Universal Sompo Health Insurance FAQs

After receiving the relevant documents, Universal Sompo settles the bills within 7 working days.

There is no limit on the number of claims allowed during a policy term. Claims can be made up to the limit of sum insured under the policy.

Each company pays a relatable proportion of the loss in case the claims are made.

The claim must be submitted in the 30 days after the hospitalisation.

After receiving the relevant documents, Universal Sompo settles the bills within 7 working days.

There is no limit on the number of claims allowed during a policy term. Claims can be made up to the limit of sum insured under the policy.

Each company pays a relatable proportion of the loss in case the claims are made.

You must be a resident of India and aged between 18 years to 65 years to be able to purchase Critical Illness Policy by Universal Sompo.

Following diseases are covered up to the sum insured in Critical Illness Health Insurance Plan by Universal Sompo: Open Chest CABG, Cancer at a specific stage, First heart attack of a certain severity, Open heart replacement, Permanent paralysis for limbs, Coma of certain severity, etc.

Some of the plan exclusions are: Pre-existing diseases until the waiting period is served for 48 months with continuous coverage; convalescence, general debility, rest cure, lethargy etc.; cosmetic or plastic surgery is excluded from the plan.

Yes, Universal Sompo provides a Critical Illness Policy that covers 11 critical illnesses.

You must be a resident of India and aged between 18 years to 65 years to be able to purchase Critical Illness Policy by Universal Sompo.

Following diseases are covered up to the sum insured in Critical Illness Health Insurance Plan by Universal Sompo:

• Open Chest CABG
• Cancer at specific stage
• First heart attack of certain severity
• Open heart replacement
• Permanent paralysis for limbs
• Coma of certain severity
• Multiple Scelerosis with persisting symptoms
• Major organ transplant
• Kidney failure
• Open heart replacement
• Motor Neuron Disease with Permanent Symptoms

Some of the plan exclusions are:

• Pre-existing diseases are not covered until the waiting period is served for 48 months with continuous coverage.
• Convalescence, general debility, rest cure, lethargy etc. are not covered.
• Cosmetic or plastic surgery is excluded from the plan.
• Any experimental treatment performed by the Physician is excluded.

Yes, the health insurance plan for the family provides coverage for maternity and OPD.

Yes, family floater health insurance plans can be purchased online.

The family floater health insurance policy provides restoration benefit to the policyholders.

The policy can be purchased for 1 year, 2 years and 3 years.

Family floater plans provided by Universal Sompo can be purchased for sum insured options of Rs. 1 lakh, Rs. 2 lakh, Rs. 3 lakh, Rs. 4 lakh, Rs. 5 lakh, Rs. 6 lakh, Rs. 7 lakh, Rs. 8 lakh, Rs. 9 lakh, and Rs. 10 lakh.

Family health insurance policy by Universal Sompo is an ideal purchase for families that want to ensure peace of mind as well as financial stability even during critical medical situations. So, if you have a family that you want to insure under a single sum insured, buy Complete Healthcare Insurance by Universal Sompo.

Making any sum insured changes during the policy tenure of your Universal Sompo family health insurance would not be possible as the company does not allow the same. To make the desired changes, it would be best to wait until the time of policy renewal.

Complete Healthcare Insurance, Universal Sompo’s family health insurance plan comes with multiple benefits. The key ones include vast cover, single sum insured floats around for all family members, no need to manage multiple individual policies, can cover up to 4 dependent children, no claim bonus, 15 days free-look period, 70 years as maximum entry age, multiple add-ons available to enhance the cover, affordable premium and more.

Complete Healthcare Insurance, Universal Sompo’s family plan provides coverage for inpatient hospitalisation expenses, pre and post hospitalisation coverage, maternity expenses, OPD cover, cover for people with HIV/AIDS, second opinion, restoration of Sum Insured, wellness package, emergency ambulance charges, No Claim Bonus, domiciliary hospitalisation cover, convalescence benefit, dental treatment costs due to accident, etc.

