Universal Sompo Critical Illness insurance

Eligibility Criteria of Universal Sompo Critical Illness

• sum Insured - 250000 INR,500000 INR, 750000 INR, 1000000 INR, 1250000 INR, 1500000 INR, 1750000 INR, 2000000 INR
• Covered for - Self Spouse, Dependent parents or Parents-in-law, Dependent children
• Entry Age 18-65 years
• Dependent Children can be covered from - 5 years – 25 years
• Renewal - Lifetime
• Policy Period - 1 years
• Policy Type - Individual
• Medical check up required Above 55years & on Positive declaration
• Long Term Discount - 10% for 2 years & 15% for 3 years

Coverages of Universal Sompo Critical Illness

1. Such Critical Illness first occurs or manifests itself during the policy period; and
2. The signs or symptoms of such Critical illness commence after 90 days from the date of commencement of the Policy and
3. You/the Insured Person survives for a minimum period of at least 30 days from the date of diagnosis of such Critical Illness for the claim to be admissible

• Cancer of specified severity
• First Heart Attack of specified severity
• Open Chest CABG
• Open Heart Replacement
• Coma of Specified Severity
• Kidney Failure requiring regular dialysis
• Stroke resulting in permanent symptoms
• Major Organ /Bone Marrow Transplant
• Motor Neurone Disease with Permanent Symptoms
• Permanent Paralysis of Limbs
• Multiple Sclerosis with persisting symptoms

Exclusions of Universal Sompo Critical Illness

• Any Illness, sickness or disease, other than specified as Critical Illness, as mentioned in the Policy schedule, or
• Any Critical Illness of which, the signs or symptoms first occurred prior to or within Ninety (90) days following the Policy Issue Date or the last Commencement Date, whichever is later, or
• Any Critical Illness based on a diagnosis made by the you or your Immediate Family Member or anyone who is living in the same household as you or by a herbalists, acupuncturist or other non-traditional health care provider; and
• Cosmetic or plastic surgery or any elective surgery or cosmetic procedure that improve physical appearance, surgical and non-surgical treatment of obesity (including morbid obesity) and weight control programs, or treatment of an optional nature;
• Special nursing care, routine health checks or convalescence, Custodial Care, general debility, lethargy, rest cure;
• Any investigation(s) or treatments not directly related to a Covered Illness or Covered Injury or the conditions or diagnosis necessitating hospital admission;