USGI -

What’s Covered?

If You suffer an Illness or Accident during the Policy Period that requires Hospitalization as an inpatient, then We will pay:

Inpatient Treatment

Medical Expenses for:Room Rent, boarding expenses, Nursing,

Day Care Procedures

The Medical Expenses for any Day Care Procedure where the procedure or surgery is taken by you as an inpatient for

Pre-hospitalization

The Medical Expenses incurred in the 30 days immediately prior before the date you were Hospitalized, provided that:

Post-Hospitalization

The Medical Expenses incurred in the 60 days immediately after your date of discharge from Hospital provided that:

Domiciliary Treatment

The Medical Expenses incurred by you for medical treatment taken at home which would otherwise have required Hospitalization, provided that:

Organ Donor

The Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated, provided that

Ambulance

The expenses incurred on an ambulance offered by a healthcare or ambulance service provider used to transfer

Dental Treatment

The Medical Expenses of any necessary Dental Treatment from a dentist provided that the Dental Treatment is required as a result of an Accident.

Frequently Asked Questions

Are my family members eligible for cover as well?

Yes, your spouse and children can be added as a dependant under the floater plan. The policy can also be taken for your father, mother, father-in-law, mother-in-law, son, daughter-in-law, daughter, grandparents, and grandchildren on individual basis. Your unmarried children, under the age of 18, are eligible as dependants under the policy. Your children enrolled as full-time education students are eligible until the age of 25.

Am I covered when travelling worldwide?

No, all benefits shall be payable when incurred in India only, in Indian rupees.

Is a medical examination required to buy the plan?

Generally, No. In the instances where any of the applicants is above 55 years of age or based on declaration in proposal form, we feel that we require additional information for fair and accurate underwriting purposes, we will ask you to undergo medical tests or ask you previous medical records. Medical Examination reports validity period is 6 months

Is there any co-payment or excess applicable?

A person who avails the option = 'Treatment in tiered network' and does not get treated in the tiered networks has to pay a Co-pay of 10%.

How do I know if I am covered before treatment?

You should dial us to determine whether treatment is covered under your policy prior to a planned admission into the hospital.

Can the level of cover be adjusted during the policy term?

No. The level of cover can only be changed at the renewal date. At that time, we will work with you to ensure any benefit level changes are appropriately adjusted.

Am I able to obtain forms and information online?

Yes, you have access to claim forms as well as all value added services information at www.universalsompo.com

Can I cancel my policy?

Yes, you may cancel your policy by telephoning us, by email or in writing (see contact us for details). You may cancel your policy during the 15 day free look period. This period commences on the day you receive your policy documentation. We will refund any premium paid at the date of cancellation deducting any charges we incurred towards your medical examination and the stamp duty charges and Proportionate risk premium if cover has already covered, provided you have not used any of the services available on your cover and no claims have been made. After the free look period, refunds will only be given if no incident has occurred which has led to an eligible claim. Automatic Cancellation

Individual policy:
For Family Floater Policies:
Refund:
Cancellation by Us:

You or any person acting on behalf of either has acted in a dishonest or fraudulent manner in relation to this policy
You or any other applicant have not disclosed the material facts or misrepresented in relation to the policy; and/or
You or any other applicant have not co-operated with us.

Can I renew my policy?

Yes, you can renew your policy with us for as long as you desire on following terms.

Your policy shall ordinarily be renewable for lifetime on an yearly basis except on grounds of fraud, moral hazard or misrepresentation or non‐cooperation by you
The renewal of the policy sought by you shall not be denied arbitrarily. If denied, we shall provide you with cogent reasons for such denial.
We shall not deny the renewal of the policy on the ground that you had made a claim or claims in the previous or earlier years, except for the optional benefit covers where the coverage under the benefits viz. critical illness cover and personal accident shall terminate following payment.
We shall provide for a mechanism to condone a delay in renewal up to 30 days from the due date of renewal without deeming such condonation as a break in policy. However coverage shall not be available for such period.
If you move into a higher age band, the premium will increase at the next renewal. However, this policy will not be subject to any alteration in premium rates generally introduced until the next renewal.
If the policy is not renewed within the grace period then we may agree to issue a fresh policy subject to our underwriting criteria and no continuing benefits shall be available from the expired policy.
All premiums are payable in advance of any cover under this policy being provided.
The basic premium applicable under the policy may be revised at a later stage subject to approval from IRDAI.

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Product Features

Speedy Policy Process

SI Rs 1 Lakh - Rs 2 Lakh

Entry Age

Cashless facility

Speedy Claims Processing

Portability Benefits

What’s Covered?

Inpatient Treatment

Day Care Procedures

Pre-hospitalization

Post-Hospitalization

Domiciliary Treatment

Organ Donor

Ambulance

Dental Treatment

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