Universal Sompo Super Health Insurance Top up & Super Top Plans

Universal Sompo Super Health Insurance Top up & Super Top up Plan

Universal Sompo Super Healthcare Insurance plan provides the option of both top-up health insurance cover and Super top-up health insurance cover. The policy offers different sum insured and deductibles options and the details are given below.

Universal Sompo Super Healthcare Insurance Plan

Universal Sompo Super Healthcare Insurance Top-up and Super Top-Up Plan come in multiple variants. The top-up plan comes in three variants i.e. Plan 1, Plan 2, and Plan 3. And the Super top-u plan comes in Gold, Diamond, and Platinum variant. The coverage amount kicks in once the deductible amount is exhausted i.e. over and above the policy deductible limit.

For example, if you buy a Universal Sompo Super top-up plan of Rs 50 lakh and the deductible limit is Rs 5 lakh and the hospitalization bill is Rs 45 lakh then the insurer will pay off the amount above the deductible i.e. Rs 40 lakh.

Eligibility Criteria:

Criteria	Specifications
Sum Insured	Rs 1 lakh to Rs 1 Crore
Deductibles	Rs 50,000 to Rs 40 lakh
Minimum Entry Age	Adults: 18 years Children: 91 days
Maximum Entry age	Adults: 80 years Dependent Children: 30 days
Renewal terms	Lifetime
Waiting Period for Pre-existing Diseases	2- years

Universal Sompo Health Top-up plans:

Universal Sompo Super health care policy offers the option of both top-up and super top-up health plans as given below:

Super Healthcare Top-up plan

The Super healthcare top-up plan provides an extra cushion against rising inflation and increasing medical expenditures. It has three variants under Plan 1, Plan Two and Plan 3 with variable sum insured. The policy tenure is for one, two and three years.

Super Healthcare Super Top-up plan

Universal Sompo healthcare also offers super top-up plans with the same benefits as the regular top-up plan. The Super top-up plan provides extra value-added services and discounts to the policyholders. It comes in Gold, Diamond, and Platinum variant.

Key Benefits of Universal Sompo Top-up and Super Top-up Health Plans

The features and benefits of the Universal Sompo Super healthcare plan are given below:

The plan provides a wide range of options to choose the sum insured along with the deductible limits.
It eliminates the need for medical tests up to 65 years.
The plan offers a reward program for policyholders who meet their health-related goals.
The policy provides tax benefits for the customers.
The policyholder can extend cover to his family members by purchasing a family floater plan.
The plan covers medical expenses related to organ transplantation.
The Universal Sompo health claim settlement ratio is 93% which is quite good as per the industry standards

Inclusions of Universal Sompo Top-up and Super Top-up Health Plans

Universal Sompo Super Healthcare Insurance plan provides the following coverage benefits to the policyholders-

The plan covers medical expenses related to Inpatient hospitalization such as room rent, boarding charges, nursing charges, ICU, medical practitioners fees, etc.
The insurer will cover the policyholder's day care treatment and surgical procedures
The plan includes pre and post-hospitalization expenses along with Ayush Treatment
The Universal Sompo health insurancealso provides reimbursement and settlement of AYUSH treatment expenses
The plan considers the expenses incurred for road and air ambulances
The policy also covers maternity and new-born care after a waiting period of 9 months only
Expenses incurred on Bariatric surgeries are also covered
Wellness and Value-added services, like, health coach, health screening, and health risk assessment, as incentives.

*The applicants can refer to the Universal Sompo health Super top-up plan brochure for a complete list of inclusions.

Exclusions of Universal Sompo Top-up and Super Top-up Health Plans

Universal Sompo Super Healthcare plan does not cover the following expenses:

Treatment related to alcoholism, drugs and other banned substances
Investigation and evaluation of the diseases
Treatments related to change of gender
Treatments related to eye-sight correction, such as refractive error correction, are excluded
Procedures and expenses related to sterility and infertility
Cosmetic surgeries and plastic surgeries
The plan does not support medical expenses arising from a breach of law or participation in illegal, unlawful activities
Injuries sustained due to adventure sports are excluded from the plan

*The applicants can refer to the Universal Sompo health top-up plan brochure for a complete list of exclusions.

You can check out Universal Sompo Health Super Top-up and Top-up premium chart to find the amount of premium payable. Check out Universal Sompo Super Healthcare Plan Brochure for more information on benefits and features. For more details, you can write to us at care@policybazaar.com.

FAQs

Q1. What are the sum insured options available under the Universal Sompo Super Healthcare Insurance Plan?

The sum insured options available under the Universal Sompo Super Healthcare Insurance Plan are Rs 1 lakh to Rs 1 Crore.
Q2. What are the deductible options available under the Universal Sompo Super Healthcare Insurance Plan?

The deductible options available under the Universal Sompo Super Healthcare Insurance Plan range from Rs 50,000 to Rs 40 lakh.
Q3. Who are the people eligible for the Universal Sompo health card?

All policyholders are eligible for health cards.
Q4. What is the validity of the Universal Sompo health card?

The health card is valid for the entire policy tenure.

Policybazaar exclusive benefits

30 minutes claim support*(In 120+ cities)
Relationship manager For every customer
24*7 claims assistance In 30 mins. guaranteed*
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