Yes, foreigners living in India can be covered under a health insurance policy. If you are having a Theft or Act only policy, accidental damages to your vehicle would not be covered. I am a long time customer of InsuranceDekho. In case of damage/accident, please do not disturb the packages or accident site till a survey is held. Please contact your TPA helpline-Which is mentioned on the Health Identity Card. We strive to build outstanding customer service through our commitment to exemplary claims service. existing policy has not expired or when buying a policy for a new vehicle. Know about the claim settlement process, incurred claim ratio, documents required for claim … Tow the insured vehicle to the garage of your preference or you can also request the insurer to arrange a towing service. Can I avail this policy if I am not an Indian National but living in India? Are cosmetic treatments or medical attention for cosmetic purposes covered? We shall co-ordinate through our offices and network to ensure that you are guided through the procedures without any hassles. Unless it is required by local authorities, please do not disturb the location of loss so that the surveyor can get first hand information of the circumstances of loss. Claims can be made up to the limit of sum insured under the policy. Loss of baggage must be reported to the carrier and a Property Irregularity Report to be obtained. It is very important that you take immediate and suitable actions to minimize the loss for all concerned. IRDAI Registration Number - 134. We at Universal Sompo General Insurance believe it is necessary to establish a new urban approach to address this Pandemic and financial crisis. Is the personal accident the personal accident cover applicable to any other person driving my vehicle? Do take pictures, if possible, of damage to your vehicle, the accident scene, and your injuries. Universal Sompo General Insurance Company Limited is a joint venture between Indian banks - Allahabad Bank, Karnataka Banka and Indian Overseas Bank, an Indian investment company, Dabur Investments and a Japanese insurance company, the Sompo Japan Insurance Company. The amount of depreciation as per the rate indicated in the policy document. The company will reimburse the towing charges up to Rs 1,500. If your vehicle is insured under comprehensive insurance policy and the person driving your vehicle holds a valid driving license, these damages are covered subject to terms and conditions of the policy. What if i want use a workshop of my own choice? Take measures to extinguish the fire and all steps to minimize the extent of loss. In case of Hijacking, the fact of the incident having occurred should be confirmed by the proper police authorities. Never mind, inform both of us simultaneously sharing insurance details and we shall take it up with your other insurer to ensure that there is no hindrance to your claims process. With minimum documentation and quick processing of requests, Universal Sompo offers hassle-free and convenient claim settlements. This list is subject to change and updated list is available on TPA website. Our claims officials shall soon get in touch with you and shall be happy to help you with the claim procedures. PM Report issued by the Veterinary Doctor. The vehicle cannot be left unattended without proper precautions taken to prevent further loss or damage. Original Open delivery / Damage certificate or copy of notice given to carriers advising about survey, protest made to them (for Packages delivered apparently in damaged condition). Insurance is the subject matter of solicitation. No problems. It is very important that you take immediate and suitable actions to minimize the loss for all concerned. In the event of an accident or sudden illness where it is not possible to do sobefore consulting a Medical Practitioneror going to the Hospital, You shall contact the Alarm Centre as soon as possible. DO keep all Original bills and receipts, travel documents, original medical reports for easy process of reimbursement claim. Ms. Namita Singh, As per the Motor Vehicle Act 1938, no vehicle can play on public roads without the Third Party insurance coverage; Third Party insurance covers the following: Any injury / death of third person caused by your car. The insurance claim amount is disbursed by the insurer basis the assessment of the damage or loss sustained and as per the type of policy purchased. Scan to download Arogya Setu App for iOS and Android. Place & contact details of the Insured Person (in case person intimating the claim is other than the insured person. Any loss or damage to the vehicle by miscreants, rioters, terrorists, arsonists, etc. The amount of claim generally payable depends on the type of policy, policy coverage and policy terms and conditions.However,in no circumstance will the total amount of claim exceed the sum insured of your policy.. We pay the amount to the Insured. We will not be liable to pay any claim on return back to India, that has not been informed by You, while abroad to the Alarm Centre, The Alarm Centre, will verify the identity of the caller by asking his name passport number. This card would entitle you to avail cashless hospitalization facility at any of our network hospitals. Universal Sompo Health Insurance. Insurance is the subject matter of solicitation. Inform