Kotak Mahindra vs Universal Sompo Health Insurance 2026 | PolicyX
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Overview

Zurich Kotak General Insurance offers health plans for individuals and families, covering hospitalisation, daycare treatments and medical expenses.
COMPANY DETAILS ✎ Edit

Kotak Mahindra

 ✎ Edit

Universal Sompo
Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 25 L

Sum Insured

Up to ₹ 25 Cr
Claim ratio

Claim Ratio

96.4%

Claim Ratio

91.58%
Network hospitals

Network Hospital

22600+

Network Hospital

4000+
Solvency Ratio

Solvency Ratio

5.73

Solvency Ratio

1.97
Pan India Presence

Pan India Presence

19

Pan India Presence

96
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

748.22 Crore

Annual premium (company level)

5,078.45 Crore
Years in operation

Years in operation

2015

Years in operation

2007
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

96.76

Claims settled within 3 months

61.18%
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Zurich Kotak Health Insurance Review 2025 | Benefits, Premium & Claim Process Explained

▶ Zurich Kotak Health Insurance Review 2025 | Benefits, Premium & Claim Process Explained

Universal Sompo Health Insurance

▶ Universal Sompo Health Insurance
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Zurich Kotak Health Insurance

Most popular
Group Health Insurance

Zurich Kotak Group Health Care Policy

The Kotak Group Health Care insurance plan is detailed here, tailored for active members of Kotak Mahindra Bank and their dependen...

  • Domiciliary treatment cover
  • Get wellness benefits
  • Optional covers available
  • Domiciliary hospitalization
  • Daycare procedures
  • Donor expenses
  • In-patient treatment care
  • Obesity treatment unavailable
  • Breach of law
  • Cosmetic surgery
  • Maternity not covered
  • Room rent capping
  • AYUSH cover
  • Wellness benefits
  • Entry age - 18-55 Years
  • SI - 3/4/5 Lakhs
  • Plan type- Individual
  • Waiting Period - 30 days
View plan
Individual

Zurich Kotak Accident Care Plan

The Zurich Kotak Accident Care Plan provides financial protection against the impact of accidents, covering treatment, hospitaliza...

  • Funeral expenses extensions
  • Children’s education grant
  • Lifelong renewability
  • Children education grant
  • Dead remains transportation
  • Convalescence benefit
  • Accident daily cash benefit
  • Room rent charges
  • Pre and post-hospitalization
  • Mental disorders
  • Self-inflicted injury
  • Ambulance charges
  • Accidental death
  • TTD PTD PPD cover
  • Entry Age 5 to 65 years
  • Policy term 1/2/3 years
View plan
Individual and Family Health Insurance

Zurich Kotak Health Premier Plan

Kotak Mahindra Health Premier Plan offers comprehensive and customizable health insurance for individuals and families, available ...

  • Comprehensive coverage
  • Value-added benefits
  • Customizable plans
  • In-patient treatment
  • daycare treatment
  • ambulance cover
  • restoration benefit
  • Global coverage
  • modern treatment
  • IVF cover
  • Adventure sports
  • Maternity benefit
  • cumulative bonus
  • compassionate travel
  • vaccination
  • Entry age 18 years (min) - 65 years (max)
  • SI 2 Lakh to 2 Crore
  • Initial waiting period 30 days
  • Policy period 1/2/3 years
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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