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  • Universal Sompo Hospital Cash Insurance Plan

    Universal Sompo Health Insurance

    This is a hospital cash policy that provides the insured with daily allowance when admitted into a hospital for treatment. The plan offers flexible premium and sum assured choices as well as the option to choose from 6 different daily allowance limits. The scheme can be availed by individuals for themselves, spouse, dependent children and dependent parents. The policy can be purchased without undergoing any medical test up to the age of 55 years. The policy offers Intensive Care benefits, Convalescence benefits and many such attractive benefits.

    Features of Universal Sompo Hospital Cash Insurance:

    The features of this plan are as follows:

    Eligibility age

    Min – 18 years

    Max – 70 years

    Children within 6 months to 25 years can also be covered as dependents

    Basis

    Individual

    Premium

    Single Premium – Rs.188 to Rs.43,000

    Annual premium amounts are as follows (as per daily allowance limit chosen):

    For daily allowance of Rs.500

    Age (years)

    15 days (Rs.)

    30 days (Rs.)

    45 days (Rs.)

    60 days (Rs.)

    90 days (Rs.)

    180 days (Rs.)

    0.6 - 25

    188

    375

    563

    750

    1,125

    2,250

    26 – 40

    263

    525

    788

    1,050

    1,575

    3,150

    41 – 50

    375

    750

    1,125

    1,500

    2,250

    4,500

    51 – 60

    413

    825

    1,238

    1,650

    2,475

    4,950

    61 – 70

    450

    900

    1,350

    1,800

    2,700

    5,400

    71 – 80

    750

    1,500

    2,250

    3,000

    4,500

    9,000

    80+

    900

    1,800

    2,700

    3,600

    5,400

    10,800

    For daily allowance of Rs.1,000

    Age (years)

    15 days (Rs.)

    30 days (Rs.)

    45 days (Rs.)

    60 days (Rs.)

    90 days (Rs.)

    180 days (Rs.)

    0.6 - 25

    390

    762

    1,134

    1,500

    2,250

    4,500

    26 – 40

    540

    1,062

    1,598

    2,100

    3,150

    6,300

    41 – 50

    765

    1,530

    2,264

    3,000

    4,500

    9,000

    51 – 60

    833

    1,665

    2,489

    3,300

    4,950

    9,900

    61 – 70

    915

    1,809

    2,790

    3,600

    5,400

    10,800

    71 – 80

    1,545

    3,015

    4,658

    6,000

    9,000

    18,000

    80+

    1,875

    3,660

    5,513

    7,200

    10,800

    21,600

    For daily allowance of Rs.1,500

    Age (years)

    15 days (Rs.)

    30 days (Rs.)

    45 days (Rs.)

    60 days (Rs.)

    90 days (Rs.)

    180 days (Rs.)

    0.6 - 25

    567

    1140

    1688

    2300

    3375

    6750

    26 – 40

    794

    1605

    2363

    3240

    4725

    9450

    41 – 50

    1136

    2280

    3375

    4635

    6750

    13500

    51 – 60

    1245

    2505

    3713

    5040

    7425

    14850

    61 – 70

    1359

    2835

    4050

    5511

    8100

    16200

    71 – 80

    2310

    4770

    6750

    9201

    13500

    27000

    80+

    2727

    5517

    8100

    11012

    16200

    32400

    For daily allowance of Rs.2,000

    Age (years)

    15 days (Rs.)

    30 days (Rs.)

    45 days (Rs.)

    60 days (Rs.)

    90 days (Rs.)

    180 days (Rs.)

    0.6 - 25

    750

    1500

    2340

    3000

    4464

    9000

    26 – 40

    1050

    2100

    3321

    4200

    6298

    12600

    41 – 50

    1500

    3000

    4662

    6000

    8998

    18000

    51 – 60

    1650

    3300

    4968

    6600

    10098

    19800

    61 – 70

    1800

    3600

    5480

    7200

    10822

    21600

    71 – 80

    3000

    6000

    9080

    12000

    18048

    36000

    80+

    3600

    7200

    10879

    14400

    21956

    43200

    For daily allowance of Rs.2,500

    Age (years)

    15 days (Rs.)

    30 days (Rs.)

    45 days (Rs.)

    60 days (Rs.)

    90 days (Rs.)

    180 days (Rs.)

    0.6 - 25

    938

    1875

    2813

    3750

    5625

    11250

    26 – 40

    1313

    2625

    3938

    5250

    7875

    15750

    41 – 50

    1875

    3750

    5625

    7500

    11250

    22500

    51 – 60

    2063

    4125

    6188

    8250

    12375

    24750

    61 – 70

    2250

    4500

    6750

    9000

    13500

    27000

    71 – 80

    3750

    7500

    11250

    15000

    22500

    45000

    80+

    4500

    9000

    13500

    18000

    27000

    54000

    For daily allowance of Rs.3,000

    Age (years)

    15 days (Rs.)

    30 days (Rs.)

    45 days (Rs.)

    60 days (Rs.)

    90 days (Rs.)

    180 days (Rs.)

    0.6 - 25

    1110

    2295

    3375

    4500

    6885

    13500

    26 – 40

    1605

    3195

    4725

    6300

    9585

    18900

    41 – 50

    2266

    4545

    6750

    9000

    13635

    27000

    51 – 60

    2510

    4995

    7425

    9900

    14985

    29700

    61 – 70

    2731

    5445

    8100

    10800

    16335

    32400

    71 – 80

    4541

    9045

    13500

    18000

    27135

    54000

    80+

    5515

    10845

    16200

    21600

    32535

    64800

    Sum assured

    For Hospital Confinement Benefit

    Options

    I

    II

    III

    IV

    V

    VI

    Amount per day

    Rs.500

    Rs.1,000

    Rs.1,500

    Rs.2,000

    Rs.2,500

    Rs.3,000

    Max Amount per Policy tenure

    Rs.90,000

    Rs.1.8 lakhs

    Rs.2.7 lakhs

    Rs.3.6 lakhs

    Rs.4.5 lakhs

    Rs.5.4 lakhs

    For Intensive Care benefit

    • 2 times Hospital Confinement Benefit

    For Convalescence Benefit

    • Rs.X once during policy tenure provided you were hospitalized for more than 21 days

    Policy term

    1 year

    Renewability

    Lifetime renewability option

    Cover offered

    Hospital Confinement Benefit – Daily Allowance to help support financial requirements arising out of hospitalization

    Intensive Care Benefit – Twice the Daily Allowance amount for intensive care unit admissions

    Convalescence Benefit – When hospitalization extends for more than 21 days, this benefit is paid out as per the policy schedule

    Discount

    • 2 year premium payment as advance will attract 10% discount
    • 3 year premium payment in advance will attract 15% discount
    • 5% 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

    The following exclusions are in effect:

    • 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.

    *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.

    Other Health Insurance Plans from Universal Sompo:

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