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Individual Health Insurance Plans
Universal Sompo Health Insurance
With headquarters in Mumbai, Universal Sompo is the first private-public collaboration in the general insurance market. The company has been formed as a joint venture between Allahabad Bank, Indian Overseas Bank, Karnataka Bank Ltd., Dabur Investment Corp., and Sompo Japan Nipponkoa Insurance Inc. The insurer offers a variety of general insurance products, such as travel insurance, health insurance, automobile insurance, and house insurance, to meet the needs of various segments of the population in India.
When we talk about Universal Sompo’s one of the most promising products, it is none other than its health insurance. The company sells individual and family floater health insurance policies that are both affordable and simple to understand. These plans are created in such a way that they provide the customer with a variety of benefits, including both basic and advanced coverage features. Overall, Universal Sompo Health Insurance plans to guard you against breaking your bank in the event of a medical emergency.
Key Facts Of The Company
| Incurred Claim Ratio | 73.41% (2019-2020) |
| Equity Share Capital | 368.18 (As Of March 31, 2020) |
| Solvency Ratio | 2.28 (March 2020) |
| Number Of Policies Sold | 244,971 (2019-2020) |
| Network Hospitals | 4000+ |
| Claims Settled | More Than 90% |
| Number Of Branches In India | 86 |
| Recent Awards & Recognition |
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| Types Of Health Insurance Plans |
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What Are The Types Of Plans Offered By Universal Sompo Health Insurance?
In addition to value-added services, the Complete Healthcare Insurance includes complete coverage to cover medical expenses incurred during hospitalization. The policy is available in three different versions: Basic, Essential, and Privilege.
Key Features:
- Hospitalization Expenses: In case of hospitalization of the insured person, medical expenses for the same are covered under the plan.
- Daycare Procedures: The daycare procedures are also covered under the policy.
- Domiciliary Expenses: When medical treatment is required for a period of more than three days for illnesses that would ordinarily be treated in a hospital or nursing home, but the insured individual is confined at home, domiciliary expenses are covered under the policy.
Eligibility:
| Minimum Entry Age | 91 Days, 1 Day, & 18 Years |
| Maximum Entry Age | 70 Years |
| Policy Tenure | 1 To 3 Years |
| Sum Insured Options |
|
2. Super Healthcare Insurance
The Universal Sompo Super Healthcare Insurance Policy is a health insurance policy that supplements your current health insurance plan and protects you from medical bills in case of medical exigencies. The policy is available in two variants, top-up and super-top-up, each with its own set of features.
Key Features:
- No Medical Check-Up Up To 65 Years: Under the Universal Sompo Super Healthcare Insurance policy, there is no need to undergo any kind of medical check-up up to the age of 65 years.
- AYUSH Treatment: The treatment done under the Ayurveda, Yoga, Unani, Siddha, and Homeopathy systems of medicine are covered under the policy.
- Weight Loss Surgery: One of the unique features of Super Healthcare Insurance is its coverage for weight loss surgery. If you wish to lose weight by undergoing surgical treatment, the expenses for the same are covered under the policy.
Eligibility:
| Entry Age | Up To 80 Years |
| Sum Insured | Up To Rs. 1 Crore |
| Cumulative Bonus | 20% On Every Claim Free Year |
| Policy Term | 1/2/3 Years |
| Restoration Benefit | 100% Of Sum Insured |
3. Universal Sompo Arogya Sanjeevani Policy
The Universal Sompo Arogya Sanjeevani Policy is a low-cost policy that protects you and your family from basic medical costs incurred as a result of an illness, disease, sickness, or accident.
Key Features:
- Hospitalization Expenses: The Arogya Sanjeevani Insurance will reimburse the insured person’s medical expenditures for hospitalization throughout the policy year, up to the sum insured and cumulative bonus mentioned in the policy schedule.
- AYUSH Treatment: During each policy year, the plan will reimburse medical expenses spent for inpatient care treatment at any AYUSH Hospital under the Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy systems of medicine up to the amount of sum covered as specified in the policy schedule.
- Pre- & Post-Hospitalization Expenses: The plan will also cover the pre and post-hospitalization expenses of the policyholder.
