Universal Sompo vs Galaxy Health Health Insurance 2026 | PolicyX
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Overview

Universal Sompo General Insurance, a JV of Allahabad Bank, Karnataka Bank, Indian Overseas Bank, Dabur and Sompo Japan, offers comprehensive health cover—individual, family, critical illness and COVID-19 plans.
COMPANY DETAILS ✎ Edit

Universal Sompo

 ✎ Edit

Galaxy Health
Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 25 Cr

Sum Insured

Up to ₹ 1 Crore
Claim ratio

Claim Ratio

91.58%

Claim Ratio

98.9%
Network hospitals

Network Hospital

4000+

Network Hospital

3216+
Solvency Ratio

Solvency Ratio

1.97

Solvency Ratio

4.70
Pan India Presence

Pan India Presence

96

Pan India Presence

71
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

5,078.45 Crore

Annual premium (company level)

16.95 Crore
Years in operation

Years in operation

2007

Years in operation

2023
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
Claims settled within 3 months

Claims settled within 3 months

61.18%

Claims settled within 3 months

100
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Universal Sompo Health Insurance

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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

Galaxy Health Insurance

Most popular
Individual and Family Health Insurance

Galaxy Promise Health Plan

Galaxy Promise is a new health insurance plan from Galaxy Health Insurance, designed for younger generations in India with a uniqu...

  • Air Ambulance Cover
  • Room Rent Enhancement
  • Gala Fit Pro-Active Care
  • Unlimited restoration of SI
  • No co-payment
  • Room rent enhancement
  • Investigation and evaluation not covered
  • Dietary supplement
  • Unproven treatment
  • Alcoholism
  • Repatriation of mortal remains
  • Organ transplantation
  • Cashless everywhere
  • Min. Entry Age: 16 Days
  • Max. Entry Age: 65 Years
  • Initial Waiting Period: 24 Months
  • Sum Insured: Up to 1 Cr
View plan
Top Up and Super Top Up

Galaxy Top-up Health Insurance Plan

The Galaxy Top-Up Health Insurance Plan provides an enhanced safety net over existing base health coverage, helping mitigate subst...

  • Get exciting discounts
  • Digital ICU coverage
  • Gala Fit benefit
  • Family coverage
  • flexibility in deductible
  • Digital ICU coverage.
  • Investigation and evaluation
  • cosmetic surgery
  • unproven treatments.
  • Nanotechnology covered
  • modern treatment
  • delivery expenses covered.
  • Entry age: 18 years
  • Maximum entry age: 65 years
  • Sum Insured: INR 5 L to 2 Cr
  • Waiting Period: 30 days.
View plan
Individual and Family Health Insurance

Galaxy Twin 360

Galaxy Twin 360 is a comprehensive health insurance plan for young adults and families, offering dual coverage that combines in-pa...

  • Dual coverage for extended protection
  • All round 360 degree health benefits
  • Flexible coverage for individual needs
  • OPD benefits along with hospitalisation cover
  • usable benefits even in non-hospitalisation years
  • wellness and preventive care integration
  • Entry age capped at 45 years
  • OPD benefits have usage limits
  • newer insurer with limited long-term claims history
  • Lifelong renewability
  • multiple sum insured options
  • flexible premium payment modes
  • coverage for day-care and modern treatments
  • cashless treatment at network hospitals
  • Adults: 18 years to 45 years Children: 90 days to 18 years
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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