<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=7698356820180471&ev=PageView&noscript=1" />
Universal Sompo

Universal Sompo

Complete Healthcare Essential

3 Lakh to 5 Lakh might not be suffficient for you. But the plan as it stands is pretty comprehensive. It doesn't have any egregious conditions, covers outpatient consultations (upto 1% of the Sum Insured), and offers maternity benefits. And while it isn't the most economical policy out there, it is still a good plan overall.

What's good here?

coPay

You’ll never have to split the bill

The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.

Learn More
roomRent

You can pick any room you like

Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.

Learn More
prePost

Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.

Learn More
dayCare

Day Care treatments covered up to a certain limit

Learn More
healthCheckup

Free Health Checkups every 2 years

If you’re planning on getting a full body checkup every 2 years just to make sure you’re in fine working condition, the insurer will cover the costs.

Learn More
ayush

Covers Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.

Learn More
diseaseSublimit

You always have full cover irrespective of the disease

No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.

Learn More
restoration

Some Restoration Benefit

Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.

Learn More
ncb

Special Bonus for being healthy and not claiming insurance

Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 50%. But hey, it's still a bonus.

Learn More
domiciliary

Full coverage even if you are forced to hospitalize at home

The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

Learn More
opd

Doctor consultations covered

Upto 1% of sum insured max upto 5,000. Covers Dental, Hearing aid, Spectacles, Contact lenses. After a waiting period of 3 years

Learn More

What's okay here?

ped

Reasonable waiting period for pre-existing diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.

Learn More

Frequently Asked Questions

Yes. Complete Healthcare Essential imposes 4 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 1-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
  • Maternity and Newborn Waiting Period: There’s a 3-year waiting period before you can make claims related to pregnancy and childbirth.
talk to us

Talk to IRDAI-certified experts

Health is tricky, and insurance trickier. But we’ll simplify it for you - for FREE! Book a call now. Limited slots available.

Related Policies

Universal Sompo
Universal Sompo

Complete Healthcare Privilege

Universal Sompo
Universal Sompo

Complete Healthcare Basic