Universal Sompo Individual Health Insurance Policy

What is the Plan all About?

Individual Health Insurance Policy of Universal Sompo provides health cover for an individual/his family. This policy is designed to pay the hospitalization expenses of the insured person, in case he suffers an illness or accidental injury within the policy period.

Key Features:

Cashless Treatment at over 5000+ Hospitals
Avail in-patient & domiciliary hospitalization benefits
Lifetime Renewability under this plan
Get tax benefits under section 80D of Income Tax Act

Policy Benefits

Covers expenses related to in-patient hospitalization for room, boarding, nursing, surgeon / specialist fees, oxygen, charges for blood, etc.
Pre-hospitalization for a maximum of 30 days immediately before hospitalization and Post-hospitalization up to a maximum of 60 days immediately after hospitalization.
Domiciliary Hospitalization is applicable when medical treatment is done at home for more than 3 days.
Get Daily Hospital Cash equivalent to the lesser of 0.1% of the basic sum insured or Rs. 250 per day, during hospitalization. The maximum amount payable towards this benefit is Rs. 2500.

Value Added Benefits

Under No Claim Bonus benefit, the basic sum insured is increased by 5% at each renewal, for a claim free policy year, subject to maximum of 30% of basic sum insured.
Avail tax benefits under section 80D of the Income Tax Act, 1961

Sub Limits

Room Rent sublimit restricted upto 1% of basic Sum Insured
20% co pay applies to all insured older than 55 years
Intensive Care/ Therapeutic Unit expenses are covered upto 2% of basic Sum Insured
Medical Practitioner/ Anesthetist, Consultant fees, & other similar expenses are covered up to 25% of Sum Assured
Expenses on Anesthesia, Blood, Oxygen, Surgical Appliances, Diagnostic Materials, Medicines and Drugs are covered upto a limit of 40% sum insured.

Waiting Period Clause

Initial Waiting Period: First 30 days from commencement of the policy are not covered for any claims.
Pre existing Disease Waiting Period: Pre existing diseases are not covered until 48 months of continuous coverage.
Specific Waiting Period: Hospitalization expenses for specific illnesses such as CataractHernia, HydroceleArthritis, Sinusitis Dialysis Surgery on tonsils and sinuses, etc. are not covered during the first policy year.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	No Age Bar	Upto 55 Years
Sum Assured	-	Upto 5 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	-
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Critical Illness	-