United India vs Universal Sompo

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Overview

United India Insurance Company Limited is one of India's oldest government-owned insurers, established in 1938. It offers a range of health insurance plans covering basic to advanced medical needs, along with specialized options for critical illness, maternity, and senior citizens. In addition to health insurance, the company provides motor, personal accident, and home insurance products. With decades of experience and a wide product portfolio, it is a stable and practical choice for those comparing insurers based on coverage options and long-term reliability.
COMPANY DETAILS Edit

United India

Edit

Universal Sompo

Number of health insurance plans
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
IRDAI registration number

IRDAI registration number

545

IRDAI registration number

134
Claims settled within 3 months

Claims settled within 3 months

96

Claims settled within 3 months

61.18%
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United India Health Insurance

United India Health Insurance

Universal Sompo Health Insurance

Universal Sompo Health Insurance

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United India Health Insurance

Individual and Family Health Insurance

A cost-effective insurance option is the United India Insurance Family Medicare Policy. Anyone between 18 and 65 can get this insurance for themselves...

Unique Features

  • High SI
  • Optional Covers
  • ICU Cover

United India Family Medicare (Pros)

United India Family Medicare
  • In-patient hospitalization
  • Day-care treatments
  • Pre & post-hospitalization
  • AYUSH treatment

United India Family Medicare (Cons)

United India Family Medicare
  • Vaccination unavailable
  • OPD cover
  • Domiciliary hospitalization
  • Global coverage

United India Family Medicare (Other Benefits)

United India Family Medicare
  • Organ donor
  • Maternity & newborn baby cover
  • Daily hospital cash
  • Sum Insured restoration

United India Family Medicare (Eligibility Criteria)

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

Universal Sompo Health Insurance

Individual

'Beauty lies in the eyes of the beholder.' - PlatoThis is why you should protect your eyes at any cost.The eyes are one of the most sensitive organs w...

Unique Features

  • Special Eyewear Coverage
  • Discounts on Premiums
  • Deductibles Available

Universal Sompo Eyewear Plan (Pros)

Universal Sompo Eyewear Plan
  • Fire and allied perils
  • Accidental Damage
  • Burglary including theft

Universal Sompo Eyewear Plan (Cons)

Universal Sompo Eyewear Plan
  • Damage due to mishandling
  • Defect in manufacturing
  • Replacement of the spectacles/lens

Universal Sompo Eyewear Plan (Other Benefits)

Universal Sompo Eyewear Plan
  • Spectacles
  • Lenses & Sunglasses cover
  • Cover within India & Abroad

Universal Sompo Eyewear Plan (Eligibility Criteria)

Universal Sompo Eyewear Plan
  • SI - 500 - 50000
  • Policy Term - 1 Year
  • Initial Waiting Period - Coverage from day 1
  • Plan Type - Individual/ Group

Individual and Family Health Insurance

Universal Sompo Complete Healthcare Insurance is a comprehensive health insurance plan that takes care of your medical bills during hospitalization. ...

Unique Features

  • Restoration Benefit
  • Second Medical Opinion
  • 3 Variants

Complete Healthcare Insurance (Pros)

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

Complete Healthcare Insurance (Cons)

Complete Healthcare Insurance
  • Maternity benefit
  • Newborn baby cover
  • IVF not covered
  • Global coverage

Complete Healthcare Insurance (Other Benefits)

Complete Healthcare Insurance
  • In-patient hospitalization
  • Pre & post-hospitalization
  • Daycare procedures
  • Domiciliary care

Complete Healthcare Insurance (Eligibility Criteria)

Complete Healthcare Insurance
  • Minimum: 18 years
  • Maximum: 75 years
  • Sum Insured: ₹1 L - ₹10 L
  • Initial Waiting Period: 30 Days
Raj Kumar

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.