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Complete Healthcare Insurance
Universal Sompo Complete Healthcare Insurance is a comprehensive health insurance plan that takes care of your medical bills during the tim…
- Restoration Benefit
- Second Medical Opinion
- 3 Variants
Universal Sompo Maternity Health Insurance
Maternity is one of the most celebrated joys for people anywhere in this world, but the rising cost of maternity can be very challenging for many.
Then what is the solution for it? Getting suitable insurance like Universal Sompo maternity health policy that covers all kinds of maternity-related expenses, newborn baby care expenses, and other basic healthcare costs like ambulance, hospitalization, delivery, and so on.
If you are here, it means you were searching for a health plan covering maternity expenses. So, let us tell you that Universal Sompo maternity plans come in three variants- Basic, Essential, and Privilege. But before investing in such a maternity health policy, read all the aspects like eligibility, benefits, inclusions and exclusions of the maternity health plan.
Eligibility Criteria for Universal Sompo Maternity Health Policy
| Eligibility Criteria | Specifications |
| Entry age | Child: 91 days - 25 years Adult: 18 - 45 years |
| Sum insured | 3 - 10 Lakhs |
| Plan type | Individual/Family floater |
| Policy period | 1/2/3 year/s |
| Renewability | Lifelong (upto specified age of maternity cover eligibility) |
| Waiting period | 2 years* |
*The waiting period for maternity cover may differ from plan to plan, it’s suggested to check your maternity waiting period at the time of policy purchase.
What does Universal Sompo Health Insurance for Maternity cover?
| Specifications | Coverage extent |
| Maternity cover | Privilege and Essential plans of Universal Sompo cover normal and C-section deliveries upto the specified limits. |
| Newborn baby cover | Your newborn is covered upto the base sum insured after birth to pre and post-natal care. |
| Vaccination charges | An animal bite is covered (for instance, the 1st-year vaccination charge of the newborn is also covered). |
| Pre-hospitalization | Covers hospitalization expenses from before 30 days of getting hospitalized. |
| Post-hospitalization | Covers for 60 days of hospitalization care after getting discharged. |
| Cumulative bonus | Get rewarded with a premium discount and multiplied sum insured limit on every claim-free year as per the policy schedule. |
| Domiciliary hospitalization | If the mother needs additional care at home, the insurer might cover the home care treatment expenses based on maternity care. |
| Health check-ups | You can avail of the routine health check-up based on the limits and specifications mentioned in your policy documents. |
What are the exclusions of Universal Sompo Health Insurance for Maternity?
- Artificial life support or lifestyle assistance
- Intoxicating alcohol or drug abuse treatment
- Self-inflicted injury
- Weight management or obesity treatment
- Eyesight/vision aids, hearing aid support or anything related
- Sterility or infertility treatment
- Cosmetic surgery unless it was an accidental injury
Others, as specified in your policy documents. Please check your policy’s terms and conditions before investing in it.
Summary
Universal Sompo health insurance for maternity covers all the medical expenses occurring before or after pregnancy. It also covers any related costs of the newborn and the insured mother.
When you can get covered for the most special moment of your life, pregnancy, why wait to lose all your savings on that? Get covered with the Essential and Privilege plans to enjoy your maternity phase at its fullest.
Call us at 1800 4200 269 for more information on the same or to get your queries resolved.
