Super Healthcare Insurance plan will take care of your medical expenses worldwide.The Super Healthcare insurance plan that boosts your existing plan to provide you options of higher Sum insured and extended cover to meet your medical expenses.
|Top Up||Super Top Up|
|Plan 2||Plan 3||Gold||Diamond||Platinum|
|1||Sum Insured Options||2, 3, 5, 7, 10 Lacs||5, 7, 10, 15, 20 Lacs||2, 3, 5, 7, 10 Lacs||3, 5, 7, 10, 15, 20 Lacs||10, 15, 20, 30, 50, 100 Lakhs|
|2||Deductible||3,4, 5 Lacs||6,7,8,9,10 Lacs||3,4 5 Lacs||6,7,8,9,10 Lacs||10, 15, 20,30, 40 Lacs|
|3||Deductible Applicable||Per admissible claim basis||Per admissible claim basis||Per policy year basis||Per policy year basis||Per policy year basis|
|4||Inpatient Hospitalization||Minimum 24 Hrs. hospitalisation as an In-patient||Covered||Covered||Covered||Covered||Covered|
|5||Day Care||Treatment Medical Expenses for day care treatment/ surgical procedures, taken as an inpatient for less than 24 hours in a Hospital or day care centre but not in the outpatient department(399+)||Covered||Covered||Covered||Covered||Covered|
|6||Pre Hospitalisation||Medical expenses incurred prior to the covered Hospitalization||30||60||60||90||120|
|7||Post Hospitalisation||Medical expenses incurred after to the covered Hospitalization||60||90||90||120||150|
|8||Room Rent||Amount charged by a Hospital towards Room and Boarding expenses and includes the associated medical expenses.||Actual expenses or up to the Sum Insured||Actual expenses or up to the Sum Insured||Actual expenses or up to the Sum Insured||Actual expenses or up to the Sum Insured||Actual expenses or up to the Sum Insured|
|9||Domiciliary Hospitalisation||The Company will pay for the medical expenses incurred by Insured member(s) for medical treatment taken at home which would otherwise have required Hospitalization||up to the Sum Insured||up to the Sum Insured||up to the Sum Insured||up to the Sum Insured||up to the Sum Insured|
|10||Organ Donor||Medical Expenses for a successful organ transplant including pre transplant medical test for legitimate donor and harvesting the organ, up to SI.||Covered||Covered||N/A||Covered||Covered|
|11||Ambulance Expenses||Actuals or maximum up to ₹ INR 2000||Actuals or maximum up to ₹ INR 3000||Actuals or maximum up to ₹ INR 3000||Actuals or maximum up to ₹ INR 3500||Actuals or maximum up to ₹ INR 4000|
|12||AYUSH Benefit||Covered up to the Sum Insured||Covered up to the Sum Insured||N/A||Covered up to the Sum Insured||Covered up to the Sum Insured|
|13||Automatic Restoration||100% of Base Annual Sum Insured||Available||Available||N/A||Available||Available|
|14||Bariatric Surgery Cover||Coverage for reasonable and customary expenses for Bariatric Surgery||N/A||N/A||N/A||Covered – 3 lacs||Covered – 5 lacs|
|15||Emergency Assistance Services||Available||Available||N/A||Available||Available|
|16||Cumulative Bonus||20% increase in SI for every claims free year subject to maximum of 100%.The increased SI shall be decreased by 20% in event of claim.||Covered||Covered||Covered||Covered||Covered|
|17||Health Check-Up||For every renewal, we will provide free health check-up for insured member in our empanelled hospitals/diagnostic centre, irrespective of the claims.||Covered||Covered||Covered||Covered|
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.
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more