Universal Sompo Eyewear Plan

Overview

"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 humans 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 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 Eyewear 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, exclusions, the process of claiming the policy, and the company's contact details.

Depreciation Percentage of the Universal Sompo Eyewear Plan

The depreciation amount of your policy applies to every article (separately) covered under the policy. Specifications (in age and percentage) are mentioned here:

Inclusions

• Fire and allied perils
• Lightning
• Explosion/Implosion
• Aircraft damage
• Riot, Strike, and Malicious Damage
• Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood, and Inundation
• Impact damage by any Rail/Road vehicle or animal by direct contact not belonging to or owned by the insured
• Exploding/overflowing of Water Tanks, Water Apparatus, and Water Pipes
• Subsidence and Landslide, including Rock slide
• Missile testing damage and loss due to leakage from automatic sprinkler installations
• Bush Fire
• Accidental Damage
• Burglary, including theft

Exclusions

• Eyewear that is older than a year or not agreed upon by your insurer.
• Any damage due to mishandling or negligence by the user.
• Any defects from the manufacturer or supplier.
• Claims arising from improper handling, dismantling, fitting, adjustment, repair, alteration, or replacement performed by an agent or retail owner other than the manufacturer entitled to it.
• Overheating or damage due to chemical reactions.
• Replacement of spectacles/lenses due to a changed prescription.
• Damage caused by keeping the article in an inappropriate environment that does not align with the manufacturer’s guidelines.
• Sports glasses, accessories, and any embedded valuables/jewelry along with eyewear will not be covered.
• Losses within the scope of the manufacturer’s warranty are not covered.
• Transferring the policy to someone else's interest is not possible.
• Loss resulting from normal usage.
• External damages that do not impact the item’s functionality, including but not limited to dents, scratches, polish damage, or broken plastic on ports and antennae.
• An unexplained or mysteriously disappeared insured item is excluded.
• Infidelity of employees, servants, or household staff of the insured will not be covered.
• Damage due to moths, rats, mildew/moisture, inherent defects, regular usage, gradually operating causes, etc.
• Loss of the article due to theft from an unattended vehicle.
• Loss due to theft in ignorance of the insured or their family members.
• Direct or indirect loss due to the consequences of war, invasion, acts of a foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, confiscation, nationalization, or similar events.
• Loss/damage caused by action from public authority.
• Nuclear and nuclear group of perils.
• Cosmetic repairs, scratching, discoloration, wear and tear, or gradual deterioration of the eyewear, with effect to any cause or a claim arising due to a willful act.
• Consequential loss of any kind.
• Terrorism is not covered unless specifically agreed upon by the insurer.

Deductible Clauses with the Universal Sompo Eyewear Plan

According to the policy schedule, the policyholder can opt for a specific percentage (excess) of the deductible to avail of a certain percentage of the guaranteed discount. The specifications of the discount are given below:

How to Buy the Universal Sompo Eyewear Insurance Plan?

You can buy this plan from the official website of Universal Sompo General Insurance or directly reach out to the company’s customer care given below.

If you feel stuck anywhere in the buying process of this policy, give us a call at 1800 4200 269 to learn more.

How to Raise a Claim for the Universal Sompo Eyewear Insurance Plan?

The steps to follow for proceeding with the grievance redressal of the policy are:

1. Reach out to USGICL to lodge your claim against the policy.
2. The grievance redressal officer will address the claim file and proceed with it.
3. In case of any negligence regarding the claim, you can reach out to the insurance ombudsman of Universal Sompo Health Insurance to accelerate the claim proceedings.

Contact Details and Grievance Redressal for Universal Sompo Insurance Policy

Learn about the company’s Insurance Ombudsman Offices and Jurisdiction. Click here

Documents Required for Raising a Claim

• Filled and signed claim form
• Images/photographs that approve the loss of claimed item(s)
• Copy of FIR mentioning theft, burglary, riot, or strike
• Proof of product purchase/invoice with payment receipts
• Estimation of repair/purchase cost based on an expert's report or suggestion
• Indemnity letter authorized by a notary for a loss of more than INR 1 Lakh
• Bank mandate form, KYC documents, and a copy of the cancelled cheque
• Others, as requested at the time of raising a claim.

Cancellation Information for Universal Sompo Eyewear Policy

The policyholder needs to inform the company 15 days before starting the process of policy cancellation. If you cancel the policy, a pro-rata refund will be credited against the overall premiums paid. There will be no full refund in case of cancellation. Here is the tenure for which your policy remains active and the percentage of a refund at the annual rate that you will receive upon the policy's cancellation.

Summary

Are you worried about getting blurred vision in the future due to extended exposure to screens? Not anymore! Universal Sompo Eyewear insurance is here to cover you against expensive eye/vision protection articles like eye lenses, sunglasses, chromatic filter glasses, and so on.

Hope this page helped you get all the information in one place! Got more doubts? Reach out to our experts who will guide you through the thick and thin of the plan. Ring us at 1800 4200 269 or ping us on WhatsApp to learn more. You can also ‘get a quote’ to get more details of the best health insurance plans at PolicyX.