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'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.
| 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 DETAILS |
Universal Sompo Eye Wear Insurance Plan |
Star Rural Micro Health |
| Product Type | Individual | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Not Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
4000 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not Covered | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Applicable |
| Plan Entry Age | 18 years | 12 Months to 65 years |
| Plan Premium Entry Age and S/A | 400 | 1735 |
| Plan Waiting Period | Covered from Day 1 | 30 |
| Plan Coverage | Individual and Group coverage | - |
| Plan Sample Premium | - | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 year | 1 Year |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Not Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Not Covered | Not Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 91.58 | 99.06 |
| Solvency Ratio | 1.97 | 2.21 |
|
Star Health Insurance Plan Detailed Review |
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