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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 Senior Citizen Health Insurance Policy

A special policy has been launched by Universal Sompo which would cover the senior citizens. So, if you are above the age of 60 years and you are looking for a health insurance policy, you might consider taking the

Universal Sompo Senior Citizen Health Insurance Policy

, as it has some of the best features for the senior citizens. A very good thing about this policy is that the person can take the policy for himself and also for his spouse. One has to be above 60 years of age and a permanent resident of India to be a part of this policy.

Key Benefits

A lot of benefits are provided by

Universal Sompo Senior Citizen Health Insurance Policy

to the senior citizens of India, as discussed under:

  • Hospital Expenses:

    When the person has to be admitted to the hospital somehow, all the expenses spent on treatment or surgeries or medicines would be paid by the policy.

  • Treatment Expenses:

    If the treatment is outside of the hospital, such as after the discharge of the person, or before admitting the person to the hospital, or when home treatment is given, it would be included in the policy.

  • Reduced Check-up Cost:

    Free health check-ups and check-ups at reduced prices would be provided.

  • Ambulance Expenses:

    The expenses of emergency ambulance are included.

  • Accompanying person Expenses:

    Since the senior citizens would not be able to come to the hospital by themselves, the expenses of accompanying persons would also be paid by the Universal Sompo Senior Citizen Health Insurance Policy.

Major Exclusions

  • Waiting Period:

    Any treatment that is taken within 30 days of commencement of the policy is not covered. If the patient has some other problem such as arthritis, stones, cataract etc., then after a period of 2 years, the diseases would be covered.

  • Dental and Eye Treatments:

    Unless the treatment is required or suggested by doctors as a result of an accident, it is not covered.

  • Cosmetic Surgeries:

    Any surgery that is intended by the insured would not be covered.

Additional Benefits by the Policy

Name of the Benefit

The Advantage


Critical Illnesses Covered

Critical illnesses such as cancer, kidney failures, bone marrow transplant, etc. are covered


Family Discount

If the senior citizen decides to cover his spouse under the policy too, he would be available to get a family discount of 10%.


Extensible Sum

Depending upon the choice of the insured, the sum that can be assured ranges from 1 lakh to 5 lakh, so one can choose as per his own convenience.


Free lookup period

A free look up period of up to 15 days is provided under the Universal Sompo Senior Citizen Health insurance policy. This means that the person can review the terms and conditions of the policy in this time.

Frequently Asked Questions:

  • Are boarding expenses to the hospital included?

Yes, boarding expenses are included.

  • Are the medical tests included in the policy?

Yes, all the tests are included under

Universal Sompo Senior Citizen Health Insurance Policy