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.

Read More

Get insured from the comfort of your home No medicals required

Tell us about you

Universal Sompo Arogya Sanjeevani Insurance Policy

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on 'View Plans' you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    Universal Sompo Arogya Sanjeevani Insurance: Key Highlights

    Type

    Individual or Family Floater

    Policy Term

    1 year

    Sum Insured

    Rs 1 lakh- Rs 5 lakh

    Cumulative Bonus

    5%

    Renewability

    Lifetime

    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.

    FAQs

    Health insurance articles

    Recent Articles
    Popular Articles
    Is Dermatology Covered by Health Insurance Plans?

    21 Oct 2021

    The prevalence of dermatology has risen significantly in India...
    Does Health Insurance Cover Orthopaedic Surgery?

    09 Oct 2021

    Orthopaedic health conditions have become quite common in India...
    Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference

    07 Oct 2021

    Every health insurance plan comes with unique benefits to attract...
    What Is The Right Age To Purchase A Health Insurance Policy?

    30 Sep 2021

    Every person must have a health insurance policy to deal with...
    Does Your Health Insurance Remain Valid If You Move Abroad?

    30 Sep 2021

    Health insurance is one of the best investments that you can make...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Best Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...
     
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL