Universal Sompo Complete Healthcare Insurance

Universal Sompo Complete Healthcare Insurance is a comprehensive health insurance plan that takes care of your medical bills during the time of hospitalization. The policy enables the policyholder to add up to 5 family members and can increase the number up to 20. The Universal Sompo Complete Health Insurance Brochure can be downloaded from the link given below on this page and you can read all the unique features the policy provides.

With a healthy and reliable claims settlement ratio of 95.77%, Universal Sompo emphasizes transparency and exceptional customer service.

Universal Sompo Complete Healthcare Insurance Specifications

Adult Entry Age	Minimum:18 Years Maximum: 75 Years
Child Entry Age	Minimum: 91 Days Maximum: 25 Years
Sum Insured (in Rs.)	Minimum:1 Lakhs Maximum: 10 Lakhs
Plan Type	Individual /Family Floater
Policy Period	1 Year, 2 Year, 3 Year
Plan Variant	Basic, Essential, Privilege
Premium payment mode	Annually
Maximum Number Of Members Allowed	6 Members that can be increased to 20
Initial Waiting Period*	30 days 36 Months for Pre-existing Diseases. 24 Months for Maternity and Chilborn Benefits 90 Days for Critical Illness

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

To know more about the plan, download the Universal Sompo Complete Healthcare Insurance Brochure:

Features of Complete Healthcare Insurance Universal Sompo

The Universal Sompo Health Care Plan offers a multitude of advantages that ensure policyholders are well-protected against various medical expenses. Let us have a look at the features of the plan:

In-patient Hospitalization
The policy covers expenses for hospitalization due to disease, illness, or injury during the policy period that requires an insured person's admission to a hospital as an inpatient.
Medical Expenses Coverage
Complete Healthcare Insurance Universal Sompo covers medical expenses directly related to hospitalization, including room rent, boarding expenses, nursing services and many more.
Day Care Procedures
The plan also covers medical expenses for any daycare procedures where the insured person undergoes a procedure or surgery as an inpatient for less than 24 hours in a hospital or standalone daycare centre.
Pre-Hospitalization Coverage
The medical expenses incurred will be paid within 30 days of hospitalization, the person only has to submit all medical documents containing details about the illness and the proposed date and place of hospitalization at least 5 days before the hospitalization.
Post-Hospitalization Coverage
The medical expenses incurred will be reimbursed within 60 days of hospitalization, the person only has to submit all documents at least 5 days after the hospitalization. The documents are
- Comprehensive medical documents with detailed information about the illness.
- Proposed hospitalization date and location.
Restore Benefit
If the base Sum Insured and No Claim Bonus (if any) are exhausted due to claims made and paid during the policy year, a Restore Sum Insured equal to 100% of the base sum insured will be automatically available for that particular policy year.
Cumulative Bonus
For every claim-free year, a Cumulative Bonus of 10% of the Sum Insured is applicable and will accumulate up to 50% of the Sum Insured for up to 10 lacs of Base SI. The maximum cumulative bonus should not exceed 100% of the Inpatient Sum Insured.
Health Check-up
- The policy covers the reimbursement of the cost of a preventive health check-up for the insured person who was covered during the previous policy year.
- The coverage limits for health check-ups vary based on the Sum Insured chosen.
- No health check-ups up to the age of 55.
Table data for the Health Check-up coverage of Complete Healthcare Insurance Universal Sompo:

Individual health check-up coupon limit 1000
Family Floater Two health check-up coupon limit 2200
Premium Discount
There are three types of discounts or rebates available under the plan:
- Family Discount - A premium discount is permitted if family members are covered under the plan. The discount is as follows and is determined by the number of covered members:
  
  Members Discount
  2-3 Members 5%
  4-5 Members 7%
  More than 5 Members 10%
- Long-term policy discount:
- The premium rate may be reduced by between 5% and 7.5% if the insurance is held for two or three years.
- Online Discount: You can get a discount of rs 110 on buying the policy online.

Benefits of Universal Sompo Complete Healthcare Insurance

Universal Sompo Health Care Plan offers a variety of benefits, the expenses of which are determined by the plan variant chosen. The benefits offered by each plan option are listed in the table:

In-patient & Out-patient coverage

Room Rent

Covered up to SI

ICU Charges

Covered up to SI

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Covered up to SI

Daycare Treatment

141 Treatment Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Applicable

Automatic Restoration

Unlimited up to 100%

Daily Hospital Cash

Available

Organ Donor

Covered up to SI

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered up to SI

IVF Treatment

Not Covered

Modern Treatment

Covered up to SI

Emergency Coverage

Ambulance

Upto Rs.1000

Air Ambulance

Not Covered

Compassionate Travel

Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Covered

Limitations

Co-payment

5% discount and 10% co-pay

Sub-limits

5%, 7.5%

Add-On Services Provided by The Universal Sompo Health Care Plan

Dial-a-Doctor
Experience the convenience of seeking medical advice from a doctor through telephonic or online consultations.
Health Educational Library for People (HELP)
Gain exclusive access to Health Education Library for People (HELP) of the company, they provide a help desk to ask health experts questions, watch health talks, access online health guides and videos, and engage in live chat sessions.
Second Medical Opinion
If the insured person requires further reassurance or alternative perspectives on the treatment, this plan offers the option to obtain a second opinion on your health condition.
Specialist Consultation with Follow-Up Sessions
Avail an e-consultation with a specialist, along with two follow-up sessions.
Wellness Package
Get a discount on health and wellness products and services. Take advantage of cost-saving opportunities on various wellness offerings, including fitness products, wellness consultations, spa services, and more.

Complete Healthcare Insurance Universal Sompo Plan Cancellation

On the basis of fraud, misrepresentation, or non-disclosure, the company can cancel the coverage. The paid premiums in this instance are not reimbursed. Following are the premium refund percentages for policies that are canceled:

Coverage period	Within 1 month	Within 1-3 months	Within 3-6 months	Within 6-12 months	In the 2nd year	In the 3rd year
1 year	75%	50%	25%	0%	NA	NA
2 year	75%	65%	50%	25%	0%	NA
3 year	75%	70%	60%	45%	11%	0%

Explore other Universal Sompo Health Plans

Universal Sompo Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive

Universal Sompo Complete Healthcare Insurance

A comprehensive health plan that comes with benefits and value-added services like Dial-a-Doctor, Health Educational Library for People, & many more.

Unique Features

Dental Treatment covered
Vaccination cover
Daily Cash for an Insured Child

Standard/Affordable

Universal Sompo Aarogya Sanjeevani Insurance

A standard health plan that offers complete protection in case of hospitalization due to any serious illness or accident.

Unique Features

Treatment of Cataract covered
Dental Treatments covered
Plastic Surgery covered

Standard

Universal Sompo Saral Suraksha Bima

Saral Suraksha plan covers the insured on accidental death, disability, and diagnosis of listed critical illnesses, or permanent total disablement due to an accident.

Unique Features

Cumulative Bonus of up to 50%
Education Grant
All day care treatments

Top-up

Universal Sompo Super Healthcare Insurance

The plan takes care of your medical expenses once your basic cover is exhausted. It boosts the existing coverage by offering an enhanced cover of up to 1 Cr.

Unique Features

No Medical tests up to 65 years
100% restoration of Base SI
Bariatric Surgery Cover

Senior Citizen

Universal Sompo Senior Citizen Health Insurance Policy

This health plan is specially designed for senior citizens who are above 60 years of age and allows them to cover their spouse’s healthcare needs themselves.

Unique Features

Cost of Health Check-up Covered
Daily Allowance up to Rs. 2,500
Optional covers

Loan Repayment

Universal Sompo Loan Secure Insurance Policy

Repay your outstanding loan amount in the event of your diagnosis of listed critical Illnesses or in case of unfortunate accidental death.

Unique Features

4 plan variants to choose from
18 Major Medical Illnesses covered
Optional covers

Personal Accident

Universal Sompo Individual Accident Policy

Universal Sompo's Individual Accident Insurance offers several benefits if the policyholder gets injured or dies in an accident during the policy tenure.

Unique Features

Compensation Benefit
Hospital Confinement Allowance
Funeral charges covered

Critical Illness

Universal Sompo Critical Illness Insurance Policy

The plan provides the necessary coverage to fight against the 11 listed critical illnesses, and pays the sum insured to the family.

Unique Features

Sum insured up to 20 L
Free look-up period
Portability option

Daily Cash

Hospital Cash Insurance Policy

A daily allowance benefit (as hospital cash) is provided to the policyholder at the time of hospitalization.

Unique Features

Convalescence Benefit
Long-Term Policy Discount
No pre-medical tests up to 55 years

Travel Plan

Pravasi Bhartiya Bima Yojana

The policy is designed only for those emigrants who bought this policy before leaving India and have their passports under “Emigration Check Required”.

Unique Features

Transportation and Airfare Charge
Maternity expenses
Repatriation Expenses

Student Oriented

Universal Sompo Surva Vidyarthi Bima Yojana

The plan is taken by an Educational Institution/School for the benefit of the students. The insured can opt for any Section/Benefit and Extension as per their needs .

Unique Features

Coverage for the Death of the Parent
Reimbursement of Examination Fees
Loss of Personal Belongings Cover

Rural Insurance

Universal Sompo Swarna Gramin Bima Yojana (Individual)

Universal Sompo Swarna Gramin Bima Yojana can be taken up by the Gramin (Village Dweller) for covering himself and his family.