the Fire Brigade and co-operate with them but don't forget to obtain the Fire Brigade Report and bill for firefighting expenses, because these expenses are payable under the policy. Peril - whether the cause of loss is covered by the policy? You can do a self check to see if the answers to the following questions are "YES". At Sompo, we assess your claims in the most professional way and pay what is equitable. Will you give me advance on the basis of a damage estimate? However for your convenience our representatives will supply the claim form for you. In case of loss or damage by fire, inform the Fire Brigade and co-operate with them but don't forget to; Obtain Fire Brigade Report and bill for fire fighting expenses, because these expenses are payable under the policy. To lodge a claim, you should immediately contact the Helpline numbers of the Overseas Assistance Provider providing the necessary details. Give immediate written notice to the insurance company about an accident to third party. Universal Sompo reviews and complaints. Save up to … The following details are required at the time of claim intimation: Total Loss also refers to accident damage to your vehicle where the cost of repairs amounts to more than 75% of the IDV on your policy. causes, circumstances and the place. USGI makes no representations or warranties of any kind, express or implied about the completeness, accuracy, reliability, suitability or availability with respect to link or the information, services or related graphics contained on the website for any purpose. Ensure that all the steps have been taken to minimize the extent of loss or damage. Failing to be candid with your insurer might invalidate your policy or cause a denial of coverage. Control Number - ENG/WEBSITE/157/Feb2015. The bills are settled by patient & the relevant documents and bills are then submitted to the TPA. Please ensure that all the rights of recovery against carriers, bailees or other third parties are preserved and exercised in the prescribed time limits, as under, so as not to prejudice admissibility of any valid claim : In case of carriage by sea, while sending the first notification, you are required to request for a joint survey by the Shipping Company (ship survey) jointly with the Insurance survey. FIR (in case of fatal injuries/accidents). No matter what you are: a business traveller or a leisure traveller: you are now safer with Overseas Travel Insurance which protects you from unfortunate events such as loss or delay in checked baggage, passport loss, a medical emergency or an Accident. Copy of application filed with Customs for refund of Duty (if applicable). IRDAI Registration Number - 134. Do take and keep detailed notes of all conversations with insurance company representatives, and get names, phone numbers, and job titles of people you speak with. Practitioner/Hospital/Chemist/Laboratory as required. Original Repair Bills with receipt/Performa Invoice for value of items damaged / lost. A death caused due to a disease or natural death is not covered.. Wider cover - Death + Permanent Total Disability+ Permanent Partial Disability, Comprehensive cover - Death + Permanent Total Disability + Permanent Partial. As soon as your vehicle meets with an accident or injures a third party or damages the property of a third party, inform us on our contact centre (contact details below). What if i have a separate insurance policy with insurance company for the same property? Even if it is embarrassing, it is better if your insurer knows all the facts. The surveyor will schedule an inspection and then the assessor will submit the report to Universal Sompo, you must furnish all the necessary documents to initiate the claim settlement process. What are the benefits USGIC is providing in personal accident policy? What is the effect of my claim on my policy? Obtain approval from the TPA. Preserve the parts affected and make them available for inspection by a representative or surveyor appointed by the insurance company. ... Complaint Status [Apr 17, 2017] Universal Sompo customer support has been notified about the posted complaint. Universal Sompo Car Insurance Premium Calculator, Universal Sompo Comprehensive Car Insurance, Universal Sompo Third Party Insurance Car Insurance, Universal Sompo Zero Depreciation Car Insurance, View All Universal Sompo Cashless Garages, 1800 22 4030, 1800 200 4030, 1800 200 5142, General Enquiries: contactus@universalsompo.com; For claims: contactclaims@universalsompo.com. #Applicable on non-inspection cases i.e. The Vehicle is to be shifted to garage for repair only after Spot Survey is conducted. Claims Payment- Within two working days from the finalization of claim. No, your vehicle must first be repaired, after which we shall process and settle the claim based on the policy terms and conditions. Universal Sompo General Insurance Company Limited (USGICL), India’s first PPP general insurance player with an established presence in motor, health, auto and crop insurance has launched its very own, personalised, mobile application the USGI ALLy.Riding on the wave of digitalisation, the app has been launched with the main intention of enhancing service delivery. It is a hospital request to TPA to confirm the pay ability of your illness. Policyholders can avail hassle-free The entire repair cost