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Universal Sompo Hospital Cash Insurance Plan

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This is a hospital cash policy that provides the insured with daily allowance when admitted into a hospital for treatment. This health insurance 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.

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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.

Find cashless network hospitals nearby: Universal Sompo Cashless Network Hospitals

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

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GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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