Universal Sompo Individual Health Insurance

Individual Health Insurance Policy, being rightly named, makes sure proper care is given to the insured when they are hospitalised. The policy covers treatment taken in hospitals or nursing homes across the country. Cashless hospitalisation under this plan is available at more than 4,000 network hospitals. Some of the coverage benefits that you should know are:

• Inpatient hospitalisation for more than 24 hours, including room rent, surgeon's fee, consultation fee, medicines, anaesthesia, diagnostic studies, blood, oxygen, operation theatre charges, etc.
• Medical expenses like medicines, consultation fee, tests, etc. incurred up to 30-day before hospitalisation
• Medical costs, including physiotherapy charges, consultation fee, medicines related to disease/accident 60-day post discharge from the hospital
• Medical expenses for domiciliary hospitalisation for a period exceeding 3 days. This means an illness which normally requires treatment in a hospital, but actually taken at home because the patient can’t be taken to the hospital
• Coverage for daycare procedures that require less than 24 hours of hospitalisation because of advanced technologies in the medical industry
• Emergency ambulance charges are covered up to 1% of the basic sum insured subject to a maximum of Rs 1,000
• Daily hospital cash benefit if the insured is hospitalised for 24 hours or more. The amount payable is equal to 0.1% of the basic sum insured or Rs. 250 per day, whichever is less - limited to a maximum of Rs 2,500/ in a policy period
• The policy also covers the costs of organ donor transplant and procedure

Apart from the coverage benefits, the Individual Health Insurance policy of Universal Sompo also provides you with some other benefits that make the plan apart. This includes:

• No pre-medical checkup up to the age of 45 years
• Hassle-free in-house claim management
• Free health checkup once at the end of every four claim free policy years
• Cumulative bonus of 5% of the basic sum insured for every claim free year. It can be accumulated to a maximum of 30%
• Tax benefits under Section 80D of the Income Tax Act

With the benefits of extensive coverage and features by Universal Sompo under the Individual Health Insurance, it ‘s good to buy this policy and cover yourself and your family. This can be a suitable policy available at a lower premium (premium is generally calculated based on the age of the insured and the sum insured selected.

Moreover, the Individual Health Insurance policy can be bought online or through offline mode with minimum documentation. However, it’s advisable to opt for the online mode for fast issuance of the policy and utmost transparency. And to make the policy purchase experience more convenient and worthwhile, choose InsuranceDekho. At InsuranceDekho, experts can help you with when it comes to claim settlement support, policy portability support, and various other after-sale support.

Pre hospitalisation expenses are covered for up to 30 days before actual hospitalisation and post hospitalisation expenses are covered for up to 60 days after being discharged from the hospital.

The rider covers cancer, paralytic stroke, chronic renal failure, coronary artery bypass surgery and major organ transplants.

Yes, sub-limits are applicable on room rents. The sub-limit is 1% of the basic sum insured for normal hospital room and 2% of the basic sum insured for ICU room rent.

Domiciliary hospitalisation is covered for up to 20% of the basic sum insured and only when such hospitalisation is for more than 3 days.