Universal Sompo General Insurance Company Limited
Universal Sompo Saral Suraksha Bima
IRDAI-MANDATED standardized Personal Accident plan. Covers Accidental Death (AD), Permanent Total Disability (PTD), Permanent Partial Disability (PPD), and optional Temporary Total Disability (TTD).
UIN USGPAIP21399V012021We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹1 cr
Claim settlement (CSR)
96%
PED waiting
0 months
Specific disease wait
0 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
—
Network hospitals
—
Free look
15 days
What this plan does well
- IRDAI-MANDATED standardized Personal Accident policy
- 100% SI for Accidental Death + PTD
- PPD per IRDAI standardized table
- Optional Temporary Total Disability cover
- Education Grant 10% SI per dependent child (max 2) — DEALBREAKER ADVANTAGE
- Funeral Expenses + Repatriation: 1% SI or ₹5,000
- Universal Sompo — Sompo Japan Nipponkoa + Indian Bank + Karnataka Bank + Allahabad Bank JV
Watch out for
- Personal Accident ONLY — does NOT cover illness/hospitalisation
- Single-year term only (1 year)
- No restoration / CB / OPD / maternity
- Funeral cap ₹5,000 (low)
- Standardized across all insurers — no insurer differentiation
- Mental illness explicitly excluded
- Universal insurer with CSR ~96.0%
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.