Universal Sompo Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy
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  • 4,000+ Network Hospitals
    Check in your City
  • 2,67,221 Policies Issued
  • Lifelong Renewability
  • 75.92% Claim Settlement Ratio
  • In-House Claim Management
  • Coronavirus (COVID-19) Cover

About Universal Sompo Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy offered by Universal Sompo General Insurance is a newly introduced indemnity based health insurance plan that acts as a financial cushion for you and your family. The policy offers protection in case you or your family member face any serious illness or accident that leads to hospitalisation. Offering the utmost flexibility to the policy buyers, this policy can be purchased on an individual or floater sum insured basis where the premium can be paid monthly, quarterly, half-yearly, and yearly instalments.

Universal Sompo Arogya Sanjeevani Policy is available in two types namely Individual Plan which allows you to cover yourself and Family Floater Plan which can be taken for self along with legally-wedded spouse, dependent children, parents, and parents-in-law. It is available on affordable premium and is yet high on coverage features. Some features that the policyholders can enjoy are coverage for dental treatment due to disease or injury, cataract, no claim bonus, lifetime renewability and tax benefits. Sum insured options for this policy range between Rs. 1 Lakh to Rs. 5 Lakh.

Key Inclusions and Exclusions of the Plan

What's Included

  • Ambulance charges for up to Rs. 2,000 per hospitalisation
  • Expenses incurred on treatment of Cataract up to a specific limit
  • Pre and post-hospitalisation expenses for up to 30 and 60 days respectively
  • Hospitalisation expenses for AYUSH treatment are covered
  • Coverage available for dental treatment due to disease or injury
  • Cover for medical expenses for all daycare procedures available

What's Not Included

  • Hospitalisation for rest cure, respite care, and rehabilitation
  • Hospitalisation expenses for investigation and evaluation purpose
  • Treatment for alcoholism, drugs, or any addictive condition
  • Expenses related to surgical treatment of obesity is excluded
  • Expenses incurred due to adventure sports are not covered
  • No cover for the treatment expenses related to gender change

Arogya Sanjeevani Policy Reviews

What users are saying
  • Paid online without worries

    When I decided to buy Universal Sompo Arogya Sanjeevani Policy from InsuranceDekho online, I was not sure if I...

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    D
    By Disha Mahana
    On: Jun 17, 2020
  • Good job team!

    I really appreciate and thank InsuranceDekho’s team for suggesting and helping me buy Universal Sompo Ar...

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    S
    By Suraj D.
    On: Jun 15, 2020
  • amazing services.

    I had heard earlier about agents issuing health insurance policies but I tried to go online and purchased heal...

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    R
    By Rajiv Bhatnagar
    On: Apr 17, 2020
  • nice benefits

    I called the executives at InsuranceDekho and was able to buy the policy within a few minutes. It was a great ...

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    P
    By Priyanka khurana
    On: Apr 16, 2020
  • coronavirus cover also

     The good thing about this plan is that apart from many other benefits, it is also covering me for hospit...

    Read More
    R
    By Raghav Khanna
    On: Apr 16, 2020

Universal Sompo Arogya Sanjeevani Policy Brochure

  • 384.52 KB
  • PDF Document
  • Apr 17, 2020

Claim Process at Universal Sompo Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Arogya Sanjeevani Policy FAQs

  • Who can take Arogya Sanjeevani Policy, Universal Sompo General Insurance Company?

    People aged between 18 years and 65 years can take this policy. 

  • What is the sum insured range under this policy?

    The minimum and maximum sum insured options are of Rs. 1 Lakh and Rs. 5 Lakh respectively (in multiples of 50,000). 

  • Who can be covered under this policy?

    Self, Spouse, Dependent Children, Parents, Parents-in-law can be covered under this policy. 

  • Is there any cumulative bonus offered to the policyholders under this policy?

    Yes. The policyholders can enjoy a cumulative bonus of 5% for every claim-free year up to 50%.

  • Is there any discount on the premium offered under this policy?

    Yes. A loyalty discount of 5% is offered on the applicable premium for existing policyholders who have any retail policy of Universal Sompo, provided that the policy has not expired at the time of the inspection of this policy.

  • What is the maximum entry age for dependent children under this plan?

    The maximum age for dependent children is 25 years under this plan. 

  • Can I avail cashless treatment under this policy?

    Yes. You can avail cashless treatment in more than 4,000 network hospitals under this policy. 

  • Is there any free look period offered under this policy?

    Yes. The policyholders get a free look period of 15 days from the date of receipt of the policy so that they can understand the policy better.

  • What is the waiting period under this policy?

    An initial waiting period is of 30 days, whereas pre-existing diseases can be covered after 48 months of continuous coverage. Specified diseases/surgeries/treatments are covered after a waiting period of 24/48 months under this policy. 

  • Is there any limit on room rent cover under this policy?

    Yes. The policy offers cover for room rent for up to 2% of the sum insured, subject to a maximum of Rs. 5,000 per day. 

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