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Age of the Insured
Older individuals usually attract higher premiums due to increased health risks.
Health Insurance
Come Experience Premium Healthcare Because Your Health Matters
Medical treatment can involve significant expenses, from hospitalisation and surgeries to diagnostic testss and follow-up care. Health insurance can help protect your savings by covering eligible medical expenses according to the policy terms.
A health insurance policy can also provide access to cashless treatment at network hospitals, helping you manage healthcare expenses during medical emergencies. Choosing an appropriate sum insured and understanding coverage, waiting periods, exclusions and other policy conditions can help you make an informed decision.
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With Universal Sompo, you can choose from different health insurance plans designed to meet varied healthcare needs. These include:
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Covers the policyholder’s medical expenses.
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Provides health insurance coverage for the policyholder, spouse, and dependent children and parents/ parents-in laws under a single policy, subject to the policy terms.
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Medical insurance for parents, specifically for individuals above 60 years of age.
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Pays a lump sum benefit upon diagnosis of a specified listed critical illness.
Each plan has its own set of health insurance benefits and coverage limits. Choose the plan that best suits your requirements and budget.
A top-up health insurance plan provides additional health insurance coverage once the eligible medical expenses cross a specified deductible. It can be considered when you need additional protection over and above your existing health insurance coverage.
With a health insurance plan from Universal Sompo, you can protect yourself and your family against eligible medical expenses while accessing healthcare when you need it. Here are some key benefits of health insurance:
Whether it is a sudden hospitalisation, surgery or long-term treatment, paying medical expenses out of pocket can put a strain on your savings. A health insurance policy can act as a financial buffer by covering eligible hospitalisation and treatment expenses, subject to the policy terms.
A Universal Sompo health insurance policy provides access to a network of hospitals across India, including multi-speciality and super-speciality hospitals and institutions. Depending on the policy, this can help you access healthcare services such as diagnostics, day-care procedures and specialist consultations.
Health insurance can provide cashless treatment at empanelled hospitals. Instead of paying the eligible hospitalisation expenses upfront, the insurer settles the admissible amount directly with the hospital, subject to policy terms and approval.
Health insurance doesn’t just cover inpatient treatment. It also includes:
These benefits ensure holistic coverage for the entire treatment cycle.
Policyholders can claim deductions on qualifying health insurance premiums under Section 126 of the Income Tax Act, subject to applicable tax rules, conditions and limits.
Knowing that you and your loved ones have financial protection against eligible medical expenses can help you focus on your life, career, and goals without the added worry of unexpected healthcare costs.
A Universal Sompo health insurance plan provides coverage options designed to support your healthcare needs, subject to the applicable policy terms and conditions.
A super top-up health insurance plan provides additional coverage after the eligible medical expenses exceed the specified deductible during the policy period.
Unlike a top-up plan, the deductible can be calculated based on eligible expenses incurred during the policy period, subject to the product terms.
Each health insurance plan has its own benefits, coverage limits, exclusions, and terms. Compare the available plans and choose one based on your healthcare needs and budget.
The coverage available under a health insurance policy depends on the plan and its terms and conditions. Depending on the policy, coverage includes hospitalisation, surgeries, day-care procedures, pre- and post-hospitalisation expenses and other eligible healthcare expenses.
Health insurance policies also have exclusions, waiting periods, limits and conditions. Treatments, conditions or expenses specifically excluded under the policy will not be covered. Always review the policy wording to understand the applicable coverage and health insurance exclusions before purchasing.
Buying health insurance online allows you to explore available plans, compare coverage and premiums, and select a policy based on your healthcare needs. You can also contact Universal Sompo's customer support team for assistance.
Assess your needs: Determine the health insurance coverage you require according to your family size, age, and existing medical conditions.
Compare plans: Explore different health insurance plans online and their features, benefits, and premiums.
Choose a plan: Select the plan that best suits you, your needs, and your budget.
Provide information: Fill out the proposal form and provide the required documentation.
Pay premium: Make the applicable premium payment to complete the purchase process, subject to acceptance of the proposal and applicable underwriting requirements.
You can consider the following factors when looking to manage your health insurance premium:
Buying health insurance at a younger age helps you access lower premiums, subject to the applicable pricing and underwriting terms.
A family floater can provide coverage for multiple eligible family members under one policy. Compare the premium and coverage against your family's requirements before choosing this option.
A deductible in health insurance is the amount you agree to pay towards eligible expenses before the insurer's coverage applies. A higher deductible reduces the premium.
Your health and lifestyle information will be considered during underwriting, subject to the insurer's applicable guidelines.
Choosing the right health insurance plan is a crucial financial decision that protects you and your family from rising medical expenses. With many options available, it’s essential to understand what makes a policy truly valuable.
Whether you’re buying for the first time or switching health insurance providers, here are the key factors to consider before purchasing a health insurance plan from a trusted insurer like Universal Sompo General Insurance.
Carefully assess the extent of medical coverage a policy offers. A higher sum insured is advisable for families or individuals in urban areas with significantly higher treatment costs. Ensure the plan covers hospitalisation, day-care procedures, pre- and post-hospitalisation, and critical illness.
Universal Sompo Medical Insurance offers access to an extensive cashless network of hospitals across India. Ensure your preferred hospitals are part of this list. Cashless facilities simplify the health insurance claims process, especially during emergencies when paperwork can be stressful.
All health insurance plans have a waiting period for specific conditions, such as pre-existing diseases, maternity, or specific surgeries. Opt for a policy with minimal waiting time, especially if you or your dependents have ongoing medical concerns.
