Universal Sompo’s Individual Health Insurance Policy which is acomprehensive Health Policy designed in a way to suit your need andfit your pocket while providing a wide Coverage. The Policy is yourprotection against spiralling medical costs. The Policy is available forIndividuals and Families. The Policy covers you and your dependent’shealth-related expenses right from consultation leading tohospitalization for covered treatment and even the PostHospitalization expenses.
|Sum Insured||Options ranging from Rs. 1 lac to 5 lacs. Familiescan be covered for minimum SI of Rs. 2 lacs|
|Cashless Facility||Provided in over 5000 network hospitals across India|
|Medical Practitioner/ Consultant fees||Upto 25% of Basic Sum Insured|
|Pre Hospitalization||For upto 30 days prior to Hospitalization|
|Post Hospitalization||For upto 60 days post hospitalization|
|Day Care Procedures||Covered both on Cash less and Reimbursement basis|
|Domiciliary Hospitalization||Up to 20% of Basic Sum Insured|
|Daily Allowance||0.1% of the Basic Sum Insured or Rs. 250/- per day for the duration of hospitalization whichever is less subject to maximum of Rs. 2500/-|
|Pre Existing Diseases||Covered after 4 Claim free Policy Years with Us.|
|Ambulance Charges||Limit of 1% of Basic Sum Insured subject to maximum of Rs. 1000/- each Claim|
|Health Check up||Covered at the end of 4 Claims free Policies with Us.|
|Cumulative Bonus||5% of basic Sum Insured at each continuous claim free renewal subject to maximum of 30% of the Basic Sum Insured.|
|Add on: Critical Illness Rider (On Cashless basis). Available at inception, facility to double theBasic Sum Insured for the following 5 Critical Illnesses on Payment of Additional Premium||
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
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!
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.
No, all benefits shall be payable when incurred in India only, in Indian rupees.
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