With rising healthcare expenses, having health insurance is imperative. Hence, individual health insurance plans are in great demand these days. In this regard, Universal Sompo Individual plan is quite popular for catering to the different needs of the individual.
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If we talk about leading insurers in India then Universal Sompo is one of them. The company is quite popular for the quality of services and products, rapport with customers, smooth claim settlement and providing comprehensive insurance coverage. The advantages of individual policy to be considered are:
The individual policy of Universal Sompo offers the following benefits:
|Category||Scope of Cover|
|In-patient Expense Cover||Hospitalisation expenses including room rent, nursing expenses, ICU charge, OT charge, doctors consultation fee, surgeon’s fee, expenses of blood, oxygen, medicine, X-ray, laboratory etc.|
|Cashless Treatment||At network hospitals across India|
|Domiciliary Treatment||Covers treatment exceeding for 3 days while treatment is availing at home, which otherwise would have required hospitalisation, in conditions like if the patient is unable to move or if the patient can’t be moved to the hospital due to lack of accommodation|
|Extensive Sum insured||A maximum of Rs. 5 lakh cover can be availed|
|Additional Cover||The individual policy can be extended to cover the listed critical illness on payment of an extra premium|
|Medical Check-up||No medical check-up is required up to the age 45 years.|
|Tax Benefits||The premiums paid towards Universal Sompo Individual plan is exempted from tax deduction under Section 80D of Income Tax Act|
The premium is calculated considering the age of the insured person and the coverage opted. If the insured or the dependent’s age is more than 45 years, a medical test is required to avail this plan. The cost of such a test will be borne by the insured.
|Minimum Entry Age||18 years|
|Maximum Entry Age||55 years|
|Maximum Sum Insured||Rs.5 lakh|
|Policy Tenure||1 year|
The policy doesn’t cover the insured person under below conditions:
The following waiting periods are applicable in case of Universal Sompo Individual Basic Plan:
The insurer has in-house claim management process, which ensures a safe and fast settlement. In order to claim your Universal Sompo health insurance, kindly follow the below steps:
To ensure contentious policy benefits timely renewal of health insurance is essential. You can renew Universal Sompo health insurance online or offline. However, online renewal is the most convenient way of doing so. To renew the policy online:
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