Universal Sompo Health Insurance or family

Universal Sompo Health Insurance for family

Universal Sompo Health Insurance for family is designed to provide comprehensive medical coverage to the entire family. This family health insurance plan by Universal Sompo General Insurance Company Limited covers all the members of a family under a floater sum insured basis without the need for buying individual policies for everyone.

Key Benefits of Universal Sompo Health Insurance for Family

Given below are the key benefits of Universal Sompo Health Insurance for family:

Multiple sum insured options available ranging from Rs 1 lakh to Rs 10 lakh
10% cumulative bonus granted up to 50% for every claim-free year
Health check-up facilities offered on claim-free renewals
Wide range of value-added services available, including second opinion and teleconsultation
No pre-policy medical check-up for people up to 55 years
5% discount on the premium on opting for treatment at tiered hospitals
Restoration of the sum insured in case of exhaustion
5% & 7.5% discount on buying a policy of 2 years or 3 years tenure respectively
Savings on the premium of Rs 110 on buying the policy electronically

Universal Sompo Health Insurance Plans for Family

Check out the details of the Universal Sompo Health Insurance plan for a family in the table below:

Plan Name	Sum Insured (Rs)	Pre-existing Diseases Waiting Period
Universal Sompo Complete Healthcare Insurance Plan	Basic – 1 lakh, 2 lakh Essential – 3 lakh, 4 lakh, 5 lakh Privilege – 6 lakh to 10 lakh	36 months	View Plan

Eligibility Criteria for Universal Sompo Health Insurance for Family

The following eligibility criteria should be fulfilled to purchase Universal Sompo Health Insurance for family:

Categories	Eligibility Criteria
Categories	Adult	Child
Minimum Entry Age	18 years	1 day
Maximum Entry Age	70 years	25 years
No of Family Members Covered	Self, spouse, dependent children and parents
Renewability	Lifetime

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Inclusions of Universal Sompo Health Insurance for Family

The following coverage is offered under Universal Sompo Health Insurance for family:

In-patient Treatment
Day Care Procedures
Domiciliary Hospitalization
Pre-hospitalization Expenses
Post-hospitalization Expenses
Organ Donor Cover
Ambulance Charges
Dental Treatment in Case of Accidents
AYUSH Benefit
Daily Cash for Accompanying an Insured Child
Animal Bite Vaccination
Outpatient Treatment
Convalescence Benefit
Maternity and Childcare Benefit
HIV AIDS Cover

Optional Covers:

Personal Accident Cover
Critical Illness Cover
Hospital Daily Cash
Sub-limits
Treatment in Tiered Hospitals

Exclusions of Universal Sompo Health Insurance for Family

Universal Sompo Health Insurance excludes the following coverage:

Treatment taken outside India
Maternity Expenses
Obesity & weight control treatment
Refractive error
Treatment for alcohol addiction or drug abuse
Plastic or cosmetic surgery
Sterility and infertility treatment

Refer to the policy documents of Universal Sompo Health Insurance for family to get the complete list of exclusions.

FAQs

Q1. Does Universal Sompo Health Insurance for family comes with a co-payment?

Ans: Yes. You will be liable to pay a co-payment of 10% if you avail treatment at a non-tiered hospital.
Q2. Which waiting periods apply to Universal Sompo Health Insurance for family?
Ans: The following waiting periods apply to Universal Sompo Health Insurance for family:
- Initial Waiting Period – 30 days
- Specific Diseases Waiting Period – 1 year
- Maternity and Childcare Benefit Waiting Period – 3 years
- Out-patient Treatment Waiting Period – 3 years
- Pre-existing Diseases Waiting Period – 3 years
- Critical Illness Waiting Period – 90 days
Q3. How much total discount can I avail under Universal Sompo Health Insurance for family?

Ans: You can avail a maximum discount of 40% under Universal Sompos Health Insurance for family.