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Universal Sompo Hospital Cash Health Insurance Plan

Universal Sompo Hospital Cash Health Insurance Plan - This is a policy that provides a cash benefit in case of hospitalization so that there is no drainage on the savings of the insured and his or her family. The features are as follows:

  • Hospital Confinement benefit – where a daily allowance is paid upon normal hospitalization (other than ICU) for a maximum number of days as chosen by the insured at the time of policy commencement.
  • Intensive Care Benefit – The amount as chosen by the insured for the Hospital Cash Benefit will be doubled in case of the Intensive Care Benefit when the insured person or their family member is hospitalized in the ICU.
  • Convalescence Benefit – Rs. 10,000 is paid if the insured person is hospitalized or their family member is hospitalized for more than 21 days.
  • The policy can be bought for one to three years by paying a single premium
  • A family discount of 5% is provided.

Eligibility - Universal Sompo Hospital Cash Health Insurance Plan

  • Any Indian resident individual is between the ages of 18 to 65 years with lifetime renewal.
  • Children between the ages of 6 years and 25 years are covered as long as the parents are insured.
  • Policy can be taken by a individual to cover him or herself  and his or her family, that includes the spouse and two children and dependent parents
  • There is lifetime renewability on the plans

Exclusions - Universal Sompo Hospital Cash Health Insurance Plan

The policy will not cover loss, damage, illnesses or diseases that arise due to the following:

  • Pre-existing diseases will not be covered under this plan until 48 months of continuous coverage has lapsed
  • Any accident that results from intentional self injury, suicide or when the insured individual is under the influence of alcohol or drugs
  • When the insured individual dies or suffers from permanent disablement while taking part in adventure sports or while travelling in an aircraft in any capacity other than a fare paying passenger in a schedule flight
  • Dental treatment is not covered
  • Circumcision, cosmetic and aesthetic treatments are not covered
  • Any treatment that is not performed by a physician or treatments of experimental nature.

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