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A Plus Health Insurance
Health is our greatest asset. With the rising costs of medical treatment and hospital bills, you need comprehensive health insurance to protect you and your loved ones. That’s where A Plus Health Insurance from Universal Sompo comes in.
This health insurance plan protects you and your loved ones by allowing you to receive the best healthcare without the stress of hefty medical bills. Whether it’s a sudden illness or a planned medical procedure, A Plus Health Insurance provides you with the financial support you need so you can focus on what matters most—getting better.
Why you should buy
Healthcare Insurance from us
Tailor-made Plans
Affordable Premium
Flexible Sum Insured
Wide Hospital Network
Cover Highlights For You And Your Loved Ones
Cover Highlights
Domiciliary
Treatment
100% Auto restoration
of sum insured
No Sublimit
on Room Rent
Wellness Services with rewards
Benefits of A Plus Health Insurance
You get numerous advantages when Here are some perks that you should know of:
Comprehensive coverage
AOne of the primary benefits of A Plus Health Insurance is its extensive coverage for various medical expenses, including:
- Hospitalisation
- Pre-hospitalisation costs up to 90 day
- Post-hospitalisation costs of up to 180 days
- Day-care procedures
- AYUSH treatment
- Domiciliary treatment
- Ambulance cover
- OPD treatment
- and more
Hence, you are financially secure at every stage of your medical journey.
Cashless hospitalisation
With a vast network of partner hospitals, the A Plus Health Insurance plan provides the convenience of cashless hospitalisation. This means you don’t have to stress about paying out of pocket in a medical emergency. Just walk into one of the hospitals of your insurance company, show your policy details, and they will take care of the rest. Your focus remains on recovery, not on paperwork.
No room rent limit
A common worry during hospitalisation is the extra cost of choosing a suitable hospital room. With A Plus Health Insurance, you don’t have to compromise. The plan provides coverage for hospital rooms without any capping on rent. Hence, you can choose the room you’re most comfortable with.
Coverage for daycare procedures
Modern medicine has advanced, allowing many treatments to be completed within a single day. Our A Plus Health Insurance Plan covers various daycare procedures that don’t require an entire 24-hour hospital stay, such as dialysis, chemotherapy, and minor surgeries.
Health checkups and preventive care
Prevention is better than cure, and Universal Sompo recognises that. Our plan offers routine health checks of up to ₹5,000 at no extra cost. Regular health check-ups can help in discovering health issues earlier on so that you may respond in a timely manner and save you from further higher medical expenses.
Affordable premiums
When people hear ‘insurance,’ they often worry about the cost. However, A Plus Health Insurance is affordable for families of all sizes. With flexible premium options, you can choose a plan that fits your budget without compromising the protection you need.
Tax benefits
Premiums paid towards your A Plus Health Insurance are eligible for tax deductions of up to ₹75,000 under Section 80D of the Income Tax Act. So, this plan not only protects your health but also allows tax savings.
No claim bonus
A Plus Health Insurance encourages you to maintain good health by rewarding you with higher coverage. It rewards you with a No Claim Bonus (NCB) if you don’t file any claims during a policy year. It means your coverage amount will increase for the next year without any increase in your premium.
The Right Plan For A Healthier You
- Inpatient Hospitalization
- Pre-Hospitalization
- Post-Hospitalization
- Day Care Procedures
- AYUSH Treatment
- Domiciliary Treatment
- Second Opinion
- Ambulance Cover
- Auto Restore Benefits
- OPD Expenses
- Global Cover
- Psychiatric illness
- Organ Donar
- Assistance Services
- Wellness Services and Rewards
- Silver(5 Lakh to 1 Crore)
- Up to Sum Insured
- 60 days
- 120 days
- 546
- Up to Sum Insured
- Up to Sum Insured
- covered Up to Rs. 2500
- covered Up to Rs. 2500
- Up to Sum Insured
- Not covered
- Not covered
- 25% of Base Sum Insured
max up to 5 Lakhs - Up to Sum Insured
- Gold(5 Lakh to 1 Crore)
- Up to Sum Insured
- 60 days
- 180 days
- 546
- Up to Sum Insured
- Up to Sum Insured
- covered Up to Rs. 5000
- covered Up to Rs. 5000
- Up to Sum Insured
- Not covered
- Not covered
- 25% of Base Sum Insured
max up to 5 Lakhs - Up to Sum Insured
- Diamond(5 Lakh to 1 Crore)
- Up to Sum Insured
- 90 days
- 180 days
- 546
- Up to Sum Insured
- Up to Sum Insured
- covered Up to Rs. 10,000
- covered Up to Rs. 10,000
- Up to Sum Insured
- 10% of Base Sum Insured
max to Rs. 20,000 - Up to Sum Insured
- 25% of Base Sum Insured
max up to 5 Lakhs - Up to Sum Insured
- Silver(5 Lakh to 1 Crore)Gold(5 Lakh to 1 Crore)Diamond(5 Lakh to 1 Crore)
In-Patient Hospitalization
- Up to Sum InsuredUp to Sum InsuredUp to Sum Insured
Pre Hospitalization
- 60 Days60 Days90 Days
Post Hospitalization
- 120 Days180 Days180 Days
Day care procedures
- 546 546 546
AYUSH Tretment
- Upto Sum insuredUpto Sum insuredUpto Sum insured
Domiciliary Tretment
- Upto Sum insuredUpto Sum insuredUpto Sum insured
Second Opinion
- covered Up to
Rs. 2500 covered Up to
Rs. 5000 covered Up to
Rs. 10,000 Ambulance Cover
- covered Up to
Rs. 2500 covered Up to
Rs. 5000 covered Up to
Rs. 10,000 Auto Restore Benifit
- Upto Sum insuredUpto Sum insuredUpto Sum insured
OPD Expenses
- No covered No covered 10% of Base Sum Insured
max to Rs. 20,000 Global Cover
- No covered No coveredUpto Sum insured
Psychiatric illness
- 25% of Base Sum Insured
max up to 5Lakhs 25% of Base Sum Insured
max up to 5Lakhs 25% of Base Sum Insured
max up to 5Lakhs Organ Donar
- Upto Sum insuredUpto Sum insuredUpto Sum insured
Assistance Services
Wellness Services and Rewards
How To Buy A Plus Health Insurance?
