Universal Sompo Eye Wear Insurance Plan

‘Beauty lies in the eyes of the beholder.’ - Plato

This is the reason you should protect your eyes at any cost.

The eyes are one of the most sensitive organs that we human beings have. We can’t even imagine our lives without eyes. Who knows, if someone’s eyesight becomes blurry due to an accident and their life becomes difficult? Many people need various special eyewear including spectacles, lenses and sunglasses to get a clear vision and continue their day-to-day activities normally.

There are thousands of health insurance policies out there, but no company gives coverage for protecting your eye-related accessories. Here comes the golden part of a company like Universal Sompo Health Insurance that provides coverage options for eyewear.

The Universal Sompo Eyewear Insurance Plan gives you the freedom to maintain the health of your eyes. As you know, there has been an increased strain on our vision due to elongated screen time and working on devices like laptops & desktops. Resultantly, more people have started wearing fancy sunglasses to protect their eyes from hyperultraviolet rays like advanced sunglasses (with blue/chromatic filter) and lenses to reduce eye straining.

The Universal Sompo Eye Wear Insurance Policy makes sure you get covered for vision needs such as spectacles, sunglasses, lenses and all kinds of glasses that are required for eye protection. Not only this, you get extended coverage if your optical item/s (which you have got coverage for) have gone through a loss/damage/theft/etc. This page discusses all the coverage benefits, inclusions and exclusions, the process of claiming the policy, the company’s contact addresses and details, etc.

To know more about the plan read the brochure provided below:

What is the depreciation(s) 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 %) are mentioned here:

Inclusions of Universal Sompo Eyewear Insurance Policy

Here’s a section illustrating the inclusions (what’s covered) under the Universal Sompo Eye Wear Insurance plan:

The company will provide coverage for the damage caused to your eyewear under specified conditions/events like

1. Fire and allied perils

   • Fire
   • 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

2. Accidental Damage

3. Burglary including theft

Exclusions of Universal Sompo Eyewear Insurance Plan

Read here the Exclusions (What’s not covered) under the Universal Sompo Eyewear Insurance:

• Eyewear that is older than a year or agreed by your insurer.
• Any damage due to mishandling or negligence to carry the article on the user’s side.
• Any defects from the end of the manufacturer or supplier.
• Raising a claim that comes from improper handling, dismantling, fitting, adjustment, repair, alteration, or replacement performed by another agent or retail owner other than the manufacturer entitled to it.
• Overheating/due to chemical reactions.
• Replacement of the spectacles/lens on a changed prescription.
• A damage that is caused by keeping the article in an inappropriate environment that does not align with the manufacturer’s guidelines.
• Sports glasses, accessories & any embedded valuable/jewellery along with eyewear won’t 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 registered 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 item that was insured is excluded.
• Infidelity of employees, servants, or household staff of the insured will be not covered.
• Damage due to moths, rats, mildew/moisture damage or inherent defect, damage due to regular usage, gradually operating cause, etc.
• Loss of the article due to theft from an unattended vehicle/s.
• Loss due to theft in ignorance of the insured or their family members.
• Direct or indirect loss due to the consequences of war, invasion act of a foreign enemy, hostilities (whether war be declared or not), Civil war, rebellion, revolution, insurrection, Military or usurped power, Confiscation, nationalisation, or likewise.
• Loss/damage caused by the action from public authority.
• Nuclear and nuclear group of perils.
• Cosmetic repairs, scratching, discolouration, wear and tear or gradual deterioration of the eyewear, with effect to any cause or a claim rising due to a willful act.
• Consequential loss of any kind.
• Terrorism is not covered from the coverage scope unless concerning the insurer.

Note: The list of inclusions and exclusions is taken from the policy prospectus of the Universal Sompo Eye Wear Insurance Policy which is subject to variability. You must check through the relevant policy wordings/schedules on your own.

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:

Documents that you need to submit at the time of raising a claim

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

Explore other Universal Sompo Health Plans

Universal Sompo Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.