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

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      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 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:

      Criteria

      Specifications

      Sum Insured

      Rs 1 lakh to Rs 1 Crore

      Deductibles

      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

      Lifetime

      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.

      FAQs 

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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