Universal Sompo vs Liberty 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

Liberty Health
Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 25 Cr

Sum Insured

Up to ₹ 30 Lakh
Claim ratio

Claim Ratio

91.58%

Claim Ratio

97.64%
Network hospitals

Network Hospital

4000+

Network Hospital

6000+
Solvency Ratio

Solvency Ratio

1.97

Solvency Ratio

1.75
Pan India Presence

Pan India Presence

96

Pan India Presence

110
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

5,078.45 Crore

Annual premium (company level)

374.59 Crore
Years in operation

Years in operation

2007

Years in operation

2013
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
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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

Liberty General Insurance

Most popular
Accident Health Insurance

Liberty Janta Personal Accident Policy

Liberty's Janta Personal Accident Policy provides essential coverage against accidental death and various permanent disabilities, ...

  • Personal Accident Cover
  • Worldwide Cover
  • Lifelong Renewability
  • Personal Accident Cover
  • Worldwide Cover
  • Lifelong Renewability
  • Pre-existing diseases not covered
  • Death or disablement due to war
  • Self-harm or suicide attempt
  • Loss of limbs
  • Loss of an eye
  • Complete loss of eyesight in both eyes
  • Minimum: 18 Years
  • Child: 5 to 18 Years
  • Maximum: 75 Years
View plan
Individual and Family Health Insurance

Liberty Secure Health Connect

Liberty Secure Health Connect offers comprehensive health coverage for individuals and families, with sum insured options ranging ...

  • Wide Sum Insured Options
  • Stay-fit Perks
  • 6-hour Claim Assure
  • Cataract
  • Covid-19 treatment
  • ICU charges
  • Illegal activities
  • Alcoholism and drug abuse
  • Adventure sports
  • Ambulance cover
  • Health check-ups
  • Co-payment
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 15 Lakh
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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