Universal Sompo Arogya Sanjeevani Insurance Policy

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      Universal Sompo Arogya Sanjeevani Insurance Policy

      The Universal Sompo Arogya Sanjeevani Insurance policy is a comprehensive health insurance plan from Universal Sompo General Insurance Co. Ltd. This policy offers flexibility to be taken on an individual or floater basis. This Universal Sompo Arogya Sanjeevani Health Insurance policy covers all major illnesses, daycare treatments, AYUSH procedures and modern treatments. The policy can be availed for a period of 1 year. It comes with multiple features and benefits that make the policy worth buying.

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      Universal Sompo Arogya Sanjeevani Insurance: Key Highlights


      Individual or Family Floater

      Policy Term

      1 year

      Sum Insured

      Rs 1 lakh- Rs 5 lakh

      Cumulative Bonus




      Coverage Offered

      Given below are the in-built policy benefits and coverage that can be availed by insured under the Universal Sompo Arogya Sanjeevani Insurance policy:

      • Hospitalization expenses that include:
        • Room rent, Nursing, Boarding expenses up to 2% of the Sum Insured, or a maximum of Rs 5000 per day
        • ICU/ICCU charges up to 5% of the Sum Insured or a maximum of Rs 10, 000 per day
        • Surgeon, Medical Practitioner, Anesthetist, Consultants fees
        • Expenses towards Blood, Oxygen, Anesthesia, Operation Theatre, Medicines, Drugs and other Diagnostics
        • Expenses for treating cataracts up to 25% of Sum Insured or Rs 40,000, whichever is lower, in a policy year.
      • Dental treatment, if medically necessary
      • Plastic Surgery, if medically necessary
      • All day care treatments that require hospital admission of less than 24 hours
      • Road Ambulance expenses up to a maximum of Rs 2000 per hospitalization.
      • In-patient AYUSH treatment
      • Pre-hospitalization expenses for maximum 30 days and Post-hospitalization expenses related up to 60 days

      Inclusions of the Plan

      The following procedures are covered under the Universal Sompo Arogya Sanjeevani Insurance policy either as in-patient care or as a part of daycare treatment in a hospital up to 50% of the Sum Insured, specified in the policy schedule during the policy period:

      • Balloon Sinuplasty
      • Oral Chemotherapy
      • Deep Brain Stimulation
      • IntraVitreal Injections
      • Immunotherapy
      • Robotic Surgeries
      • Stereotactic radio surgeries
      • Bronchial Thermoplasty
      • Vaporization of the Prostate
      • Intra Operative NeuroMonitoring
      • Stem Cell therapy

      Exclusions of the Plan

      Given below is the list of exclusions for the Universal Sompo Arogya Sanjeevani Insurance plan:

      • Admission primarily for evaluation and investigation purpose
      • Admission mainly for a Rest cure, respite and rehabilitation
      • Expenses related to surgical treatment of obesity that does not fulfill the policy conditions
      • Change of gender treatments
      • Expenses for plastic or cosmetic surgery
      • Injury or illness that occurred due to participation in a hazardous or adventure sport
      • Expenses for treatment of injuries resulting from a breach of law or criminal offense by the insured
      • Treatment for drug or alcohol abuse
      • Dietary supplements not prescribed by the medical practitioner
      • Maternity expenses related to childbirth, miscarriage, complications and termination of pregnancy

      Features & Benefits of the Universal Sompo Arogya Sanjeevani Insurance Plan

      Given below are the salient features and benefits of the Universal Sompo Arogya Sanjeevani Insurance plan:

      • The policy offers Sum Insured options between Rs 1 lakh and Rs 5 lakh in multiples of Rs 50,000.
      • This policy can be availed by adults up to 65 years of age.
      • Pre-policy medical examination is not required for subscribers less than 55 years of age.
      • Pre-existing diseases will be covered after a waiting period of 48 months of continuous coverage, and specific illnesses have a waiting period of 24 months.
      • 5% of the claim amount admissible as Co-payment and payable as per the policy terms for every claim
      • The premium paid and the benefits received under this policy are eligible for tax deduction under Section 80D of the Income Tax Act 1961.

      Eligibility Criteria

      To avail this policy, one has to fulfill the following benefits:

      Minimum Entry Age

      Adults-18 years

      Dependent Children-91 days

      Maximum Entry Age

      Adults-65 years

      Dependent Children- 25 years

      Number of people covered

      Individual, spouse, dependent children, parents and parents-in-law

      Residential Status

      Residents of India, including citizens and permanent residents

      Cancellation of the Policy

      • The insured may cancel the policy after giving 15 days' notice to the insurance company. In such an event, the insurance company will refund the premium on short term rates for the unexpired policy period provided no claims have been filed or availed.
      • The company may cancel the policy on the grounds of non-disclosure of information, misrepresentation, and fraud after giving 15 days' notice. There would be no refund of the premium in this case.


      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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