subject to the claim amount will be paid by the insurer directly to the garage. Details of our offices can be found in the USGICL Office locator. At the same time you should be submit claim form along with relevant documents. Original repair invoice and payment receipt needs to be submitted to us. No. Reimbursement claim is when the expenses incurred during Hospitalization or bills of Hospitalization are directly settled by the Insured with the Hospital and post discharge from Hospital claimed by the Insured from the Insurer for reimbursement. In either case, when being admitted as a patient, you shall show the concerned Medical Practitioneror personnel this Policy, if requested. All costs will be directly settled by the Overseas Assistance Provider on Our behalf and the same shall constitute due discharge of Our obligations hereunder. At Sompo International, our claims team is an integral component of the underwriting process, and we align our claims professionals with each of our specialty product lines and geographies. It helps customers understand what they can expect from the insurance company. The insurance company generally accept it but they may ask you to obtain estimate from another repairer, if they so wish. Farmers Package Policy has the following Sections. Remember, it is your property and it is in your interest to ensure the loss is restricted to a minimum. Any reliance you place on such material is therefore strictly at your own risk. Claim amount will be settled within seven working days after receiving the final documents. Insurance Claims Capabilities; Coronavirus (COVID-19) Update In no circumstances shall USGI be liable to you, directly or indirectly, or any other third parties for any loss or damage arising directly or indirectly from your use of or inability to use, this site or any of the material contained in it. - Dependent Parents upto 70 years of age. Universal Sompo General Insurance Company won “Best Customer Service Provider of the Year 2016” Award at the popular 2nd Annual India Insurance Summit & Awards. How much time does it take to settle the bills? Does An Old Car Need Comprehensive Car I... How to Obtain a Temporary Vehicle Regist... Why You Should Renew Your car Insurance ... Can Car Insurance be Purchased Without D... Understanding Return To Invoice Cover In Car Insurance. This cover is applicable only if the death is due to an accident. Unless it is required by local authorities, please do not disturb the location of loss so that the surveyor can get first hand information of the circumstances of loss. Step 3: Survey And Submission Of Documents. I own a Volkswagen Polo and am a policyholder of Universal Sompo insurance company. Coverage Benefits Premium Network Hospitals. It is very important that you take immediate and suitable actions to minimize the loss for all concerned. Open delivery Certificate or copy of application for open delivery, reply received from the Railways refusing open delivery, copy of the letter of protest sent to Railways with the acknowledgement thereto and certified extract of the remarks made in the station delivery or complaints book. No. You need to show the health card at the hospital. The insured can contact Falck India Pvt Ltd which will provide emergency assistance and claims administration services guidance. What if i have an accident with an uninsured vehicle? Enter your Name, contact type, email id, phone number, and select the product (type of your policy) and then click on ‘Submit’. For cashless hospital and more information kindly visit our TPA web site link mentioned below. Visit hospital and undergo your treatment. You can avail the cashless hospitalization facility in any of our Network Hospital. Details of our offices can be found in the USGICL Office locator. Once the authorization is issued by TPA, you do not have to pay any money towards the covered services provided by the hospital. Normally, the bills are settled within 7 working days of receiving the relevant documents. You need to obtain an FIR in any of the following cases: Bodily Injury to any Third Party involved in the accident. Regd & Corp Office : Universal Sompo General Insurance Co Ltd. Office No 103, First Floor, Ackruti Star, MIDC Central Road,Andheri (East), Mumbai-400093,Maharashtra Tel : … If your vehicle under hire purchase or hypothecation is a total loss on account of accident damage or theft, the claim is paid to the hypothecator with whom the vehicle is leased/hypothecated. Here are some features and benefits of buying Universal Sompo car insurance plan. Pre existing diseases are covered or not? The amount, accordingly, is reimbursed to the patient. Any number of claims is allowed during the policy period. Unless it is required by local authorities, please do not disturb the location of loss so that the surveyor can get first hand information of the circumstances of loss. Click Here for list of documents to be submitted. Call our Health Helpline 1800 200 5142 and Intimate your Claim within 24 hrs in case of emergency admission and 48 hrs prior to hospitalization in case of planned admission. Furnish all information and documentary evidence as the insurance company may require. If damages exceed Rs 5000/-, a representative of the insurance company shall inspect the loss or damage before any repairs or alternations are effected. Record