Universal Sompo Complete Healthcare Health Insurance

Under this add-on, a lump sum amount is paid for death resulting from accidental bolidy injury within 12 months from date of accident or a lump sum amount is paid for permanent total disability conditions such as loss of eyesight, loss of limbs, etc. resulting from an accident within 12 months from date of accident. 

This optional benefit provides daily cash for each day of hospitalisation, if the hospitalisation exceeds 3 days.

With this optional benefit, you can choose to restrict your defined illness/disease up to a specified limit and earn discounts on doing so.

This add-on offers you a discount if you choose to take treatment in a network hospital. On doing so, you can avail 5% discount on the premium. On the other hand, if the treatment is taken in a non-network hospital, 10% co-payment is levied under the policy.

One of the many benefits of buying this policy from Universal Sompo is In-patient hospitalisation cover for AYUSH treatments. Other benefits include-cover for people with HIV/AIDS, restoration of Sum Insured, second opinion, monthly newsletter, wellness package, and other value-added services. Apart from these, few more coverage benefits that get you covered in unforeseen circumstances are-

• Vaccination expenses
• 141 daycare procedures covered
• Emergency ambulance charges are covered
• 10% No Claim Bonus provided subject to a maximum of 50%
• Domiciliary hospitalisation cover for a treatment exceeding 3 days of hospitalisation
• Convalescence benefit of Rs. 10,000 once in a policy year in case you are seriously ill
• Dental treatment costs arising due to accident, treatment of which has been taken in a hospital as an in-patient
• 30 days pre-hospitalisation cover. If the hospitalisation is intimated 5 days before hospitalisation, then it is covered for 60 days
• 60 days post-hospitalisation cover is provided. If the hospitalisation is intimated 5 days in advance, then these expenses are covered until 90 days after the discharge from hospital

The plan benefits do not only comprise of coverage features. It also provides you with some benefits that keep you happy and satisfied through the entire policy period. These are-

• The policy is renewable for lifetime
• Hassle-free claim settlement procedure
• Cashless hospitalisation in-network hospitals
• Tax benefits under Section 80D of the Income Tax Act 1961

Considering the countless benefits provided by Universal Sompo through this plan, it seems to be a perfect product to cover an individual or the entire family.

To get this policy issued quickly and with utmost transparency, you should buy it online. It is a preferred one because offline transactions have higher chances of misinterpretation of information and may even cost you more time and money. So, make the deal worthy by going online soon. 

The age criteria for Universal Sompo’s Complete Health Insurance policy is up to 70 years.

Follow the below steps to get cashless healthcare treatment: 1. In case of an emergency hospitalisation, call their helpline number and lodge your claim within 24 hours of hospitalisation. 2. In case of a planned hospitalisation, inform the insurer 48 hours prior to the hospital admission. 3. Visit a nearby network hospital and show the company's health card number, along with your valid photo ID. 4. Collect the ‘Cashless Request Form’ from hospital/TPA desk. 5. Fill in the required details and give it to the TPA desk in the hospital. 6. Hospital authority will verify the details and will send the filled ‘Cashless Request Form’ to the concerned insurer by fax. 7. Universal Sompo will review the request, approve or reject it as per the policy terms and conditions and you will be communicated about the same. 8. You will need to pay the deductibles and any extra amount that is not covered in the policy. 9. You can check your claim status by using your claim reference number.

When you avail the treatment at a non-network hospital and pay the medical bills on your own, you can file for its reimbursement. Post-discharge from the hospital, this amount can be claimed from the insurer. Below are the steps for filing reimbursement of your hospitalisation expenses: 1. Call at their health helpline number 1800-200-5142 or email at healthserve@universalsompo.com. 2. Remember to lodge your claim within 24 hours in case of emergency admission and 48 hours prior to hospitalisation in case of planned hospitalisation 3. Get admitted and avail the treatment. Settle your bills and collect all the original documents when getting discharge. 4. Fill the claim reimbursement form 5. Submit the form with all the original documents containing all the hospital bills at the registered address of the insurer 6. On receipt of all the documents, Universal Sompo will process your claim as per the terms and conditions. Intimation will be sent to you regarding the same.

When you avail the treatment at a non-network hospital and pay the medical bills on your own, you can file for its reimbursement. Post-discharge from the hospital, this amount can be claimed from the Following details are required by the policyholders: 1. Your contact details 2. Universal Sompo health insurance number and membership ID number mentioned on the Health Card 3. Name of the patient 4. Nature of illness/accident 5. Date and time of loss in case of an accidental hospitalisation or starting date of a symptom of disease in case of an ailment 6. Location of loss/accident 7. Geographical details