Universal Sompo Complete Health Care Plan

Minimum: 18 years Maximum: 70 years Children who are dependent on their parents have to be a minimum age of 91 days to be eligible for this policy, and if this is taken as a floater plan, the minimum age can be 1 day

Individual or Family floater basis

This policy can be renewed for life

The policy offers a term of 1 year or 3 years.

1. Hospitalization expenses related to charges for the room, nursing expenses, doctor's fees, anaesthesia, blood, oxygen, intensive care unit charges, medicines, drugs, operation theatre charges etc. for a minimum of 24 hrs
2. If hospitalization is less than 24 hrs, day care treatment is also taken care of under this policy
3. Domiciliary hospitalization is also covered under the policy
4. Pre hospitalization wherein any expenses arising 30 day prior to you being hospitalised will be covered
5. Follow up visits, medication, other tests required post hospitalization will also be covered
6. Organ donation, wherein expenses related to you and the donor are covered
7. The cost of the ambulance service will also be covered up to a specific amount
8. In case of accidents, any dental related treatment is covered under this policy
9. Ayurveda, Unani, Sidha or Homeopathy is also covered under this policy
10. If dependants/ children need to undergo hospitalization for more than 72 hours and are below the age of 12 years, their medical care will also be covered by the policy
11. Inoculation and immunizations vaccines are included in the policy
12. Diagnostic tests, Outpatient Dental Treatment, requirement of spectacles, contact lenses, hearing aid etc are covered
13. Pregnancy and childbirth expenses, with prenatal and postnatal expenses also being covered

1. Basic - sum insured of Rs 1 Lakh or Rs 2 Lakhs for individual and family floater
2. Essential - sum insured of Rs 3 Lakhs, Rs 4 Lakhs or Rs. 5 Lakhs for individuals and family floater
3. Privilege - sum insured of Rs 6 Lakhs, Rs 7 Lakhs, Rs. 8 Lakhs, Rs. 9 Lakhs or Rs. 10 Lakhs for individuals and family floater

1. The free look period for this policy is 15 days from the day you receive the policy documents
2. Premiums paid towards the policy offer tax benefits under Section 80D of the Income Tax Act, 1961.
3. This policy also restores benefit, wherein if the sum insured is exhausted then the sum insured will be reinstated
4. Cashless hospitalization in any of the network hospitals
5. Cumulative bonus of a minimum of 10% and a maximum of 50% will be offered as no claim bonus
6. This policy also offers a grace period of 30 days for the payment of the premium, from the date on which it was due