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Universal Sompo Corona Rakshak Health Insurance

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Universal Sompo Health Insurance
Corona Rakshak Policy
Claim SettlementAvailable
Claim Settlement Ratio96%
In-House Claim SettlementAvailable
Network Hospitals4,000+
Starting Premium for Rs. 5 lakh CoverageRs. 527/month
Starting Premium for Rs. 5 lakhs SIRs. 475/month

About Universal Sompo Corona Rakshak Health Insurance

Universal Sompo Corona Rakshak Policy is a standard benefit-based medical insurance plan available for Indian citizens. It provides you a lump sum benefit equal to 100% of sum insured in case of a positive diagnosis of COVID-19. Note that the benefit can be availed only if the hospitalisation takes place for at least 72 hours and if the diagnosis is done at a center recognised by the government of India. Available on an individual basis, the policy can cover people aged between 18 years and 65 years respectively. As a Proposer, you can also add other adult family members too without covering self. The policy extends cover for sum insured options between Rs. 50,000 and Rs. 2.5 lakh (in multiples of Rs. 50,000).

Universal Sompo Corona Rakshak Policy is a short term policy and hence can not be renewed. Also, the policy will get terminated in case a claim is made. It is available for short terms of 3.5 months (105 days), 6.5 months (195), and 9.5 months (285 days). To avail of the policy benefits, you will be required to complete a waiting period of 15 days.

Also read: COVID 19 Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • Lump sum amount given on positive diagnosis of COVID-19 requiring hospitalisation of at least 72 hours
  • Sum insured options ranging between Rs. 50,000 and Rs. 2.5 lakh
  • Pre-acceptance medical screening not required
  • People aged between 18 years and 65 years can seek cover
  • Policy terms available of 3.5 months, 6.5 months, and 9.5 months

What's Not Included

  • Any treatment or diagnosis that is not in relation to COVID-19
  • Any claim made within the waiting period of 15 days
  • Any claim if the insured travels to a country that is placed under travel restrictions by the government of India
  • Admission primarily for investigation and evaluation purpose
  • Testing done at a diagnostic center that is not recognised by the government of India

11505 Universal Sompo Cashless Network Hospitals in India

Corona Rakshak Policy User Reviews

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What users are saying
  • All
  • Policy issued at ease

    The buying process from the InsuranceDekho website is quick and easy. I recently bought the Universal Sompo Corona Raksha Policy. The process was very easy and was done in a few steps.

    S
    By Sheetal Das
    On: Mar 08, 2022
  • Easy plan comparison

    Comparing plans on the insuranceDekho website is quite easy. After comparing all of those, I chose the Universal Sompo Corona Raksha PolicyThis plan is superb, I loved it for all its features and benefits. 

    R
    By Rekha Makkar
    On: Mar 03, 2022

Universal Sompo Corona Rakshak Policy Brochure

  • 206.56 KB
  • PDF Document
  • Jul 31, 2020

Claim Process at Universal Sompo Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Corona Rakshak Policy Health Insurance Plan

  • What is the prescribed time limit to submit the documents in case of a claim under Universal Sompo Corona Rakshak Policy?

    In case of a claim made under Universal Sompo Corona Rakshak Policy on positive diagnosis of COVID-19, you will be required to submit the necessary documents within 30 days after the discharge from the hospital.   

  • What are the sum insured options available under Universal Sompo Corona Rakshak Policy?

    Universal Sompo Corona Rakshak Policy comes with sum insured options of Rs. 50,000; Rs. 1 lakh; Rs. 1.5 lakh; Rs. 2 lakh; and Rs. 2.5 lakh. 

  • Can I avail tax benefits on the premium paid for Universal Sompo Corona Rakshak Policy?

    Yes. You can avail tax benefits on the premium paid for Universal Sompo Corona Rakshak Policy under Section 80D of the Income Tax Act, 1961.

  • What is the minimum and maximum entry age for Universal Sompo Corona Rakshak Policy?

    The minimum and maximum entry age for Universal Sompo Corona Rakshak Policy is 18 year and 65 years respectively.

  • Is there any waiting period under Universal Sompo Corona Rakshak Policy?

    Yes. Universal Sompo Corona Rakshak Policy comes with an initial waiting period of 15 days. It will be calculated from the date of commencement of the policy. 

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