Universal Sompo Hospital Cash Insurance Policy

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.

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Universal Sompo Hospital Cash 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

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    Universal Sompo Hospital Cash Policy Overview

    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.

    Universal Sompo Hospital Cash Policy Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    18 years

    06 months (children)

    Maximum Entry Age

    70 years

    25 years (children)

    Coverage

    Individual

    Hospital Cash Amount

    Rs 500/1000/1500/2000/2500/3000 per day

    Number of Hospital Cash Days

    15/30/45/60/90/180 days

    Pre-acceptance Medical Test

    Not required up to 55 years

    Policy Term

    1 year/ 2 years/ 3 years

    Pre-existing diseases waiting period

    4 years

    Discounts

    Long term policy discount, family discount

    Renewability

    Lifetime

    Key Features of Universal Sompo Hospital Cash Policy

    Here are some of the key features of the Universal Sompo Hospital Cash insurance policy:

    • It covers individuals as well as families.
    • It offers a daily cash allowance for each day of hospitalization.
    • It provides double hospital cash benefit in case of ICU admission.
    • It also offers a fixed convalescence benefit of Rs 10,000.
    • It provides tax exemption under section 80D of the Income Tax Act

    Inclusions of Universal Sompo Hospital Cash Policy

    The Universal Sompo General Insurance Company provides the following coverage under the Hospital Cash insurance policy:

    • Hospital Confinement Benefit - Offers daily cash allowance to the insured in case of hospitalization
    • Intensive Care Benefit - Offers double the hospital cash benefit amount in case the insured is admitted to the ICU
    • Convalescence Benefit - Offers a fixed amount of Rs 10,000 in case the insured is hospitalized for more than 21 days

    Exclusions of Universal Sompo Hospital Cash Policy

    The Universal Sompo Hospital Cash policy does not cover the following medical expenses:

    • Alternate treatment
    • Pregnancy & childbirth-related claims
    • Dental treatment or surgery
    • Intentional self-injury or suicide
    • Participation in adventure sports
    • Injury/hospitalization due to consumption of liquor, drugs or other intoxicants
    • Cosmetic or plastic surgery
    • Venereal disease
    • Injury due to war or nuclear perils

    The above list of exclusions is not exhaustive. Check the complete list of exclusions by referring to the Universal Sompo Hospital Cash policy brochure.

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