":"3) Renewal & Cancellation","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17937#c-3-renewal-cancellation"}],"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":"Proposer and spouse/dependent parents can enter from 18 Years to 85 Years. Dependent children can enter from 3 Months to 25 Years.","display":"Proposer/spouse/dependent parents: 18 Years to 85 Years; dependent children: 3 Months to 25 Years","note":"From the prospectus.","quote":"• Entry age for Proposer and Spouse / Dependent Parents is 18 Years to 85 Years\n• Entry age for Dependent Children is 3 Months to 25 Years","sources":[{"clause":null,"heading":"What is the Entry age under policy?","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17937#c-what-is-the-entry-age-under-policy"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["single installment"],"display":"single installment","note":"From the prospectus.","quote":"The premium under the Policy shall be payable in single installment","sources":[{"clause":null,"heading":"Claim Disclaimer","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17937#c-claim-disclaimer"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Medical Expenses Extension","Hospital Confinement Allowance"],"display":"Medical Expenses Extension and Hospital Confinement Allowance","note":"Both add-ons apply only to the Comprehensive Policy and require additional premium.","quote":"Add-on Covers: (applicable only to Comprehensive Policy and on receipt of additional premium specifically shown under the Schedule) ... A) Medical Expenses Extension ... B) Hospital Confinement Allowance","sources":[{"clause":null,"heading":"WHAT WE COVER","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-what-we-cover-2"},{"clause":null,"heading":"A) Medical Expenses Extension","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-a-medical-expenses-extension"},{"clause":null,"heading":"B) Hospital Confinement Allowance","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-b-hospital-confinement-allowance"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"The prospectus says that during the break period, any medical expenses incurred as a result of disease condition or Accident contracted during the break period will not be admissible.","display":"Not admissible for disease condition/ Accident contracted during the break period","note":"This wording appears in the prospectus renewal grace-period clause.","quote":"Any medical expenses incurred as a result of disease condition/ Accident contracted during the break period will not be admissible under the policy.","sources":[{"clause":null,"heading":"3) Renewal & Cancellation","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17937#c-3-renewal-cancellation"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"If accidental bodily injury causes death within 12 months from the date of accident, the policy pays 100% of the Capital Sum Insured, subject to the selected benefit option.","display":"100% of Capital Sum Insured","note":null,"quote":"Accidental Death means Death resulting from Bodily Injury solely and independently of any other cause except Illness directly resulting from, or medical or surgical treatment rendered necessary for such Injury, occasions the Death of the Insured Person within 12 months from the date of Accident. ... We shall pay to the Insured Person or his/her legal personal representative / assignee, the compensation set forth in Table of Benefits (as percentage of Capital Sum Insured). ... 1 | Accidental Death | 100","sources":[{"clause":null,"heading":"Accidental Death","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-accidental-death"},{"clause":null,"heading":"WHAT WE COVER","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-what-we-cover"},{"clause":"Row 1","heading":"Accidental Death","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-row-1"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"Permanent Total Disability pays 100% of Capital Sum Insured for loss of sight of both eyes, loss of two limbs, loss of one limb and one eye, or permanent total and absolute disablement as certified by a Medical Practitioner.","display":"100% of Capital Sum Insured","note":null,"quote":"2 | Permanent Total Disability:\na) | Loss of sight (both eyes) | 100\nb) | Loss of two limbs | 100\nc) | Loss of one limb and one eye | 100\nd) | Permanent Total and absolute disablement as certified by Medical Practitioner | 100","sources":[{"clause":"Row 2","heading":"Permanent Total Disability:","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-row-2"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"quote-verified","value":"Permanent Partial Disability pays the listed percentage of Capital Sum Insured, including 50% for loss of sight of one eye or loss of one limb, 20% for loss of all toes, 50% for loss of hearing in both ears or loss of speech, 40% for loss of four fingers and thumb of one hand, and other percentages in the table. Any other permanent partial disablement is paid as assessed by the insurer-appointed Medical Practitioner.","display":"Table benefits from 1% to 50% of Capital Sum Insured, or % assessed by Medical Practitioner appointed by the insurer","note":null,"quote":"3 | Permanent Partial Disability:\nA | Loss of sight of one eye | 50\nB | Loss of one limb | 50\nC | Loss of toes-all | 20\nD | Great-both phalanges | 5\nE | Great-one phalanx | 2\nF | Other than great, if more than one toe lost each | 1\nG | Loss of hearing – both ears | 50\nH | Loss of hearing – one ear | 15\nI | Loss of Speech | 50\nJ | Loss of four fingers and thumb of one hand | 40\nK | Loss of four fingers | 35\nL | Loss of thumb-both phalanges | 25\nM | Loss of thumb-one phalanx | 10\nN | Loss of index finger i) Three phalanges ii)Two phalanges iiii)One phalanges | 10 8 4\nO | Loss of