Universal Sompo Super Health Insurance Top up & Super Top up Plan

Universal Sompo Super Healthcare Insurance plan provides the option of both top-up health insurance cover and Super top-up health insurance cover. The policy offers different sum insured and deductibles options and the details are given below.

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Universal Sompo Super Health Insurance Top up & Super Top up Plan

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    Universal Sompo Super Healthcare Insurance Plan

    Universal Sompo Super Healthcare Insurance Top-up and Super Top-Up Plan come in multiple variants. The top-up plan comes in three variants i.e. Plan 1, Plan 2, and Plan 3. And the Super top-u plan comes in Gold, Diamond, and Platinum variant. The coverage amount kicks in once the deductible amount is exhausted i.e. over and above the policy deductible limit.

    For example, if you buy a Universal Sompo Super top-up plan of Rs 50 lakh and the deductible limit is Rs 5 lakh and the hospitalization bill is Rs 45 lakh then the insurer will pay off the amount above the deductible i.e. Rs 40 lakh.

    Eligibility Criteria:



    Sum Insured

    Rs 1 lakh to Rs 1 Crore


    Rs 50,000 to Rs 40 lakh

    Minimum Entry Age

    Adults: 18 years
    Children: 91 days

    Maximum Entry age

    Adults: 80 years
    Dependent Children: 30 days

    Renewal terms


    Waiting Period for Pre-existing Diseases

    2- years

    Universal Sompo Health Top-up plans:

    Universal Sompo Super health care policy offers the option of both top-up and super top-up health plans as given below:

    Super Healthcare Top-up plan

    The Super healthcare top-up plan provides an extra cushion against rising inflation and increasing medical expenditures. It has three variants under Plan 1, Plan Two and Plan 3 with variable sum insured. The policy tenure is for one, two and three years.

    Super Healthcare Super Top-up plan

    Universal Sompo healthcare also offers super top-up plans with the same benefits as the regular top-up plan. The Super top-up plan provides extra value-added services and discounts to the policyholders. It comes in Gold, Diamond, and Platinum variant.

    Key Benefits of Universal Sompo Top-up and Super Top-up Health Plans

    The features and benefits of the Universal Sompo Super healthcare plan are given below:

    • The plan provides a wide range of options to choose the sum insured along with the deductible limits.
    • It eliminates the need for medical tests up to 65 years.
    • The plan offers a reward program for policyholders who meet their health-related goals.
    • The policy provides tax benefits for the customers.
    • The policyholder can extend cover to his family members by purchasing a family floater plan.
    • The plan covers medical expenses related to organ transplantation.
    • The Universal Sompo health claim settlement ratio is 93% which is quite good as per the industry standards
    • \

    Inclusions of Universal Sompo Top-up and Super Top-up Health Plans

    Universal Sompo Super Healthcare Insurance plan provides the following coverage benefits to the policyholders-

    • The plan covers medical expenses related to Inpatient hospitalization such as room rent, boarding charges, nursing charges, ICU, medical practitioners fees, etc.
    • The insurer will cover the policyholder's day care treatment and surgical procedures
    • The plan includes pre and post-hospitalization expenses along with Ayush Treatment
    • The Universal Sompo health insurancealso provides reimbursement and settlement of AYUSH treatment expenses
    • The plan considers the expenses incurred for road and air ambulances
    • The policy also covers maternity and new-born care after a waiting period of 9 months only
    • Expenses incurred on Bariatric surgeries are also covered
    • Wellness and Value-added services, like, health coach, health screening, and health risk assessment, as incentives.

    *The applicants can refer to the Universal Sompo health Super top-up plan brochure for a complete list of inclusions.

    Exclusions of Universal Sompo Top-up and Super Top-up Health Plans

    Universal Sompo Super Healthcare plan does not cover the following expenses:

    • Treatment related to alcoholism, drugs and other banned substances
    • Investigation and evaluation of the diseases
    • Treatments related to change of gender
    • Treatments related to eye-sight correction, such as refractive error correction, are excluded
    • Procedures and expenses related to sterility and infertility
    • Cosmetic surgeries and plastic surgeries
    • The plan does not support medical expenses arising from a breach of law or participation in illegal, unlawful activities
    • Injuries sustained due to adventure sports are excluded from the plan

    *The applicants can refer to the Universal Sompo health top-up plan brochure for a complete list of exclusions.

    You can check out Universal Sompo Health Super Top-up and Top-up premium chart to find the amount of premium payable. Check out Universal Sompo Super Healthcare Plan Brochure for more information on benefits and features. For more details, you can write to us at care@policybazaar.com.


    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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