{"uin":"UNITGOP24164V012324","name":"Complete Travelcare Insurance","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324","insurer":{"slug":"universal-sompo-general-insurance","name":"Universal Sompo General Insurance Company Limited","url":"https://indiainsurances.com/insurer/universal-sompo-general-insurance"},"line":"general","category":"travel","category_name":"Travel insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Complete Travelcare Insurance is a group travel insurance product offered on single trip or annual multi trip basis with area options including Worldwide, Worldwide excluding US & Canada, Asia Pacific and Schengen options. It covers travel medical expenses up to the sum insured stated in the schedule and has a 30 days free-look period for policies of one year or more.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:30:07.34556+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":["Single Trip","Multi Trip (Annual)"],"display":"Single Trip / Multi Trip (Annual)","note":null,"quote":"I) Policy shall be offered on Single Trip/ Multi Trip (Annual) Basis.","sources":[{"clause":"F.6(I)","heading":null,"page":70,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-f-6-i"}],"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":"Single Trip Cover can be issued for a single trip not exceeding 365 consecutive days. Multi Trip Cover can be issued for one year or less, with each trip not exceeding the travel days specified in the Policy Certificate.","display":"Single trip: not exceeding 365 consecutive days; multi trip: one year or less","note":"The 365-day single-trip limit does not apply to individual student policies where the educational course duration is above that limit.","quote":"Single Trip Cover can be issued for a single Trip not exceeding 365 consecutive days including departure from and return to the Insured Person's place of residence. This limit shall not apply for Policies covering individual students pursuing an educational course as a full time student in an educational institution and the course duration is above the limit specified.\n2. Multi Trip Cover can be issued for a period of one year or less covering multiple single Trips within the specified Period of Insurance, with the total duration of each and every single Trip, including departure from and return to the Insured Person's place of residence, not exceeding the number of travel days as specified in the Policy Certificate.","sources":[{"clause":null,"heading":"G. Terms and Conditions","page":66,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-g-terms-and-conditions"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice of claim must be given within seven (7) days after an actual or potential loss occurs or as soon as reasonably possible, and in any event no later than (30) Days after the loss. In robbery or theft cases, the police or appropriate authority must be notified within 24 hours.","display":"Within seven (7) days, and no later than (30) Days; robbery or theft to police within 24 hours","note":null,"quote":"It is a condition precedent to The Company’s liability hereunder that notice of Claim must be given by the Insured Person to The Company/ Assistance company within seven (7) days after an actual or potential loss occurs or as soon as reasonably possible and, in any event, no later than (30) Days after an actual or potential loss occurs. ... notify the police or other appropriate authority in the case of Robbery or Theft within 24 hours.","sources":[{"clause":null,"heading":"Claim Notification","page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17483#c-claim-notification"}],"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","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","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 along with copy of PAN card & Aadhaar Card"],"display":"Claim form, medical certificate, treatment papers, discharge card, investigation reports, bills and receipts, prescriptions, NEFT/cancelled cheque, photo ID, MLC/FIR for accidents, address/PAN/Aadhaar","note":"The list is indicative and 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":"F.3","heading":"Documents to be submitted","page":65,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-f-3"}],"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 submission of the claim. If investigation is needed, it shall be completed not later than 15 days from submission, and delay beyond the stipulated 15 days carries interest at 2% above the bank rate from intimation to payment.","display":"Settle or reject within 15 days from submission; delay interest 2% above bank rate","note":null,"quote":"i The Company shall settle or reject a claim, as the case may be, within 15 days from the date of submission of the claim. ii In the case of delay in the payment of a claim, the Company shall be liable to pay interest from the date of receipt date of receipt of intimation to till the date of payment. iii However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest in any case not later than 15 days from the date of submission of claim. iv In case of delay beyond stipulated 15 days the company shall be liable to pay interest at a rate 2% above the bank rate from the date of receipt of intimation to till the date of payment.","sources":[{"clause":null,"heading":"F. 4 Claim Settlement (provision for Penal