Buying Purchasing health insurance should be easy and stress-free. Universal Sompo makes it simple to buy A Plus Health Insurance online. Follow these steps to get started:
Visit our website.
You can purchase the policy from the comfort of your home. Simply visit our website, navigate to the A Plus Health Insurance Plan webpage, and click the “Buy Now” button.
Choose the plan.
Select an A Plus Health Insurance plan that best suits your requirements based on your budget and the level of coverage you need. You can choose from the Silver, Gold, or Diamond plans. If you’re unsure which to choose, our team can help you select.
Fill in your personal information
Next, provide some basic personal details, such as your name, age, and medical history. Don’t worry—this process is quick, and your information is confidential.
Review the terms and conditions
Before making your purchase, we recommend reviewing the terms of the A Plus Health Insurance Plan. Ensure you understand the coverage, exclusions, and any waiting periods involved.
Make payment.
Once everything looks good, proceed to make a secure payment online. We offer multiple payment options, including credit and debit cards, internet banking, and UPI. Choose the payment frequency that works best for you: annual, semi-annual, or quarterly.
Receive the policy instantly.
After the payment is made, you’ll receive an email with your policy documents. Your coverage will begin immediately, so you can rest easy knowing that you and your family are now protected. It’s that simple to buy A Plus Health Insurance.
Know What Our A Plus
Health Insurance
Offers You
Breach of law
Death or injury arising or resulting from the Insured Person committing any breach of law with criminal intent.
Want to know More?
Get all your policy related details on your fingertips.
Prospectus A Plus Health Insurance Claim Process
No one plans to fall ill. But when the unexpected happens, the last thing you want to deal with is a complicated claim process. Universal Sompo ensures that the A Plus Health Insurance claim process is as smooth as possible.
Here’s how it works:
For cashless treatment, you only need to visit a hospital that is part of our extensive network. You can focus on recovery without worrying about payments.
- Step 1: Seek treatment at a network hospital.
- Step 2: Present your policy details.
- Step 3: The hospital will send a pre-authorisation request to Universal Sompo.
- Step 4: Once approved, the hospital will proceed with the treatment, and we’ll take care of the bills directly.
If you receive treatment at a non-network hospital (where you pay the medical expenses out of pocket and claim later), the reimbursement process is also straightforward.
- Step 1: Pay for your medical treatment upfront.
- Step 2: Collect all relevant medical bills, discharge summaries, and other documents.
- Step 3: Submit these documents to Universal Sompo along with a completed claim form.
- Step 4: We’ll review your claim and reimburse you for the covered expenses per your policy’s terms.
At Universal Sompo, we pride ourselves on our quick and transparent claim process. For cashless claims, we aim to approve pre-authorisation requests within a few hours. Reimbursement claims are usually processed within 15 days. Throughout the process, we keep you informed of the status of your claim so you’re never left in the dark.
Get Claim in 3 Easy Steps
1Initiation
Set the ball rolling by requesting for cashless approval through a network hospital. Post which we evaluate and approve/reject the request.
2 Hospitalisation
After approval, go ahead with the hospitalization.
3Claim Settlement
The claim gets settled directly with the hospital upon discharge.
1Initiation
Settle the bill with the hospital and share the original documents and invoices with us.
2Verification
We authenticate the documents.
3Claim Settlement
The approved amount gets deposited in your bank account.
Tips To Reduce The Chances Of Claim Rejection
Disclose accurate information.
Ensure all personal and medical details provided during the application process are accurate. Misrepresentation or omission can lead to claim denial.
Understand policy terms.
Familiarise yourself with your policy’s inclusions, exclusions, and waiting periods. Claims for non-covered treatments or during waiting periods are likely to be rejected.
Notify the insurer promptly.
In case of hospitalisation, inform your insurer as soon as possible, preferably within the timeline specified in the policy.
Use network hospitals
dFor cashless claims, seek treatment at network hospitals to streamline the process.
Maintain proper documentation.
Submit all necessary documents, including medical bills, discharge summary, and prescriptions, accurately and on time. For complete list of documents, please visit our website.
Follow the claim process.
Adhere to the claim submission guidelines outlined in your policy to avoid unnecessary delays or rejections.
