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Universal Sompo Health Insurance Top-up & Super Top-up Plans

A top-up policy allows the policyholder to make a claim that exceeds the deductible amount as well as the sum insured of the base health insurance plan in case of a single hospitalisation. Under a top-up policy, all claims are treated individually and multiple claims are not aggregated. The deductible is the threshold limit specified in your policy.

Whereas a super top-up policy allows the policyholder to avail claim for cumulative medical expenses during a policy year when it exceeds the deductible and sum insured of the base health insurance plan. Simply put, a super top-up policy kicks in when multiple claims from all the members exceed the deductible limit.

Super Healthcare Insurance Policy

Super Healthcare Insurance Policy offers the policyholders additional coverage for extra security at an affordable premiums. The policy comes in several variants under Top-Up and Super-Top Up plans. These include Plan 1, Plan 2, Plan 3, and Gold, Diamond, and Platinum, respectively. The sum insured options are available for up to Rs. 1 crore and deductible options range between Rs. 50,000 to Rs. 40 lakh.

Key Benefits of Super Healthcare Insurance Policy

Super Healthcare Insurance Policy covers the insured for sum insured options ranging between Rs. 1 lakh to Rs. 1 crore. It can cover up to 16 relationships and can be purchased for 1 year, 2 years, or 3 years, as per the requirement of the policyholder. Other benefits that the policy offers the insured are listed below:

  • No medical test up to 65 years
  • Worldwide coverage option
  • 20% No Claim Bonus for every year a claim is not made
  • Free restoration of sum insured
  • Wellness program-reward to reduce the renewal premium
  • Tax benefits under Section 80D of the Income Tax Act, 1961

Who Can Buy This Plan?

People aged between 18 years and 80 years can buy Super Healthcare Insurance Policy.

Waiting Period Under the Plan

Super Healthcare Insurance Policy comes with an initial waiting period of 30 days. Specific waiting periods and waiting periods for pre-existing disease vary from variant to variant.

Renewability of the Plan

Super Healthcare Insurance Policy offers lifetime renewability benefits to the policyholders.

Exclusions Under the Plan

Super Healthcare Insurance Policy does not cover the insured for the following expenses:

  • Self-inflicted injuries
  • Hazardous or adventure sports
  • Change of gender treatments
  • Expenses incurred on unproven treatments
  • Treatment of obesity or cosmetic surgery

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Disclaimer : Actual Premium might vary basis your location, age and number of members

Universal Sompo Health Insurance Plan List

  • Individual (11)
  • Family (11)
  • Woman (11)
  • Parents (11)
  • Blood Pressure (11)
  • Kids (11)
  • Thyroid (11)
  • Diabetes (11)
  • Critical Illness (5)
See More Plans

Key Features of Universal Sompo Critical Illness Insurance Policy 

Universal Sompo critical insurance come with certain features. Key features of the plan are as follows:

  • Portability facility
  • Cashless treatment
  • Lifelong renewability
  • Discounts on premiums
  • Cover for pre-existing diseases

The Critical Illness Insurance Policy of Universal Sompo is available with quite a few flexible options and is ideal for the ones looking for critical illness health insurance plans at affordable price.

Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Universal Sompo Health Insurance Plan List

  • Family (2)
  • Kids (1)
  • Maternity (1)
  • Parents (1)
  • Woman (1)
  • Individual (3)
  • Critical Illness (1)
  • Senior Citizen (1)
Name of PlanSum Insured
Complete Healthcare InsuranceMin: 1 Day; Max: 70 Years1 Lakh Check Premium
A Plus Check Premium
Individual Health Insurance PlanMin: 3 Months; Max: 55 Years1 Lakh Check Premium
Critical Illness PolicyMin: 5 Years; Max: 65 Years2.5 Lakh Check Premium
Senior Citizen Health InsuranceMin: 60 Years; Max: 70 Years1 Lakh Check Premium
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years 1 Lakh - 5 Lakh Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Check Premium
Corona Rakshak PolicyMin: 18 Years; Max: 65 Years50,000 - 2.5 lakh Check Premium
Hospital Cash Insurance PolicyMin: 6 months; Max: 70 years Check Premium

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User Reviews

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What users are saying
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  • Claim
  • Renew
  • Premium
  • Top up
  • Critical Illness
  • Reliable Health Protection

    InsuranceDekho is a reliable partner for health protection. Their Universal Sompo Health Insurance Policy is well-structured, and their claim settlement process is prompt. We've had a great experience with the InsuranceDekho team.

    R
    Universal Sompo
    By Raju Karhana
    On: Mar 14, 2024
  • Purchased at Ease

    It is very easy to buy health insurance plans from the InsuranceDekho website, I bought the Universal Sompo Health Insurance Plan policy from their website. The buying process was too simple and easy with no complications at all. I followed the mentioned steps and the process was done quickly. Loved the plan. 

    S
    Universal Sompo
    By Sanjay Parashar
    On: Mar 04, 2024
  • Afffordable Policy

    Thanks to the entire team at InsuranceDekho company for helping me purchase the Universal Sompo health insurance plan, the best health insurance policy. I appreciate the efforts of the customer support team. They helped me throughout the process.

    N
    Universal Sompo
    By Nikunj Gaur
    On: Jan 02, 2024
  • 7 days availability

    The InsuranceDekho website serves their customers all 7 days of the week which makes it convenient for the customers. I bought the Universal Sompo Health Insurance Policy. The plan is good in itself, and I am happy that I bought this plan.

    M
    Universal Sompo
    By Monika Agarwal
    On: Nov 24, 2023
  • Easy Renewal Process

    Renewing my Universal Sompo Health Insurance Policy with InsuranceDekho was a simple and quick process. The reminders they sent were helpful, and the renewal interface was user-friendly.

    K
    Universal Sompo
    By Kanupriya
    On: Nov 16, 2023

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