Interest)","page":66,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-f-4-claim-settlement-provision-for-penal-interes"}],"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":["events occurring before the Coverage Commencement Date or otherwise outside of the Period of Insurance","Pre-existing Diseases Waiting Period - Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months","travelling against the advice of a Medical Practitioner","Dental Treatment, dentures or Surgery of any kind unless necessitated due to an Accident and requiring minimum 24 hours Hospitalization","Routine medical, eye examinations, cost of spectacles, laser Surgery for cosmetic purposes or corrective Surgeries or contact lenses","All sexually transmitted diseases","diagnosis or Treatment that is not scientifically recognised or Unproven/Experimental treatment","Ailment requiring Treatment due to use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen","Any Illness or Hospitalization arising or resulting from the Insured Person or any of his family members committing any breach of law with criminal intent","Any Cosmetic Surgery, aesthetic Treatment unless forming part of Treatment for cancer or burns","suicide, attempted suicide or willfully or self-inflicted Injury","war and warlike occurrence or invasion","Adventure Sports, the training or participation in competitions of Professional or Semi-Professional Sportspersons","Treatment which could be reasonably delayed until the Insured Person's return to India/ Country of Origin"],"display":"Main exclusions include prior/outside-period events, PED for 36 months, travelling against medical advice, certain dental and routine care, STDs, unproven treatment, substance abuse, criminal breach, cosmetic surgery, suicide/self-inflicted injury, war, adventure/pro sports and treatment that can wait until return","note":null,"quote":"1. Any claim relating to events occurring before the Coverage Commencement Date or otherwise outside of the Period of Insurance.\n2. Pre-existing Diseases Waiting Period - Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with us. ... a) Is travelling against the advice of a Medical Practitioner; ... 4. Dental Treatment, dentures or Surgery of any kind unless necessitated due to an Accident and requiring minimum 24 hours Hospitalization. ... 8.. Routine medical, eye examinations, cost of spectacles, laser Surgery for cosmetic purposes or corrective Surgeries or contact lenses. ... 14. All sexually transmitted diseases including Genital Warts, Syphilis, Gonorrhoea, Genital Herpes, Chlamydia, Pubic Lice and Trichomoniasis and any condition directly or indirectly caused by or associated with them. ... any diagnosis or Treatment that is not scientifically recognised or Unproven/Experimental treatment, or any form of clinical trials or any kind of self medication and its complications.\n21. Ailment requiring Treatment due to use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen and Treatment for de-addiction, or rehabilitation.\n22. Any Illness or Hospitalization arising or resulting from the Insured Person or any of his family members committing any breach of law with criminal intent. ... 26. Any Cosmetic Surgery, aesthetic Treatment unless forming part of Treatment for cancer or burns ... 34. No claim will be paid arising from suicide, attempted suicide or willfully or self-inflicted Injury\n35. Any External Congenital Anomalies or any consequence thereof.\n36. Any Illness and Accidents as a result of war and warlike occurrence or invasion ... 37. Any claim arising out of sporting activities in so far as they involve in Adventure Sports, the training or participation in competitions of Professional or Semi-Professional Sportspersons. ... 46. Treatment which could be reasonably delayed until the Insured Person's return to India/ Country of Origin.","sources":[{"clause":"79","heading":"Physiotherapy","page":56,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-79"},{"clause":"79(a)","heading":null,"page":56,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-79-a"},{"clause":"79(c)","heading":null,"page":56,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-79-c"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First write to Customer Service at Universal Sompo General Insurance Co. Ltd. or email grievance@universalsompo.com. If not satisfied or no response is received, write or email the Grievance Redressal Officer at GRO@universalsompo.com before approaching the Insurance Ombudsman.","display":"Customer Service at grievance@universalsompo.com, then Grievance Redressal Officer at GRO@universalsompo.com","note":null,"quote":"Resolving Issue\nWrite 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 For 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":"F.6(VII)(d)","heading":null,"page":75,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-f-6-vii-d-2"}],"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":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Bodily Injury or sudden unexpected Sickness during the travel period requiring hospitalisation","Bodily Injury during the travel period requiring hospitalisation","Dental Treatment during the Travel Period","Hospital Daily Cash","Accidental Death","Permanent Total Disablement","Permanent Partial Disablement","Death & Disability (Common Carrier)","Delay of Checked-in Baggage","Total loss of Checked-in Baggage","Common Carrier Cancellation/Interruption","Common Carrier Delay/ Trip Delay","Visa Rejection/Denial","Loss of Passport/Identification