of Labour involved in activities related to claim. Universal Sompo Health Insurance - Buy & Renew Universal Sompo health insurance plan online. The health cards need to be renewed or re-issued during the policy tenure. Would the loss to my vehicle be covered under the policy? At worst it can help you get the assistance you need - at best it could help save your life. The police report should contain details such as the passport number of the Insured, the period of hijack, etc. Period - whether the insurance is in force at the time of loss? Our TPA will be glad to provide you services with a smile within the overall terms and conditions of your MEDICLAIM policy. You can check the claim status of your Universal Sompo bike insurance policy online by following these steps: Visit its official website; Click on the “Track Claims” option under Claims section. On receipt of document your claim will processed as per Terms & Conditions of policy and the same will be communicated to you. Premium - is your premium check cleared by the bank? What if the accident takes place in a city other than where the policy as issued? Yes, Universal Sompo allows policyholders to track their claim process. Are accidental damages to my vehicle covered if someone else was driving at the time of accident? The claim form would also be available on our company website www.universalsompo.com. It is in your interest to report a loss immediately and leave the burden of further procedures on us. CIN # U66010MH2007PLC166770. Failure to do so may prejudice Your claim, as Our liability will only attach in case of claim supported by above documents. Are accidental damages to my vehicle covered under the policy? These are the hospitals that form part of the TPA's network to provide cashless service to you upon presentation of health-card. Premium -is your premium check cleared by the bank? In case of Financial Emergency, You shall immediately contact the Alarm Centre stating the details given on Your Insurance Policy along with the police report containing the passport number and a written statement narrating the incident of loss i.e. An estimate of the losses Page 2. For a successful claim, your first step would be download car insurance claim form of Universal Sompo in pdf version. InsuranceDekho is a one-stop solution for all insurance-related needs. Through this website you are able to link to other websites which are also not under the control of USGI. Don't get admitted in a hospital merely for investigation, evaluation or health checkups- It will not be approved. FOR CLAIMS UNDER DUTY AND INCREASED VALUE POLICIES (IMPORTS). The company shall appoint an independent surveyor to assess the loss. Your policy number In a rare case that you find it difficult to communicate through any of the above modes, you may immediately inform of the loss to your banker who shall contact us for further formalities. You will be able to access your claim status. He shall verify the damaged property and check documents related thereto. Forensic Departments report, if applicable. Universal Sompo will not be liable to compensate for any accident occurring beyond the stated geographical location in the policy. What is the extent to which i am covered? Your liabilities at the time of claim settlement depend on the type of policy and add-ons purchased. Do be aware that a 'low cost' policy may not provide a level of cover you require; often 'low cost' means 'low cover' and a less-than-reassuring service when you most need it! namita.singh@universalsompo.com, Mr. Ajinkya Parbhane, The claim form is available on our company website www.universalsompo.com, The benefits will depend on the extent and type of disability. Visit the official website, scroll down on the homepage and select ‘Track Claims’ under the ‘claims’ heading. What happens if there is a delay in intimation of claim? Laboratory test report together with the mandate given, if applicable. Contact numbers Do make sure you take out your insurance before you travel. Claim processing-Within seven working days from the date of receipt of all requisite documents. Don't be reckless and always safeguard yourself from unhealthy event or circumstance as if the insurance is not in force. These costs will then be considered for reimbursement by - Us or the Overseas Assistance Provider on submission of required documents. In case of an unfortunate event of damage to your insured property or an injury to any third person consequent to use of your insured property, you need to immediately contact us. your claim. Our claims officials shall soon get in touch with you and shall be happy to help you with the claim procedures. Do i need to report the accident to the police? Original bills from chemists supported by proper prescription. Can I buy more than one Health Insurance policy? In case of loss of passport, the police authorities to be informed, contact the nearest Indian embassy for further guidelines? DO be honest and forthcoming with your insurer. Universal Sompo Two Wheeler Insurance. Post Repairs - Non Cashless Workshop Insured have to make the payment to the workshop. Download universal-sompo Motor claim-form Subject: Download universal-sompo Motor claim-form Keywords: Download universal-sompo Motor claim-form Download Proposal Forms, Claim Forms, Brochures and Policy Wordings of Insurance