Page 48 - Insurance Times August 2019

Non-Life Insurance Plan

Individual Health

Insurance

from Universal Sompo General

Insurance Company Limited

H ealth Insurance policy of Universal Sompo is of- Add-on Cover:

fered to individual and/or his family. The policy de-
The Policy can be extended to cover certain Critical Illness
signed to pay the Insured person(s) the hospital-
ization expenses as well as domiciliary hospitaliza- Exclusions
tion benefits if he/she suffers an illness or accidental injury
The Policy covers loss or damage to the Insured Person
during the policy period. arising out of:
Y Treatments only in the Hospitals / Nursing homes in
Y Pre-existing diseases are not covered.
India are covered.
Y Any expense on hospitalization or domiciliary hospital-
Y The coverage includes expenses incurred towards
ization incurred on account of any illness contacted
room, boarding expenses, nursing expenses, surgeon
during first 30 days from the date of commencement
/ specialist fees, charges for blood, oxygen etc.
of an insurance cover is not covered. However, this ex-
Y Domiciliary hospitalization benefit means Medical clusion shall not be applicable if Hospitalization is re-
treatment for a period exceeding 3 days for such ill- quired on account of an accident.
ness which in the normal course require treatment in
Y During the first year of the cover, the expense of treat-
a hospital but actually taken whilst confined at home ment of diseases such as Cataract, Benign Prostatic Hy-
in India since.
pertrophy, Hysterectomy, Piles, Sinusitis and related
(1) the condition of the patient is such that he can- disorders not payable.
not be removed to a hospital or.
Y Injury or disease directly or indirectly attributable to
(2) the patient cannot be removed to the hospital for War, invasion, Act of Foreign enemy not payable.
lack of accommodation.
Y Circumcision unless necessary for treatment of a dis-
Y The indemnity provided by the policy is restricted to ease is excluded.
sum insured and the sub-limits provided in the sched-
Y Cost of spectacles, contact lenses, hearing aids are
ule.
excluded.
Y Premium is calculated depending on the age of the
Y Dental treatment or surgery of any kind unless hospi-
insured and the sum insured selected.
talization is required is excluded.
Y If Your age or Your dependant's age is more than 45
Y Venereal diseases, intentional self-injury and use of in-
years , You /Your dependents shall have to undergo
toxicating drugs/alcohol are excluded.
medical tests as prescribed by Us and the cost of such
Y Any treatment directly or indirectly for treatment as-
expenses shall be borne by You.
sociated with AIDS.
Y The entry age under the policy should be less than 55
Y Cosmetic or aesthetic treatment is excluded.
years.
Y Voluntary termination of Pregnancy.
Y Maximum coverage is Rs.5 lacs.
Y Pregnancy and Child-birth.
Y As per Income Tax Act, the premium paid for this cover
is exempted from tax under Section 80 D. Y Naturopathy Treatment. T

48 The Insurance Times, August 2019