Documents/International driving License","Trip Curtailment and Interuption","Personal Liability & Bail Bond"],"display":"Covers include travel medical expenses, dental, hospital cash, accidental death and disability, common carrier death/disability, checked-in baggage delay/loss, carrier cancellation/delay, visa rejection/denial, passport/ID loss, trip curtailment and personal liability/bail bond","note":"One base benefit must be in force and opted; extensions and cover options apply only if specified in the Policy Schedule/Certificate.","quote":"The Company will reimburse the necessary and Reasonable Medical expenses incurred up to the Sum Insured stated in the Schedule, if an Insured Person sustains Bodily Injury or sudden unexpected Sickness during the travel period requiring hospitalisation. ... The Company will reimburse the necessary and Reasonable Medical expenses incurred up to the Sum Insured stated in the Schedule, if an Insured Person sustains Bodily Injury during the travel period requiring hospitalisation. ... The Company will pay for Dental Treatment of an Insured person during the Travel Period ... The Company will pay to an Insured Person the daily benefit amount specified in Policy schedule, if he/she is hospitalized due to an Illness or Injury contracted during the Policy Period. ... If an Insured Person suffers an Injury due to an Accident whilst on a Trip, and that Injury solely and directly results in the Insured Person's death within 365 days from the date of the Accident ... Permanent Total Disablement ... Permanent Partial Disablement ... Death & Disability (Common Carrier) ... Delay of Checked-in Baggage ... Total loss of Checked-in Baggage ... Common Carrier Cancellation/Interruption ... Common Carrier Delay/ Trip Delay ... Visa Rejection/Denial ... Loss of Passport/Identification Documents/International driving License ... Trip Curtailment and Interuption ... Personal Liability & Bail Bond","sources":[{"clause":"1","heading":"In Hospital Medical Expenses - (Accident & Sickness)","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-1-2"},{"clause":"2","heading":"In Hospital Medical Expenses - (Accident Only)","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-2-2"},{"clause":"3","heading":"Emergency Dental Expenses","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-3-2"},{"clause":"4","heading":"Hospital Daily Cash","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-4-2"},{"clause":"5","heading":"Accidental Death","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-5-2"},{"clause":"6","heading":"Permanent Total Disablement (PTD)","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-6-2"},{"clause":"7","heading":"Permanent Partial Disablement (PPD)","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-7-2"},{"clause":"8","heading":"Death & Disability (Common Carrier)","page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-8-2"},{"clause":"9","heading":"Delay of Checked-in Baggage","page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-9-2"},{"clause":"10","heading":"Total loss of Checked-in Baggage","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-10-2"},{"clause":"11","heading":"Common Carrier Cancellation/Interruption","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-11-2"},{"clause":null,"heading":"12.Common Carrier Delay/ Trip Delay","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-12-common-carrier-delay-trip-delay"},{"clause":"13","heading":"Visa Rejection/Denial","page":20,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-13-2"},{"clause":"20","heading":"Loss of Passport/Identification Documents/International driving License","page":29,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-20-2"},{"clause":"39","heading":"Trip Curtailment and Interuption","page":40,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-39-2"},{"clause":"32","heading":"Personal Liability & Bail Bond","page":34,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-32-2"}],"law":[]},{"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 notice in writing. The insurer refunds proportionate premium for the unexpired policy period if the term is up to one year and no claim has been made; for policies with term more than 1 year, it refunds premium for the unexpired policy period where risk coverage for those policy years has not commenced.","display":"7 days written notice; proportionate unexpired premium if term up to one year and no claims","note":null,"quote":"Cancellation of indemnity based health insurance policy by the policyholder 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":"F.6(e)","heading":null,"page":68,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-f-6-e"},{"clause":"F.6(a)","heading":null,"page":69,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-f-6-a-3"},{"clause":"F.6(b)","heading":null,"page":69,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-f-6-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":"Area options are Worldwide, Worldwide excluding US & Canada, Asia Pacific, Schengen excluding US & Canada, Schengen including US & Canada, and MDV (Marhaba Dubai Visa). For a specific group, the area of cover may be limited to a particular country or region from that list.","display":"Worldwide; Worldwide excluding US & Canada; Asia Pacific; Schengen excluding US & Canada; Schengen including US & Canada; MDV (Marhaba Dubai Visa)","note":"The geographical scope for the insured person is the area opted