A high claim settlement ratio reflects the insurer’s reliability in honouring claims. Universal Sompo has a strong track record, which builds trust and ensures you’re not left stranded during medical crises.
While affordability is important, don’t compromise on essential coverage to reduce premiums. Carefully evaluate the balance between premium cost and coverage benefits. A slightly higher premium with broader benefits may offer better long-term value.
Examine optional riders or add-ons like personal accident cover, critical illness benefits, or room rent waivers. At the same time, be clear about policy exclusions—treatments or conditions not covered by the policy.
By considering these factors and choosing a trusted insurer like Universal Sompo, you can secure a health insurance policy that meets your needs today and prepares you for tomorrow’s uncertainties. Always review the policy brochure and consult with an advisor before deciding.
As per IRDAI regulations, Know Your Customer (KYC) documents are mandatory. These include:
To verify the age and identity of the policyholder and dependents (in case of a family floater), you may need:
Depending on the product and underwriting requirements, proof of income may be requested. Documents may include:
The application requires a self-declaration of current health status. Sometimes, a medical test or doctor's report will be requested, especially for senior citizens or those with pre-existing conditions.
Keep the required documents ready to complete your health insurance application online. The documents required may vary depending on the policy, applicant and underwriting requirements.
Optional health insurance add-ons, , provides additional benefits that can be added to a base health insurance policy, subject to the applicable plan terms. They allow you to customise your coverage based on your healthcare needs.
This add on covers eligible hospitalisation expenses related to childbirth, including pre- and post-natal care, subject to the applicable policy terms. It may also provide newborn baby cover for a specified period.
This add-on provides a lump-sum benefit on diagnosis of specified critical illnesses covered under the policy, subject to the applicable terms and conditions.
This add-on covers eligible outpatient expenses such as doctor consultations, diagnostic tests and medicines, subject to the applicable policy terms and limits.
This add-on provides a fixed daily allowance during eligible hospitalisation, which can help meet incidental expenses such hospitalisation-related incidental expenses, subject to the applicable policy terms.
Understanding how your health insurance premium is calculated can help you choose a policy that balances coverage and affordability. Your premium depends on factors such as age, location, sum insured, medical history, policy type and selected add-ons.
Older individuals usually attract higher premiums due to increased health risks.
Healthcare costs vary by city. Urban areas like Mumbai or Delhi may have higher premiums than smaller towns.
Higher coverage means more protection and a higher premium.
Pre-existing conditions or lifestyle habits like smoking may increase your premium.
Individual plans, family floaters, and add-ons like maternity or critical illness cover can also impact your overall premium.
Use the calculator to get a premium estimate based on the information you provide and make an informed decision before buying your policy online.
Calculate PremiumRenewing your health insurance policy on time helps maintain continuity of coverage and applicable policy benefits. Universal Sompo provides an online process to renew your health insurance policy.
Health insurance policies are typically valid for one year. You can start the medical insurance renewal process 30 to 45 days before the policy expiry. The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases. Provided the insurers shall offer coverage during the grace period, if the premium is paid in installments during the policy period.
Visit the Universal Sompo Health Insurance page.
Click on the "Renew Now" button.
Enter your policy number.
Review your existing plan details and, in case of change, connect with the support team.
Sum insured enhancement can be done subject to underwriting.
Pay securely online using the available payment options.
Receive policy confirmation and download your renewed policy.
Premium Features
Standard Features
Additional Benefits - Hospital Daily Cash (for accompanying an Insured child)
Inpatient Hospitalization
Day Care Treatment
Additional Sum Insured- Accidental Hospitalization
Mother and Child Care
Wellness Package
Road Ambulance Charges
Additional Benefits - Hospital Daily Cash (for accompanying an Insured child)
Comparing health insurance plans can help you identify a policy that matches your healthcare requirements and budget. Look beyond the premium and compare the sum insured, coverage, waiting periods, exclusions, co-pay, deductibles, sub-limits, No Claim Bonus and restoration benefits.
Consider the following before choosing a plan:
Eligible health insurance policyholders will be able to claim deductions for qualifying health insurance premiums under Section 126 of the Income Tax Act, subject to applicable tax rules, conditions and limits.
Section 126 provides for deductions on eligible health insurance premiums, subject to the applicable provisions of the Income Tax Act. The deduction available depends on factors such as the age of the insured individuals and the persons covered by the premium payment.
Mediclaim is a type of health insurance policy. The coverage and benefits available under a policy depend on its specific terms and conditions.
Mediclaim policies cover hospitalisation expenses, while health insurance policies may provide broader coverage, including pre- and post-hospitalisation expenses, outpatient treatments, preventive care, critical illnesses and other specified benefits, depending on the policy.
Mediclaim policies do not cover ambulance charges, but health insurance policies do cover them up to a limit.
Health insurance plans offer greater flexibility and can include additional benefits depending on the policy.
Sum insured is the maximum amount of coverage available under a health insurance policy, subject to the policy terms, conditions, exclusions and applicable limits.
Co-payment, or co-pay, is the percentage or specified portion of an eligible claim amount that the policyholder is required to pay, while the insurer pays the remaining admissible amount, subject to the policy terms.
Previous medical conditions should be disclosed when applying for health insurance. Depending on the condition and policy terms, a pre-existing illness will be covered after an applicable waiting period, subject to permanent exclusions or additional premium requirements.
Note – Eligibility limits mentioned above is from Universal Sompo’s A Plus Health Insurance Product.
