Universal Sompo Health Insurance Individual

Universal Sompo Individual Health Insurance is a health insurance policy which covers medical expenses caused due to an illness or accidental injury incurred by a person due to hospitalisation and for domiciliary treatments. It can be purchased for an individual or for the entire family.

• Covers hospitalisation expenses as well as cost for domiciliary treatments (Medical treatment for a period exceeding 3 days for illness which in the normal course require treatment in a hospital but actually at home)
• Medical tests  required  for person aged above 45  yrs
• Treatments in India are covered

The plan can be taken for - 

• Individual
• Family

• Expenses incurred towards hospital room rent and boarding
• Cost of blood, oxygen, surgeon or specialist’s fees etc
• Hospitalisation expenses
• Domiciliary treatment costs

Additional option of covering Critical illness available

Health Insurance premiums paid up to Rs. 15,000 in case of individuals and Rs 20,000 for senior citizens are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.

• Treatments within first 30 days, except hospitalization due to accident
• Pre-existing diseases
• First year exclusion on Cataract, Hysterectomy, Piles, Benign Prostatic Hypertrophy, Sinusitis and related disorders
• Naturopathy treatment
• Cost of dental treatment, hearing aids, spectacles or contact lenses
• Intentionally caused self injury
• Abuse or intake of drugs, alcohol
• Circumcision unless necessary for medical treatment
• Any cosmetic or aesthetic treatments
• Pregnancy and childbirth related
• Abortion
• HIV, AIDS, STD and related diseases
• Any condition due to war, invasion, act of foreign enemy etc