Yes! Under Universal Sompo family health insurance policy provides tax benefits as per Section 80D of the Income Tax Act, 1961 for the policy premium paid.

Once all the relevant documents are received, it normally takes 7 days to settle the bills.

A health card is an identity card issued to policyholders. It enables them to avail cashless treatment at every network hospital.

No, you need to get your health card renewed or reissued during the policy tenure.

Depending on the policy you have bought, all family members, including spouse, dependent children (above 91 days under 23 years) are covered. Parents up to 70 years are also covered.

Hospital list is provided to you with your health card. However, this list is subject to change. You can find the updated list on the TPA website.

Yes, foreigners living in India are eligible for getting covered under a policy. But, the coverage is restricted to India only.

The toll-free numbers of Universal Sompo Health Insurance are - 1800-200-4030 and 1800-200-5142.

The policy can be purchased for 1 year, 2 years and 3 years.

The single premium has to be paid.

Universal Sompo’s individual health insurance policy is an ideal choice for any individual who wants to get their medical expenses to be taken care of at the time of an unexpected medical emergency. If you are interested in buying health insurance solely for yourself, Universal Sompo’s Individual Health Insurance Plan would be the ideal choice for you.

If looking forward to getting the sum insured of your Universal Sompo individual health insurance changed, it is advisable to wait until the policy renewal since insurers do not allow any changes during the policy period or policy tenure.

Buying Universal Sompo’s individual health insurance plan will grant you multiple advantages. Some of the prime benefits of the policy include lifelong renewability, cashless facility at more than 4000 network hospital, inhouse claim settlement, n need for pre-medical checkup up to the age of 45 years, free health checkup once at the end of every four claim free years, 5% cumulative bonus, tax benefits, optional coverage for critical illness and many more.

Universal Sompo under its individual health insurance policy provides cover for inpatient hospitalization, pre & post hospitalization, domiciliary treatment, daily hospital cash benefit, day care treatment, ambulance expenses, organ donor transplant & procedure, as well as optional cover to include critical illness, etc.

Yes! Under Universal Sompo’s individual health insurance policy, you can avail tax benefits for the premium paid as per Section 80D of the Income Tax Act, 1961.

No, kids do not have to undergo any medical examination before they get covered under a health insurance plan. Only persons above 45 to 55 years of age depending upon the declaration of the pre-existing disease have to undergo the same.

Floater options available to you in Universal Sompo’s Complete Healthcare Insurance Plan are:

• 1 Adult+1 Child
• 1 Adult+2 Child
• 2 Adult + 2 Child
• 1 Adult+ 3 Child
• 2 Adult + 3 Child
• 2 Adult
• 2 Adult+1 Child
• 2 Adult+4 Child

Some of the benefits that the children get under health insurance plans by Universal Sompo are:

• Pre and post hospitalisation expenses are covered
• Dental treatments in case of accidents
• Daily allowance to meet the non-medical expenses incurred for kids under 12 years if they are hospitalised for a minimum of 72 hours.
• Outpatient consultation expenses are covered after a waiting period of 3 years.

Parents who want to insure their dependent children along with themselves under the same policy should buy Universal Sompo kids health insurance plan, Complete Healthcare Insurance. Keep in mind that the policy provides cover for up to 4 dependent children, right from age day 1 up to 25 years.

If you want to change the sum insured amount of your Universal Sompo kids health insurance, make sure you do so during the policy renewal time and not during policy tenure. Remember, health insurance companies do not allow any changes during the policy period.

The significant advantages of Universal Sompo kids health insurance plan include coverage for up to 4 children, cover for newborn baby, lifetime renewability of policy, cashless facility at 4000+ network hospitals, massive coverage, quick inhouse claim settlement, sum insured range up to Rs. 10 Lakh, different add-on covers to increase the coverage benefits, automatic sum insured restore benefit, affordable premium and many more.

