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Phone:011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria@surekhae.com, ibidelhi@gmail.com
Individual Insurance Plan, Family Health Insurance Products in India (Single Person)
 
(1) Features of Individual Health Insurance Policies (2) Premium Rate of Individual Health Insurance
(3) Coverage & Exclusion under Individual Insurance (4) Policy Wording/ Proposal Form/ Brochure
(5) Product details of Various Companies for Individual Health Insurance
General/ Health Insurance Companies Products
Apollo Munich Insurance Co. Ltd.
Bajaj Allianz General Insurance Company Limited
Cholamandalam Ms General Insurance Company Limited
Future Generali India Insurance Co. Ltd.
HDFC Ergo General Insurance Company Limited
ICICI Lombard General Insurance Co. Ltd.
IFFCO Tokio General Insurance Co. Ltd.
National Insurance Company Limited
Reliance General Insurance Co. Ltd.
Religare Health Insurance Company Limited
Royal Sundram Alliance Insurance Company Limited
Star Health and Allied Insurance Co. Ltd.
Tata AIG General Insurance Co. Ltd.
The New India Assurance Co. Ltd.
The Oriental Insurance Co. Ltd.
United India Insurance Co. Ltd.
Universal Sompo General Insurance Co. Ltd.
(6) Specimen Premium Rates of Insurance Company's
5- Universal Sompo Individual Health Insurance Policy
Individual Health Insurance Policy
Health Insurance policy of Universal Sompo is offered to individual and/or his family. The policy 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
  • Domicillary 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 provided in the schedule
  • Premium is calculated depending on the age of the insured and the sum insured selected
  • If Your age or Your dependants age is more than 45 years , You /Your dependents shall have to undergo medical tests as prescribed by Us and the cost of such expenses shall be borne by You
  • The entry age under the policy should be less than 55 years
  • Maximum coverage is Rs.5 lacs
  • As per Income Tax Act, the premium paid for this cover is exempted from tax under Section 80 D
Add-on Cover: The Policy can be extended to cover certain Critical Illness
Exclusions
The Policy covers loss or damage to the Insured Person arising out of:
  • Pre-existing diseases are not covered
  • Any expense on hospitalization or domiciliary hospitalization incurred on account of any illness contacted during first 30 days from the date of commencement of an insurance cover is not covered. However this exclusion shall not be applicable if Hospitalization is required on account of an accident
  • During the first year of the cover, the expense on treatment of diseases such as Cataract, Benign Prostatic Hypertrophy, Hysterectomy, Piles, Sinusitis and related disorders not payable
  • Injury or disease directly or indirectly attributable to War, invasion, Act of Foreign enemy not payable
  • Circumcision unless necessary for treatment of a disease is excluded
  • Cost of spectacles, contact lenses, hearing aids are excluded
  • Dental treatment or surgery of any kind unless hospitalization is required is excluded
  • Venereal diseases, intentional self injury and use of intoxicating drugs/alcohol is excluded
  • Any treatment directly or indirectly for treatment associated with AIDS
  • Cosmetic or aesthetic treatment is excluded
  • Voluntary termination of Pregnancy
  • Pregnancy and Child-birth
  • Naturopathy Treatment
         
 
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