Universal Sompo Health Insurance for Individual

Individual Health Insurance Plan by Universal Sompo is an individual based health policy. The plan is a perfect solution to solve your medical requirements including hospitalisation expenses as well as domiciliary expenses. Besides providing policyholders with hospitalisation benefits, the plan covers domiciliary expenses in case of an accidental injury or illness during the policy term. Note that the plan can be extended to cover some specific critical illnesses too.

Key Features

• Entry age: Less than 55 years
• Treatments only in hospitals or nursing homes in India covered
• Maximum coverage offered under the plan is of Rs. 5 Lakh
• Expenses related to domiciliary hospitalisation covered up to a certain limit
• The policy can be extended to cover critical illnesses
• Cashless hospitalisation in the network hospitals across India
• Premium paid under this plan are not included in the taxable income
• Free look-in period of 15 days

Scope of Coverage

• Room, nursing and boarding expenses, surgeon or specialist’s fee, expenses for blood and oxygen, etc.
• Domiciliary hospitalisation expenses
• In-patient hospitalisation expenses
• Add-on cover for critical illnesses
• 30 days pre-hospitalisation cover
• 60 days post-hospitalisation cover
• Reasonable and customary charges

Eligibility

The entry age under the policy is less than 55 years.

Exclusions

• Pre-existing diseases are excluded from the plan coverage
• Pregnancy and childbirth are not covered
• Expenses related to voluntary termination of pregnancy
• Cost of spectacles, hearing aid and contact lens
• Use of intoxicating substances such as drugs, alcohol, tobacco chewing, smoking, etc.

If you have any doubt or query about the product, you must read the policy wording carefully, or get in touch with the customer care executives at InsuranceDekho on 1800 1205 698. They would help you find the best health insurance plan for yourself and your near and dear ones at the best price.