Universal Health Shield

Health Insurance That Protects You for Life

Your health is one of your greatest assets. Universal Health Shield is a comprehensive health insurance solution designed to protect you and your loved ones from the day your policy begins—with the added benefit of continued health protection for life through our built-in Health for Life feature.

Whether it’s routine medical care, major surgery, or treatment overseas, Universal Health Shield gives you the confidence to focus on recovery while we take care of the financial burden.

Cover for the Whole Family

Protect yourself, your spouse, and your children up to 22 years of age under a single life insurance policy.

Flexible Health Cover

Choose a health cover that suits your needs, with protection ranging from LKR 1 Million to LKR 50 Million.

Worldwide Medical Protection

Receive treatment anywhere in the world, including the USA and Canada, giving you access to international healthcare when you need it most.*

*Worldwide cover including USA and Canada is available as an optional add-on for LKR 2 Million above plans only.

Lifetime Protection with Health for Life

Once your base life insurance policy ends, your health cover benefit can continue on a yearly renewable basis for the rest of your life through the inbuilt Health for Life feature, subject to policy terms and conditions.

Universal Health Shield offers a comprehensive range of health benefits, including:

• Hospitalisation and surgical expenses
• Enhanced room rent and board benefits
• Over 536 day-care surgical procedures
• Pre and post hospitalisation cover
• Outpatient diagnostic procedures
• Mental health consultations
• Emergency and Home healthcare benefit
• Optical Care, Dental Care, and Pharmacy Benefits
• Wellbeing benefit — During a Cancer or Heart Related diagnosis the benefit limit will be doubled to offer additional support during critical situations.
• Maternity Expenses

Health for Life is an inbuilt feature that keeps your health coverage active beyond your main policy term. Once your base life insurance policy matures or you reach the benefit ceasing age, your health cover can continue on a yearly renewable basis for the rest of your life through the inbuilt Health for Life feature, subject to policy terms and conditions.

Key Features

• Lifetime renewable health cover
• Annual renewal with yearly premium payments
• Coverage continues up to your original annual benefit limit
• Available for the Life Assured and Spouse
• No separate policy required

Your policy is reinsured by one of the world’s leading reinsurers, providing an added layer of financial security and confidence.

• Entry age: 18 to 70 years (Nearest Birthday)
• Covers:
  • Life Assured
  • Spouse
  • Children from 30 days up to age 22
• Cover ceases at age 75 for Life Assured and Spouse (Health for Life may then apply, subject to eligibility)
• Health for Life is available for Life Assured and Spouse only. Children’s cover ceases at age 22.

Universal Health Shield is a health reimbursement rider subject to terms, conditions, waiting periods, and exclusions. Eligibility for the Health for Life feature is subject to eligibility criteria and annual renewal requirements. Please refer to the policy document for full details.