Universal Sompo – A Plus Health Insurance Gold
8.9
Expert ScoreRead review
Flagship health insurance plan of Universal Sompo providing comprehesive health cover for individual and families
- Cover :₹ 10.0 Lakhs
- Bonus / NCB :50% of Base SI, maximum to 100% per renewal
- Copay :No copayment
- Claims Settled :92.78%
₹30,060.00
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Category: Health Insurance
Universal Sompo – A Plus Health Insurance Gold
8.9
Expert ScoreRead review
Premium Amount
₹30,060.00
Flagship health insurance plan of Universal Sompo providing comprehesive health cover for individual and families
- Cover :₹ 10.0 Lakhs
- Bonus / NCB :50% of Base SI, maximum to 100% per renewal
- Copay :No copayment
- Claims Settled :92.78%
Category: Health Insurance
100% Cover restoration
100% upto SI once in a year
Free Health Check-up
-
Daily cash allowance
NA
Ambulance charges
Covered upto Rs 5000
Pre-hospitalisation
Expenses for 30 days covered
No claim bonus
50% of Base SI, maximum to 100% per renewal
Post hospitalisation
Expenses for 60 days covered
Ayush treatments
Ayush benefit up to Rs. 1000000
Maternity
Waiting period 36.0 months, Normal delivery: Rs. 25000; Caesarean delivery: Rs. 50000
Outpatient Expense
NA
Organ donor expenses
Covered up to Rs. 1000000
New-born treatment
NA
Domiciliary Hospitalisation
Covered up to Rs. 1000000
Recovery allowance
NA
Sum Insured
10 Lakh
E- Consultation
NA
Pros
NA
50% of Base SI, maximum to 100% per renewal
Ayush benefit up to Rs. 1000000
Domiciliary Hospitalisation
Covered up to Rs. 1000000
cons
Category: Health Insurance
USP of This Plan
Flagship health insurance plan of Universal Sompo providing comprehesive health cover for individual and families
- Cover :₹ 10.0 Lakhs
- Bonus / NCB :50% of Base SI, maximum to 100% per renewal
- Copay :No copayment
- Claims Settled :92.78%
Our Take
8.9Expert Score
Flagship health insurance plan of Universal Sompo providing comprehesive health cover for individual and families
- Cover :₹ 10.0 Lakhs
- Bonus / NCB :50% of Base SI, maximum to 100% per renewal
- Copay :No copayment
- Claims Settled :92.78%
Best values score
8.9
Policy Exclusions :
Any claim other than accidental claims inside 30 day waiting period
Obesity & weight control
Any claim for PEDs made during the waiting period of 36 months for 1 & 2 year policies or 30 months for 3 year policy.
Change of gender treatments
Any claim for specific procedures or diseases during the waiting period of 24 months
Cosmetic or plastic surgery
Investigation & Evaluation
Hazardous or adventure sports
Rest care & rehab outside the limits covered
Breach of law
Alcholism, drug or substance abuse
Excluded providers
Treatment recieved in nature clinics, health hydros, spas, etc and dietary supplements and substances purchase without prescription
Refractive error
Unproven treatments
Sterility, Infertility expenses and Maternity expenses over and above those covered in the policy
Claims settlement
If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer
If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital.
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8.9Expert Score
Flagship health insurance plan of Universal Sompo providing comprehesive health cover for individual and families
- Cover :₹ 10.0 Lakhs
- Bonus / NCB :50% of Base SI, maximum to 100% per renewal
- Copay :No copayment
- Claims Settled :92.78%
Best values score
8.9
Specification: Universal Sompo – A Plus Health Insurance Gold
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Universal Sompo – A Plus Health Insurance Gold
₹30,060.00
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