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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atulmanju

i had your policy no 2824/52588757/02/0000 from karnataka bank, allahabad. for last 3 years, i was admitted at Nazareth hospital allahabad on 24th may 2015 at around 12.30 a.m. and was discharged on 25th may 2015 in the afternoon. i gave the claim to your representative Mr. Amit Jaiswal on 2nd june 2015 the claim was of around Rs.6000/-. It was promised that the claim will be settled within 15-20 days i.e. is around 20-25 th june 2015 when i contacted your representative at Allahabad Bank civil lines allahabad then i came to know that mr. amit jaiswal has left the job. Another person Mr. Akaram helped me in tracessing the documents. After two days of his labour he found the documents in the Almira. He processed the document around 30th june 2015 since then query after query are comming. I met your Brance Manage Mr. Rahul at your ashok nagar, allahabad office. He took all the required papers in around 15th july 2015 and after about one month later around 20th august 2015 a representative of e-meditk came and again took all the photocopy of all the papers again and letter from. He went to the Nazareth hospital for verification the hospital people told him that they don't put the time of discharge of the discharge certificate as the patients the discharged generally after the doctors visit either in the morning or in the evening. the claim is of just Rs.6000/- and it seems that your company use to harass the people who don't go on your listed hospitals for cashless treatment. Till date there is query and no settlement. this shows that the company have no faith in his own staff and the staff have no faith in the company that is why the staffs are leaving the company. It seems that the company is good but the management is very very bad or worst as they are interested in their listed hospital only so that their personal interests are met. the management of the company is not interested in the welfare of the company or of company customer

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subhash.p.s

I have your IOB health policy of Rs.50000 sum assured since last 3 years. Can i increase the sum assured to 1 lakh or 2 lakh during next time renewal without affecting my policy seniority. no claims during last 3 years. please reply regards

dharmenderkambojadvocate

good achivement sir

mahendra31

provided various good things about your company, However, i took health policy from IOB, Bandra-Mumbai in April 2011, but yet not received any thing including policy documents as well as Medical card. so, i presumes that your service is not up to the mark, although, you claimed for it. i am not happy with your service. with regards,

gopalbb

I have taken IOB Health Care Plus from Decccan Gymkhana BrPune on 03.07.2010. I have received two cards from TPA service provider also. But still I have received neither the policy or the receipt of the premium collected which is required at time of filing of Itax return.
Please do needful