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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Universal Sompo Health Insurance for Senior Citizens

*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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    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)

    Co-Payment

    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)

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    *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:

    Categories

    Eligibility Criteria

    Minimum Entry Age

    60 years

    Maximum Entry Age

    70 years

    Family Members Covered

    Self, spouse

    Renewability

    Lifetime

    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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