Universal Sompo health Insurance Plans

Universal Sompo Corona Kavach Insurance

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Coverage type
Coverage amount
Date of birth
  OR age    years
* Name, Email Id & Mobile No. are optional 

Universal Sompo Corona Kavach - highlights

  • COVID Hospitalization Cover.
  • Home Care Treatment Expenses
  • AYUSH Covered
  • Covered for Individual / Floater
  • Universal Sompo Health Corona Kavach policy shall be offered with a policy term of 3 ½ months, 6 ½ months and 9 ½ months

Universal Sompo Health Insurance Review

Universal Sompo Health Insurance
Number of lives covered *
Incurred Claims Ratio *
Universal Sompo Insurance tenure options
1 or 2 years options available
Claims Settlement Ratio 20-21**
List of network hospitals
5,000+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 4 dependent children
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Universal Sompo Corona Kavach health insurance review

  • Eligibility
  • Benefits

Eligibility of Universal Sompo Corona Kavach Health Insurance

  • Minimum entry age shall be 18 years and maximum age at entry shall not be less than 65 years
  • Dependent Children: 1 day to 25 years

Benefits of Universal Sompo health Corona Kavach Insurance

Particulars Details of the Plan
Entry age Minimum entry age shall be 18 years and maximum age at entry shall not be less than 65 years
Minimum and Maximum Sum Insured ₹50,000/- (Fifty Thousand) to ₹5,00,000/- (Five Lacs) (in the multiples of fifty thousand)
Policy Period Corona Kavach policy shall be offered with a policy term of
  • Three and half months (3 ½ months)
  • Six and half months (6 ½ months)
Nine and half months (9 ½ months)
Base Cover
Hospitalization Cover Medical expenses incurred on hospitalization for Covid for minimum period of 24 hours including pre-hospitalization expenses for a period of 15 days and post hospitalization expenses for a period of 30 days.
Road Ambulance Rs 2000/- per Hospitalization
Home Care Treatment Expenses Costs of treatment incurred person on by the on availing treatment at home maximum up to 14 days per admission as per policy terms and conditions including pre-hospitalization expenses for a period of 15 days and post hospitalization expenses for a period of 30days
Ayush Treatment Medical expenses incurred on hospitalization for Covid under AYUSH Treatment
Pre Hospitalization Expenses 15 days
Post Hospitalization Expenses 30 days
Post Hospitalization Expenses 30 days
Optional Cover
Hospital Daily Cash Optional Cover
Modes of premium payment Single premium payment mode shall only be allowed.
Waiting Period 15 days
Tax Benefits As per Section 80D, Income Tax Act 1961

FAQs for Universal Sompo Corona Kavach medical insurance for Covid19

You can avail coverage from ₹50,000/- (Fifty Thousand) to ₹5,00,000 (Five Lakh) under Kavach plan, a specific health insurance policy for coronavirus treatment. The policy can be bought on Individual basis only.

What is the need for a separate Covid health insurance policy ?

An Individual can avail this policy to take care of their treatment expenses arising out of Covid-19 and avoids out of pocket expenses. In the case of existing health insurance policyholders, holding an additional Covid-specific policy would make the coverage more comprehensive. Unlike a basic health insurance policy, a Covid specific policy covers medical treatment incurred during home quarantine and at Covid care centres, even if it does not ultimately lead to hospitalisation. Additionally, the policy covers expenses towards PPE's, masks, gloves, oximeters, oxygen cylinders, nebulisers, AYUSH treatment etc.

This plan will cover the medical expenses incurred for hospitalisation of the insured person during the Policy period for the treatment of Covid-19 on positive diagnosis of the condition in a government authorized diagnostic centre including the expenses incurred on treatment of any co-morbidity along with the treatment for Covid-19 up to the Sum Insured specified in the policy schedule, for

  • Room Rent, Boarding, Nursing Expenses as provided by the Hospital/ Nursing Home.
  • Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.
  • Surgeon, Anaesthetist , Medical Practitioner , Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital.
  • Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and such similar other expenses.

This policy can be availed by persons between the age of 18 Years and 65 Years, as Proposer.

Three and half months (3½ months), Six and half months (6½ months), Nine and half months (9½ months) including waiting periods are the tenure options.

You can proceed with the claim if you test positive with COVID-19 at any of the government authorized diagnostic Centre. Once you receive the report you can inform the insurer and can proceed with the claim.

Can I buy Universal Sompo Corona Kavach Covid19 health insurance policy online?

Yes, you can buy Corona Kavach health insurance policy online from eindiainsurance .You can select the policy from any of the insurance providers as per your preference, make the payment and receive the policy over e-mail.

Is there any waiting period applicable to Universal Sompo Corona Kavach Policy?

Yes, this policy comes with a waiting period of 15 days and you can only file a claim after completion of 15 days.

Yes, Corona Kavach health insurance policy covers comorbidities and pre-existing comorbidities. This is however subjective to each insurance company, so check the policy wordings before making a decision.

Yes. You can avail a tax benefit available under Section 80D of the Income Tax Act 1961 by buying a health insurance policy. Every taxpayer can avail an annual deduction of Rs. 15,000 from his/her taxable income for premium for self, spouse and dependent children. For senior citizens, this amount is Rs. 20,000. Please note that you will have to show the proof of payment of premium. (Section 80D benefit is in addition to the exemption of Rs 1,50,000 under Section 80 C). Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.


Review Universal Sompo Corona Kavach insurance - Comprehensive prospectus to understand coverage details.

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Proposal form

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Policy wordings

Review Universal Sompo Corona Kavach insurance - Comprehensive policy wordings which explains the terms and conditions.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022