Universal Sampo Sampurna Suraksha Bima
Universal Sompo Sampurna Suraksha Bima Plan Overview
Universal Sampo Sampurna Suraksha Bima is a one stop solution policy that provides health cover along with protection of your physical assets against burglary and robbery. The plan secures the individual and his family against personal accidents leading to death or disablement.
Key Features of Universal Sompo Sampurna Suraksha Bima
The policy consists of 4 sections consisting of health cover, fire allied perils, burglary/ robbery and personal accidents.
Entry age of proposer is 18 to 65 years.
In case child gets married, the child will not be covered for next renewal.
If actual value of assets insured under this policy at time of loss be collectively greater than sum insured, than you will be considered as being your own insurer for the difference.
Claims under this policy shall be paid within 7 working days.
The policy can be renewed till the age of 80 years
Universal Sompo Sampurna Suraksha Bima Plans Premium Details
Premium Chart for Health Cover under Sampurna Suraksha Bima Plan by Universal Sompo
Premium for Self only ( up to 50 years of age)
For sum insured Option of Rs 30,000
*The above rates may change. Please check the policy wordings for more details.
Universal Sompo Sampurna Suraksha Bima Plan at a glance
Renewal- The policy is ordinarily renewable till 80 years of age except on grounds of fraud, moral hazard or misrepresentation.
Cancellation- You may cancel this policy by sending a written notice to us. Retention premium for the period will be calculated bases on following short period table and the balance will be refunded
Continuity- In case company decides to withdraw Sampoorna Suraksha Bima Policy, option shall be available to migrate to nearest substitute product.
Claim Payment- all claims under the policy shall be paid within 7 working days from date of acceptance. In case of delay the company is liable to pay interest at a rate which is 2% above bank rate.
Discount- if coverage for more than one section is opted under the policy, sectional discounts can be provided:
Inclusions in Sampurna Suraksha Bima by Universal Sompo
The policy covers pre and post hospitalization expenses for 30 and 60 days respectively.
Emergency ambulance charges of Rs. 1000 per hospitalization.
Daily allowance of 1% of sum insured or Rs 250 whichever is less for each continuous and completed period of 24 hours of Hospitalization.
Exclusions in Sampurna Suraksha Bima by Universal Sompo
Hospitalization expenses arising from all diseases which are in pre-existing condition.
Hospitalization expenses for any disease which incepts during first 30 days of commencement of insurance cover.
Any illness or disease contracted due to intake of alcohol or other addictive substances will not be covered.
Injury or diseases caused by war, invasion, act of foreign enemy.
Expenses on voluntary termination of pregnancy within first 12 weeks.