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Universal Sompo Complete Health Care Insurance

Universal Sompo Complete Health Care Insurance

Universal Sompo Complete Health care Insurance comes with comprehensive plans that reimburse medical expenses incurred in a hospital and also the out-patient charges and various value added services.

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Key highlights of Universal Sompo Complete Health Care insurance

The plan can be taken either on an individual basis or on floater basis.
Provides lifelong renewability.
Any treatment associated with AIDS also covered under the plan.
The plan has Sum Assured restoration feature which restores the Sum Assured if it is exhausted in any policy year.
The Sum Assured can be enhanced on plan renewals.
Health and wellness services are offered by the plan.
No medical check-ups till 55 years of age. The cost of any medical check-up conducted beyond this age would be shared by the company equally.

Universal Sompo Health Insurance Review

Number of lives covered *
1,137,000

Incurred Claims Ratio *
97.00%

Universal Sompo Insurance tenure options
1 or 2 years options available

Claims Settlement Ratio 20-21**
65.04%

List of network hospitals
5,000+ hospitals

Number of policies issued *
2,75,370

Maximum family floater coverage
Self, Spouse + 4 dependent children

Number of lives covered *
2,425,322

* As per IRDAI report for 2020-21 | ** As per NL25 data published on the Insurance Company website

Universal Sompo Complete Health Care Insurance benefits

Key Features
Plan Options
Eligibility

Key features of Complete Health Care insurance

NO Restrictions or Capping on ROOM RENT / DR CHARGES/ MEDICINE or DIAGNOSTIC charges
NO CO –PAY under the Policy
NO SUBLIMITS – on diseases or treatment procedure
Restoration Benefit FREE of COST
Recovery / Convalescent Benefit upto Rs 10000/- for prolonged hospitalization
Add On benefits to enhance your Sum Insured, Like – 11 Critical illness / PA cover / Hospital Daily cash ON BENEFIT BASIS
Cashless Facility across INDIA , in our paneled 5000 + hospitals & growing

Plan Options

Three Easy steps to choose your plan type:

Individual Basis or Family Floater
Choose your plan option: Basic or Essential or Privilege
Choose the Sum Insured and product options steps Down To Own Your Plan

Plan Options	Individual Sum Insured Basis	Floater Basis
Essential	4 Lakh and 5 Lakh	4 Lakh and 5 Lakh
Privilege	Rs 6 Lakh, Rs 7 Lakh, Rs 8 Lakh , Rs 9 Lakh and Rs 10 Lakh	Rs 6 Lakh, Rs 7 Lakh, Rs 8 Lakh , Rs 9 Lakh and Rs 10 Lakh

Eligibility of Universal Sompo Complete Health Care insurance

Minimum Age	Maximum Age	Policy Terms	Premium Frequency
18 for adults and policyholder	70 years	1 to 3 years	Single Premium
91 days for dependent children	70 years	1 to 3 years	Single Premium
1 day for children under floater plan	70 years	1 to 3 years	Single Premium

Universal Sompo Health Insurance FAQ’s

Which hospitals are covered under Universal Sompo Health Insurance?

Universal Sompo has an extensive network of 4,000+ network hospitals across India growing steadily over the years. One must get admitted to a network hospital in order to avail cashless treatment for their illness. One can get the hospital closest to them by going through the Universal Sompo network hospital list available on Universal Sompo health insurance

What tax benefits can you avail by having a Universal Sompo health insurance?

The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!

Are my family members eligible for cover as well?

Yes, your spouse, children and parents can be added as a dependant under the floater plan. The policy can also be taken for your father, mother, father-in-law, mother-in-law, son, daughter-in-law, daughter, grandparents, and grandchildren on individual basis. Your unmarried children, under the age of 18, are eligible as dependants under the policy. Your children enrolled as full-time education students are eligible until the age of 25.

Am I covered when travelling worldwide?

No, all benefits shall be payable when incurred in India only, in Indian rupees.