Universal Sompo Hospital Cash Insurance Plan

Renewability

Lifetime renewability option

Cover offered

Hospital Confinement BenefitIntensive Care BenefitConvalescence Benefit

Discount

2 year premium payment as advance will attract 10% discount3 year premium payment in advance will attract 15% discount5% discount on family enrolment

Benefits

No medical screening till 55 years, post which 50% of screening costs will be reimbursed.Cashless hospitalization in any of the network hospitals.Tax exemptions as per Section 80D of the Income Tax Act, 1961.6 flexible options for deciding cover and daily allowance limits.

Exclusions

Pre-existing diseases not covered for the first 48 months of continuous policy coverage. The time period may be scrapped or reduced if the insured already has continuous health coverage from other Indian general insurers.Treatment of diseases like cataract, hernia, arthritis, stones, joint replacements, tonsil or sinus surgery, piles, gastric and duodenal ulcers etc. within the 1st policy year.Sickness classified as epidemic.Domiciliary or general hospitalization within 30 days of initiation of insurance cover on account of illness.Circumcision unless for treatment of a disease.Dental surgery or treatment that didn't arise out of accidental injury.Intentional self-injury, venereal diseases and alcohol/drug use.AIDS and related treatments.Pregnancy and childbirth related losses.Alternative treatments, etc.