ChatGPT
Claude
Perplexity
Complete Healthcare Insurance
Universal Sompo Complete Healthcare Insurance is a comprehensive health insurance plan that takes care of your medical bills during hospita…
- E-consultations
- Second medical opinions
- Vaccination
- Daily hospital cash
Universal Sompo Health Insurance
Universal Sompo Eyewear Plan
The Universal Sompo Eye Wear Insurance Policy ensures coverage for vis ...Read More
Up to 25 Cr
Sum insured
1
No. of plans
96+
Pan India presence
91.58%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,698 reviews
🏥 4,000+ hospitals
📊 1.97 solvency ratio
✅ 91.58% claim settlement
About Universal Sompo Eyewear Plan
A quick read on what this Universal Sompo Health Insurance plan covers and why it might be a fit for you.
'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 at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 years
Plan type
Individual
Sum insured options
₹5 Cr, ₹500 Cr
Waiting period
Covered from Day 1
Renewability
NA
Policy term
1 year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Fire and allied perils
- Accidental Damage
- Burglary including theft
Cons
- Damage due to mishandling
- Defect in manufacturing
- Replacement of the spectacles/lens
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Not covered
- ICU charges Not covered
- Pre-hospitalization Not covered
- Post-hospitalization Not covered
- Domiciliary hospitalization Not covered
- Day-care treatment Not covered
- OPD charges Not covered
- Covid-19 treatment Not covered
- Cataract Not covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Not covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Not covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Not covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
What is the 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:
| Age | Depreciation % |
| 0-3 months | 10% |
| 3-6 months | 20% |
| 6-9 months | 30% |
| 9-12 months | 40% |
| Exceeding 12 months | 50% |
Universal Sompo Health Insurance Network Hospital List
Universal Sompo Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Universal Sompo Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- Fire and allied perilsFire
- 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.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- SI: - 500 - 50000
- Policy Term: - 1 Year
- Initial Waiting Period: - Coverage from day 1
- Plan Type: - Individual/ Group
Other features & benefits
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:
| Excess | Discount on premium |
| 5% of the claim amount | 5% |
| 10% of the claim amount | 10% |
| 15% of the claim amount | 15% |
| 20% of the claim amount | 20% |
| 25% of the claim amount | 25% |
How to buy Universal Sompo Eye Wear 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 Eye Wear Insurance Plan?
The steps to follow for proceeding with the grievance redressal of the policy:
Step 1: Reach out to USGICL to lodge your claim against the policy.
Step 2: The grievance redressal officer will address the claim file and proceed with it.
Step 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 of Universal Sompo Insurance policy
| Website | www.universalsompo.com |
| Toll-free (customer care number) | 1800 22 4030 (for MTNL/BSNL users) or 1800 200 4030 (for others) |
| [email protected] | |
| Address | Universal Sompo General Insurance Co. Ltd, Unit No- 601 & 602 A Wing, 6th Floor, Reliable Tech Park, Cloud City Campus; Thane- Belapur Road, Airoli- 400708 OR Registered & Corporate Office: Office No 103, First Floor, Ackruti Star, MIDC Central Road, Andheri (East), Mumbai-400093, Maharashtra |
| Grievance Cell | [email protected] |
Learn about the company’s Insurance Ombudsman Offices and Jurisdiction: Click here
Documents that you need to submit at the time of raising a claim
- Filled and undersigned claim form
- Image/photographs that approve 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 based on an expert's report/suggestion
- 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, 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 to you against the overall premiums paid. There will be no full refund in case of cancellation. Here’s the tenure for which your policy remains active and the percentage of a refund at the annual rate that you’ll receive on the policy’s cancellation.
| Time for which the Policy is in force | Refund of Premium |
| For a period not exceeding 15 days | 90% of the Annual rate |
| For a period not exceeding 1 Month | 85% of the Annual rate |
| For a period not exceeding 2 Months | 70% of the Annual rate |
| For a period not exceeding 3 Months | 60% of the Annual rate |
| For a period not exceeding 4 Months | 50% of the Annual rate |
| For a period not exceeding 5 Months | 40% of the Annual rate |
| For a period not exceeding 6 Months | 30% of the Annual rate |
| For a period not exceeding 7 Months | 25% of the Annual rate |
| For a period not exceeding 8 Months | 20% of the Annual rate |
| For a period not exceeding 9 Months | 15% of the Annual rate |
| For a period exceeding 9 Months | Nil |
Long story short
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.
Universal Sompo Eyewear Plan: FAQ’s
The 6 most-asked questions about Universal Sompo Eyewear Plan, answered.
The plan widely covers eye protection articles such as - Spectacles, Lenses & Sunglasses.
Anyone who wants this policy as an Individual or a Group can buy it. Group policy is also applicable on the Employer-Employee and Non-Employer-Employee basis.
Yes, you can get your policy cancelled 15 days after informing the insurer about your policy’s cancellation.
In case of a claim against a partial loss, the value of the sum insured will be reinstated as the original sum insured on making a payment of an additional premium. However, in case of a claim against total loss (of any one item), the coverage (of the same) will be ceased and there won’t be a chance of a refund against an overall premium that you’ve paid for that policy tenure.
Yes, anyone can buy this plan.
You need to pay barely 100 rupees if your eye article costs somewhere around INR 10,000 (Though it depends on your requirements).
Health Insurance Articles
Is a Fractured Leg Covered by Health Insurance?
How Senior Citizens Can Get Health Insurance Tax Benefits u/s 80D
How Air Pollution Is Silently Causing 10 Health Diseases
Eye Conditions Actually Covered Under Health Insurance in India
Claim Settlement Ratio of Health Insurance Companies 2026.
Health Insurance for Cancer
See More Health Insurance Articles
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
Compare Health Insurance Plans
Select a company and plan for each side to see a detailed side-by-side comparison.
Other Health Insurance Companies
Share your Valuable Feedback
Rated by 2,691 customers
Was the Information Helpful?
Select Your Rating
We would like to hear from you
Let us know about your experience or any feedback that might help us serve you better in future.
Do you have any thoughts you'd like to share?