Universal Sompo kids health insurance plan provides cover for many features. The major coverage benefits include inpatient hospitalization, pre & post hospitalization, domiciliary hospitalization, vaccination in case of animal bite, emergency ambulance expenses, AYUSH benefit, daily cash for accompanying an insured child, daycare procedure, cumulative bonus, sum insured restore, dental treatment in case of accidents, and many others.

Yes! A Universal Sompo kids health insurance policyholder is eligible to avail tax benefits as per Section 80D of the Income Tax Act, 1961 for the policy premium paid.

Yes, to avail maternity and new born benefits, you have to complete waiting period that differs with different plans.

Yes, you can buy such health insurance plans online.

Routine pregnancy, pre and post natal expenses, and baby care expenses are covered under maternity benefits.

Universal Sompo maternity health insurance Complete Healthcare Insurance is a perfect choice for married couples and women who wish to start a family soon. Since the waiting period associated with maternity benefits under the plan is 3 years, it is advisable to buy the plan accordingly.

To make any change to your sum insured amount of Universal Sompo maternity health insurance, the ideal time would be policy renewal and not policy tenure as the insurer does not permit any change during the policy tenure.

The key advantage of the Universal Sompo maternity health insurance plan is that it provides cover for maternity and newborn baby benefits at an affordable premium rate. Other benefits include cashless facility at 4000+ network hospitals, lifelong renewability of policy, inhouse claim settlement, sum insured range up to Rs. 10 Lakh, multiple add-on benefits to increase the cover, etc.

Maternity benefits, newborn baby benefits, inpatient hospitalization, pre & post hospitalization, domiciliary hospitalization, cumulative bonus, vaccination in case of animal bite, sum insured restore, daily cash for accompanying an insured child, daycare procedure, emergency ambulance expenses, AYUSH benefit, dental treatment in case of accidents, and many more features are covered under the Universal Sompo maternity health insurance plan.

Yes! Universal Sompo maternity health insurance policy provides tax benefits under Section 80D of the Income Tax Act, 1961 for the policy premium paid.

Individuals above 45 to 55 years of age have to undergo a medical examination depending upon the declaration of pre-existing disease.

The older someone gets, the more difficult it gets to buy regular health insurance. So, it is better to purchase a specialized health insurance plan for them that address their hospitalisation or medical requirements.

Parents covered under health insurance plans offered by Universal Sompo enjoy the following benefits:

• Coverage for expenses related to domiciliary hospitalisation
• Option to cover critical illnesses
• In-patient hospitalisation expenses covered
• Pre and post hospitalisation expenses are covered
• Charges for blood, hospitalisation are covered

Universal Sompo parents health insurance policy is a perfect purchase for elderly and parents who feel buying health insurance can bring financial stability in an unfortunate medical emergency situation.

The ideal time to make any change to the Universal Sompo parents health insurance policy would be policy renewal period. Since health insurance companies do not allow any changes during the policy tenure, it is advisable to wait until it is time to renew your policy.

There are many advantages of Universal Sompo parents health insurance. The major benefits include lifelong renewability of policy, cashless facility at 4000+ network hospitals, wide coverage, hassle-free inhouse claim settlement, sum insured range up to Rs. 10 Lakh, freedom to choose add-ons to increase the coverage benefits, automatic sum insured restore benefit, reasonable premium and more.

Some of the key coverage features under Universal Sompo parents health insurance plan include inpatient hospitalization, pre & post hospitalization, domiciliary hospitalization, daycare procedure, cumulative bonus, sum insured restore, vaccination in case of animal bite, emergency ambulance expenses, AYUSH benefit, daily cash for accompanying an insured child, dental treatment in case of accidents, and many more.

Yes, it does! A Universal Sompo parents health insurance policy provides tax benefits as per Section 80D of the Income Tax Act, 1961.

To get your health insurance policy ported to Universal Sompo Contact Universal Sompo. You will have to fill an application form for porting the policy. Your application will then be processed.

You need to inform Universal Sompo at least 45 days prior to the expiry of your present period of insurance. You can avail the benefit at the time of renewal only.

