Universal Sompo vs Reliance Health 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.
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Universal Sompo

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Reliance Health

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 25 Cr

Sum Insured

Up to ₹ 5 Cr
Claim ratio

Claim Ratio

91.58%

Claim Ratio

87.50%
Network hospitals

Network Hospital

4000+

Network Hospital

9100+
Solvency Ratio

Solvency Ratio

1.97

Solvency Ratio

2.35
Pan India Presence

Pan India Presence

96

Pan India Presence

127
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

5,078.45 Crore

Annual premium (company level)

₹4,821.70 Crore
Years in operation

Years in operation

2007

Years in operation

2000
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

95.3
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Universal Sompo Health Insurance

▶ Universal Sompo Health Insurance

Reliance General Health Insurance

▶ Reliance General 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

Reliance Health Insurance

Individual and Family Health Insurance

Reliance HealthWise Policy

Reliance HealthWise Policy is a comprehensive health insurance plan from Reliance, available in Gold, Silver, and Standard variant...

  • Customize Your Plan
  • Critical Illness Cover
  • Recovery Benefit
  • Daily Hospitalization Allowance
  • Domiciliary Hospitalization
  • Critical Illness Cover
  • Global coverage
  • OPD not available
  • AYUSH treatment not covered
  • In-patient hospitalization
  • Daycare procedures
  • Modern treatment cover
  • Ambulance charges
  • Entry age: 18 - 65 Years
  • SI: 1 L - 5 L
  • Initial waiting period: 30 Days
View plan

Reliance Super Top-Up Health Insurance acts as an essential addition to existing health plans, providing enhanced financial securi...

  • Worldwide emergency cover
  • Maternity expenses
  • Air ambulance cover
  • Waiver of premium
  • Waiver of deductible
  • Worldwide emergency cover
  • Tax benefits
  • Investigation & evaluation
  • Rest cure/rehabilitation and respite care
  • Obesity/weight control unless life-threatening
  • Change-of-gender treatments
  • 5% Online discount
  • ICU charges
  • AYUSH treatment
  • Maternity cover
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1.3 Cr
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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