Insurance Plans October 31, 2020

Universal Sompo Super Healthcare Insurance Plan

Universal Sompo has always impressed its customers with various health insurance plans. It offers health plans at an affordable premium and covers various health problems. So, you must explore the Universal Sompo Super Healthcare Insurance Plan that offers a Sum Assured of up to Rs.1 Crore. On the other hand, it covers the cost of various surgeries and treatments that are needed due to a disease. If you don’t make any claim during the policy term then the company gives a cumulative bonus to the insured. You can also earn loyalty discounts in this health insurance plan. So, you must explore all the key features and benefits of this health insurance plan.

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Exclusive Features of Super Healthcare Insurance Plan

  1. This plan provides you a high amount of Sum Assured.
  2. There is no need for any medical check-up until the age of 65 years and up to the Sum Assured of Rs.20 Lacs.
  3. Enjoy discounts on the premium by buying the plan for a long policy term.
  4. Get a free health check-up at the time of renewal.
  5. This policy is available on an individual basis and a family floater basis.
  6. Get Tax Benefits under Section 80D of the Income Tax Act 1961.

Benefits of Sompo Super Healthcare Policy

Now, you can explore the various health risks and expenses that are covered in this health insurance plan. You can also see the other benefits that the company gives with this insurance plan.

Hospitalization Expenses Cover

This plan will cover the following expenses of the insured if in case he is hospitalized:-

  1. Room Rent, boarding expenses
  2. Nursing Charges
  3. Intensive Care Unit Charges
  4. Medical Practitioner Fees
  5. Anesthesia, blood, oxygen, operation theatre charges, surgical appliances charges
  6. Medicines, drugs, and consumables
  7. Intravenous fluids, blood transfusion, injection administration charges
  8. Diagnostic procedures
  9. The Cost of prosthetic and other devices or equipment if implanted internally during a Surgical Procedure

Day care Treatment Cover

Sometimes the individuals don’t need to be hospitalized and he receives the treatment is a day. These kinds of treatments are known as day care treatment. So, the company will cover the cost of the day care treatment in this insurance plan.

Pre and Post hospitalization Cover

Expenses incurred prior to hospitalization are covered in this insurance plan and they are known as the pre-hospitalization expenses. On the other hand, this plan covers the post-hospitalization expenses that incurs after discharge from the hospital.

Organ Donor Expenses Cover

If you are going through the organ transplant surgery then the expenses for it will be reimbursed by the company in the Universal Sompo Super Healthcare Insurance Plan. The maximum cover for the organ donor expenses will be up to the amount of Sum Assured.

Home Care Treatment Cover

There are some treatments that are received at home and they don’t need hospitalization. On the other hand, sometimes doctors advise their patients to continue their treatment at home. These kinds of treatments are known as domiciliary treatments and the expenses of these treatments are covered in this health plan.

Ambulance Expenses Cover

You will also get the reimbursement for the Ambulance Expenses in this health plan. The company will cover the cost of an ambulance incurred for carrying the patient from one place to another.

Restoration of the Sum Assured Benefit

If in case the amount of the Sum Assured is exhausted then the company will restore the 100% Sum Assured. It will help the insured to continue the treatment if in case he has felt a shortage of funds.

AYUSH Treatment Cover

There are many individuals who prefer Ayurvedic treatment because it has the least side effects on the human body. So this insurance plan covers the expenses incurred for the AYUSH Treatment. The AYUSH treatment includes some treatments and they are as follows:-

  1. Ayurveda Treatment
  2. Unani Treatment
  3. Siddha Treatment
  4. Homeopathy Treatment

Cumulative Bonus

After every claim-free year, the company will give you a cumulative bonus of 20% and the Sum Assured for the next year will be increased by 20%. The cumulative bonus will be added to the Sum Assured after every claim-free year until the value reaches 100% of the Sum Assured.

Discounts on Premiums

  1. You will get a discount of 10% if you add 2 or more family members to the same plan.
  2. Get a discount of 7.5% by paying the annual premium of 2 policy terms.
  3. Enjoy a discount of 10% by paying the annual premium of 3 policy terms.
  4. The company will give you a loyalty discount of 5% every year.
  5. If you are an employee of Universal Sompo then you will get an employee discount of 15%.

Eligibility Criteria of Universal Sompo Super Healthcare Insurance Plan

ParticularsDetails
Minimum Amount of Sum AssuredRs.1 Lac
Maximum Amount of Sum AssuredRs.1 Crore
Minimum Age of Entry18 Years
Maximum Age of Entry80 Years
Minimum Age of Entry for a Dependent Child91 Days
Maximum Age of Entry for a Dependent Child30 Years
Minimum Policy Term1 Year
Maximum Policy Term3 Years
Policy Term Options1 Year, 2 Years. 3 Years

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