Universal Sompo Senior Citizen Health Care is policy that can be taken by a senior citizen who is above 60 years of age for covering himself/herself and his/her spouse. The policy covers hospitalization charges for the insured and also offers optional cover of critical illness occurring 90 days after the policy issue date.
Premium for Hospitalization ( Individual Plan/ 1 Adult) | |||||
Age/ Sum Insured | 1,00,000 | 2,00,000 | 3,00,000 | 4,00,000 | 5,00,000 |
60-65 years | 4358 | 8820 | 13493 | 16196 | 18848 |
66-70 years | 5403 | 10937 | 16731 | 20083 | 23371 |
71-75 years | 5796 | 11731 | 17946 | 21541 | 25068 |
76-80 years | 7130 | 14429 | 22072 | 26496 | 30832 |
80-85 years | 7628 | 15438 | 23618 | 28350 | 32991 |
86-90 years | 9383 | 18989 | 29049 | 34871 | 40578 |
90 years | 11259 | 22787 | 34859 | 41845 | 48694 |
Premium for Hospitalization (1 + 1 Adult Plan on Individual Sum Insured basis) | |||||
Age/ sum insured | 1,00,000 | 2,00,000 | 3,00,000 | 4,00,000 | 5,00,000 |
60-65 years | 8279 | 16758 | 25636 | 30773 | 35810 |
66-70 years | 10266 | 20780 | 31789 | 38158 | 44405 |
71-75 years | 11012 | 22288 | 34097 | 40928 | 47629 |
76-80 years | 13546 | 27416 | 41937 | 50342 | 58542 |
80-85 years | 14494 | 29333 | 44874 | 53865 | 62683 |
86-90 years | 17827 | 36080 | 55193 | 66254 | 77098 |
90 years | 21393 | 43296 | 66232 | 79505 | 92519 |
Premium for Hospitalization (1 + 1 Adult Plan on Floater Sum Insured basis) | |||||
Age/ sum insured | 1,00,000 | 2,00,000 | 3,00,000 | 4,00,000 | 5,00,000 |
60-65 years | 6101 | 12348 | 18890 | 22675 | 26387 |
66-70 years | 7564 | 15311 | 23423 | 28117 | 32719 |
71-75 years | 8114 | 16423 | 25123 | 30157 | 35095 |
76-80 years | 9981 | 20201 | 30900 | 37094 | 43166 |
80-85 years | 10680 | 21613 | 33065 | 39690 | 46187 |
86-90 years | 9383 | 26585 | 40669 | 48819 | 56809 |
90 years |
15763 |
31902 |
48803 |
58583 |
68171 |
Premium for Critical Illness Insurance (Applicable for each insured person on individual SI basis only) | |||||
Age/ sum insured | 1,00,000 | 2,00,000 | 3,00,000 | 4,00,000 | 5,00,000 |
60-65 years | 2179 | 4410 | 6746 | 8099 | 9424 |
66-70 years | 2702 | 5468 | 8365 | 10042 | 11685 |
71-75 years | 2898 | 5865 | 8973 | 10771 | 12534 |
76-80 years | 3565 | 7215 | 11037 | 13248 | 15416 |
80-85 years | 3815 | 7720 | 11809 | 14175 | 16496 |
86-90 years | 4691 | 9495 | 14525 | 17435 | 20289 |
90 years |
5630 |
11394 |
17430 |
20922 |
24347 |
*The above rates may change. Please check the policy wordings for more details.
Cancellation Period | ||||||
Cover Period | Within 1 month | From 1 month to 3 months | From 3 months to 6 months | From 6 months to 1 year | During 2nd year | During 3rd year |
1 year | 75% | 50% | 25% | 0% | NA | NA |
2 year | 75% | 65% | 50% | 25% | 0% | NA |
3 year | 75% | 70% | 60% | 45% | 11% | 0% |
Admissible on all hospitalization claim under the Policy |
10% shall apply |
Arising out of pre-existing diseases |
20% shall apply except for claims arising under critical illness |
Day care Procedures |
15% shall apply |
Packaged Charges by Hospital |
No co-pay shall be applicable on packaged charges by Hospital |
Sum Insured Enhancement- sum insured can be enhanced only upon renewal
TPA and Network Providers- For assisting you during claims related services we have engaged a Third Party Administrator and also tied-up with a lot of hospitals all over India for securing a cashless claims processing.
Region of cover- we shall pay for treatment confined to the Hospitals in India only.
Loadings under Universal Sompo Senior Citizen Health Care Insurance Policy
To buy the policy, an ‘Application form/ proposal form’ is required to be filled. It should be submitted along with accurate medical history and the address proof. Medical examination may be required in some cases, based on the sum insured and the age of the person.
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