Universal Sompo Travel Insurance
Universal Sompo Travel Insurance
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Universal Sompo Travel Insurance

Universal Sompo General Insurance Co. Ltd. is a public-private partnership company, which is a joint venture between Indian Overseas Bank, Karnataka Bank Ltd., Indian Bank, Dabur Investment Corporation, and Sompo Japan Insurance Inc. Headquartered in Mumbai, India, the company offers an extensive list of general insurance products to its customers including motor, health, commercial, bancassurance, and others.

One of its major sellers, Universal Sompo Travel Insurance, offers protection to the policyholder in case of any mishap caused while traveling to domestic/international destinations.

Types of Universal Sompo Travel Insurance Plans

The Universal Sompo Travel Insurance comes in two plans-

  • Domestic Travel Insurance
  • Overseas Travel Insurance

1. Domestic Travel Insurance

This type of insurance policy can be availed by individuals who want to travel within India. Here, individuals can avail of coverage for expenses incurred in bodily injuries, disease, sickness, or death within the Indian territory.

Features of Domestic Travel Insurance

Mentioned below are some of the important features of Universal Sompo Domestic Travel Insurance:

  • Get coverage for personal accidents, loss of checked-in baggage, hotel accommodation, home burglary, trip delay, among others.
  • You can avail of the sum insured ranging from Rs.1 lakh to Rs.5 lakhs.
  • The entry age to avail of this insurance is 18 years to 65 years.
  • The policy period of the insurance policy ranges from 1 day to 91 days.
  • Grab coverage for emergency hotel accommodation/extension.
  • In case of hospitalisation for more than 48 hours, the insurer will pay out daily hospital cash to the insured.

2. Overseas Travel Insurance

This type of insurance policy can be availed by individuals who want to travel outside of India. Under this, individuals can avail of cover for medical expenses incurred in bodily injuries, sickness, or death. You will also get financial aid for trip delay, baggage loss, among others.

Types of Overseas Travel Insurance

Annual Multi-Trip

If you are a frequent flier or corporate traveler, this policy is best suited for you. Under this insurance plan, you can choose from four plans based on your travel destination or maximum single trip duration.

Travel Worldwide

Individuals who travel the world once in a while can avail of this policy. There are 8 plan options to choose from, based on your trip duration and destination. This plan can be availed by corporate and groups and the premium will be determined for the actual number of days the employee travels. 

Student Travel

This travel insurance plan can be availed by students who want to travel abroad to complete their education. With 6 plan options, students can choose anyone according to their needs.

Travel Asia

If you are planning to travel to your dream destination in Asia, this travel insurance is worth buying. Individuals can choose from 2 plan options, based on age, trip duration, and coverage.

How can I buy Universal Sompo Travel Insurance?

Follow the below-mentioned steps to purchase Universal Sompo Travel Insurance:

  • Visit the official website of Universal Sompo General Insurance.
  • Click 'Travel' given on the homepage.
  • Select the plan of your choice and then click 'Buy Now'.
  • If you select domestic travel, fill up all the details, and pay the premium.
  • If you select travel/overseas insurance, again choose the type of the plan and click on 'Buy Now'. Fill in the details and pay the premium.
  • A soft copy of the policy will be shared at your email address.

How can I claim for Universal Sompo Travel Insurance?

Follow the below-mentioned steps to file a claim for Universal Sompo Travel Insurance:

  • Immediately inform about the claim through the helpline number of the Overseas Assistance Provider (18775367264) with all the necessary details. Also, connect with the alarm centre.
  • The alarm centre will verify your identity through the name and passport number.
  • After the verification is done, follow the instructions given by the representative.
  • In the case of cashless settlements, if all procedures are followed, the Overseas Assistance Provider will take care of it.
  • In case of reimbursement, all settlements (except claims under Financial Emergency Assistance) will be made by the provider (in Indian rupees) once the insured is back in India.

Frequently Asked Questions

1. Can I avail of coverage for missed flight connections under Universal Sompo domestic Travel Insurance?

No, there is some limitation to avail coverage for missed flight connections under the domestic travel insurance policy. Please speak with the company representative for more information.

2. Is there any exclusion to Universal Sompo Domestic Travel Insurance?

There are a few exclusions under Universal Sompo Domestic Travel Insurance. Some of them are listed below-

  • Any pre-existing diseases
  • Loss under influence of drugs or alcohol
  • Cosmetic/beauty/reconstructive plastic surgery
  • Suicide or attempted suicide and consequential loss

3. What is the eligible age to purchase domestic travel insurance for dependent children?

The entry age for dependent children is 5 years, which goes to a maximum of 23 years.

4. What is the registered address of Universal Sompo General Insurance?

The registered address of Universal Sompo General Insurance is-

Universal Sompo General Insurance Co Ltd.

Unit No 401, 4th Floor, Sangam Complex, 127,

Andheri Kurla Road,Andheri (E),

Mumbai- 400059

Last updated on 20-11-2020