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Universal Sompo Maternity Health Insurance
Maternity is one of the most celebrated joys for people worldwide, but the rising cost of maternity care can be very challenging for many.
The solution is to get a suitable insurance policy, like Universal Sompo's maternity health policy, which covers all maternity-related expenses, newborn baby care, and other basic healthcare costs such as ambulance services, hospitalisation, and delivery.
If you are looking for a health plan that covers maternity expenses, Universal Sompo offers maternity plans in three variants: Basic, Essential, and Privilege. Before investing in such a policy, it is important to understand all aspects, including eligibility, benefits, inclusions, and exclusions of the maternity health plan.
Eligibility Criteria for Universal Sompo Maternity Health Policy
| Eligibility Criteria | Specifications |
|---|---|
| Entry age | Child: 91 days - 25 years Adult: 18 - 45 years |
| Sum insured | 3 - 10 Lakhs |
| Plan type | Individual/Family floater |
| Policy period | 1/2/3 year/s |
| Renewability | Lifelong (up to specified age for maternity cover eligibility) |
| Waiting period | 2 years* |
*The waiting period for maternity cover may differ from plan to plan. It is suggested to check your maternity waiting period at the time of policy purchase.
What Does Universal Sompo Health Insurance for Maternity Cover?
| Specifications | Coverage Extent |
|---|---|
| Maternity cover | Privilege and Essential plans of Universal Sompo cover normal and C-section deliveries up to the specified limits. |
| Newborn baby cover | Your newborn is covered up to the base sum insured for pre and post-natal care after birth. |
| Vaccination charges | Covers 1st-year vaccination charges for the newborn. |
| Pre-hospitalisation | Covers hospitalisation expenses incurred up to 30 days before getting hospitalised. |
| Post-hospitalisation | Covers hospitalisation care expenses for 60 days after discharge. |
| Cumulative bonus | Receive a premium discount and a multiplied sum insured limit for every claim-free year, as per the policy schedule. |
| Domiciliary hospitalisation | If the mother requires additional home care, the insurer may cover home treatment expenses based on maternity care. |
| Health check-ups | Routine health check-ups can be availed based on the limits and specifications mentioned in your policy documents. |
What Are the Exclusions of Universal Sompo Health Insurance for Maternity?
- Artificial life support or lifestyle assistance
- Intoxicating alcohol or drug abuse treatment
- Self-inflicted injury
- Weight management or obesity treatment
- Eyesight/vision aids, hearing aid support, or anything related
- Sterility or infertility treatment
- Cosmetic surgery unless it was due to an accidental injury
Other exclusions are as specified in your policy documents. Please check your policy's terms and conditions before investing in it.
Summary of Universal Sompo Maternity Health Insurance
Universal Sompo health insurance for maternity covers all medical expenses occurring before or after pregnancy. It also covers related costs for the newborn and the insured mother.
Why lose all your savings on the most special moment of your life, pregnancy, when you can get comprehensive coverage? Get covered with the Essential and Privilege plans to fully enjoy your maternity phase.
Call us at 1800 4200 269 for more information or to get your queries resolved.