Unique Features

Coverage against personal accident
Coverage against critical illness
Optional covers available

Critical Illness

Universal Sompo Aapat Suraksha Bima Policy

The policy offers coverage to support the policyholder during sudden and unexpected medical contingencies, i.e., on the diagnosis of major critical illnesses.

Unique Features

Accidental Death Cover
Coverage against 5 critical illnesses
100% payout in accidental death

Micro Insurance

Universal Sompo Sampoorna Suraksha Bima

The plan is designed to meet the insurance needs of sections that are eligible for credit from microfinance institutions such as self-help groups, NGOs, etc.

Unique Features

Fire & Allied Perils (contents) cover
Burglary and Robbery cover
Personal accident and health cover

Group Vector Insurance

Universal Sompo Group Mashak Rakshak Policy

The policy offers coverage for vector-borne diseases such as Dengue, Malaria etc.

Unique Features

2% of the SI on a positive diagnosis
Lump sum benefit
Coverage for hospitalization

Group Comprehensive

Universal Sompo Group Health Insurance Policy

The plan is designed for the employees working in the trading & manufacturing sectors, social sectors, or members of any society or club.

Unique Features

Domiciliary Hospitalization covered
Optional Covers
AYUSH Treatment covered

Group Personal Accident

Universal Sompo Group Personal Accident

The plan offers protection against the consequences of unforeseeable accidents to a group of employees/members.

Unique Features

Restricted Contingency Cover
Adventure Sports Inclusion Cover
Carriage of Mortal Remains

Group Rural Insurance

Universal Sompo Swarna Gramin Bima Yojana (Group)

Universal Sompo Swarna Gramin Bima Group Yojana can be taken up by an organization such as NGOs, Financial Institutions for covering its rural clientele.

Unique Features

Coverage against personal accident
Coverage against critical illness
Optional covers available

Corona Rakshak Policy

Corona Rakshak Policy addresses the financial expenses that occur due to the hospitalization of COVID-19.

Unique Features

Affordable Premium
Flexible Sum Insured
Annual Health Check-Up

Corona Kavach Policy

Corona Kavach policy offers coverage against the expenses that arise at the time of COVID-19 treatment.

Unique Features

Emergency Ambulance
Post-Hospitalization Expenses
AYUSH Healthcare

Universal Sompo Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Universal Sompo Network Hospital

Universal Sompo Complete Healthcare: FAQ's

1. What is the entry age for this insurance plan?

The minimum entry age for adults is 18 years, and the maximum entry age is 75 years. For dependent children, the minimum entry age is 91 days, and the maximum entry age is 25 years.

2. What is the minimum and maximum sum insured under this plan?

The minimum sum insured is 1 lakh rupees, and the maximum sum insured is 50 lakh rupees.

3. What is the policy period available for Universal Sompo Complete Healthcare Insurance?

The policy period options available are 1 year, 2 years, and 3 years.

4. Is there a waiting period for pre-existing diseases?

Yes, there is a waiting period of 48 months for pre-existing diseases.

5. What does the policy cover during hospitalization?

The policy covers expenses related to in-patient hospitalization, including room rent, boarding expenses, nursing services, ICU charges, medical practitioner fees, surgeries, medicines, and diagnostic procedures.

6. Does the policy cover pre and post-hospitalization expenses?

Yes, the policy covers pre-hospitalization expenses incurred within 30 days before hospitalization and post-hospitalization expenses incurred within 60 days after discharge from the hospital.

7. Are there any additional benefits offered by the policy?

Yes, the policy offers benefits such as restored sum insured, cumulative bonus, health check-up coverage, domiciliary treatment coverage, ambulance coverage, dental treatment in case of accidents, AYUSH benefit, daily cash for accompanying an insured child, vaccination coverage, and more.

8. Are there any exclusions under the Universal Sompo Complete Healthcare Insurance?

Yes, some exclusions include ongoing diagnostic expenses, obesity/weight control treatments, cosmetic or plastic surgery, hazardous or adventure sports injuries, and treatment for the temporomandibular joint.

9. What are the add-on services provided by Universal Sompo Complete Healthcare Insurance?

The add-on services include Dial-a-Doctor for telephonic or online consultations, Health Educational Library for People (HELP) for access to health experts and educational resources, second medical opinion, specialist consultation with follow-up sessions, and wellness package discounts.

10. What is the grace period of the Universal Sompo Complete Healthcare Insurance Plan?

The grace period of the Universal Sompo Complete Healthcare Insurance Plan is 30 days.

11. Does Universal Sompo Complete Healthcare Insurance provide portability?

Yes, this palm provides a portability option. The person may transfer his current health insurance policy from another firm to this one if he so chooses. Requests for such portability must be made at least 45 days prior to the expiration of the prior policy being migrated.