No, you can avail the portability benefit only at the time of renewal of your existing policy.

Yes, Star Health offers discount on premium on some of the health insurance plans available with it.

Yes, Universal Sompo allows you to pay health insurance premiums online.

Yes, you are entitled to the refund of premium on the pro rata basis for the unexpired period of the policy which Universal Sompo pays on demand.

No. If you cancel your Universal Sompo Health Insurance Policy up to 1 month of its commencement, Universal Sompo retains 25% of the annual premium.

You can visit the official website of Universal Sompo (www.universalsompo.com) and click on the Get Quote tab after filling in your personal details to get an idea of the premium amount. You can also visit the health insurance broker’s website like www.insurancedekho.com to get the best price.

Any senior citizen aged above 60 years can purchase this policy to cover himself/ herself and his/her spouse.

Yes. Senior citizens and their spouse (if proposed for insurance under the Policy) may be asked to undergo medical tests for purpose of consideration of Your proposal. If the proposal to purchase the policy has been accepted, 50% of the amount of the tests will be reimbursed.

The policyholders get several added benefits with this policy such as-cumulative bonus, family discounts, options for sum insured, portability, free look up period and so on.

Any senior citizen aged more than 60 years who wishes to insure themselves a well as their spouse can buy Universal Sompo senior citizen health insurance plan. While the minimum entry age is 60 years, the maximum entry age is 70 years.

If you want to make any changes to the sum insured amount of your Universal Sompo senior citizen health insurance policy, the right time to do so would be policy renewal and not policy period as the latter is not allowed by health insurance companies.

Senior Citizen Health Insurance by Universal Sompo has many advantages including comprehensive cover, easy in-house claim settlement, cumulative bonus, family discounts, options for sum insured, portability, free look up period and affordable premium are to name a few.

Universal Sompo senior citizen health insurance plan provides cover for in-patient treatment expenses, pre & post hospitalization, day care procedures and surgeries, daily hospital cash allowance, emergency ambulance charges, expenses of accompanying person, optional cover for critical illness/surgical procedure and many more.

Yes! Under Section 80D of the Income Tax Act, 1961 a Universal Sompo senior citizen health insurance policyholder can avail tax benefits for the premium paid.

Health insurance plan for women in Universal Sompo is available on both individual and family floater basis.

Yes, Universal Sompo provides coverage for women and special benefits for them under its health insurance plans.

Universal Sompo provides the following benefits under its women-centric health insurance plans-

• Pre and post maternity expenses are covered
• Coverage for a newborn baby is provided
• Day care procedures are covered
• Pre and post hospitalisation expenses covered
• Out patient consultation expenses are covered
• Convalescence benefit is provided

Complete Healthcare Insurance, the perfect Universal Sompo woman health insurance plan is a must buy for women who want to get themselves as well as their families secured against medical expenses in case of an unexpected medical emergency situation.

No, you cannot! If you want to make any change to the sum insured amount of your Universal Sompo woman health insurance policy, it would be best to do so at the time of policy renewal and not during the policy period.

Universal Sompo woman health insurance plan has multiple benefits to offer. Some of the prime advantages of the plan include cover for maternity and newborn baby benefits, cashless facility at 4000+ network hospitals, lifelong renewability of policy, inhouse claim settlement, comprehensive cover, sum insured range up to Rs. 10 Lakh, availability of various add-on benefits to enhance the cover, reasonable premium rate and many more.

Complete Healthcare Policy, the ultimate Universal Sompo woman health insurance policy provides coverage for maternity benefits, newborn baby benefits, inpatient hospitalization, pre & post hospitalization, domiciliary hospitalization, sum insured restore, daily cash for accompanying an insured child, daycare procedure, cumulative bonus, vaccination in case of an animal bite, emergency ambulance expenses, dental treatment in case of accidents, AYUSH benefit, and various others.

Yes! A policyholder of Universal Sompo woman health insurance policy can avail tax benefits under Section 80D of the Income Tax Act, 1961 for the policy premium paid.