Universal Sompo health Insurance Plans

Universal Sompo Corona Rakshak Insurance

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  OR age    years
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Universal Sompo Corona Rakshak - highlights

  • 100% Lump-sum on positive diagnosis of COVID by Govt authorized centre.
  • Minimum of Rs.50,000/- to Maximum of Rs.2,50,000/- (in the multiples of fifty thousand) on individual basis.
  • Covered for Individual
  • Universal Sompo Corona Rakshak policy shall be offered with a policy term of 3 ½ months, 6 ½ months and 9 ½ months

Universal Sompo Health Insurance Review

Universal Sompo Health Insurance
Number of lives covered *
Incurred Claims Ratio *
Universal Sompo Insurance tenure options
1 or 2 years options available
Claims Settlement Ratio 20-21**
List of network hospitals
5,000+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 4 dependent children
Number of lives covered *
* As per IRDAI report for 2020-21   |   ** As per NL25 data published on the Insurance Company website

Universal Sompo Corona Rakshak health insurance review

  • Eligibility
  • Benefits
  • Claims
  • Exclusions

Eligibility of Universal Sompo Corona Rakshak Health Insurance

  • Minimum entry age shall be 18 years and maximum age at entry shall not be less than 65 years

Benefits of Universal Sompo Corona Rakshak Insurance

Particulars Details of the Plan
Plan Variants COVID 19 Standard Benefit based health policy, Corona Rakshak will have No plan variants.
Individual Basis Corona Rakshak shall be offered on Individual basis only.
Category of Cover The cover shall be made available on Benefit basis with Coverage to be equal to Lump sum benefit of 100% of the Sum Insured shall be payable on positive diagnosis of COVID, requiring hospitalization for a minimum continuous period of 72 hours.
Minimum and Maximum Sum Insured Minimum Sum Insured : ₹50,000/- (Fifty Thousand only)
Maximum Sum Insured : ₹2,50,000(Two lacs and Fifty Thousand only)
(in the multiples of fifty thousand)
Policy Period Corona Rakshak policy shall be offered with a policy term of
  • Three and half months (3 ½ months)
  • Six and half months (6 ½ months)
  • Nine and half months (9 ½ months)
Modes of premium payment Single premium payment mode shall only be allowed.
Entry age Minimum entry age shall be 18 years and maximum age at entry shall not be less than 65 years
Benefit Structure / Termination On payment of 100% of sum insured the policy shall be terminated.
Waiting Period 15 days
Tax Benefits As per Section 80D, Income Tax Act 1961

Claims Procedure for Universal Sompo Corona Rakshak Insurance

Any notice, direction or instruction given under this Policy shall be in writing and delivered by hand, post, or facsimile to:
  • Address: Universal Sompo General Insurance Co. Ltd.
    Express IT Park, Plot No. EL-94, T.T.C. Industrial Area, M.I.D.C., Mahape,
    Navi Mumbai-400710
  • Toll Free Numbers: 1800 267 4030
  • Landline Numbers: (022)- 39635200
  • E-mail Address: contactus@universalsompo.com

Exclusions under the Universal Sompo Corona Rakshak Insurance

Following is a partial list of the policy exclusions. Please refer to the policy
  1. Admission primarily for investigation & evaluation
  2. Any diagnosis which is not related and not incidental to COVID is not covered in this Policy
  3. Testing done at a Diagnostic center which is not authorized by the Government shall not be recognized under this Policy

FAQs for Universal Sompo Corona Rakshak medical insurance for Covid19

You can avail coverage from ₹50,000/- (Fifty Thousand) to ₹2,50,000 (Two Lacs Fifty Thousand) under Rakshak plan, a specific health insurance policy for coronavirus treatment. The policy can be bought on Individual basis only.

What is the need for a separate Covid health insurance policy ?

An Individual can avail this policy to take care of their treatment expenses arising out of Covid-19 and avoids out of pocket expenses. In the case of existing health insurance policyholders, holding an additional Covid-specific policy would make the coverage more comprehensive. Unlike a basic health insurance policy, a Covid specific policy covers medical treatment incurred during home quarantine and at Covid care centres, even if it does not ultimately lead to hospitalisation. Additionally, the policy covers expenses towards PPE's, masks, gloves, oximeters, oxygen cylinders, nebulisers, AYUSH treatment etc.

This plan will cover the medical expenses incurred for hospitalisation of the insured person during the Policy period for the treatment of Covid-19 on positive diagnosis of the condition in a government authorized diagnostic centre including the expenses incurred on treatment of any co-morbidity along with the treatment for Covid-19 up to the Sum Insured specified in the policy schedule, for

  • Room Rent, Boarding, Nursing Expenses as provided by the Hospital/ Nursing Home.
  • Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.
  • Surgeon, Anaesthetist , Medical Practitioner , Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital.
  • Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and such similar other expenses.

This policy can be availed by persons between the age of 18 Years and 65 Years, as Proposer.

Three and half months (3½ months), Six and half months (6½ months), Nine and half months (9½ months) including waiting periods are the tenure options.

You can proceed with the claim if you test positive with COVID-19 at any of the government authorized diagnostic Centre. Once you receive the report you can inform the insurer and can proceed with the claim.

Can I buy Corona Rakshak Covid19 health insurance policy online?

Yes, you can buy Corona Rakshak health insurance policy online from eindiainsurance .You can select the policy from any of the insurance providers as per your preference, make the payment and receive the policy over e-mail.

Is there any waiting period applicable to Universal Sompo Corona Rakshak Policy?

Yes, this policy comes with a waiting period of 15 days and you can only file a claim after completion of 15 days.

Yes, Corona Rakshak health insurance policy covers comorbidities and pre-existing comorbidities. This is however subjective to each insurance company, so check the policy wordings before making a decision.

Yes. You can avail a tax benefit available under Section 80D of the Income Tax Act 1961 by buying a health insurance policy. Every taxpayer can avail an annual deduction of Rs. 15,000 from his/her taxable income for premium for self, spouse and dependent children. For senior citizens, this amount is Rs. 20,000. Please note that you will have to show the proof of payment of premium. (Section 80D benefit is in addition to the exemption of Rs 1,50,000 under Section 80 C). Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.


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Proposal form

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Policy wordings

Review Universal Sompo Corona Rakshak insurance - Comprehensive policy wordings which explains the terms and conditions.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025