*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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Universal Sompo Hospital Cash insurance covers out of pocket expenses incurred by the insured during accidental or sickness hospitalization. It provides financial assistance to the policyholder against incidental hospitalization expenses that are usually excluded under regular health insurance plans.
Universal Sompo Hospital Cash insurance policy provides a daily allowance to the insured for every day of hospitalization. It provides twice the hospital cash benefit amount in case the insured has been admitted to the Intensive Care Unit (ICU). It also offers a convalescence benefit in case the insured is admitted to the hospital for more than 21 days.
The Universal Sompo Hospital Cash policy covers a hospital cash amount of Rs 500/1000/1500/2000/2500/3000 per day. It also comes with the hospital cash days of 15/30/45/60/90/180 days.
Minimum Entry Age
06 months (children)
Maximum Entry Age
25 years (children)
Hospital Cash Amount
Rs 500/1000/1500/2000/2500/3000 per day
Number of Hospital Cash Days
Pre-acceptance Medical Test
Not required up to 55 years
1 year/ 2 years/ 3 years
Pre-existing diseases waiting period
Long term policy discount, family discount
Here are some of the key features of the Universal Sompo Hospital Cash insurance policy:
The Universal Sompo General Insurance Company provides the following coverage under the Hospital Cash insurance policy:
The Universal Sompo Hospital Cash policy does not cover the following medical expenses:
The above list of exclusions is not exhaustive. Check the complete list of exclusions by referring to the Universal Sompo Hospital Cash policy brochure.
The Universal Sompo Hospital Cash Insurance policy comes with the following waiting periods:
You can reduce the premium of a Universal Sompo Hospital Cash policy with the help of the following discounts:
Yes. You can enhance the sum insured under your Universal Sompo Hospital Cash policy at the time of policy renewal.
Yes. You can return your Universal Sompo Hospital Cash policy after buying. However, you are recommended to cancel the policy within the free look period or the first 15 days of the policy commencement to prevent paying a cancellation fee. In case you return the policy after the free look period, you will have to pay a cancellation fee.
Yes. Cashless treatment facilities are available at more than 4000 network hospitals of Universal Sompo General Insurance Company spread across the country.
You will need to submit the following documents at the time of raising a claim under your Universal Sompo Hospital Cash policy:
Copy of hospital bills and payment receipts
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