Universal Sompo vs Icici Lombard Health Insurance 2026 | PolicyX

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

Icici Lombard

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 25 Cr

Sum Insured

Up to ₹ 3 Crores
Claim ratio

Claim Ratio

91.58%

Claim Ratio

97.16%
Network hospitals

Network Hospital

4000+

Network Hospital

10600+
Solvency Ratio

Solvency Ratio

1.97

Solvency Ratio

2.69
Pan India Presence

Pan India Presence

96

Pan India Presence

320
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

5,078.45 Crore

Annual premium (company level)

7,635.67 Crore
Years in operation

Years in operation

2007

Years in operation

2001
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

97.16
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Universal Sompo Health Insurance

▶ Universal Sompo Health Insurance

ICICI Lombard Health Insurance

▶ ICICI Lombard Health Insurance

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Universal Sompo Health Insurance

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

ICICI Lombard Health Insurance

Accident Health Insurance

ICICI Personal Protect Policy

The ICICI Lombard Personal Protect Policy offers comprehensive coverage against the financial impact of accidental injuries, inclu...

  • Accidental Death Benefit
  • Acts Of Terrorism Cover
  • Life Long Renewal
  • Accidental Death
  • Permanent Total Disablement Benefit
  • Hospital Daily Allowance
  • Illegal activities
  • Adventure sports
  • Operational Coverage
  • Accidental Hospitalization
  • Hospital Daily Allowance
  • Min entry age: 18 years
  • Max entry age: 80 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 25 Lakhs
View plan
Senior Citizen Health Insurance

Golden Shield Plan

The ICICI Lombard Golden Shield Health Plan is specifically designed for senior citizens aged 56 and above, offering comprehensive...

  • Care Management Program
  • 50 L SI Available
  • Co-Pay Modification
  • Reset Benefit
  • Coverage for Ambulance
  • Cashless Hospitalization
  • Maternity cover
  • New born cover
  • Daily hospital cash
  • Care Management Program
  • AYUSH Treatments
  • Claim Protector
  • Entry age: 56 years to no maximum limit
  • Sum insured: 5 to 50 Lakhs
  • Initial waiting period: 30 days
View plan

Compare with Other Insurers

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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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