Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin

Universal Sompo Hospital Cash Health Insurance

205 reviews Rate This
Universal Sompo Health Insurance
Hospital Cash Insurance Policy
Claim SettlementAvailable
Claim Settlement Ratio96%
In-House Claim SettlementAvailable
Network Hospitals4,000+
Starting Premium for Rs. 5 lakh CoverageRs. 527/month
Starting Premium for Rs. 5 lakhs SIRs. 475/month

About Universal Sompo Hospital Cash Health Insurance

Hospital Cash Insurance Policy is a health plan that covers you and your family thereby providing them cash allowance in the event of hospitalisation. The policy comprises three sections namely hospital confinement benefit, intensive care benefit, and convalescence benefit. In the first section, there are 6 benefit options with benefit amounts ranging between Rs. 500 and Rs. 3,000 with maximum amount per policy period of between Rs. 90,000 and Rs. 5,40,000. In the second section, the amount chosen by you from the same benefit options will be doubled in case you or your family member is in ICU during the course of treatment. In the third section, a convalescence benefit of Rs. 10,000 will be payable under the policy in case the hospitalisation of you or your family member exceeds 21 days. Also note that the benefit will not be payable if the hospital cash period is 30 days or more, up to a maximum of 180 days.

You can purchase Hospital Cash Insurance Policy if you are aged between 18 years and 70 years, to cover himself or herself and his/her family, which may include legally wedded spouse, dependent children until 25 years of age, and dependent parents. You can buy the policy for 1 year, 2 years, or 3 years, as per your requirements and budget. Another policy highlight is that there is no requirement of pre-medical test, if you are aged at least 55 years. If aged more than that, you may have to undergo a few tests, at the listed centers of Universal Sompo General Insurance. The policy is renewable for lifetime, which means that you can keep renewing it for lifetime, provided there is no lapse.

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
Family
Father
Mother

Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members
Need help?

Get FREE Personalized Insurance Advice At Your Home

Key Inclusions and Exclusions of the Plan

What's Included

  • Coverage per day between Rs. 500 and Rs. 3,000 is offered
  • Hospital confinement benefit is offered under this plan
  • Intensive care benefit is offered under this plan
  • Convalescence benefit
  • Policy term of 1 year, 2 years, and 3 years

What's Not Included

  • Pre-existing illnesses until 48 months of coverage
  • Specific treatments until 1 year, including cataract
  • Any sickness that is classified as an epidemic by the government
  • All types of alternate treatments
  • Treatment taken for investigation or evaluation purpose

11505 Universal Sompo Cashless Network Hospitals in India

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.

FAQs on Hospital Cash Insurance Policy Health Insurance Plan

  • Is there any requirement for a pre-medical test to be covered under the Hospital Daily Cash Policy?

    Until 55 years of age, you do not require a pre-medical test. However, if you are aged more than that, then you may require to undergo tests at the listed medical centers. You may be required to undergo fasting sugar blood, ECG and BP report on request. Validity period of these tests are 15 days or less immediately before your proposal gets accepted. Any tests taken more than 15 days before the acceptance of the proposal will not be considered, and a fresh test will be required.

  • Who can buy Hospital Cash Insurance policy?

    The policy can be purchased by an individual who is aged between 18 years and 70 years, to cover himself or herself and his/her family, which may include legally wedded spouse, dependent children until 25 years, and dependent parents. 

  • What are the additional benefits under Hospital Cash Insurance Policy?

    Following are the additional benefits offered under Hospital Cash Insurance Policy: 

    • Long term policy discount
    • Family discount
    • Group discount
    • Portability 
    • Free look-up period 
    • Tax exemption under Section 80D of the Income Tax Act, 1961.
  • What is the eligibility for Hospital Cash Insurance Policy?

    To be the Proposer for Hospital Cash Insurance policy, you must be aged between 18 years and 70 years.

  • Can I enhance my sum insured for the Hospital Cash Insurance Policy offered by Universal Sompo General Insurance?

    Yes. You can enhance my sum insured for the Hospital Cash Insurance Policy offered by Universal Sompo General Insurance, but only upon renewal. Note that it is subject to the underwriter’s approval as well as no claims under the policy. 

     

Health Insurance Articles

  • Latest Articles
  • Popular Articles