Universal Sompo

Comprehensive Plan: Offers modest cover, outpatient consultations (up to 1% of the Sum Insured), and quick coverage for pre-existing diseases. A decent policy overall.

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whatWeLike What We Like

This section highlights the strengths and benefits of Complete Healthcare Basic policy by Universal Sompo. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

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You can pick any room you like

Room Rent Flexibility: You can choose any room, whether it's a shared room, single room, or deluxe room, as there are no restrictions on room rent wit...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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Full coverage even if you are forced to hospitalize at home

Domiciliary Cover: The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. This i...

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Doctor consultations covered

Coverage for Dental, Hearing Aid, Spectacles, Contact Lenses (?2,500): Up to 1% of the sum insured, max ?2,500. Covers dental, hearing aids, spectacle...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Some Restoration Benefit

Full Cover Restoration for Different Complications: After a partial claim, the insurer will fully restore your cover if you are hospitalized again for...

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Special Bonus for being healthy and not claiming insurance

Sum Insured Increase (10% Annually, Cap at 50%): Your sum insured increases by 10% each year as long as you make no claims during this period. But not...

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Covers Alternative Medicine

Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Complete Healthcare Basic policy by Universal Sompo. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Reasonable waiting period for pre-existing diseases

Coverage After 3 Years: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related costs after a 3-year waiti...

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Free Health Checkups every 2 years

Biannual Full Body Checkup: If you’re planning on getting a full body checkup every 2 years just to make sure you’re in fine working condition, the in...

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Complete Healthcare Basic in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Complete Healthcare Basic Plan is available for individuals and families, offering essential health coverage with an affordable premium.

The plan covers both planned and emergency hospitalizations, including surgeries, room rent, ICU charges, and doctor's fees.

Yes, the plan includes coverage for daycare procedures that do not require overnight hospitalization, such as cataract surgery and dialysis.

Yes, the plan offers discounts for long-term policies and when multiple family members are insured under the same plan.

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