Eligibility:
| Minimum Sum Insured | Rs. 50,000 |
| Maximum Sum Insured | Rs. 10 Lakhs |
| Entry Age | 18 To 65 Years |
| Pre-Hospitalization Expenses | 30 Days |
| Post-Hospitalization Expenses | 60 Days |
| Cumulative Bonus | 5% For Every Claim-Free Year |
| Renewability | Lifelong |
4. Universal Sompo Corona Rakshak Policy
In light of the Covid-19 crisis, Universal Sompo’s ‘Corona Rakshak Policy’ is an individual benefit policy aimed at addressing individual consumers’ financial health difficulties. If the insured person is diagnosed with COVID and is hospitalized for more than 72 hours within the policy period, the plan will pay the agreed sum insured toward the coverage specified in the policy schedule.
Key Features:
- COVID Coverage: On a positive diagnosis of COVID requiring hospitalization for a minimum of 72 hours, a lump sum payment equivalent to 100 percent of the sum insured will be paid under the Corona Rakshak Policy of Universal Sompo.
- Waiting Period: A waiting period of 15 days from the commencement of the policy is provided to the policyholder.
- Category Of Cover: The cover is available to the insured person on a benefits basis only.
Eligibility:
| Entry Age | 18 To 65 Years |
| Sum Insured Options | Rs. 50,000 To Rs. 2.5 Lakhs, |
| Policy Period | 3.5/6.5/9.5 Months |
| Waiting Period | 15 Days |
5. Universal Sompo Corona Kavach Policy
The Corona Kavach Policy from Universal Sompo provides coverage for COVID-19 treatment-related expenses. If you are hospitalized with COVID-19 after testing positive at a government-approved diagnostic center, you can file a claim under Universal Sompo.
Key Features:
- Hospitalization Expenses: Medical expenses incurred during Covid’s hospitalization for at least 24 hours, including pre-hospitalization expenses for 15 days and post-hospitalization expenses for 30 days, are covered under the policy.
- Homecare Treatment Expenses: The coverage covers the costs of treatment incurred by receiving treatment at home for a maximum of 14 days per admission, as per the policy terms and conditions.
- AYUSH Treatment: Medical expenses occurring out of COVID treatment taken under AYUSH systems of medicine are also covered.
Eligibility:
| Maximum Entry Age | 65 |
| Minimum Entry Age | 18 |
| Sum Insured Options | Rs. 50,000 To Rs. 5 Lakhs |
| Policy Period | 3.5/6.5/9.5 Months |
| Ambulance Charges | Up To Rs. 2000 Per Hospitalization |
6. Saral Suraksha Bima
On accidental death, disability, permanent total disability owing to an accident, and diagnosis of certain critical illnesses, Saral Suraksha Bima pays the one-time lump sum benefit of the chosen sum insured to the policyholder.
Key Features:
- Organ Transplant Expenses: The plan covers the organ transplantation expenses of the policyholder.
- Basic Coverage: The plan provides basic coverage of accidental death, permanent total disablement, and permanent partial disablement.
- Education Grant: The plan will pay a one-time educational grant of 10% of the base sum covered following an admissible claim of the insured person under the policy for death or permanent total disability of the insured person.
Eligibility:
| Entry Age | 18 To 65 Years |
| Minimum Sum Insured | Rs. 10,000 |
| Maximum Sum Insured | Rs. 1 Lakh |
| Cumulative Bonus | 5% Increase For Each Claim Free Year |
7. Group Mashak Rakshak Policy
If an insured individual is diagnosed with any vector-borne disease covered by this policy during the policy period and is hospitalized for a minimum of 72 hours, the Group Mashak Rakshak policy will pay the agreed sum insured as specified in the policy schedule.
Key Features:
- Hospitalization Benefit: On a positive diagnosis of any of the listed vector-borne diseases, a lump sum reward of up to 100% of the total insured is payable.
- Diseases Covered: The plan provides coverage to the following vector-borne diseases:
- Dengue fever
- Malaria
- Filaria (Lymphatic Filariasis)
- Kala-azar
- Chikungunya
- Japanese Encephalitis
- Zika Virus
- Diagnosis Cover: On the first positive diagnosis of any covered vector-borne disease within the coverage period, 2% of the sum insured will be paid.
Eligibility:
| Hospitalization Benefit | 100% Of SI |
| Diagnosis Cover | 2% Of SI |
| Waiting Period | 15 Days |
| Cooling Off Period | 30 Days |
8. Universal Sompo Group Health Insurance Policy
This is a health insurance plan that pays for hospitalization and domiciliary expenses for employees of social service organizations, manufacturing organizations, or members of institutions, associations, or clubs.
Key Features:
- Pre- & Post-Hospitalization Expenses: The plan provides coverage for both pre and post-hospitalization expenses of the insured person.
