Universal Sompo Arogya Sanjeevani Insurance Policy

(22 Reviews)
Highlights

*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

Back
Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      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

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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

      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
      Should You Buy a Super Top-up Health Insurance Policy?

      18 Jan 2023

      India is abuzz with a variety of health insurance plans to cater
      Read more
      6 Reasons Why Your Cashless Health Claims Can Get Denied

      18 Jan 2023

      Cashless claims are one of the most lucrative benefits of buying a
      Read more
      Check Out the Mandatory KYC Documents for Health Insurance

      30 Dec 2022

      The Insurance Regulatory & Development Authority of India
      Read more
      What to Look for in a Health Insurance for Cancer Plan?

      20 Dec 2022

      Cancer is one of the biggest demons that the world faces today
      Read more
      What are the Factors Affecting Health Insurance Premium?

      20 Dec 2022

      Demand for insurance products in India, especially health
      Read more
      What are the Normal Thyroid Stimulating Hormone (TSH) Levels as Per Age?
      The thyroid gland is an important gland responsible to produce the right amount of hormones for normal body
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Income Tax Slab for Women: Guide to Exemptions and Rebates
      In India, every person who earns beyond a certain limit is liable to pay income tax to the government. The tax
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL