Individual Health Insurance Service

Health Insurance policy of Universal Sompo is offered to individual and/or his family. The policy designed to pay the Insured person(s) the hospitalization expenses as well as domiciliary hospitalization benefits if he/she suffers an illness or accidental injury during the policy period.

• Treatments only in the Hospitals / Nursing homes in India are covered
• The coverage includes expenses incurred towards room, boarding expenses, nursing expenses, surgeon / specialist fees, charges for blood, oxygen etc
• Domiciliary hospitalization benefit means Medical treatment for a period exceeding 3 days for such illness which in the normal course require treatment in a hospital but actually taken whilst confined at home in India since

  (1) the condition of the patient is such that he cannot be removed to a hospital or

  (2) the patient cannot be removed to the hospital for lack of accommodation

• The indemnity provided by the policy is restricted to sum insured and the sub-limits provided in the schedule
• Premium is calculated depending on the age of the insured and the sum insured selected
• If Your age or Your dependant's age is more than 45 years , You /Your dependents shall have to undergo medical tests as prescribed by Us and the cost of such expenses shall be borne by You
• The entry age under the policy should be less than 55 years
• Maximum coverage is Rs.5 lacs
• As per Income Tax Act, the premium paid for this cover is exempted from tax under Section 80 D