Get Complete Protection For
Complete Healthcare Insurance
When it comes to protecting your health and the well-being of your family, having the right coverage is important—especially in today’s fast-paced world, where health is often compromised due to hectic lifestyles. Complete Healthcare Insurance from Universal Sompo provides you with comprehensive protection against unexpected medical expenses. Whether it’s an emergency hospitalization or Hospitalisation for, Medical Management or Surgical management which may include Doctor charges, Room Rent- Bed charges/ICU Charges, Medicine Cost, Investigation cost, Operation theater cost and Nursing charges, the Complete Healthcare Insurance policy delivers the peace of mind you deserve.
When you buy complete healthcare insurance, you are not just investing in financial protection but also ensuring access to quality healthcare when it matters the most. This all-inclusive health insurance takes care of Hospitalisation expenses due to Seasonal Diseases to life-critical treatments, allowing you to focus on recovery rather than the bills.
Don’t let health uncertainties disrupt your life—protect yourself and your loved ones with a Complete Healthcare Insurance policy from Universal Sompo to get more than just basic coverage.
Benefits of Complete Healthcare Insurance
Here’s why you should buy complete healthcare insurance from Universal Sompo:
01. Comprehensive Coverage for Medical Expenses
Healthcare costs in India are on the rise. From regular check-ups to unexpected hospital stays, medical expenses are bound to strain your wallet. Our complete health insurance plan covers you for all treatments, including consultation with doctors, diagnostic tests, and post-hospitalization care. For example, if you undergo surgery, all ancillary costs—like room rent, ICU charges, and medical tests—are covered under the policy.
Here are some coverage highlights of the Complete Healthcare Insurance policy from Universal Sompo –
Domiciliary Expense
If a patient cannot be moved to a hospital due to severe health conditions or a lack of available beds, the policy covers treatment administered at home subject to policy terms & conditions.
Global Cover
Global cover provides coverage for Medical Expenses of the Insured Person incurred outside India provided that the diagnosis was made in India and referred by Medical Practitioner from India and for which the insured member(s) travels abroad for treatment. The Medical Expenses payable shall be limited to Inpatient and day care Hospitalization.
Modern Treatment
It covers Modern treatment /procedures, like robotic surgery, stem cell therapy, and Oral Chemotherapy, under complete health insurance.
Wellness Benefits
The policy encourages preventive healthcare by offering wellness programs, including health check-ups and fitness incentives.
Mother and Child Care
Benefits are designed especially for families planning to have children. For instance, if a policyholder chooses to receive maternity care, all costs incurred for prenatal care, delivery, and postnatal care for both mother and child can be claimed under the policy.
07. Financial Security During Hospitalization
Hospital stays can be pretty expensive. With the full scope of hospitalization expenses taken care of, from admission to discharge, it ensures that you receive good care without worrying about money.
02. Stress-Free Treatment
With our cashless hospitalization feature, you would never have to worry about money in case of a medical emergency. You can, for instance, visit the most convenient hospital in our extensive network to be treated, and we will pay the hospital directly. So, if you need immediate treatment for an accident, this benefit will make sure that your focus remains on recovery rather than payments.
03. Coverage for Pre-Existing Diseases
Many individuals worry about pre-existing diseases when purchasing insurance. Our complete healthcare insurance policy includes coverage for these conditions after a specified waiting period. For instance, if you have diabetes, after the waiting period has elapsed, all related hospitalisation treatment will be covered under policy
04. Flexible Sum Insured Options
Universal Sompo offers various coverage amounts, allowing you to choose a sum insured is adequate as per your healthcare needs and budget. Whether you prefer a basic plan for minor ailments or a higher sum for critical illnesses, we have got you covered.
05. Swift Claim Process
Our claims procedure is straightforward. The settlement is also simple and quick, regardless of whether you decide on cashless hospitalization or reimbursement. For instance, if you choose reimbursement, submit your documents, and the approved amount will be credited to your bank account promptly.
