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.