Universal Sompo Complete healthcare Policy - Benefits, Coverage, Features
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Universal Sompo Health Insurance Universal Sompo Health Insurance ★ 4.4

Complete Healthcare Insurance

Comprehensive health insurance covers basic to advanced healthcare fac ...Read More

Up to 25 Cr
Sum insured
1
No. of plans
96+
Pan India presence
91.58%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,690 reviews
🏥 4,000+ hospitals
📊 1.97 solvency ratio
✅ 91.58% claim settlement

Comprehensive health insurance covers basic to advanced healthcare facilitations that include hospitalization expenses, ambulance charges, daycare procedures, AYUSH treatment, etc. 

Why Do We Recommend This?
  • Over 141 daycare procedures are covered
  • Compassionate travel and modern treatment cover
  • Second medical opinion for specified illnesses are covered

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Minimum 18 years, Maximum 75 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹10 L, ₹25 L, ₹50 L, ₹1 L, ₹2 L, ₹5 L, ₹10 L, ₹25 L
Waiting period
30 days*
Renewability
Lifelong
Policy term
1, 2, 3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • E-consultations
  • Second medical opinions
  • Vaccination
  • Daily hospital cash
  • Compassionate travel

Cons

  • Maternity benefit
  • Newborn baby cover
  • IVF not covered
  • Global coverage

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Covered
  • Global coverage Not covered

Universal Sompo Health Insurance Network Hospital List

Universal Sompo Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Universal Sompo Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Minimum: 18 years
  • Maximum: 75 years
  • SI: - 1 - 10 L
  • Initial Waiting Period: - 30 Days

Frequently Asked Questions

The 11 most-asked questions about Complete Healthcare Insurance, answered.

The minimum entry age for adults is 18 years, and the maximum entry age is 75 years. For dependent children, the minimum entry age is 91 days, and the maximum entry age is 25 years.
The minimum sum insured is 1 lakh rupees, and the maximum sum insured is 50 lakh rupees.
The policy period options available are 1 year, 2 years, and 3 years.
Yes, there is a waiting period of 48 months for pre-existing diseases.
The policy covers expenses related to in-patient hospitalization, including room rent, boarding expenses, nursing services, ICU charges, medical practitioner fees, surgeries, medicines, and diagnostic procedures.
Yes, the policy covers pre-hospitalization expenses incurred within 30 days before hospitalization and post-hospitalization expenses incurred within 60 days after discharge from the hospital.
Yes, the policy offers benefits such as restored sum insured, cumulative bonus, health check-up coverage, domiciliary treatment coverage, ambulance coverage, dental treatment in case of accidents, AYUSH benefit, daily cash for accompanying an insured child, vaccination coverage, and more.
Yes, some exclusions include ongoing diagnostic expenses, obesity/weight control treatments, cosmetic or plastic surgery, hazardous or adventure sports injuries, and treatment for the temporomandibular joint.
The add-on services include Dial-a-Doctor for telephonic or online consultations, Health Educational Library for People (HELP) for access to health experts and educational resources, second medical opinion, specialist consultation with follow-up sessions, and wellness package discounts.
The grace period of the Universal Sompo Complete Healthcare Insurance Plan is 30 days.
Yes, this palm provides a portability option. The person may transfer his current health insurance policy from another firm to this one if he so chooses. Requests for such portability must be made at least 45 days prior to the expiration of the prior policy being migrated.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 May 2026 · Originally published: 10 Oct 2024

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