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Universal Sompo Senior Citizen Health Insurance

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Universal Sompo Health Insurance
Senior Citizen Health Insurance
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 Senior Citizen Health Insurance

Senior Citizen Health Insurance policy brought to you by Universal Sompo can be seen as good support for senior citizens during old age. This is because it not only covers hospitalisation expenses but also provides optional cover for critical illnesses arising after 90 days from the date of issuance of the policy. Any senior citizen who is aged more than 60 years can purchase this medical insurance policy for himself/herself and his/her spouse. But before purchasing the policy, the applicant is supposed to undergo certain medical tests for the purpose of policy consideration. Also, to be eligible to purchase this policy, you must be a permanent resident of India.

The policyholders can enjoy several benefits under this policy. Some of them are cover for health check-up, daily allowances, coverage for expenses of accompanying person, cover for daycare procedures, cumulative bonus, family discounts, and so on. Additionally, you can enjoy the benefits of lifetime renewability under this policy.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Expenses incurred on availing medical treatment at home
  • Ambulance charges incurred for transfer to the hospital
  • In-patient treatment is covered under this policy
  • AYUSH treatment admissible up to 25% of the sum insured
  • Medical expenses incurred 30 days before and 60 days after discharge from the hospital

What's Not Included

  • Pre-existing diseases are not covered until 24 months of continuous policy coverage
  • Dental treatment or surgery unless necessitated by accident
  • Cosmetic or plastic surgery is not covered
  • Any treatment which is experimental in nature is excluded
  • Intentional self-injury, suicide or attempted suicide is not covered under the plan

11505 Universal Sompo Cashless Network Hospitals in India

Senior Citizen Health Insurance User Reviews

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What users are saying
  • All
  • I come to InsuranceDekho for any kind of policy requirements and I would highly recommend others to use the pl...

    Read More
    M
    By Malabika Banerjee
    On: Mar 05, 2021
  • Universal Sompo has become my go-to insurance company. This time, again with the help of insurancedekho team, ...

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    S
    By Sanjeev Punde
    On: Oct 30, 2020
  • I was looking for a comprehensive health insurance plan for my parents and submitted details on insurancedekho...

    Read More
    O
    By Osho Kharbanda
    On: Feb 24, 2020
  • Universal sompo offers many useful health insurance products for individuals and families. I chose this for my...

    Read More
    C
    By Charchit Rawal
    On: Feb 24, 2020
  • I was very well explained this health insurance plan by the customer care executives at Insurancedekho. My mot...

    Read More
    U
    By Uday Harish Kumar
    On: Feb 12, 2020

Universal Sompo Senior Citizen Health Insurance Expert Review

  • Expert Review

    Universal Sompo is known for providing world-class health insurance products at an economical premium rate. Senior Citizen Health Insurance plan is one such plan from its economical kitty. This plan can be viewed as an excellent benefit for older people. The plan has various advantages right from providing coverage of hospitalisation costs to offering optional cover for critical illnesses.

    Any senior individual who is above 60 years of age is eligible to buy this plan. The maximum entry age under the policy is restricted to 70 years. However, for purchasing this policy, the applicant is required to undergo a pre-policy medical checkup. You can also choose to include your spouse under individual sum insured basis or on a floater basis. The sum insured options available under the plan ranges from Rs. 1 Lakh to Rs. 5 Lakh.

  • Major Attractions

    The plan comes with varied features and benefits. Senior Citizen Health Insurance plan by Universal Sompo get you covered for in-patient treatment expenses such as room and boarding expenses; surgeon, consultant and the specialist fees; cost of surgical appliances, diagnostic material and medicines among various other benefits like -

    • There is coverage for day care procedures and surgeries that require less than 24 hours of hospitali​sation.
    • Coverage​ for medical expenses incurred 30 days prior and 60 days post discharge from the hospital
    • Even the treatment taken at home is covered limited to 50% of sum insured or the actual amount whichever is less
    • Cost of health checkup once in a block of every 3 claim free years is covered
    • Daily allowance up to 0.1% of sum insured or Rs. 250 whichever is less is offered under the policy
    • Coverage for ambulance charges to the extent of 1% of sum insured or Rs. 1500 or actual amount, whichever is less is provided
    • Expenses of accompanying person with certain sub-limit is covered under the policy
    • There is an optional cover for critical illness/surgical procedure under the policy. However, this cover is available only on individual sum insured
    • Upon claim-free years and continuous renewal, a cumulative bonus of 5% is offered under the policy
  • What’s More?

    The advantages under the Universal Sompo Senior Citizen Health Insurance is endless. You can appreciate a few more benefits under this plan such as -

    • Long term policy duration is available under the plan. You can purchase the policy for 1 year to 3 years
    • Family discount of 10% is applicable on premium if you opt to cover your spouse under the policy on individual sum insured basis
    • Free-look period of 15 days is allowed under the policy
    • Lifetime renewability with sum insured enhancement facility available at the time of renewal
    • Avail tax benefit under section 80D of Income Tax Act 1961 on the premium payable under the policy
  • Conclusion

    Universal Sompo Senior Citizen Health Insurance plan is highly recommended for senior citizens who are looking for a plan with exhaustive benefits and economical premium rates.

    You can easily buy this plan online from InsuranceDekho portal and reap the benefits of choosing the most suitable plan, hassle-free claim settlement and easy portability benefit.

Universal Sompo Senior Citizen Health Insurance Brochure

  • 540.11 KB
  • PDF Document
  • Jun 10, 2019

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 Senior Citizen Health Insurance Health Insurance Plan

  • Do the policyholders get any discount under this plan?

    Yes. You can avail a family discount of 10% when you cover your spouse on an individual sum insured basis. You also get a discount of 10% and 15% if you pay 2 years and 3 years premium in advance respectively.

  • What are the sum insured options provided under this plan?

    The policy provides sum insured options ranging from Rs. 1 Lakh to Rs. 5 Lakh. 

  • What are the policy terms available under this policy?

    Policy terms of 1 year, 2 years and 3 years are available under this policy.

  • What are the additional benefits that the policy provides?

    The policy provides the following additional benefits:

    • Cumulative bonus
    • Family discount
    • Portability feature
    • Free look-up period
  • Can I purchase this policy online?

    Yes. You can purchase this policy online from the official website of Universal Sompo or contact the health insurance broker InsuranceDekho at 1800 1205 698.

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