Universal Sompo Hospital Cash Insurance Plan

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.

Check Your Eligibility

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 1^st 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.

Also Read: How to File a Claim with Universal Sompo?

Universal Sompo Hospital Cash Insurance Plan

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