Complete Healthcare Insurance

Universal Sompo Complete Healthcare Insurance is a comprehensive health insurance plan that takes care of your medical bills during the time of hospitalization. The policy enables the policyholder to buy family floater health insurance plans and add up to 5 family members and can increase the number up to 20. The Universal Sompo Complete Health Insurance Brochure can be downloaded from the link given below on this page and you can read all the unique features the policy provides.

With a healthy and reliable claims settlement ratio of 95.77%, Universal Sompo emphasizes transparency and exceptional customer service.

Features of Complete Healthcare Insurance Universal Sompo

The Universal Sompo Health Care Plan offers a multitude of advantages that ensure policyholders are well-protected against various medical expenses. Let us have a look at the features of the plan:

• In-patient Hospitalization

  The policy covers expenses for hospitalization due to disease, illness, or injury during the policy period that requires an insured person's admission to a hospital as an inpatient.

• Medical Expenses Coverage

  Complete Healthcare Insurance Universal Sompo covers medical expenses directly related to hospitalization, including room rent, boarding expenses, nursing services and many more.

• Day Care Procedures

  The plan also covers medical expenses for any daycare procedures where the insured person undergoes a procedure or surgery as an inpatient for less than 24 hours in a hospital or standalone daycare centre.

• Pre-Hospitalization Coverage

  The medical expenses incurred will be paid within 30 days of hospitalization, the person only has to submit all medical documents containing details about the illness and the proposed date and place of hospitalization at least 5 days before the hospitalization.

• Post-Hospitalization Coverage

  The medical expenses incurred will be reimbursed within 60 days of hospitalization, the person only has to submit all documents at least 5 days after the hospitalization.

• Restore Benefit

  If the base Sum Insured and No Claim Bonus (if any) are exhausted due to claims made and paid during the policy year, a Restore Sum Insured equal to 100% of the base sum insured will be automatically available for that particular policy year.

• Cumulative Bonus

  For every claim-free year, a Cumulative Bonus of 10% of the Sum Insured is applicable and will accumulate up to 50% of the Sum Insured for up to 10 lacs of Base SI. The maximum cumulative bonus should not exceed 100% of the Inpatient Sum Insured.

• Health Check-up

  The policy covers the reimbursement of the cost of a preventive health check-up for the insured person who was covered during the previous policy year. The coverage limits for health check-ups vary based on the Sum Insured chosen. No health check-ups up to the age of 55.