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'Beauty lies in the eyes of the beholder.' - Plato
This is why you should protect your eyes at any cost.
The eyes are one of the most sensitive organs we human beings have. We cannot even imagine our lives without eyes. What if someone's eyesight becomes blurry due to an accident, making their life difficult? Many people need various special eyewear, including spectacles, lenses, and sunglasses, to get clear vision and continue their day-to-day activities normally.
There are thousands of health insurance policies out there, but few companies offer coverage for protecting eye-related accessories. This is where Universal Sompo Health Insurance stands out by providing coverage options for eyewear.
The Universal Sompo Eyewear Insurance Plan gives you the freedom to maintain the health of your eyes. There has been an increased strain on our vision due to extended screen time and working on devices like laptops and desktops. As a result, more people have started wearing advanced sunglasses (with blue/chromatic filters) and lenses to protect their eyes from hyper-ultraviolet rays and reduce eye strain.
The Universal Sompo Eye Wear Insurance Policy ensures you are covered for vision needs such as spectacles, sunglasses, lenses, and all kinds of glasses required for eye protection. Additionally, you get extended coverage if your optical items (which you have coverage for) have suffered loss, damage, or theft. This page discusses all the coverage benefits, inclusions and exclusions, the process of claiming the policy, and the company's contact details.
| Sum Insured | The Sum Insured would be as per the insured's choice or the invoice value, whichever is lower. The minimum SI is INR 500 The maximum SI is INR 50,000 |
| Plan Type | Individual/Group policy |
| Policy Term | 1 Year |
| Coverage for (specifications) | Spectacles, Lenses & Sunglasses |
| Where is the coverage available | Within India and abroad (as per the specifications of your plan) |
| Where to get the Jurisdiction | Within India only |
| PLAN DETAILS |
Universal Sompo Eye Wear Insurance Plan |
Royal Sundaram Lifeline Plan |
| Product Type | Individual | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Not Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
4000 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Covered |
| Plan Entry Age | 18 years | 18 Years to No Upper Age Limit |
| Plan Premium Entry Age and S/A | 400 | 4284 |
| Plan Waiting Period | Covered from Day 1 | 30 |
| Plan Coverage | Individual and Group coverage | - |
| Plan Sample Premium | - | 4284 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 year | 1,2,3 Years |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Not Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 91.58 | 96.17 |
| Solvency Ratio | 1.97 | 2.20 |
|
Royal Sundaram Health Insurance |
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