- AYUSH Treatment: The treatment taken under Ayurveda, Yoga, Unani, Siddha, and Homeopathy systems of medicines will be covered under the policy.
- Day Care Procedures: The policy also provides coverage for daycare procedures.
Eligibility:
| Policy Period | 12 Months |
| Road Ambulance Cover | Up To 2% Of Sum Insured |
| Restoration Benefit | 100% Of SI |
9. Individual Accident Policy
A family’s financial woes can be exacerbated if a breadwinner dies or is injured in an accident. The Individual Accident Policy from Universal Sompo protects you and your family from the financial effects of unanticipated accidents.
Key Features:
- 3 Types Of Coverage: The policy offers three different types of coverage options to the policyholder: Basic Cover, Wider Cover, and Comprehensive Cover.
- Compensation Benefit: In case of temporary disablement, a compensation benefit is provided to the policyholder.
- Add-On Covers: The plan also provides various add-on covers to the policyholder, such as ambulance charges, education funds, etc.
Eligibility:
| Family Discount |
|
| Loyalty Discount |
|
| Ambulance Charges | Up To Rs. 1000 Per Hospitalization |
| Transportation Cost For Carrying Dead Body To Home | 1% Of Capital Sum Insured |
| Cost Of Clothing Damaged In The Accident | Up To Rs. 1000 |
10. Janta Personal Accident Insurance
The Janta Personal Accident Policy from Universal Sompo protects you and your family from the financial consequences of unforeseeable accidents.
Key Features:
- Death: The plan provides coverage to the death of the policyholder.
- Permanent Total Disablement: The policy provides coverage to the permanent total disablement of the insured person.
- Compensation Benefits: The policy also provides compensation benefits in case of death or permanent total disablement of the insured person.
Eligibility:
| Entry Age | 5 To 65 Years |
| Death Coverage | 100% Of Capital Sum Insured |
| Permanent Total Disability Coverage | 100% Of Capital Sum Insured |
| Group Discount |
|
| On Duty Cover Discount | 25% On Basic Premium |
| Off Duty Cover Discount | 50% On Basic Premium |
11. Group Personal Accident Policy
Universal Sompo Group Personal Accident insurance protects a group of employees and members from the repercussions of unanticipated incidents. If necessary, one can extend their employees’ coverage to include dependent children and parents.
Key Features:
- Death/Disappearance: The plan provides coverage to the death or disappearance of the insured person due to an accident.
- Permanent Total Disablement: The plan also provides coverage to the permanent total disablement of the insured person due to an accident.
- Add-On Covers: The policy provides various add-on covers, such as marriage expenses, funeral expenses, medical expense cover, etc.
Eligibility:
| What’s Covered Under The Policy? | |
| Death/Disappearance | Covered |
| Permanent Total Disability | Covered |
| Permanent Partial Disability | Covered |
| Temporary Total Disability | Covered |
12. Aapat Suraksha Bima Policy
The Universal Sompo’s Apat Suraksha Bima Policy provides coverage to assist the policyholder or beneficiary in the event of an unexpected medical event, such as the diagnosis of a serious critical illness such as cancer, coronary heart disease, renal failure, major organ transplant, and so on.
Key Features:
- Death Coverage: In case of the death of the insured person due to an accident, the policy pays a one-time payment of the amount equivalent to the capital sum insured.
- Diagnosis Cover: If the insured person is detected/diagnosed for the first time during the policy period as suffering from a critical illness or surgical procedure described under the policy, the sum insured will become payable.
- Critical Illnesses Covered: The plan provides coverage for the following critical illnesses:
- Paralytic Stroke
- Cancer
- Renal Failure
- Coronary Artery Disease
- Major Organ Transplant
Eligibility:
| Minimum Entry Age | 18 Years |
| Maximum Entry Age | 65 Years |
| Death | 100% Of Capital Sum Insured |
| Permanent Total & Absolute Disablement | 100% Of Capital Sum Insured |
13. Loan Secure Insurance Policy
The Loan Secure Insurance Policy from Universal Sompo is a one-of-a-kind policy that allows you to transfer the burden of your loan in the event of an unanticipated incident. This policy is specifically tailored to the customers of the bank and financial institutions.
Key Features:
- Medical Illnesses & Surgical Procedures: The plan provides coverage for various medical illnesses and surgical procedures.
- Personal Accident: The plan provides personal accident coverage as an optional cover to the policyholder.