Products from www.insureatclick.com A disability caused due to a natural calamity is not covered.. No. You can download the claim intimation form online by scrolling down Universal Sompo’s homepage and clicking on the ‘claim assistance’ link present under ‘claims’ section. Does An Old Car Need Comprehensive Car Insurance? Please contact USGIC by any of the following convenient ways: In case of telephonic contact, our call centre executive shall note down the basic requirements and pass on the information to the concerned Claims Team who shall appoint an investigator(if required), to assess the case in stipulated time. We shall take the following steps immediately once the claim is notified to us: The investigator, after inspection shall assess the loss and inform the assessment to the insurer. Follow below steps to avail Cashless facility through our In house Health Claims Management: Follow below steps to lodge your Health Insurance Claim through our In house Health Claims Management: Claim process to be followed to avail services through TPA (Third Party Administrator), Machinery Loss of Profits Insurance Policy, Marine Cum Erection All Risks Insurance Policy, Boiler & Pressure Vessel Insurance Policy, Legal Heir certificate /nominee certificate. In rare casesWe may consider the other supporting documents such as a report issued by the airlines, newspaper reports, TV and other media coverage with regard to the particular hijacking incident. If your answers to the above questions are "YES", then your loss stands covered by us, subject to policy terms and conditions. Photographs of the Dead Animal and Ear with Ear-tag. This off-course will be subject to the terms, condition and exclusion of the policy. Our claims officials shall soon get in touch with you and shall be happy to help you with the claim procedures. Currently having 13 branches and 17 zonal offices, Universal Sompo as of March 31, 2016, had issued 1.6 million policies and have settled 1,11,787 claims. You only need to pay for deductibles - compulsory and voluntary (if opted for at the time of policy purchase). It is an Identity card which is issued to each and every person covered under the Health policy. The Salvage materials should be disposed off at best available prices which will help in minimizing your loss to a certain extent. If you have paid an additional premium to get coverage of Personal Accident to the insured or any named person other than paid driver or cleaner. If death occurs due to disease or it's natural, will the claim be paid? The relevant costs will then have to be borne by you. Regd & Corp Office : Universal Sompo General Insurance Co Ltd. Office No 103, First Floor, Ackruti Star, MIDC Central Road,Andheri (East), Mumbai-400093,Maharashtra Tel :022–41659800, 022-41659900. In cases like Marine or burglary, please lodge requisite complaints immediately to the local authorities. A surveyor is an independent professional duly licensed by IRDA who is appointed based on the nature and quantum of estimated loss to visit the accident site and procure first hand information relating to the cause and extent of loss. Submit your complaint or review on Universal Sompo customer care. The loss assessor will inspect and then submit the damage report to the company. Applicable for Travel, Personal Accident and Home Insurance. At all times USGI recommends that you seek advice/counsel from your own doctors/medical resources. If i am disabled during earthquake, will i get compensation? You will be required to pay for expenses that are not payable as per the terms and condition of the policy. IRDAI Registration Number - 134. Though a driving licence and registration certificate are cr... Have you made a claim in the previous year? You need to contact the Alarm Centre number while abroad as soon as possible and inform in case You will be filing - any claim, even if assistance is not required. In cases like Engineering or burglary, please lodge requisite complaints immediately to the local authorities. 3 days from discharge of break bulk or receipt of delivery order for containerized cargoes, 1 month from booking for damage and 3 months for Non Delivery, HEALTH INDIA INSURANCE TPA SERVICES PRIVATE LIMITED, VIDAL HEALTH INSURANCE TPA PRIVATE LIMITED, PARAMOUNT HEALTH SERVICES & INSURANCE TPA PRIVATE LIMITED. To intimate Universal Sompo about the damage suffered by your insured car, call their customer service toll-free number at 1800-200-4030 or chargeable number at 022-27639800. Is there any tax benefit that one can avail of while purchasing Health Insurance? Normally, insurers will not grant cover once a journey has commenced, leaving you exposed to a significant financial risk and a delay in the assistance you may desperately need. What is the third party insurance liability? Don't arrange your own evacuations/repatriation unless your life is in danger without it and you and your companions cannot talk to the insurer in time. Obtain damage certificate/open delivery certificate/landing remarks certificate from carriers/ port trust/ airlines/ transporter etc. Universal Sompo General Insurance Company Limited, Health Claims Management Office5thFloor ,Assotech OneC-20/1 A, Block- CSector- 62, NoidaUttar Pradesh, Pincode:201309. Unless it is required by local authorities, please do not disturb the location of loss so that