Universal Sompo health Insurance Plans

Super Healthcare Insurance

Compare India Super Healthcare Insurance quotes

Coverage type
Coverage City
Coverage amount
Date of birth
  OR age    years
 
* Name, Email Id & Mobile No. are optional 

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.

Plan Options

  • Individual Basis or Family floater
  • Top up and Super Top up

Universal Sompo Health Insurance Review

Universal Sompo Health Insurance
Universal Sompo Insurance sum insured
1 lac − 10 lacs options available
Incurred Claims Ratio *
92.00%
Universal Sompo Insurance tenure options
1 or 2 years options available
Claims Settlement Ratio **
76.67%
List of network hospitals
4,000+ hospitals
Number of policies issued *
267,221
Maximum family floater coverage
Self, Spouse + 4 dependent children
Number of lives covered *
1,137,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Universal Sompo Super Healthcare Insurance benefits

  • Eligibility
  • Key Features
  • Coverages
  • Exclusions

Eligibility Criteria of Universal Sompo Super Healthcare Insurance

  • Individuals and families
  • Members covered under any Medical expenses (Hospitalization) policy. This policy covers the medical expenses in excess of the specified deductible amount.
  • Members who do not have any Health policy can also opt for this policy; the expenses up to the deductible limit have to be borne by the member.
  • Who can be covered as dependants under Policy?
    • Family Floater Sum Insured Basis: Self, Spouse, 4 dependent Children can be covered under single Sum Insured. The premium shall be calculated as per the highest age of the family member.(Maximum 6 persons can covered under floater plan)
    • Individual Sum Insured Basis: Self, spouse, dependent children, brother, sister, dependent parent, grandparents, grandchildren, mother-in-law, father-in-law, son-in-law, daughter-in-law, dependent brother-in-law and dependent sister-in-law, Niece and Nephew.

Policy Tenure

The Policy can be taken for 1 year/ 2 Years/ 3 Years

Key Features

  • Entry age up to 80 years
  • No medical test up to 65 years
  • Maternity covered after 9 months of policy start date
  • Sum Insured up to ₹ INR 1 CR
  • Age and discount eligibility for children up to 30 years

What is the minimum and maximum entry age?

  • Minimum entry age:
    • Proposer/Adults - 18 yrs
    • Dependent Children - 91 days
  • Maximum entry age: (Adult) 80 years
  • Maximum entry age for dependent children is 30 years

Coverages of Universal Sompo Super Healthcare Insurance

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


Exclusions of Universal Sompo Super Healthcare Insurance

  • Any treatment arising from or traceable to any fertility, infertility, sub fertility or assisted conception procedure or sterilization, birth control procedures, hormone replacement therapy, contraceptive supplies, or services including complications arising due to supplying services or Assisted Reproductive Technology
  • Treatment taken from anyone who is not a Medical Practitioner or from a Medical Practitioner who is practicing outside the discipline for which he is licensed or any kind of self-medication.
  • Charges incurred in connection with cost of spectacles and contact lenses, hearing aids, routine eye and ear examinations, laser surgery for correction of refractory errors, dentures, artificial teeth and all other similar external appliances and /or devices whether for diagnosis or treatment.
  • Experimental, investigational or unproven treatments which are not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness for which confinement is required at a Hospital. Any Illness or treatment which is a result or consequence of undergoing such experimental or unproven treatment.
  • Any expenses incurred on prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, walkers, belts, collars, caps, splints, braces, stockings of any kind, diabetic footwear, glucometer/thermometer, crutches, ambulatory devices, instruments used in treatment of sleep apnea syndrome (C.P.A.P) or continuous ambulatory peritoneal dialysis (C.P.A.D) and oxygen concentrator or asthmatic condition, cost of cochlear implants.
  • Any procedure, investigation, treatment related to sleep disorder or sleep apnea syndrome, general debility, convalescence, cure, rest cure, health hydros, nature cure clinics, sanatorium treatment, rehabilitation measures, private duty nursing (unless covered under the Policy), respite care, custodial care or any treatment in an establishment that is not a Hospital.
  • Aesthetic treatment, cosmetic surgery/implants or plastic surgery or related treatment of any description, including any complication arising from these treatments, other than as may be necessitated due to an Injury or Burns.
  • Any treatment / surgery for change of sex or gender reassignments including any complication arising from these treatments.
  • Circumcision unless necessary for treatment of an Illness not excluded hereunder or as may be necessitated due to an accident
  • All preventive care, vaccination including inoculation and immunizations (except in case of post-bite treatment or when it is medically necessary and part of the treatment), vitamins and tonics.
  • Artificial life maintenance, including life support machine use, where such treatment will not result in recovery or Reload of the previous state of health
  • Non-allopathic treatment except for the AYUSH Coverage.
  • War or any act of war, invasion, act of foreign enemy, war like operations (whether war be declared or not or caused during service in the armed forces of any country), civil war, public defence,
  • Act of self-destruction or self-inflicted, attempted suicide or suicide while sane or insane or Illness or Injury attributable to consumption, use, misuse or abuse of tobacco, intoxicating drugs and alcohol or hallucinogens.
  • Any Hospitalisation primarily for investigation and / or diagnosis purpose.
Disclaimer:“For the detailed list of exclusions under the policy, kindly refer to the same provided in your policy kit”

Universal Sompo Health Insurance FAQ’s

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.

Prospectus

Review Universal Sompo Super Healthcare Insurance prospectus to understand coverage details.

Know more »

Proposal form

Fill the online Universal Sompo Super Healthcare Insurance proposal form.


Know more »

Policy wordings

Review Universal Sompo Super Healthcare Insurance policy wordings which explains the terms and conditions.

Know more »

Get quotes for Universal Sompo Health insurance!

Review and compare the best health insurance.
Compare health insurance quotes
Find the best Universal Sompo Health insurance

India health insurance blogs and articles

health insurance India
Tips for buying best mediclaim insurance

India health insurance tips and tricks to choose the best medical insurance in India Click here to read more

Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more

India health insurance coverage, factors and premium calculator

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

Universal Sompo health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

Know more »

Network hospitals

Universal Sompo Network hospitals list. Cashless & Hassle-free direct claim settlement with us at 4,000+ Hospitals

Know more »

Compare health plans

Compare Indian health insurance policies, Health insurance India comparison


Know more »

Health insurance benefits

Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.

Know more »

Portability

Portability Information for Mediclaim Insurance in India.


Know more »

Health insurance FAQ

FAQ related to Indian health insurance. Get answers for any health insurance questions


Know more »

Search Universal Sompo Health Insurance

Keep in touch

  • Address

    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
  • Send an email
CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
-

ONLINE CHAT