A complete health insurance package with added features by Universal Sompo General Insurance Company Ltd

This policy provides comprehensive coverage that can be renewed indefinitely. It offers a wide range of Sum Insured options, up to Rs 50 Lac, at a competitive premium rate. Further, the policyholders can expect a premium waiver for the fourth year of the policy. The differentiating characteristic of the policy is a one-year waiting period for certain specific ailments along with a reduced waiting time for pre-existing diseases. Other salient features of the policy include OPD and maternity coverage along with Emergency Assistance Services that can be availed the world over.

The key features of the Complete Healthcare Insurance Product are:

• Policy Tenure: 1 Year, 2 Year, 3 Year
• Sum Insured: Wide range of Sum Insured up to Rs 50 Lac
• Plan Types: Essential, Privilege, Plus, Premier, Executive, Digi – Pro
• Entry Age: 18 Years to 75 Years, For Children – 91 Days to 25 Years
• Relationships Covered: Up to 20 relationships are covered

Base Covers:

• In-patient Treatment – Day-Care Procedures, Post Hospitalisation, Domiciliary Expenses, Organ Donor, Ambulance Charges, Pre-Hospitalisation.
• Out-PatientTreatment – Mother & Child-Care Benefit, Dental Treatment (Accident Only), Ayush Benefit, Daily Cash for Accompanying Child, Vaccination, Convalescence Benefit

• Restore Benefit – In case Insured exhausts Base Sum Insured (SI) and No Claim Bonus in a policy year, then the Company will restore SI equal to Base
• Tax benefit – under sections 80 D, 10 D 

Universal Sompo is a Joint venture of Indian Bank, Indian Overseas Bank, Karnataka Bank, Dabur Investments, and Sompo Japan Insurance Inc.

The company is headquartered in Mumbai and has 117 offices countrywide with representation through its digitally enabled employees. It has a strong distribution network of Agents, Point of salespersons, Bank Branches, Automobile Dealers, Brokers, Common Service Centres, and Digital Platforms.

The company offers 205 IRDAI-approved products, and 1494 Add-on covers, ranging from Motor, Accident & Health, Home for Individuals, Shopkeepers Package, Crop and other non-life packages for SMEs, Fire, Marine, Engineering, Employee’s Benefit, Project Insurance, Liability, and other special products for Corporates. Microinsurance covers the Rural segment.

The company maintains its Claims settlement ratio at 98.27% and has robust technology architecture to serve its customers nationwide.

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