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Most Popular Policies of Universal Sompo Health Insurance

  • Universal Sompo Individual Health Insurance Plan
    This individual health plan offers complete financial protection to policyholders.
    Key features of Individual Health Insurance Plan
    • Add-on cover available
    • coverage for critical illnesses with add-on cover
    • In-house claim-settlement
    • Entry-age up to 55 years
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  • Universal Sompo Private Car Insurance Plan
    This comprehensive plan offers coverage against personal accident of the policyholder, damage of his and her car and third party liabilities.
    Key features of Private Car Insurance Plan
    • Liability to paid driver or any workman
    • Availability of add-on covers
    • Coverage against accessories loss
    • Personal accident coverage for passengers
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  • Universal Sompo Senior Citizen Health Insurance Policy
    This health plan is designed to cover the treatment expenses of people over 60 years of age.
    Key features of Senior Citizen Health Insurance Policy
    • Domiciliary Hospitalization expenses covered
    • Daily cash allowance available
    • Accompanying persons' expenses are covered
    • Free health check-up in every 3 years
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  • Universal Sompo Hospital Cash Insurance Policy
    This health cover offers daily cash allowance for normal hospitalization.
    Key features of Hospital Cash Insurance Policy
    • Lifetime renewal option available
    • Hospital Confinement Benefit is available
    • Intensive Care expenses are covered
    • Availability of Convalescence Benefit
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Universal Sompo Hospital Cash Insurance Policy

Universal Sompo Hospital Cash Insurance Policy

offers hospital confinement benefits, intensive care benefit and convalescence benefits. The policy can be taken by an individual for covering himself or herself, spouse, two dependent children who must be 25 years old or less than that and dependent parents.

Eligibility Criteria

To opt for Universal Sompo Hospital Cash Insurance Policy, a person should fulfill the following eligibility criteria:

  • Entry age for the policy is 18 years at least, and a person can enjoy the benefits of the policy till 70 years of age.
  • Lifetime policy renewal is offered.
  • Entry age of dependent children should be 6 months or above.
  • Up to 55 years of age, there will not be any kind of pre-acceptance tests. In case if your age is above 55 years, you need to require undergo the necessary medical tests that are scheduled under the terms and conditions of the policy. In case of acceptance of the proposal, 50% medical testing cost will be borne by the company.

Key Benefits

Universal Sompo Hospital Cash Insurance Policy

has basically three key benefits in offering. Here are the benefits at a glance:

  • Hospital Confinement Benefit:

    The policy offers daily allowance in case of hospital confinement of the policy holder or other beneficiary. Benefits are provided as per the premium plans chosen by the policy holder. This benefit excludes admission in ICU.

  • Intensive Care Benefit:

    Beneficiaries will get coverage for ICU admission, but in that case premium will become double for the policy holder. Admission in intensive care unit and general hospitalization are counted separately.

  • Convalescence Benefit:

    The policy also offers convalescence benefit of Rs. 10K, if the beneficiary’s hospitalization period exceeds 21 days. The benefit would not be payable, if hospital cash period has been opted for more than 30 days by policy holder.

Additional Benefits


Details of benefit

Long Term Policy Discount

The policy can be taken for one and two or more years. Discount will be offered when policy will be bought for long terms (more than 1 year) with single installment premium payment.

Family Discount

Family discount of 5% is offered over the total premium policy.

Group Discount

Group discount is only available for the corporate business houses, where a group of people needs to be insured under this policy.


Portability benefit is offered to those who continue the policy with a break. For portability, an application has to be submitted before 45 days.

Free Look up Period

Policy buyers are offered 15 days of free look up period. Within the free look up period, you will get 100% return upon cancellation.

Frequently Asked Questions

1. What is not covered under this policy?

Universal Sompo Hospital Cash Insurance Policy does not cover pre-existing disease, unless 48 months of continued policy coverage period gets over successfully.

2. What is the method of assessment of the claim?

Under Universal Sompo Hospital Cash Insurance Policy common method of assessment is followed. Payment for claim has been done through check or electronic fund transfer.