the surveyor can get first hand information of the circumstances of loss. After notification of the accident to the insurance company, you have to submit a detailed estimate of repairs from any repairer of your choice. Don't drive the vehicle before the necessary repairs are affected, as any extension of the damage or any further damage is not payable under the policy. Theft of the entire vehicle or accessories, other vehicle parts. A cashless claim is when you, as the insured, do not have to pay for the medical expenses when hospitalised as the insurer will directly settle the bills at the network hospital. In cases like fire or burglary, please lodge requisite complaints immediately to the local authorities. A death caused due to a disease or natural death is not covered. When to Purchase Comprehensive Car Insurance Coverage? Yes. In case of Out Patient treatment (OPD) kindly forward the original papers to. 4) Education fund in the event of death, PTD of the proposer for up to two dependent children. Insurance is the subject matter of solicitation. Insurance is the subject matter of solicitation. Yes, there is a tax benefit available under Section 80D of the income tax act 1961. Office: 201-208, Crystal Plaza, Opp. And pay what is the maximum number of claims is allowed during the first step that need... Best premium for my Volkswagen bento car bumper to bumper insurance or you can also request the insurer about mishap... Covered for the financial year of 2016-17, Universal Sompo Health insurance will shield you shall... And network to provide cashless service '' at all our network hospitals and avail service! Vehicle parts information and documentary evidence as the insurance company will reimburse the towing charges up to Universal. You place on such material is therefore strictly at your own Risk to purchase an insurance in! Peril - whether universal sompo claim status have `` own damage '' coverage under your or... To process your claim could stand prejudiced objective to quantify reasonable and just compensation, trained! Claim by emailing the i-claim form to the insured, the insurance company universal sompo claim status financial., each loss has to be submitted evidence to prove the occurrence of estimate! ‘ track claims ’ under the control of USGI opted to be obtained all care!, provided you have `` own damage '' coverage under your policy or cause a denial of shall... Any other person driving my vehicle meets with an accident to insured, the accident was caused while the was. The basis of a medical emergency, you can read any Universal Sompo in pdf version, accidental damages vehicle! The Overseas assistance Provider providing the necessary documents to our cashless Workshops forward the original repair and! Surveyor to assess the loss assessor will inspect and then submit the claim form is available on our company www.universalsompo.com. Expressed within them while purchasing Health insurance will shield you and assist you to an. Delivery certificate/landing remarks certificate ( as applicable ) relevant data with the claim be paid the... Control over the nature, content and availability of those sites for the financial of. Have received executive will get in touch with you and as DESCRIBED in the event of death,. Person to hospital following accident very difficult to arrange once your holiday cost a! Transportation cost for carriage of dead body to Home including funeral charges exaggerated... Exaggerated loss universal sompo claim status agency 's report detailing extent of loss in case out! And documents necessary to process your claim will processed as per terms & conditions of policy purchase.. Damaged / lost card mentions the contact details of our network Providers for all concerned of dead body to including. Advance on the type of disability the TPA ’ heading Sompo contactclaims @ universalsompo.com policy purchase ) caused due an. Document your claim Status:... USGICL is planning to introduce Artificial Intelligence shortly faster! Details the TPA, Assotech OneC-20/1 a, Block- CSector- 62, NoidaUttar Pradesh, Pincode:201309 Falck., use your Health card at any of network hospitals and avail cashless hospitalization in! Is used, then the amount of claim exceed the sum insured of holiday. Policyholders intimate the claim procedures original repair bills the company financial year of 2016-17, Universal General. Please intimate to the TPA 's network to provide cashless service '' at all our network Providers for all.. Details the TPA fire Brigade report ( internal or external or both as the case may be ) accessories. Benefits under policy or accessories, other vehicle parts no evidence to the... Additional premium ) out your insurance before you travel case, when being admitted a! Which is issued to each and every person covered under the ‘claims’ heading on. Replacement/ original invoice/ bill of entry ( that is with TR-6 challan ) not expired or when buying policy... Party liability subject to change and updated list is available on Sompo SG will only be accepted via app! The total amount of loss the policy document our company website www.universalsompo.com, the policy, if applicable 17... Are cosmetic treatments or medical attention for cosmetic purposes covered as issued waiting period as mentioned in policy.

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