Universal Sompo Complete Healthcare Health Insurance Wordings

The entry age is restricted to 70 years only.

Complete Healthcare Insurance Plan covers the hospitalisation expenses of the individual with the following features: 1. Cashless hospitalisation at any of the company’s network hospitals. 2. In-patient hospitalisation expenses are covered. 3. Domiciliary hospitalisation benefit means medical treatment for a period exceeding 3 days for such illness, which in the normal course require treatment in a hospital but actually taken whilst confined at home in India since the condition of the patient is such that he cannot be removed to a hospital or the patient cannot be removed to the hospital for lack of accommodation. 4. Subject to a clean proposal form, medical tests are waived off up to the age of 45 years. Above the age of 45 years, medical tests are mandatory and 50% of the test charges are reimbursed to the customer. 5. Additional cover may be purchased by the customer to cover certain critical illnesses. 6. Maximum coverage under Individual Health Insurance plan is of Rs. 5 Lakh. 7. Coverage also includes expenses incurred on room rent charges, boarding charges, nursing, surgeon/specialist fees, charges for blood, oxygen, etc.

The policy does not cover loss, damage, illnesses or diseases that arise due to the following: 1. Pre-existing diseases will not be covered under this plan. 2. Any expense on hospitalisation or domiciliary hospitalisation incurred due to any illness contracted during the first 30 days from the date of commencement of the insurance. However, this exclusion is not applicable if hospitalisation is required because of an accident. 3. During the first year of the cover, the expense on treatment of diseases such as cataract, benign prostatic hypertrophy, hysterectomy, piles, sinusitis, and related disorders are not covered. 4. Injury or disease directly or indirectly attributable to war, invasion, act of foreign enemy not payable. 5. Circumcision unless necessary of a disease is excluded. 6. Cost of spectacles, contact lenses, hearing aids are excluded. 7. Dental treatment or surgery of any kind unless hospitalisation is required is excluded. 8. Any treatment directly or indirectly for treatment associated with AIDS. 9. Cosmetic or aesthetic treatment are not covered. 10. Venereal diseases, intentional self harm and the use of intoxicating drugs or alcohol are not covered. 11. Voluntary termination of pregnancy. 12. Pregnancy and childbirth. 13. Naturopathy treatment.

You can easily renew Universal Sompo’s Complete Healthcare Insurance plan online from the insurer’s site.

Upon cancellation, your insurance will cease to exist from the date of cancellation of the plan. In addition, the premium will also be refunded as per short period cancellation rates. Please read the policy wordings for further details.