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.

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Universal Sompo Health Insurance for family

*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

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    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:


    Eligibility Criteria



    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



    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.


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