Universal Sompo K Bank Health Care Plus Policy

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Universal Sompo K Bank Health Care Plus

The Universal Sompo K Bank Health Care Plus policy is perfect for all the people as it covers most of the financial issues related to health. It covers sudden illness arising out of any medical condition or some accidental conditions, accidents, and surgeries required to treat some kind of disease or accidental injuries.

Key Benefits

The key benefits of the Universal Sompo K Bank Health Care Plus are as discussed below:

√All Expenses Covered:
Whether the insured is about to be hospitalized, or he is already in the hospital, or his treatment is being continued and he has already been discharged from the hospital, all are covered under the Universal Sompo K Bank Health Care Plus.
√Ambulance Expenses:
Not only the nursing and the medicine expenses, but the additional expenses, such as that of emergency ambulance etc. would also be covered.
√Free Health Check-up
Since you want to stay healthy and not just make use of the policy to treat diseases which you did not want, free health checkups are recommended and it would be even easier to get them when they are provided for free under the Universal Sompo K Bank Health Care Plus.
√Funeral Expense
In case the insured suffers death during the treatment or because of the accident, the Universal Sompo K Bank Health Care Plus would cover his funeral expenses as well.

Major Exclusions:

√Waiting Period
One cannot just go to the hospital the next day of taking the policy that he has some illness and it needs to be treated. He would have to wait for a period of 30 days to claim his first illness expense.
√Pre-Existing Diseases
Any diseases that the insured is having since a long time, would not be covered. However, after a certain time, they might be covered under the Universal Sompo K Bank Health Care Plus policy.
√Unnecessary Surgeries
Any cosmetic surgeries or unnecessary surgeries, which are not recommended by the doctors for the treatment of disease or accident, would not be covered.

Additional Benefits of the Policy

	Name of the Benefit	The Advantage
01	Tax Benefit	As mentioned under the Section 80D of the Income tax act, the premium component of the Universal Sompo K Bank Health Care Plus would be eligible for rebate.
02	Extensible Sum	The sum insured depends upon the choice of the insured and can extend up to Rs 5 lakhs
03	Portable	The Universal Sompo K Bank Health Care Plus is portable as well, the insured can switch from one policy to another if he likes and the IRDA instructions would then tell how much credit would be provided.
04	Free Lookup Period	A 15 days period of free look up period is provided. The insured can thus understand the terms and conditions well.

Frequently Asked Questions

√What is included in maternity expense?
The childbirth expenses and the expenses till the termination of the pregnancy period would be covered under the policy.
√What would be the policy term period?
The policy term period would be 12 months from the date of commencing of the policy.