- Loss Of Job: The policy also provides coverage to the loss of a job only for the salaried insured.
Eligibility:
| Entry Age | 20 To 65 Years |
| Sum Insured | Rs. 50,000 To Rs. 3 Crores |
| Policy Tenure | 1/2/3 Years |
14. Hospital Cash Insurance Policy
Under the Universal Sompo’s Hospital Cash Insurance Policy, a daily allowance benefit is paid to the policyholder during hospitalization.
Key Features:
- Hospital Confinement Benefit: A daily allowance, as specified in the schedule, for each continuous and completed 24-hour period of hospitalization is provided to the policyholder.
- Convalescence Benefit: If a patient is admitted to the hospital for more than 21 days in a row, the benefit will be paid according to the schedule. For each insured incident, this benefit is paid once a year.
- Intensive Care Benefit: If you or your family member is admitted to an ICU other than a regular hospitalization during the course of their treatment, the amount you choose will be quadrupled.
Eligibility:
| Entry Age | 18 To 70 Years |
| Convalescence Benefit | Rs. 10,000 |
| Long-Term Policy Discount | For 2 Years: 10% Less Premium For 3 Years: 15% Less Premium |
| Family Discount | 5% |
15. Senior Citizen Health Insurance Policy
The Senior Citizen Health Insurance plan from Universal Sompo covers hospitalization and medical expenditures for those over the age of 60. One has the option of covering themselves as well as their spouses under the plan.
Key Features:
- In-Patient Treatment: The policy provides coverage of the in-patient treatment of the insured person.
- Day Care Procedures: The treatment that does not require hospitalization of more than 24 hours are also covered under the policy.
- Pre- & Post-Hospitalization Expenses: The policy covers both pre and post-hospitalization expenses occurring out of the treatment of the insured person.
Eligibility:
| Entry Age | Above 60 Years |
| Room, Boarding, & Nursing Expenses | 1% Of Sum Insured |
| ICU Expenses | 2% Of Sum Insured |
| Pre-Hospitalization Expenses | 30 Days |
| Post-Hospitalization Expenses | 60 Days |
| Daily Allowance | 0.1% Of Sum Insured |
| Ambulance Charges | 1% Of Sum Insured |
16. Pravasi Bhartiya Bima Yojana
This is a health insurance plan that covers the medical expenses of people who are emigrating and have an “Emigration Check Required” stamp on their passports.
Key Features:
- Hospitalization Expenses: Medical expenses occurring out of hospitalization are covered under the policy.
- Day Care Procedures: The policy covers daycare procedures and surgeries that require less than 24 hours.
- Death OR Permanent Disablement: The policy provides coverage to the death or permanent disablement of the insured person.
Eligibility:
| Entry Age | 18 To 65 Years |
| Room, Boarding, & Nursing Expenses | Covered |
| Day Care Procedures | Covered |
| Maternity Expenses | Covered |
17. Surva Vidyarthi Bima Yojana
Surva Vidhyarthi Bima Yojana by Universal Sompo is a health insurance plan that educational institutions or schools can use for the benefit of students. The insured person can choose from three variants of the policy as per their needs: Section A, Section B, and Section C.
Key Features:
| Section A | Section B | Section C |
Benefits
| Medical Cover
| Fire Cover
|
Extensions
| Medical Expenses Payable
| Extensions EXTENSION 1
EXTENSION 2
|
Eligibility:
| Entry Age | 3 To 65 Years |
| Death Benefit | 100% Of Sum Insured |
| Permanent Total Disablement | 100% Of Sum Insured |
| Ambulance Charges | Not More Than 2% Of Accidental Sum Insured |
| Compassionate Visit | Not More Than 2% Of Accidental Sum Insured |
| Group Discount |
|
| Loyalty Discount | 5% |
| Direct Sourcing Discount | 10% |
| Multiple Benefit Discount | 10% |
18. Swarna Gramin Bima Yojana – Individual & Group Plan
The Gramin can use the Universal Sompo Swarna Gramin Bima Yojana to cover himself and his family, or an organization like NGOs can use it. The plan is available on both an individual and group basis.
Key Features:
- 3 Sections: The policy comprises of the following three sections:
- Section A: Personal Accident
- Section B: Critical Illness
- Section C: Hospital Cash
- Pre-Existing Disease Cover: The plan provides coverage to pre-existing diseases of the policyholder.
- Family Discount: In case the insured person covers his or her family members under the plan, they will be provided with a family discount.