06. Protect Your Entire Family
By opting to buy complete health care insurance, you ensure that your loved ones are safeguarded too. Our family floater options provide a single sum insured for all members, making it an economical choice for families.
Invest in your health today by choosing the Complete Healthcare Insurance policy with Universal Sompo and secure a brighter, healthier future.
How To Buy Complete Healthcare Insurance?
Buy or renew your Purchasing complete healthcare insurance safeguards your family’s health and financial well-being. With the rising costs of medical treatment, having a comprehensive health insurance plan prepares you to handle unforeseen medical expenses without stress.
Here’s a step-by-step guide to help you easily buy complete healthcare insurance :
Assess Your Needs
Before selecting a complete healthcare insurance policy, take stock of your family’s health requirements. Consider factors such as age, existing health conditions, and lifestyle. For example, if a family member has pre-existing diseases like diabetes, you will want a policy that provides coverage for it after the waiting period.
Determine the Coverage Amount.
Choosing an appropriate coverage amount is essential. This refers to the maximum amount your policy will cover in a year. If you live in a metro city, where healthcare costs are higher, you may need a higher sum insured. For instance, a policy with ₹10 lakhs and more coverage might be suitable for a family of four. Universal Sompo offers you the option to choose a coverage amount of up to ₹50 lakhs.
Compare Different Plans
Not all complete health insurance plans are created equal. Compare policies based on benefits, premium amounts, and additional features like cashless hospitalization. Complete Healthcare Insurance from Universal Sompo offers flexible coverage options, a wide network of hospitals, and comprehensive benefits. You can choose from the following plans:
- A) Plus
- B) Premier
- C) Executive
- D) Privilege
- E) Essential
Check for Cashless Hospitalization
Opt for a policy that offers cashless hospitalization at network hospitals. This allows you to receive treatment without paying out-of-pocket. For example, if you’re admitted for surgery, you can simply inform the insurance provider and the hospitalization expenses will be settled directly.
Understand What’s Covered and What’s Not.
A robust complete healthcare insurance covers major medical expenses, including surgeries, room rent, and medical tests. There can be exclusions like cosmetic treatments and injuries due to adventure sports. Review the policy to know these beforehand.
Fill Out the Application.
Once you’ve finalized your policy, fill out the application form online or offline. Provide accurate details about your health and any pre-existing diseases.
Complete Medical Tests (If Required).
Some plans may require a health check-up before approval, especially if you’re above a certain age or have existing conditions. These medical tests help determine your risk level and premium.
Pay the Premium.
The final step is paying the premium. Once done, your complete healthcare insurance policy will be activated, providing you with financial security and peace of mind.
When you buy complete healthcare insurance with Universal Sompo, the process is simple and hassle-free. Secure your family’s future today!
