Universal Sompo - Janta Personal Accident Policy
Universal Sompo General Insurance is a joint venture between Karnataka Bank, Allahabad Bank, Indian Overseas Bank, Dabur Investments and Sompo Japan, an insurance company from Japan. With multiple stakeholders, the company gets the advantage of access to a huge database of customers. The company offers insurance products in Property, Marine, General Accident, Workmen Compensation and Motor.
Toll Free line: 1800-22-4030/1800-200-4030
E-mail: contactus@universalsompo.com
This policy offers compensation in case of death or bodily injury to the insured person, directly and solely as a result of an accident, by external, visible and violent means.
Unique Features of Universal Sompo - Janta Personal Accident Policy
Accidental Death - In event of an accident, if the insured dies then 100% of the sum insured will be payable.
Permanent Total: It provides for payment of compensation for bodily injury caused by accidental, violent, external and visible means resulting in Permanent Total Disablement resulting from an accident.
Eligibility Criteria for Universal Sompo - Janta Personal Accident Policy
| Category | Details | |||||
|---|---|---|---|---|---|---|
| Age Group | Min Entry Age: 5 Years Max Entry Age: 65 Years | |||||
| Renewal Age | Life Long Renewal | |||||
| Sum Insured | Up to 5 times of Yearly Income | |||||
| Policy Tenure | 1 Year | |||||
| Family Definition | Individual & Family - Self, Spouse & Children | |||||
Product Benefits of Universal Sompo - Janta Personal Accident Policy
| Benefits | Description | |||||||
|---|---|---|---|---|---|---|---|---|
| Accidental Death | 100% of Sum Insured | |||||||
| Permanent Total Disability | 100% of Sum Insured | |||||||
Add-ons for Universal Sompo - Janta Personal Accident Policy
Not Available
Additional discounts for Universal Sompo - Janta Personal Accident Policy
| Discounts | Details | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| On Duty Cover Discount | A discount up to 25% on the basic premium when Janta Personal Accident cover is only for restricted hours of duty (and not for all 24 hours of day and night) for the Insured Persons in the Policy. | ||||||||||
| Off Duty Cover Discount | A discount up to 50% on the basic premium when Janta Personal Accident cover is required only for restricted hours, when the Insured Person is not at work and/ or not on official duty. | ||||||||||
Exclusion in Universal Sompo - Janta Personal Accident Policy
- 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.
- Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exclusion, combustion shall include any self-sustaining process of nuclear fission.
- The radioactive, toxic, explosive or the hazardous properties of any nuclear assembly or nuclear component.
- 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.
- Participation in any kind of motor speed contest (including trial, training and qualifying heats)
- This Insurance does not cover any loss, damage, cost or expense directly or indirectly arising out of a) Biological or chemical contamination
- b) Missiles, bombs, grenades, explosives due to any act of terrorism
Claim Process for Universal Sompo - Janta Personal Accident Policy
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
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