Universal Sompo Health Insurance for Senior Citizens

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      Universal Sompo Health Insurance for Senior Citizens

      Universal Sompo Health Insurance for senior citizens provides medical coverage to elderly people of age 60 years and above. The Senior Citizen Health Insurance plan by Universal Sompo General Insurance Company Limited has been tailor-made to suit the health needs of senior citizens and provide necessary financial assistance to them.

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      Key Benefits of Universal Sompo Health Insurance for Senior Citizens

      Check out the key benefits of Universal Sompo Health Insurance for senior citizens:

      • Both individual and floater coverage available
      • Multiple sum insured options ranging from Rs 1 lakh to Rs 5 lakh
      • Medical check-up facilities are available after every three claim-free years
      • 5% cumulative bonus provided for every claim-free year
      • Cashless hospitalization facilities available at over 4000 network hospitals
      • 10% family discount for extending coverage to the spouse
      • 10% & 15% discount on opting for a 2-year and 3-year policy tenure
      • Avail tax benefits under section 80D of the IT Act, 1961

      Universal Sompo Health Insurance Plans for Senior Citizens

      The below table represents the details of Universal Sompo Health Insurance for senior citizens:

      Plan Name

      Sum Insured (Rs)


      Universal Sompo Senior Citizen Health Insurance Plan

      1 lakh to 5 lakh

      10% (on all claims)
      20% (on pre-existing diseases claims except for critical illnesses)
      15% (on day care procedures claims)

      View Plan

      *Additional 20% co-payment pre-existing diseases claim on

      Eligibility Criteria for Universal Sompo Health Insurance for Senior Citizens

      Take a look at the eligibility criteria to buy a Universal Sompo Health Insurance plan for senior citizens:


      Eligibility Criteria

      Minimum Entry Age

      60 years

      Maximum Entry Age

      70 years

      Family Members Covered

      Self, spouse



      Inclusions of Universal Sompo Health Insurance for Senior Citizens

      The following coverage is not available under Universal Sompo Health Insurance for senior citizens:

      • In-patient Treatment
      • Day Care Procedures
      • Pre-hospitalization Expenses
      • Post-hospitalization Expenses
      • Domiciliary Hospitalization
      • Daily Allowance
      • Ambulance Charges
      • Expenses of Accompanying Person

      Optional Covers:

      • Critical Illness Cover

      Exclusions of Universal Sompo Health Insurance for Senior Citizens

      Universal Sompo Health Insurance for senior citizens excludes the following coverage:

      • Treatment taken outside India
      • Obesity & weight control procedures
      • Unproven treatment
      • Cosmetic or plastic surgery
      • Refractive error
      • Treatment for alcoholism or drug abuse
      • Dietary supplements purchased without a doctor’s prescription



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      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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