Why you should buy
Healthcare Insurance from us
Tailor-made Plans
Affordable Premium
Flexible Sum Insured
Wide Hospital Network
Cover Highlights
Domiciliary Expense
Global Cover
Modern Treatment
Wellness Benefit
Mother And Child Care
The Right Plan For A Healthier You
- In-Patient Hospitalization
- Pre-Hospitalization
- Post-Hospitalization
- Day care
- Organ Donar
- Daily Cash
- Ambulance Cover
- Domiciliary Hospitalization
- Premier(25 to 30 Lakhs)
- Up to Sum Insured
- 30 days
- 60 days
- Up to Sum Insured
- Rs.2000 per Day subject to maximum of Rs 60,000
- Up to 1% SI or Rs. 10000/
Hospitalization - Up to 20% SI
- Executive(40 to 50 Lakhs)
- Up to Sum Insured
- 30 days
- 60 days
- Up to Sum Insured
- Rs.5000 per Day subject to maximum of Rs 1,50,000
- Up to 1% SI or Rs. 25000/
Hospitalization - Up to 20% SI
- Digi-Pro(4 to 10 Lakhs)
- Up to Sum Insured
- 30 days
- 60 days
- Up to Sum Insured
- NA
- Up to 1% SI or Rs. 3000/
Hospitalization - Up to 20% SI
- Essential(4 to 5 Lakhs)
- Up to Sum Insured
- 30 days
- 60 days
- Up to Sum Insured
- Rs 300 per day subject to maximum of Rs 9,000
- Up to 1% SI or Rs. 2000/
Hospitalization - Up to 20% SI
- Privilege(6 to 10 Lakhs)
- Up to Sum Insured
- 30 days
- 60 days
- Up to Sum Insured
- Rs 500 per day subject to maximum of Rs 15,000
- Up to 1% SI or Rs. 3000/
Hospitalization - Up to 20% SI
- Plus(15 to 20 Lakhs)
- Up to Sum Insured
- 30 days
- 60 days
- Up to Sum Insured
- Rs.1000 per Day subject to maximum of Rs 30,000
- Up to 1% SI or Rs. 5000/
Hospitalization - Up to 20% SI
Plus
Sum insured - 15 to 20 Lakhs
In-Patient Hospitalization
Up to Sum Insured
Pre-Hospitalization
30 days
Post-Hospitalization
60 days
Day care
Organ Donar
Up to Sum Insured
Daily Cash
Rs.1000 per Day subject to maximum of Rs 30,000
Ambulance Cover
Up to 1% SI or Rs. 5000/
Hospitalization
Domiciliary Hospitalization
Up to 20% SI
Premier
Sum insured - 25 to 30 Lakhs
In-Patient Hospitalization
Up to Sum Insured
Pre-Hospitalization
30 days
Post-Hospitalization
60 days
Day care
Organ Donar
Up to Sum Insured
Daily Cash
Rs.2000 per Day subject to maximum of Rs 60,000
Ambulance Cover
Up to 1% SI or Rs. 10000/
Hospitalization
Domiciliary Hospitalization
Up to 20% SI
Executive
Sum insured - 40 to 50 Lakhs
In-Patient Hospitalization
Up to Sum Insured
Pre-Hospitalization
30 days
Post-Hospitalization
60 days
Day care
Organ Donar
Up to Sum Insured
Daily Cash
Rs.5000 per Day subject to maximum of Rs 1,50,000
Ambulance Cover
Up to 1% SI or Rs. 25000/
Hospitalization
Domiciliary Hospitalization
Up to 20% SI
Digi-Pro
Sum insured - 1 to 10 Lakhs
In-Patient Hospitalization
Up to Sum Insured
Pre-Hospitalization
30 days
Post-Hospitalization
60 days
Day care
Organ Donar
Up to Sum Insured
Daily Cash
NA
Ambulance Cover
Up to 1% SI or Rs. 3000/
Hospitalization
Domiciliary Hospitalization
Up to 20% SI
Basic
Sum insured - 1 to 2 Lakhs
In-Patient Hospitalization
Up to Sum Insured
Pre-Hospitalization
30 days
Post-Hospitalization
60 days
Day care
Organ Donar
Up to Sum Insured
Daily Cash
NA
Ambulance Cover
Up to 1% SI or Rs. 1000/
Hospitalization
Domiciliary Hospitalization
Up to 20% SI
Essential
Sum insured - 3 to 5 Lakhs
In-Patient Hospitalization
Up to Sum Insured
Pre-Hospitalization
30 days
Post-Hospitalization
60 days
Day care
Organ Donar
Up to Sum Insured
Daily Cash
Rs 300 per day subject to maximum of Rs 9,000
Ambulance Cover
Up to 1% SI or Rs. 2000/
Hospitalization
Domiciliary Hospitalization
Up to 20% SI
Privilege
Sum insured - 6 to 10 Lakhs
In-Patient Hospitalization
Up to Sum Insured
Pre-Hospitalization
30 days
Post-Hospitalization
60 days
Day care
Organ Donar
Up to Sum Insured
Daily Cash
Rs 500 per day subject to maximum of Rs 15,000
Ambulance Cover
Up to 1% SI or Rs. 3000/
Hospitalization
Domiciliary Hospitalization
Up to 20% SI
For more details about plans and features, kindly Refer Product Documents.
