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Universal Sompo Health Insurance Individual
Universal Sompo Individual Health Insurance Policy
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.
Key Features of Universal Sompo Individual Health Insurance Policy
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
Type of plans available in Universal Sompo Individual Health Insurance Plan
The plan can be taken for -
What is covered in Universal Sompo Individual Health Insurance Plan?
Expenses incurred towards hospital room rent and boarding
Cost of blood, oxygen, surgeon or specialist’s fees etc
Domiciliary treatment costs
Additional Benefits of Universal Sompo Individual Health Insurance Plan
Additional option of covering Critical illness available
Eligibility and Restrictions of Universal Sompo Individual Health Insurance Policy
Coverage Amount (in Rs.)
Policy Term (in years)
Entry Age (in years)
Tax Benefits n Universal Sompo Individual Health Insurance Policy
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.
Exclusions - What is not covered in Universal Sompo Individual Health Insurance Policy?
Treatments within first 30 days, except hospitalization due to accident
First year exclusion on Cataract, Hysterectomy, Piles, Benign Prostatic Hypertrophy, Sinusitis and related disorders
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
HIV, AIDS, STD and related diseases
Any condition due to war, invasion, act of foreign enemy etc