Universal Sompo General Insurance Company Limited

Health Insurance policy of Universal Sompo is offered to individual and/or his family. The policy designed to pay the Insured person(s) the hospitalization expenses as well as domiciliary hospitalization benefits if he/she suffers an illness or accidental injury during the policy period.

• Treatments only in the Hospitals / Nursing homes in India are covered
• The coverage includes expenses incurred towards room, boarding expenses, nursing expenses, surgeon / specialist fees, charges for blood, oxygen etc
• Domicillary hospitalization benefit means Medical treatment for a period exceeding 3 days for such illness which in the normal course require treatment in a hospital but actually taken whilst confined at home in India since

  (1) the condition of the patient is such that he cannot be removed to a hospital or

  (2) the patient cannot be removed to the hospital for lack of accommodation

• The indemnity provided by the policy is restricted to sum insured and the sub limits provided in the schedule
• Premium is calculated depending on the age of the insured and the sum insured selected
• If Your age or Your dependants age is more than 45 years , You /Your dependents shall have to undergo medical tests as prescribed by Us and the cost of such expenses shall be borne by You
• The entry age under the policy should be less than 55 years
• Maximum coverage is Rs.5 lacs
• As per Income Tax Act, the premium paid for this cover is exempted from tax under Section 80 D

Health Insurance policy of Universal Sompo is offered to individual and/or his family. The policy designed to pay the Insured person(s) the hospitalization expenses as well as domiciliary hospitalization benefits if he/she suffers an illness or accidental injury during the policy period.

• Treatments only in the Hospitals / Nursing homes in India are covered
• The coverage includes expenses incurred towards room, boarding expenses, nursing expenses, surgeon / specialist fees, charges for blood, oxygen etc
• Domiciliary hospitalization benefit means Medical treatment for a period exceeding 3 days for such illness which in the normal course require treatment in a hospital but actually taken whilst confined at home in India since

  (1) the condition of the patient is such that he cannot be removed to a hospital or

  (2) the patient cannot be removed to the hospital for lack of accommodation

• The indemnity provided by the policy is restricted to sum insured and the sub-limits provided in the schedule
• Premium is calculated depending on the age of the insured and the sum insured selected
• If Your age or Your dependant's age is more than 45 years , You /Your dependents shall have to undergo medical tests as prescribed by Us and the cost of such expenses shall be borne by You
• The entry age under the policy should be less than 55 years
• Maximum coverage is Rs.5 lacs
• As per Income Tax Act, the premium paid for this cover is exempted from tax under Section 80 D

Fire insurance Policy covers all immovable and movable property located in a particular premise such as buildings, plant and machinery, furniture, fixtures, fittings and other contents, stocks and stock in process along with goods held in trust or on commission.

This Policy covers loss or damage to the insured assets resulting from:

• Fire
• Lightning
• Explosion/ Implosion
• Aircraft Damage
• Riot, Strike, Malicious Damage
• Storm, Typhoon, Hurricane, Tornado, Flood and Inundation
• Impact damage
• Subsidence and landslide including Rock slide
• Bursting and overflowing of water tanks, apparatus and Pipes
• Missile testing operations
• Leakage from Automatic Sprinkler Installation
• Bush Fire

Private Car Insurance Policy covers Vehicles used for social, domestic and pleasure purpose and also for professional purpose (excluding carriage of goods other than samples) of the insured or used by insured's employees for such purpose but excluding use for hire or reward, racing, pace making, reliability trial, speed testing and use for any purpose in connection with the Motor Trade.

The Policy covers loss or damage to the vehicle insured arising out of:

• Fire, explosion, self ignition, lightning, burglary, theft, riot, strike, malicious act, terrorism, earthquake, flood, typhoon, accidental external means, landslide or rockslide, road/rail/inland waterway/air transit

It also provides cover against Legal Liability to third party personal injury and property damage arising out of an accident invulving the vehicle as required under Motor Vehicle Act.

The Policy further provides for compulsory Personal Accident cover for owner driver.

• Loss of accessories
• Legal liability to paid driver, cleaner or any workman
• Personal Accident to the occupants
• Increased legal liability to property damage of third party for a limit of Rs 7.5 lakhs