Healthcare Insurance
Come Experience Premium Healthcare Because Your Health Matters
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I want to buy Health Insurance for
Plan Highlights
- Additional Sum Insured- Critical Illness Hospitalization
- Additional Sum Insured- Accidental Hospitalization
- Mother and Child Care
- Wellness Package
96%Our Claim Settlement Ratio is 96% consistently for last 3 years
I want to buy Health Insurance for
Plan Highlights
- 100% Auto restoration of sum insured in case of complete or partial utilization of sum insured
- Cumulative Bonus - 50% of Base maximum up to 200% *
- Wellness services with Rewards
- Global Cover - Applicable only for Diamond plan
96%Our Claim Settlement Ratio is 96% consistently for last 3 years
What is Health Insurance?
Health insurance is a financial contract between you and a health insurance provider that helps cover the cost of medical expenses. You purchase health insurance by paying the premium to the health insurance company. In return, the insurance company covers medical expenses up to the sum insured when you make a claim. It can provide reimbursement for hospitalization, surgeries, outpatient treatments, and other healthcare services.
In a nutshell, a medical insurance policy is your financial protection plan, so you can access quality healthcare without worrying about the financial burden.
When you buy health insurance online, you can compare different plans and choose the one that best meets your needs.
At Universal Sompo, we offer comprehensive health insurance in India that is designed to meet your needs. Our health insurance plans guard you and your family against unexpected medical expenses, giving you the means to get the best possible care when you need it the most. Our extensive network of hospitals and ample coverage for various medical expenses at affordable premiums make universal healthcare accessible for you. With Universal Sompo, you can buy health insurance online and rest assured that your health is in good hands.
Why Universal Sompo
Quick Claim
Process
Customer First Approach
PAN India
Presence
24/7
Assistance
We Keep Our Promise
Our Shareholders
Our Trusted Brand Partners
Types of Health Insurance
With Universal Sompo, you can choose from various universal health insurance plans that fit your lifestyle and needs. They can include:
Individual Health Insurance
Covers the policyholder’s medical expenses.
Family Floater Health Insurance
Provides coverage for the policyholder, spouse, and dependent children
Senior Citizen Health Insurance
Medical insurance for parents, specifically for individuals aged 60 and above.
Critical Illness Insurance
Pays a lump sum benefit upon diagnosis of a specified 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.
How To Buy A Health Insurance Plan?
Buying health insurance is a simple process. You can visit our website or contact our customer support team for assistance. Our experts will guide you through the process to get health insurance and help you choose the right plan
Here are some steps to begin with
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 necessary application forms and provide the required documentation.
Pay premium:
Make the initial premium payment to activate your health insurance policy
Get Health Insurance For All Your Loved Ones
The Right Plan For A Healthier You
Premium Features
Standard Features
Additional Benefits - Hospital Daily Cash (for accompanying an Insured child)
- Complete Healthcare
Super
HealthcareArogya Sanjeevani All Hospitalization, including for Coronavirus
Pre/Post Hospitalization
Emergency Assistance Services
Mother and Child Care
Wellness Package
Road Ambulance Charges
ICU Room Unit
Save Tax on Health Insurance
Health insurance in India is a tax-saving investment Under the Income Tax Act of 1961, you can claim deductions for health insurance premiums paid for yourself, your spouse, and your dependent parents and children each year. It reduces your overall tax liability. Under Section 80D of the Act, you can get a tax deduction of up to ₹25,000 for health insurance premiums paid. This amount increases to ₹50,000 if you are a senior citizen or if you make payment for your parents who are senior citizens. You also get ₹5,000 for preventive health check-ups.
Mediclaim Vs. Health Insurance
Selecting a health Mediclaim is a type of health insurance policy, but there are some key differences between the two:
Coverage
Mediclaim policies cover hospitalization expenses, while health insurance policies can cover pre- and post-hospitalization expenses, outpatient treatments, preventive care, critical illnesses, and more.
Ambulance charges
Mediclaim policies do not cover ambulance charges, but health insurance policies do cover them up to a limit.
Flexibility
Health insurance plans are more flexible and can be customized. But, mediclaim policies are less flexible.
Cost
Mediclaim policies are more affordable than health insurance policies.
Health Insurance Eligibility Criteria
| Details | Eligibility Criteria |
|---|---|
| Previous Medical Conditions | While buying a mediclaim policy, you have to be honest enough to declare all your pre-existing illnesses. These illnesses need not be your usual fever, flu, or headaches. However, if in the past you have ever been diagnosed with any disease, birth defects, undergone surgery, or cancer of any severity it is important to inform your medical insurance company. Because many ailments are listed under permanent exclusion, few are covered with a waiting period and few others are covered by charging an additional premium with a waiting period. Also Read: Should you disclose pre-existing illnesses while buying health insurance? |
| Age | Entry Age of the Proposer-Minimum 18 years – Maximum 75 years Entry Age of the Children: Minimum 91 day - Maximum 25 years. |
Health Insurance Claim Process
Wellness Corner
