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Complete Healthcare Insurance
Universal Sompo Complete Healthcare Insurance is a comprehensive health insurance plan that takes care of your medical bills during the tim…
- E-consultations
- Second medical opinions
- Vaccination
- Daily hospital cash
Universal Sompo Health Insurance
Universal Sompo Health Insurance
Universal Sompo General Insurance, a public-private partnership, is a joint venture of Allahabad Bank, Karnataka Bank, ...Read More
4,000+
Cashless hospitals
91.58%
Claim settlement
25 Cr
Max sum insured
2
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,690 reviews
🏥 4,000+ hospitals
📊 1.97x solvency ratio
✅ 91.58% claim settlement
What you get with Universal Sompo Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 25 Cr
Coverage scales from entry-level individual plans to high-end family-floater protection.
4,000+ cashless hospitals
Direct billing at network hospitals across 96 presence — no out-of-pocket payment at admission.
91.58% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
1.97x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
2 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About Universal Sompo Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
Universal Sompo Health Insurance: Overview
Universal Sompo General Insurance is a private-public partnership venture in the Indian general insurance industry. It is a joint venture between Allahabad Bank, Karnataka Bank, Indian Overseas Bank, Dabur Investment Corporation, and Sompo Japan.
Universal Sompo Health Insurance offers a variety of health insurance plans such as individual health insurance, family health insurance, critical illness, top-up health insurance, group health insurance, health insurance for coronavirus, and more that provide the needful financial assistance in times of medical emergencies. You can easily buy the Universal Sompo Health Insurance Plan online. Universal Sompo has 86 branch offices and tie-ups with over 4000 Network Hospitals across India.
Universal Sompo health insurance awards and accolades.
- Best BFSI Brand by Economic Times 2021-22' Award
- Customer Service- Insurance Alerts India, 2021-22
- Best Technology for Good Project 2021-22
Why Choose Universal Sompo Health Insurance?
Why Should You Buy Universal Sompo Health Insurance?
4,000+ network hospitals across India, allowing customers to enjoy hassle-free cashless hospitalization Claim support of Universal Sompo General Insurance company is 95.77% as per the IRDAI 2021-22 Report As per the IRDAI Annual Report 2021-22, the annual premium of Universal Sompo is 3456.12 Crores
Choose Universal Sompo Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Universal Sompo Health Insurance
It talks about the Solvency Ratio, and Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer. It also mentions the Network Hospitals & other Key Benefits.
All 2 Universal Sompo Health Insurance plans
Every plan currently being sold by Universal Sompo Health Insurance, shown side-by-side so you can shortlist quickly.
Universal Sompo Eyewear Plan
'Beauty lies in the eyes of the beholder.' - Plato This is the reason you should protect your eyes at any cost. The eyes are one of the mos…
- Fire and allied perils
- Accidental Damage
- Burglary including theft
Quick comparison
Side-by-side across the 2 most-bought Universal Sompo Health Insurance plans on PolicyX.
| Feature | Complete Healthcare Insurance | Universal Sompo Eyewear Plan |
|---|---|---|
| Plan type | Individual and Family Health Insurance | Individual |
| Sum insured | 10 L, 25 L, 50 L, 1 Cr, 2 Cr, 5… | 500, 50000 |
| Entry age | Minimum 18 years, Maximum 75 years | 18 years |
| Top benefits | E-consultations · Second medical opinions | Fire and allied perils · Accidental Damage |
What's covered — and what's not
The standard inclusions and exclusions across Universal Sompo Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- Universal Sompo Health Insurance offers pre and post-hospitalization expenses related to in-patient hospitalization.
- Most Universal Sompo Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
- Universal Sompo health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
- Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Universal Sompo health insurance plans are designed to cover daycare procedures for policyholders.
- On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Universal Sompo health insurance plans cover domiciliary hospitalization up to specified sub-limits.
✗ Exclusions
- Universal Sompo health policies will not cover injuries or hospitalization caused by self-harm.
- Universal Sompo Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
- Universal Sompo Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
- Universal Sompo Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
- Universal Sompo health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
4,000+ cashless hospitals
Find a Universal Sompo Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking forward to purchasing Universal Sompo Health insurance online follow the simple steps below:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare Universal Sompo Health Insurance Plans per your needs.
- Step 3
Select and pay premiums online for your chosen purchased star health insurance plan.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Universal Sompo Health Insurance plan.
Buying Policy from Official Website
- Step 1
Visit the official website of Universal Sompo Insurance Company and click on the 'Products' tab.
- Step 2
Choose the 'Health' category.
- Step 3
Check the plans as per your needs and tap the 'Buy' button.
- Step 4
Fill in all the details required and make the payment.
- Step 5
Your policy-related documents will be mailed to you at your registered email address.
To buy the best health insurance plans in India, reach out to the insurance advisors of PolicyX.com at 1800-4200-269 and feel free to raise your queries about comparing health insurance policies before buying.
You can file for cashless as well as reimbursement claims for your Universal Sompo Health Insurance Plans by following these easy steps:
- Step 1
You need to inform the insurer within 24 hours of emergency hospitalization and 48 hours before a planned admission to the network hospital.
- Step 2
Show your health card along with valid ID proof and fill in the details in the cashless request form.
- Step 3
Submit the form at the hospital insurance helpdesk.
- Step 4
The hospital will then verify the information provided and send the form to the company.
- Step 5
The company will verify the details and communicate its decision to you and the hospital.
- Step 6
On acceptance, the company will directly settle the expenses with the hospital.
Frequently asked questions
The 9 most-asked questions about Universal Sompo Health Insurance, answered.
Yes. Under this plan, you can avail of the benefit of in-patient direct settlement.
Yes, the plan offers a loyalty discount of 5% on the premium to the existing policyholders
Yes, the policyholder gets coverage against the expenses incurred on the treatment of cataracts.
The plan allows the individuals to get free access to the company& 039;s Health & Wellbeing Services that includes: Active life programmes specially designed to guide you to your health goals Health & Wellbeing programmes with up to date clinically validated support information Active care programmes designed to prevent illness or manage existing conditions Offers help for the issues such as medical information, diet and nutrition, help to stop smoking, and even guidance on travelling overseas
A policyholder can pay the premiums of a universal health insurance plan via online and offline mode. Through online mode Internet Banking Debit Card Credit Card UPI Through offline mode You can pay your policy premium by visiting the nearest Universal Sompo branch.
If you cancel your health policy before the policy& 039;s end date, your policy will terminate and a part of the premium will be reimbursed to you according to the policy& 039;s cancellation terms, which may vary from plan to plan.
Yes, you can check the status of the policy online or via a toll-free number. Registered users can simply log in to e-Portal with their username and password.
Medical examinations may be required for those over 45-55 years old when buying a new health plan, Apart from the age of the applicants, the medical examination also depends on the plan and the declaration of pre-existing diseases.
Yes, international citizens can buy health insurance plans in India. Your medical insurance will only be valid in India.
Compare Health Insurance Companies
Pick any two insurers to see a detailed side-by-side comparison.
Other Health Insurance Companies
Compare Universal Sompo Health Insurance mediclaim policies with other top insurers in India.
Customer satisfaction
Aggregate ratings from 2,690 verified PolicyX customers who bought a Universal Sompo Health Insurance plan.
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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