Universal Sompo Eye Wear Health Insurance Plan
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Universal Sompo Health Insurance Universal Sompo Health Insurance ★ 4.4

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
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,690 reviews
🏥 4,000+ hospitals
📊 1.97 solvency ratio
✅ 91.58% claim settlement

The Universal Sompo Eye Wear Insurance Policy ensures coverage for vision needs such as spectacles, sunglasses, lenses, and all kinds of glasses required for eye protection. You also get extended coverage if your optical item has suffered loss, damage, theft, etc.

Why Do We Recommend This?
  • Sum insured up to 50,000
  • Coverage from  day 1
  • Available on individual and group basis

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

A quick look at what this plan covers — and what it doesn't.

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

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

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

Frequently Asked Questions

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).

Explore Universal Sompo Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 5 Jun 2026 · Originally published: 10 Oct 2024

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