United India vs Universal Sompo Health Insurance 2026

Overview

United India Insurance (a government-owned insurer founded in 1938) offers health plans from basic to advanced needs, plus critical illness, maternity and senior-citizen options.

COMPANY DETAILS

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United India

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Universal Sompo

Number of health insurance plans	No. of Plans 1 ❯	No. of Plans 2 ❯
Sum insured	Sum Insured Up to ₹ 95 Lakh	Sum Insured Up to ₹ 25 Cr
Claim ratio	Claim Ratio 91.10%	Claim Ratio 91.58%
Network hospitals	Network Hospital 14000+	Network Hospital 4000+
Solvency Ratio	Solvency Ratio -0.65	Solvency Ratio 1.97
Pan India Presence	Pan India Presence 1537	Pan India Presence 96
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 7,519.28 Crore	Annual premium (company level) 5,078.45 Crore
Years in operation	Years in operation 1938	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	Claims settled within 3 months 61.18%
Recommended Videos	▶ United India Health Insurance ▶ Universal Sompo Health Insurance

Health Insurance Companies

Finding a reliable insurance company is as critical as purchasing suitable medical insurance plans to avail of all the expected benefits of the policy. Here are the 28 most trusted health insurance providers in India.

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United India Health Insurance

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Universal Sompo Health Insurance

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Know More About Health Insurance Companies

United India Health Insurance

United India Family Medicare

The United India Family Medicare Policy offers a cost-effective health insurance solution for individuals and families, covering t...

High SI
Optional Covers
ICU Cover

In-patient hospitalization
Day-care treatments
Pre & post-hospitalization
AYUSH treatment

Vaccination unavailable
OPD cover
Domiciliary hospitalization
Global coverage

Organ donor
Maternity & newborn baby cover
Daily hospital cash
Sum Insured restoration

Entry age: Min. 18 yrs/ Max. 65 yrs
SI: 3 to 25 Lakhs
Initial waiting period: 30 Days
Policy term: 1 year

View plan

Universal Sompo Health Insurance

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

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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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Compare with Other Insurers

New India Health Future Generali Cholamandalam Ms Kotak Mahindra Oriental Health Acko Health Navi Health Digit Health Universal Sompo Tata Aig Bajaj General Star Health Shriram Health Insurance Company Apollo Munich Health Insurance Icici Lombard Iffco Tokio National Health Reliance Health Royal Sundaram Hdfc Ergo Sbi Health Niva Bupa Health Care Health Manipal Cigna Aditya Birla Edelweiss Health Insurance Liberty Health Magma Health Raheja Qbe Galaxy Health Narayana Health Insurance

New India Health United India Future Generali Cholamandalam Ms Kotak Mahindra Oriental Health Acko Health Navi Health Digit Health Tata Aig Bajaj General Star Health Shriram Health Insurance Company Apollo Munich Health Insurance Icici Lombard Iffco Tokio National Health Reliance Health Royal Sundaram Hdfc Ergo Sbi Health Niva Bupa Health Care Health Manipal Cigna Aditya Birla Edelweiss Health Insurance Liberty Health Magma Health Raheja Qbe Galaxy Health Narayana Health Insurance

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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