Universal Sompo Complete HealthCare Insurance Plan

What is the Plan all About?

In this age of hectic lifestyle, people don’t have much time to take proper care of their health. Complete HealthCare Insurance plan is a comprehensive health insurance plan which reimburses medical expenses incurred due to hospitalization, pre and post hospitalization & other value added services.

Key Features

Get Cashless Treatment at empaneled network hospitals
Multiple plan options to choose from
Avail lifetime renewability
Avail various premium discounts
Get Maternity and Child care Benefit Covers
Medical expenses covered for HIV/ AIDS
Avail the AYUSH Benefit under this plan

Policy Benefits

Covers In-patient hospitalization, this plan pays for room charges, anesthesia, operating theatre charges, drugs, consumables, nursing expenses, ICU charges, etc.
Covers Pre & Post hospitalization expenses, this health plan cover medical expenses incurred for up to 60 days before hospitalization & 90 days after discharge from hospital.
Covers medical expenses for 141 day care procedures, when you are hospitalized for less than 24 hours.
Reimbursement for the medical expenses incurred for domiciliary treatment.
Covers organ donor’s treatment, subject to the limit of the chosen Sum Insured.
Get a daily allowance, in case your insured child is hospitalized for at least 72 hours.
Get the convalescence benefit of Rs. 10,000 in the policy year, In case hospitalized for more than 10 days.
Covers outpatient consultation expenses incurred to assess your illness. It also covers expenses incurred for medically necessary dental treatment.

Value Added Benefits

In case you have not made any claim during a policy year, you can avail cumulative bonus. With NCB benefit, the sum insured is increased by 10%, up to a maximum of 50%.
Automatic restoration of Sum Insured
Get Health Check Up at the end of every claim free policy year.
Avail second opinion on your health condition. You can also seek expert opinion with specialist e-consultation with two follow-up sessions.
Reimbursement for the cost of transportation to the nearest hospital by an ambulance.
It covers in-patient medical expenses under Ayurveda, Unani, Sidha, or Homeopathy.
Avail tax benefits under section 80D of the Income Tax Act, 1961

Sub Limits

In case the policyholder opts for ‘Treatment in tiered network’ and does not receive treatment in tiered networks, he/she has to pay a co-pay of 10%.
Some surgeries/medical procedures such as Cataract, Hernia, Hysterectomy, etc. are available with sub-limits, as applicable under the plan.

Waiting Period Clause

Initial Waiting Period: Any disease contracted (except accident) during the first 30 days of commencement of the policy will be excluded from coverage.
Pre existing Disease Waiting Period: The pre-existing diseases as listed will be covered after a waiting period of 36 months.
Specific Waiting Period: Specific illnesses and treatments are not covered in the first 12 months of commencement of the policy.
Waiting Period for Critical Illness / surgical procedures: 90 days for listed Critical Illness / surgical procedures in the first year are not covered.
Waiting Period for Outpatient Treatment: Outpatient treatment is not covered during the first 3 years in the policy.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	18 Years For Adults	70 Years
Sum Assured	1 Lac	10 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	3 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Personal Accident, Critical Illness, & Hospital Daily Cash	-