and shown in the Policy Schedule/Certificate.","quote":"VII) Area/s of Cover:\n- Worldwide\n- Worldwide excluding US & Canada\n- Asia Pacific\n- Schengen excluding US & Canada\n- Schengen including US & Canada\n- MDV (Marhaba Dubai Visa) For a specific group, the area of cover may be limited to any particular country or region from above list of Area of Cover.","sources":[{"clause":"F.6(VII)","heading":null,"page":70,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-f-6-vii"}],"law":[]},{"key":"medical_cover","label":"Medical cover abroad","section":"Cover","meaning":"Emergency medical and hospital costs while travelling, and the limit.","status":"quote-verified","value":"The policy reimburses necessary and reasonable in-hospital medical expenses for bodily injury or sudden unexpected sickness during the travel period requiring hospitalisation, up to the sum insured stated in the Schedule. The CIS shows sum insured options in USD from 1000 to 5000000.","display":"In-hospital medical expenses for accident & sickness up to the Sum Insured stated in the Schedule; CIS shows USD 1000 to 5000000","note":"The exact sum insured is as stated in the Policy Schedule/Certificate.","quote":"The Company will reimburse the necessary and Reasonable Medical expenses incurred up to the Sum Insured stated in the Schedule, if an Insured Person sustains Bodily Injury or sudden unexpected Sickness during the travel period requiring hospitalisation. ... Sum insured (In USD): 1000 to 5000000","sources":[{"clause":"1","heading":"In Hospital Medical Expenses - (Accident & Sickness)","page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-1-2"},{"clause":"Row 4","heading":"Sum Insured (Basis) (Along with amount)","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17483#c-row-4"}],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Pre-existing disease expenses and direct complications are excluded until 36 months of continuous coverage. An optional Pre-Existing Disease Cover for a Life Threatening Condition can reimburse emergency medically necessary treatment for sudden, unexpected or unforeseen development attributable to a pre-existing disease, up to the sum insured, if opted.","display":"PED excluded for 36 months; optional life-threatening PED emergency cover if opted","note":"The life-threatening PED cover is a Cover Option; approval of the insurer or assistance service provider must be obtained within 48 hours of hospitalisation commencement.","quote":"Pre-existing Diseases Waiting Period - Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with us. ... The Company will reimburse the Medical Expenses incurred in respect of the Medically Necessary Treatment rendered on the Insured Person during the Travel Period on an emergency basis for a Life-Threatening Condition only for any sudden, unexpected or unforeseen development which is attributable to a Pre- Existing Disease, upto the Sum Insured specified in the Policy Schedule / Certificate of Insurance.","sources":[{"clause":"79","heading":"Physiotherapy","page":56,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-79"},{"clause":null,"heading":"8. Pre-Existing Disease Cover for a Life Threatening Condition","page":25,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-8-pre-existing-disease-cover-for-a-life-threaten"}],"law":[]},{"key":"trip_cancellation","label":"Trip cancellation and curtailment","section":"Cover","meaning":"Refund of non-refundable costs if you must cancel or cut short a trip.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"quote-verified","value":"For delay of checked-in baggage, the company pays a fixed amount or reimburses emergency purchases of toiletries, medication and clothing, or transport to recover the baggage, up to the sum insured. For total and complete loss of checked-in baggage while in the custody of the common carrier, it reimburses market value up to the sum insured.","display":"Delay of checked-in baggage and total loss of checked-in baggage covered up to the Sum Insured","note":"Deductibles and exact limits are as specified in the Policy Certificate.","quote":"The Company shall pay fixed Amount OR reimburse either the reasonable costs necessarily incurred towards emergency purchases of toiletries, medication and clothing up to the limit of Sum Insured specified against this Benefit in the Policy Certificate OR the expenses incurred by the Insured Person towards transportation for recovering the Checked-in Baggage from the Common Carrier in the event of delay in scheduled arrival of the Checked-in Baggage whilst on a Trip and whilst it is in the custody of the Common Carrier. ... The Company shall reimburse the Insured Person for the Market Value of such Checked- in Baggage upto the limit of Sum Insured specified against this Benefit in the Policy Certificate, In the event of total and complete loss of Checked-in Baggage whilst on a Trip and whilst it is in the custody of the Common Carrier.","sources":[{"clause":"9","heading":"Delay of Checked-in Baggage","page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-9-2"},{"clause":"10","heading":"Total loss of Checked-in Baggage","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-10-2"}],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"quote-verified","value":"The company pays the legal cost incurred up to the sum insured or a fixed amount for obtaining a duplicate or new passport, identification documents, or international driving licence during