Universal Sompo Individual Health Insurance Policy

Up to 55 years

Individual basis

Maximum of Rs.5 lakhs

There is a lifetime indemnity limit if the policy is renewed continuously

1. Room expenses
2. Nursing expenses
3. Boarding expenses
4. Specialist/surgeon expenses
5. Oxygen, blood charges etc.

2.5% lifestyle discount if falling in low risk zones, having a healthy lifestyle and who are covered under employer's group health policy

1. No medical tests till the age of 45 years. Above this age, medical test charges are reimbursed on a 50% basis.
2. Cashless hospitalization in any of the network hospitals.
3. Option to add additional cover for Critical Illness.
4. Tax exemptions as per Section 80D of the Income Tax Act, 1961.
5. Flexible premium amounts as per age and sum assured chosen.

1. Pre-existing diseases
2. Domiciliary or general hospitalization within 30 days of initiation of insurance . Accidental injuries will be covered from 1st policy day itself.
3. Cataract, hysterectomy, sinusitis, piles, prostatic hypertrophy and other related illness in the 1st policy year.
4. Injuries resulting from invasion, war or act of foreign enemy.
5. Circumcision unless for treatment of a disease.
6. Hearing aids, contact lenses, spectacle costs.
7. Dental surgery or treatment that doesn't require hospitalization.
8. Intentional self-injury, venereal diseases and alcohol/drug use.
9. AIDS and related treatments.
10. Aesthetic or cosmetic treatments.
11. Pregnancy and child birth expenses.
12. Voluntary pregnancy termination.
13. Naturopathy treatments.