Know What Our Complete
Healthcare Insurance
Offers You
Dental Treatment
The treatment of any dental injury arising directly as a result of an accident is covered under this plan up to the Sum Insured.
Cumulative Bonus
Cumulative Bonus is the bonus or a reward that a policyholder gets for remaining fit and not filing a claim in a Policy Year.
Vaccination
It is a primary step for healthy living and prevention.
Addictions and substance abuse
Suicide & Breach of law
Refractive Error
Cosmetic treatment
Hazardous or Adventure sports
Unproven Treatments
Want to know More?
Get all your policy related details on your fingertips.
Policy Wording 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.
Complete Healthcare Insurance Claim Process
When you choose to buy complete health care insurance from Universal Sompo, you are not only securing a comprehensive policy but also ensuring that you and your family are protected in times of medical need. Understanding the claim process helps you easily access the benefits of your complete healthcare insurance policy when required.
Universal Sompo offers two types of claim settlement methods: cashless hospitalization and reimbursement. Here’s a detailed look at both processes to help you understand how to make a claim under your complete healthcare insurance plan.
Cashless Hospitalization
One of the most convenient features of your complete health insurance plan is cashless hospitalization. This allows you to get medical treatment without worrying about upfront payments, as the insurer settles the bill directly with the hospital.
For example, let’s say a policyholder needs surgery due to an accident. They can directly admit themselves to a network hospital, and after getting the necessary approval from Universal Sompo, the hospital bill is settled without the need to pay upfront.
Step 1: Initiate a Request
If you need hospitalization for a covered medical condition, contact the insurance company to request cashless approval. Ensure you do this before hospitalization to avoid any issues.
Step 2: Hospitalization
Once approved, you can proceed with admission at one of the network hospitals. These hospitals are partnered with Universal Sompo and can provide cashless treatment.
Step 3: Claim Settlement
After you have received your medical care, the insurance provider will settle the hospitalization expenses directly with the hospital, leaving you without any financial burden for treatment.
Reimbursement Process
In cases where cashless hospitalization is not available, you can opt for reimbursement. This process requires the policyholder to pay for medical expenses initially, and then submit the necessary documents to the insurance company for reimbursement.
For example, let’s say a policyholder needs surgery due to an accident. They can directly admit themselves to a network hospital, and after getting the necessary approval from Universal Sompo, the hospital bill is settled without the need to pay upfront.
Step 1: Initiate the Claim
After receiving treatment, pay the hospital bill and collect all relevant documents, such as medical tests, bills, and prescriptions.
Step 2: Submit Documents
Share the original bills and medical records with Universal Sompo for verification. This includes details of medical tests, prescriptions, and other relevant medical records.
Step 3: Verification.
The insurance company will verify the documents to ensure that the medical tests and treatment align with the terms of your complete healthcare insurance coverage.
Step 4: Claim Settlement.
Once the documents are verified, the insurer will process the claim and transfer the coverage amount to the policyholder’s bank account.
Pre-authorization and Emergency Claims
For emergencies, pre-authorization can be done over the phone or online, even before you are admitted to the hospital in case of planned surgical procedure. This will allow quick processing, ensuring your hospitalization expenses are covered without delay. If the claim is approved, you can move forward with the treatment, and the settlement will be made directly with the hospital.
Complete Healthcare Insurance plans from Universal Sompo offer you comprehensive protection, covering all hospitalization expenses and many essential treatments. Always be sure to read your policy carefully to understand your specific coverage amount and exclusions.