Universal Sompo Aapat Suraksha Bima Policy

This plan is offered to individuals to provide them with a lump sum cover that enables the insured or nominees to cope with the unplanned expenditures other than treatment expenses arising out of diagnosis of specified critical illnesses. The following diseases are covered under this scheme:

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Cancer
Paralytic stroke
Renal failure
Major organ transplant
Coronary artery disease

The cover is also extended to families in case of accidental death or permanent disability suffered by the insured during policy tenure.

Features of Universal Sompo Aapat Suraksha Bima Policy:

The features of this plan are listed below:

Basis	Individual
Age	Min: 18 years Max: 65 years Children within 6 to 25 years can also be covered if the parents are already covered.
Sum assured	Flexible
Renewability	Option for renewable at maturity through lifetime
Cover offered	Coverage here includes the following: Critical illness of five diseases as denoted above Accidental Death Permanent Total Disability The cover is extended on a lump sum basis that is paid out in one go if the above situations were to take place.
Discount	5% discount on 2 years advance premium payment 7.5% discount on 3 years advance premium payment 2.5% premium discount on satisfying healthy living criteria Family discount at 5% for 2-3 members, 7% for 4-5 members and 10% for more than 5 members E-policy buying discount of Rs.110
Benefits	Tax exemptions as per Section 80D of the Income Tax Act, 1961. Flexible premium amounts as per age and sum assured chosen. 100% sum assured paid to nominee/legal heir in case of critical illness (specified), accidental death and permanent total disablement.
Exclusions	The following are excluded from the overall health cover: Illnesses diagnosed in the first 90 days of initiation of policy tenure Preexisting illness Injuries that are self-inflicted, suicides or injuries sustained while intoxicated Death or permanent disability due to taking part in professional adventure sports, while travelling by air in any other capacity other than as a general fare paying passenger Death due to Critical Illness within 30 days of diagnosis

*The information listed here is as per the latest data. You should read the policy documents carefully before making a decision on buying a health insurance policy.

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