middle finger i) Three phalanges ii)Two phalanges iii)One phalanges | 6 4 2\nP | Loss of ring finger i) Three phalanges ii)Two phalanges iii)One phalanges | 5 4 2\nQ | Loss of little finger i) Three phalanges ii)Two phalanges iii)One phalanges | 4 3 2\nR | Loss of Metacarpals (i)First or second (additional) (ii)Third, fourth or fifth (additional) | 3 2\nS | Any other permanent partial disablement | % as assessed by Medical Practitioner appointed by us","sources":[{"clause":"Row 3","heading":"Permanent Partial Disability:","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-row-3"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"quote-verified","value":"Temporary Total Disablement pays 1% of C.S.I or Rs 5000/- whichever is lower per week for the period of confinement or part thereof, for a maximum of 104 weeks.","display":"1% of C.S.I or Rs 5000/- whichever is lower for 104 weeks max.","note":"This benefit is part of the Comprehensive Cover.","quote":"Temporary Total disablement benefit at the rate per | 1% of C.S.I or Rs 5000/- whichever is lower for 104 weeks max.","sources":[{"clause":"Row 3","heading":"Permanent Partial Disability:","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-row-3"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"Accident medical expenses are covered only if the Medical Expenses Extension is bought for additional premium. The extension is restricted to 40% of Personal Accident Claim or actual Medical Expenses, whichever is less.","display":"Optional Medical Expenses Extension: 40% of Personal Accident Claim or actual Medical Expenses, whichever is less","note":"This is an add-on cover applicable only to the Comprehensive Policy on payment of additional premium.","quote":"A) Medical Expenses Extension: In consideration of payment of additional premium as shown in the Schedule, the Policy is extended to cover the Medical Expenses Reasonably and customarily incurred by you towards Medical Expenses as a result of an Accident resulting in the bodily Injury, death or disablement. The compensation under this extension is restricted to 40% of Personal Accident Claim or actual Medical Expenses whichever is less.","sources":[{"clause":null,"heading":"A) Medical Expenses Extension","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-a-medical-expenses-extension"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"Occupation affects rating through Normal, Heavy and Very Heavy categories. Comprehensive cover is not available for the Very Heavy category, and changes in duty, business or occupation must be intimated and approved.","display":"Premium categories: Normal, Heavy, Very Heavy; Comprehensive not covered for Very Heavy","note":"The premium table is from the prospectus; the duty/business/occupation change condition is in the policy wording.","quote":"Nature of Cover | Normal | Heavy | Very Heavy\n(Category)\nBasic | 0.40% | 0.60% | 0.90%\nWider | 0.85% | 1.25% | 1.95%\nComprehensive | 1.40% | 2.00% | Not to be covered ... Non-disclosure shall include failure on Your part to intimate us in writing and obtaining written approval from us in respect of Changes in Circumstances arising out of changes in the duty, business, occupation of the Insured Person(s).","sources":[{"clause":null,"heading":"Claim Disclaimer","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17937#c-claim-disclaimer"},{"clause":"12","heading":"Mis-description","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944#c-12"}],"law":[]}],"documents":[{"kind":"wording","label":"POS - Individual Accident Policy - Policy Wording","pages":16,"fetched_at":"2026-10-17 20:19:32+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/pos-individual-accident-policy/policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17944"},{"kind":"wording","label":"Individual Accident Policy (IRDAI copy)","pages":12,"fetched_at":"2026-10-20 02:24:22+00","source_url":"https://irdai.gov.in/documents/37343/931203/Individual+Accident+Policy_2013-2014.pdf/404746dd-34db-de39-c3f9-228971767652?version=1.1&t=1668244250277&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/28246"},{"kind":"prospectus","label":"POS - Individual Accident Policy - Prospectus/Sales Literature","pages":11,"fetched_at":"2026-10-17 20:19:24+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/pos-individual-accident-policy/prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17937"},{"kind":"cis","label":"Individual Accident Policy - CIS","pages":5,"fetched_at":"2026-10-17 20:13:10+00","source_url":"https://www.universalsompo.com/assets/file/cis/cis-individual-accident.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/17682"},{"kind":"premium","label":"POS - Individual Accident Policy - Ratechart","pages":null,"fetched_at":"2026-10-17 20:06:32+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/pos-individual-accident-policy/rate-chart.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708/document/31927"}],"versions":[{"uin":"IRDA/NL-HLT/USGI/P-P/V.I/409/13-14","version":null,"approved_on":null},{"uin":"UNIPAIP08006V020708","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Universal Sompo General Insurance official website","url":"https://www.universalsompo.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.universalsompo.com/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claim intimation","url":"https://www.universalsompo.com/claimintimation/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.universalsompo.com/resourse-grievance-redressal/","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew now","url":"https://www.universalsompo.com/renew-now/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Individual Accident Policy (UIN UNIPAIP08006V020708), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/individual-accident-policy-unipaip08006v020708"}