Eligibility:
| Entry Age | 18 To 65 Years |
| No Medical Test | Up To 45 Years |
| Death of the insured or his/ her family members upon accident | 100% Of SI |
Permanent Total Disablement of the insured or his/her family members resulting from accident | 125% Of SI |
| Hospital Cash | Option1: Rs. 250 Per Day Option 2: Rs. 500 Per Day Option 3: Rs. 1000 Per Day |
19. Critical Illness Insurance Policy
The Universal Sompo’s Critical Illness Insurance plan gives you the coverage you need to fight against critical illness without having to worry about your money.
Key Features:
- Portability Option: If you have critical illness insurance with another company and want to switch to Universal Sompo’s Critical Illness Insurance after your policy expires, you can do so.
- Free Look-Up Period: You will have at least 15 days from the date of receipt of the policy to evaluate the terms and conditions and return them if they are not acceptable to you.
- Covers 11 Critical Illnesses: The plan provides coverage to the following 11 critical illnesses:
- Cancer of specified severity
- First heart attack of specified severity
- Open chest CABG
- Open heart replacement
- Coma of specified severity
- Kidney failure requiring regular dialysis
- Stroke resulting in permanent symptoms
- Major organ/bone marrow transplant
- Motor neuron disease with permanent symptoms
- Permanent paralysis of limbs
- Multiple sclerosis with persisting symptoms
Eligibility:
| Entry Age | 18 To 65 Years |
| Long-Term Policy Benefit | For 2 Years: 10% Discount In Premium For 3 Years: 15% Discount In Premium |
| Sum Insured | Rs. 2.5 Lakhs To 20 Lakhs |
| Free Look-Up Period | 15 Days |
Why Should Health Insurance Plans From Universal Sompo Deserve Your Attention?
- Higher Incurred Claim Ratio
The Incurred Claim Ratio (ICR) is the ratio of an insurer’s total value of claims resolved to the total value of premiums received during a given period of time. Any policyholder with an incurred claims ratio of less than 50% is losing money.
When we talk about Universal Sompo, the company has an excellent Incurred Claim Ratio of 73.41, which itself indicates the profit of the company.
- Want A Strong Network Of Hospitals? – Universal Sompo Has 4000+ Network Hospitals
Insurance companies with a wider network of hospitals are always preferred since it makes it easier for policyholders to find a healthcare facility that accepts cash. Over 4000 hospitals have partnered with Universal Sompo Health Insurance to provide a cashless service that includes pre- and post-hospitalization charges, complimentary health check-ups, and much more.
One of the most significant benefits of a well-connected hospital network is that there is no need to stress about arranging financial arrangements at the last minute. The hospital costs are paid immediately by the health insurer, which relieves the insured of the financial burden.
- Excellent Claim Support Ratio
The Claim Support Ratio is a valuable metric that shows how many claims the company has settled in the previous three months. It’s a vital thing to consider when determining how quickly the firm will satisfy your claims in an emergency.
In the instance of Universal Sompo, the company has settled more than 90% of claims, demonstrating the company’s history of claims.
- Want To Have A Wide Range Of Sum Insured Options?
Universal Sompo Health Insurance plans offer a variety of sum insured options. These range in price from Rs. 1 lakh to Rs. 1 crore, allowing you to get the most out of your policy’s coverage.
- Healthy Solvency Ratio
A solvency ratio is a metric used to assess a company’s ability to meet its financial obligations. According to the IRDAI, every insurer must maintain a health solvency ratio of 1.5.
When it comes to Universal Sompo, the company has a healthy insurance rating of 2.28 as of March 2020, which meets the IRDAI criterion.
- How About 24/7 Customer Service?
Universal Sompo Health Insurance provides customer service 24 hours a day, 7 days a week. To get insurance-related help, call the insurer’s hotline number for customer service, health helpline, and claims helpline. You can also use the insurer’s live chat service to get answers to your questions.
- You Get The Portability Benefit
Universal Sompo Health Insurance policies come with the benefit of portability. This implies that if you are unhappy with your current insurer or health insurance policy, you can switch to Universal Sompo Health Insurance policies at the time of renewal. You wouldn’t have to give up any of the benefits you’d accrued under the old insurance plan.
- You Get Plans That Are Renewable For Lifetime!
All Universal Sompo Health Insurance plans come with a lifetime renewal benefit. This implies that as long as you pay your health insurance premiums on time, you can continue to receive benefits under your health insurance plan.
