Group Health Insurance Policy

Group Health Insurance Policy of Universal Sompo is offered to Groups comprising of employees both in trading and manufacturing sectors/ social sector and/or members of an institution/society/association/club. The Policy is 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 prescribed
Premium is calculated depending on the age of the insured, family size and the sum insured selected
Maximum coverage is Rs.5 lakhs

Add-on Cover: The following additional covers can also be opted on payment of additional premium which shall depend upon the group size & its profile.

Critical Illness Cover (Paralytic stroke/ Cancer/Chronic renal failure/Coronary Artery Bypass/Transplant of organs -

a) Kidney

b) Lung

c) Pancreas

d) Bone Marrow NB, Liver Transplant is not covered under this extension.

Maternity Benefit Cover
Hospital Cash Cover - is in built cover
Pre existing
Family Floater
By choosing the add-on, the coverage for such named critical illness beckons double the basic sum insured.

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