the travel period if the insured loses the original documents.","display":"Costs of duplicate/new passport, identification documents or international driving licence up to Sum Insured or fixed amount","note":"No payment is made for losses from detention/confiscation by authorities, losses not reported to police with an official report, or losses caused by failure to take reasonable steps to guard against loss.","quote":"The Company will pay the legal cost incurred by the Insured Person up to the Sum Insured or a fixed amount, as specified in the Policy Schedule / Certificate of Insurance towards obtaining a duplicate or new passport/ Identification Documents/International driving License during the Travel Period, If the Insured Person loses his/her original passport/ Identification Documents/International driving License during the Travel Period","sources":[{"clause":"20","heading":"Loss of Passport/Identification Documents/International driving License","page":29,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-20-2"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"not-stated","value":null,"display":null,"note":"The policy states that a deductible applies per separate incident and that amounts are specified in the Policy Certificate/Schedule, but no deductible amount is printed in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"quote-verified","value":"Single Trip Cover can be issued for a trip not exceeding 365 consecutive days, including departure from and return to the insured person's residence. Multi Trip Cover can run for one year or less, with each single trip not exceeding the number of travel days specified in the Policy Certificate.","display":"Single trip up to 365 consecutive days; annual multi trip per-trip days as specified in Policy Certificate","note":"The 365-day single-trip limit does not apply to individual student policies where the educational course duration is above that limit.","quote":"Single Trip Cover can be issued for a single Trip not exceeding 365 consecutive days including departure from and return to the Insured Person's place of residence. This limit shall not apply for Policies covering individual students pursuing an educational course as a full time student in an educational institution and the course duration is above the limit specified.\n2. Multi Trip Cover can be issued for a period of one year or less covering multiple single Trips within the specified Period of Insurance, with the total duration of each and every single Trip, including departure from and return to the Insured Person's place of residence, not exceeding the number of travel days as specified in the Policy Certificate.","sources":[{"clause":null,"heading":"G. Terms and Conditions","page":66,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-g-terms-and-conditions"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Free-look, if the policy offers one (usually annual multi-trip policies only): days after you receive the policy in which you can return it for a refund.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Available only for policies with a term of one year or more.","quote":"Free look Period 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. If he/she is not satisfied with any of the terms and conditions, he/she has the option to cancel his/her policy. This option is available in case of policies with a term of one year or more.","sources":[{"clause":"F.6(e)","heading":null,"page":68,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-f-6-e"}],"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":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"conflicting","value":"The policy wording states minimum entry age 1day and maximum entry age 85 Years.","display":"Minimum: 1day; Maximum: 85 Years","note":"The higher-priority policy wording states 85 Years. The prospectus says: 'Minimum age at entry: 1 day Maximum age at entry: 100 years'.","quote":"IV) Insured Age at Entry: Minimum: 1day and Maximum: 85 Years. ... Age Group | Minimum age at entry: 1 day Maximum age at entry: 100 years","sources":[{"clause":"F.6(IV)","heading":"Insured Age at Entry","page":70,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486#c-f-6-iv"},{"clause":"B","heading":"SCOPE & ELIGIBILITY","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17484#c-b"}],"law":[]}],"documents":[{"kind":"wording","label":"Complete Travelcare Insurance - Policy Wordings","pages":82,"fetched_at":"2026-10-17 20:04:56+00","source_url":"https://www.universalsompo.com/assets/file/complete-travelcare-insurance/complete-travelcare-insurance-policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17486"},{"kind":"prospectus","label":"Complete Travelcare Insurance - Prospectus / Brochure","pages":73,"fetched_at":"2026-10-17 20:04:57+00","source_url":"https://www.universalsompo.com/assets/file/complete-travelcare-insurance/prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17484"},{"kind":"cis","label":"Complete Travelcare Insurance - CIS","pages":31,"fetched_at":"2026-10-17 20:04:59+00","source_url":"https://www.universalsompo.com/assets/file/complete-travelcare-insurance/cis-complete-travelcare-insurance.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324/document/17483"}],"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":"Complete Travelcare Insurance (UIN UNITGOP24164V012324), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/complete-travelcare-insurance-unitgop24164v012324"}