How Can You Calculate Premium For Universal Sompo Health Insurance Plans?
- Visit the official website of the Universal Sompo General Insurance company.
- Click on “Products” and then click on the “Health” tab.
- Select the health insurance for which you want to calculate the premium, and then click on “Buy Now”.
- Enter the member information, and then click on “Continue”.
- The premium details will be displayed on the screen.
Eligibility:
| Name | Age | Gender | Sum Insured | Premium |
| Vansh | 50 | Male | Rs. 5,00,000 | Rs. 18,127 |
| Ritika | 28 | Female | Rs. 4,00,000 | Rs. 7125 |
| Hitesh | 40 | Male | Rs. 6,00,000 | Rs. 12,919 |
| Avantika | 30 | Female | Rs. 7,00,000 | Rs. 10856 |
How To Purchase Universal Sompo Health Insurance Plans?
- Visit the official website of the Universal Sompo General Insurance company.
- Click on “Products” and then click on the “Health” tab.
- Select the health insurance you wish to buy and then click on “Buy Now”.
- Enter the member information, and then click on “Continue”.
- Enter your medical details, select your discounts, choose your add-on covers, and then click on “Continue”.
- Premium details will be displayed to you at the left corner. So, pay for the premium through the online method.
What’s The Claim Process For Universal Sompo Health Insurance Plans?
CASHLESS CLAIM
- Check Into A Hospital: Show your Health Serve Card and a valid photo ID when you go to a network hospital of your choice. Call the toll-free number to notify Universal Sompo General Insurance Company. It’s important to remember that you must notify your insurance at least 72 hours ahead of time if your hospitalization is planned, and within 48 hours if it’s an emergency.
- Fill Out A Request For A Cashless Claim Form: Fill out the cashless claim form and send it to Universal Sompo General Insurance.
- Verification Of Documents: The organization will verify your paperwork before assisting you with the claim process.
- Settling The Claim: The medical bills will be paid immediately by the insurer at the network hospital. These will not include amounts for non-allowable expenses like phone calls, food, and so on. You’ll have to pay for them out of your own pocket.
REIMBURSEMENT CLAIM
- Check Into A Hospital & Seek Treatment: Get admitted to any non-network hospital of your choice and receive the treatment you require. It’s important to remember that you must notify your insurance at least 72 hours ahead of time if your hospitalization is planned, and within 48 hours if it’s an emergency.
- Pay The Bill: Pay the hospital for the medical bills.
- Gather The Required Documents: Gather all original bills and other documentation and mail them to the address listed on your insurance schedule.
- Settling The Claim: Once your documents are verified, the company will reimburse the amount to the registered bank account of the policyholder.
Documents Required
- Duly filled claim form along with doctor’s certificate
- Test reports (x-ray, CT scan, etc.)
- Advanced and final receipts
- Medical bills
- Prescriptions
- Go to Universal Sompo General Insurance Company’s official website and go to the ‘Health Insurance Renewal’ page.
- Enter your current policy number as well as your date of birth.
- Select the ‘Renew Now’ option from the drop-down menu.
- Choose your renewal quote and pay for it using a secure payment mechanism online.
Frequently Asked Questions
The Saral Suraksha Bima policy of Universal Sompo covers the following critical illnesses:
- Stroke resulting in permanent symptoms
- Cancer of specified severity
- Kidney Failure requiring regular dialysis
- Open Chest CABG
- Major Organ /Bone Marrow Transplant
Universal Sompo’s Critical Illness plan doesn’t cover the following things:
- Pre-existing disorders until the waiting time is completed with continuous coverage for 48 months
- Convalescence, general debility, rest cure, lethargy, etc.
- Aesthetic or plastic surgery
- The physician’s experimental treatments
- Pre-Existing Disease Waiting Period Waiver
- Specific Waiting Period Waiver
- Initial Waiting Period for Hospitalization Waiver
- Obesity/ Weight Control Expenses Extension
- Change-of-Gender Treatments Expenses Extension
- Cosmetic or Plastic Surgery Expenses Extension
- Hazardous or Adventure Sports Expenses Extension
- Sterility and Infertility Treatment Expenses Extension
- Maternity Expenses Extension with Baby-Day-One Cover
- OPD Expenses Extension
- Maternity OPD Expenses Extension
- Global Coverage
- Non-medical Expenses Cover
It is not possible to change the sum insured during the policy term of your Universal Sompo family health insurance because the company does not allow it. It’s better to wait until your policy is up for renewal to make the modifications you want.
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