Digit Health vs Universal Sompo Health Insurance 2026 | PolicyX
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Overview

Established in 2016, Digit Insurance makes health insurance simple, transparent and easy to manage—ideal for first-time buyers. With 16,400+ network hospitals it offers wide cashless cover and a digital-first experience; named Asia's General Insurance.
COMPANY DETAILS ✎ Edit

Digit Health

 ✎ Edit

Universal Sompo
Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 1 Crore

Sum Insured

Up to ₹ 25 Cr
Claim ratio

Claim Ratio

99%

Claim Ratio

91.58%
Network hospitals

Network Hospital

9000+

Network Hospital

4000+
Solvency Ratio

Solvency Ratio

3.85

Solvency Ratio

1.97
Pan India Presence

Pan India Presence

10

Pan India Presence

96
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

1,625.93 Crore

Annual premium (company level)

5,078.45 Crore
Years in operation

Years in operation

8 years

Years in operation

2007
24×7 claim support

24×7 claim support

No

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

96.71

Claims settled within 3 months

61.18%
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Universal Sompo Health Insurance

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Digit Health Insurance

Most popular
Individual and Family Health Insurance

Digit Arogya Sanjeevani Plan

Digit Arogya Sanjeevani is a standard health insurance policy, available as an individual or family floater plan, offering sum ins...

  • Lifelong Renewability
  • Affordable Premiums
  • SI Upto 2 Crores
  • High sum insured up to ₹2 Crores
  • AYUSH cover
  • Ambulance Cover
  • Adventure Sports
  • Self-harm
  • Obesity or weight control
  • Modern treatment cover
  • Cataract Cover
  • Dental Treatment
  • Minimum Entry Age: 18 Years
  • Maximum Entry Age: 65 Years
  • Sum Insured: ₹3 Lakhs - ₹2 Crores
  • Initial Waiting Period: 30 Days
View plan
Individual and Family Health Insurance

Digit Health Care Plus Policy

Digit Health Care Plus is a comprehensive health policy offering 360-degree coverage, including base benefits like room rent, ICU,...

  • OPD Benefit
  • Maternity & Newborn Cover
  • Critical Illness Cover
  • Accidental Hospitalization Cover
  • Critical Illness Cover
  • Cancer cover
  • No global cover
  • Illegal activities not covered
  • No obesity covered
  • Sum Insured Refill Benefit
  • Psychiatric Illness
  • Hearing Aids
  • Min. Entry Age - 18
  • Max. Entry Age - No Limit
  • SI - Unlimited
  • Initial Waiting Period - 30 Days
View plan
Accident Health Insurance

Digit Personal Accident Plan

Digit Personal Accident Insurance provides crucial financial and medical protection against the high risk of accidents, covering a...

  • No room rent capping
  • Zero co-payment
  • Accidental death & disability cover
  • Accidental death
  • Total or partial disability
  • Loss of income cover
  • Self-inflicted injuries
  • Alcoholism or drug abuse
  • War and terrorism affairs
  • Hospitalisation expenses
  • Benefits for children
  • Adventure sports injury cover
  • Minimum- 18 years
  • Plan type- Individual
  • Initial waiting period- 30 days
View plan

Universal Sompo Health Insurance

Most popular
Individual

Universal Sompo Eyewear Plan

Universal Sompo offers specialized eyewear insurance plans to cover vision needs like spectacles, lenses, and sunglasses. These po...

  • Special Eyewear Coverage
  • Discounts on Premiums
  • Deductibles Available
  • Fire and allied perils
  • Accidental Damage
  • Burglary including theft
  • Damage due to mishandling
  • Defect in manufacturing
  • Replacement of the spectacles/lens
  • Spectacles
  • Lenses & Sunglasses cover
  • Cover within India & Abroad
  • SI - 500 - 50000
  • Policy Term - 1 Year
  • Initial Waiting Period - Coverage from day 1
  • Plan Type - Individual/ Group
View plan
Individual and Family Health Insurance

Complete Healthcare Insurance

The Universal Sompo Complete Healthcare Policy offers comprehensive health insurance for individuals and families, covering hospit...

  • Restoration Benefit
  • Second Medical Opinion
  • 3 Variants
  • E-consultations
  • Second medical opinions
  • Vaccination
  • Daily hospital cash
  • Compassionate travel
  • Maternity benefit
  • Newborn baby cover
  • IVF not covered
  • Global coverage
  • In-patient hospitalization
  • Pre & post-hospitalization
  • Daycare procedures
  • Domiciliary care
  • Minimum: 18 years
  • Maximum: 75 years
  • Sum Insured: ₹1 L - ₹10 L
  • Initial Waiting Period: 30 Days
View plan

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Expert Reviewed

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

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