Universal Sompo Super Healthcare Health Insurance

Super Healthcare Policy offers financial cushion in case your hospital bill exceeds the sum insured under any mediclaim policy, or deductible amount. The policy comes in two variants namely top-up and super top-up, which further come with different options namely Plan 1, Plan 2, and Plan 3; and Gold, Diamond, and Platinum respectively. These come with different sum insured and deductible options ranging between Rs. 1 Lakh and Rs. 1 Crore and Rs. 50,000 and Rs. 40 Lakh. You can buy the policy on an individual or family floater basis if you are aged between 18 years and 80 years and can include dependent children as well aged between 91 days and 30 years. On floater sum insured basis, you can add self, spouse, and 4 dependent children to the policy, whereas on an individual basis, you can include self, spouse, dependent children, parents, grandparents, grandchildren, mother-in-law, father-in-law, son-in-law, daughter-in-law, dependent brother-in-law, dependent sister-in-law, sister, brother, niece, and nephew, under the policy.

Universal Sompo Super Healthcare Policy can be purchased for 1 year, 2 years, or 3 years, depending on the requirement and budget. The policy covers you several healthcare expenses such as in-patient hospitalisation expenses, free-health check-up on renewal, wellness reward programme, maternity expenses arising after 9 months from the date of policy inception, pre-hospitalisation and post-hospitalisation expenses, organ donor expenses, daycare procedures, domiciliary hospitalisation expenses, in-patient hospitalisation arising due to AYUSH systems of medicines, etc. You are not required to undergo any medical tests up to 65 years or sum insured of Rs. 20 Lakh. Also, you can avail tax benefits on the premium paid for this policy under Section 80D of the Income Tax Act, 1961.