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  • Universal Sompo Senior Citizen Health Care Plan

    Universal Sompo Health Insurance

    The Senior Citizen Health Care plan offered by Universal Sompo is a plan that can only be taken by those who are of an age between 60 and 70 years. The plan offers itself to individuals as well as those looking for a family floater plan and can offer a maximum of Rs. 5 lakhs as cover. It even offers discounts on the premiums paid if they are paid for tenures of 2 or 3 years at a stretch. The policy also covers domiciliary treatment and will also cover pre and post hospitalisation expenses.

    Features and Benefits of Universal Sompo Senior Citizen Health Care:

    Listed below are the features and benefits of this policy:

    Eligibility

    • Minimum age of entry: 60 years
    • Maximum age of entry: 70 years
    • The applicant must be a permanent resident of India

    Basis

    Individual and family floater basis

    Renewability

    Lifetime renewal is available with this policy

    Sum Insured

    Can start from Rs. 1 lakh and go to a maximum of Rs. 5 lakh for each, hospitalization and diagnosis of any illnesses of a critical nature

    Policy term

    You can opt for a policy term of 1 year to 3 years

    Discounts

    • Policies taken for 2 years and premiums paid in advance for 2 years will receive a discount of 10% on the premium
    • Policies taken for 3 years and premiums paid in advance for 3 years will receive a discount of 15% on the premium

    Cover offered

    This policy will cover the list as mentioned below:

    • In-patient treatment for expenses related to room charges, boarding, nursing expenses, doctor‘s fees, anaesthesia, blood, oxygen, intensive care unit charges, medicines, drugs, operation theatre charges etc. for a minimum of 24 hrs
    • For hospitalization that is less than 24 hrs, the policy also covers day care treatment for procedures and surgeries
    • Domiciliary hospitalization expenses are covered under the policy
    • Pre hospitalization with relevant expenses incurred 30 day prior to you being hospitalised will be covered
    • Post hospitalization wherein follow up visits, medication, other tests required to be done will be covered for up to 60 days
    • Cost of the ambulance service, to a maximum of Rs. 1,500
    • Expenses for the person accompanying you up to a maximum of 1% of the sum insured
    • Donation for organ transplant, wherein all expenses related to you and the donor are covered under this policy
    • Bone marrow transplant, Multiple Sclerosis and any persisting symptoms related are covered in this policy
    • Stroke and its related symptoms are covered
    • Open heart surgery for coronary bypass

    Benefits

    The benefits under this policy are:

    • You will be provided a free look period which will be a maximum of 15 days from the date of receipt of the policy
    • You will be eligible for tax benefits as per Section 80D of the Income Tax Act, 1961.
    • A discount of 10% will be provided for opting to add your spouse under the individual policy
    • If hospitalisation is sought in a network hospital than you won’t have to pay anything
    • Cumulative bonus will be offered subject to no claims, and the sum insured will increase by 5% up to a maximum of 10% for each no claim years
    • Grace period of 30 days is provided under this policy

    Exclusions

    • Instances of hospitalization within the waiting period will not be eligible
    • Waiting period will be a 30 days period
    • Any pre-existing diseases will not be covered for a period of 2 years or 24 months
    • Within the first 2 years of the policy these treatments will not be covered, Cataract, Hernia, Hydrocele of all types, Myomectomy, Hysterectomy if not malignant, Gastric and Duodenal erosions ulcers, Arthritis, gout, rheumatism, etc. Please look into the policy details for the complete list
    • Any self inflicted injury which results in hospitalization, disablement, or even death
    • Any health issues caused by war or through exposure to radiation or nuclear material
    • any cosmetic surgery, plastic surgery, circumcision etc are not covered
    • Alternate treatments of all kinds

    This information is only indicative of the features of this policy and should not be taken as sacrosanct. Please refer to the policy document before investing.

    Other Health Insurance Plans from Universal Sompo:

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