Universal Sompo General Insurance is a private-public partnership venture in the Indian general insurance industry. It is a joint venture between Allahabad Bank, Karnataka Bank, Indian Overseas Bank, Dabur Investment Corporation, and Sompo Japan. Universal Sompo Health insurance plans offer a vast range of healthcare products that provide the needful financial assistance in the time of medical emergencies.
Number of Partner Bank Branches | Over 7700 |
Claim Settlement Ratio | 99.23% |
**Last Updated on 17-12-2020
Universal Sompo Complete Healthcare Insurance is a one-stop solution for all health care needs. The policy comes with comprehensive cover to bear the medical expenses at the time of hospitalisation in addition to value-added services. The plan offers easy steps to choose your plan type as per your needs and requirements.
Eligibility:
Entry Age | For Adults: 18 years- 70 years For children: 91 days-70 years |
Policy Period | 1 to 3 years |
Sum Insured | Rs. 1 Lakhs to 10 Lakhs |
**Last Updated on 17-12-2020
The values may change as per the chosen plan option.
Features:
As the name suggests, the plan takes care of your medical expenses during health emergencies. Super Healthcare Insurance helps to boost the existing coverage by offering higher sum insured options and enhanced protection to fulfil the health expenditure.
Eligibility:
Entry Age | Up to 80 years |
Policy Term | Up to 3 years |
Sum Insured | Up to Rs 1 Crore |
**Last Updated on 17-12-2020
Features:
Universal Sompo Aarogya Sanjeevani Insurance offers complete protection in case of hospitalization due to any serious illness or accident to you and your family members. One can cover up to 7 family members: Self, Spouse, Dependent Children, Mother, Father, Mother-in-law, and father-in-law.
Eligibility:
Entry Age | For Adults: 18 years-65 years For children: 91 days-25 years |
Sum Insured | Rs. 1 Lakhs to 5 Lakhs |
**Last Updated on 17-12-2020
Features:
Universal Sompo Group Health Insurance Policy is designed for the employees working in the trading & manufacturing sectors, social sectors, or members of any society or club. The policy offers coverages against the hospitalization expenses with other comprehensive benefits.
Features:
The policy offers several benefits if the policyholder gets injured or dies in an accident during the policy tenure.
Eligibility:
Entry Age | 5-65 years |
Proposer's Age | 18 years or above |
**Last Updated on 17-12-2020
Features:
Universal Sompo's Janta Personal Accident Policy provides coverage to you and your family against the financial expenses that occur due to unforeseeable accidents. It's mainly offered to the employees of a firm, members of the association, NGOs, etc.
Eligibility:
Entry Age | 5-65 years |
Proposer's Age | 18 years or above |
**Last Updated on 17-12-2020
Features:
Universal Sompo Group Personal Accident insurance offers protection against the consequences of unforeseeable accidents to a group of employees/members. If needed, one has the flexibility to extend the coverage of their employees for dependent children/parents.
Features:
Death or Permanent Total disablement: The compensation equivalent to the full Capital Sum Insured is provided.
For Permanent Partial Disablement: The compensation will depend on the nature of the injury and the corresponding percentage of Capital Sum Insured.
For Temporary Total Disablement: The compensation at 1% of Capital Sum Insured or Rs. 5000 (whichever is less per week for a maximum period of 104 weeks) will be provided.
Universal Sompo Aapat Suraksha Bima policy offers coverage to support the policyholder or the beneficiary during sudden and unexpected medical contingencies, i.e., on the diagnosis of major critical illnesses such as cancer, paralytic stroke, major organ transplant, renal failure, or coronary heart disease.
Features:
Universal Sompo Loan Secure is meant to transfer the burden of a loan amount by offering the coverage in case of any medical emergency to the life insured.
Features:
Under this plan, a daily allowance benefit (as hospital cash) is provided to the policyholder at the time of hospitalisation.
Eligibility:
Entry Age | For Adults: 18 years- 70 years |
**Last Updated on 17-12-2020
Features:
Saral Suraksha plan is liable to pay the one-time lump sum benefit of the chosen sum insured on accidental death, disability, and diagnosis of listed five critical illnesses, or permanent total disablement due to an accident.
Eligibility:
Entry Age | For Adults: 18 years-65 years |
Policy Renewal | Lifetime |
Sum Insured | Rs.10,000 to Rs.1,00,000 |
**Last Updated on 17-12-2020
Features:
Sampoorna defines 'complete' and Universal Sompo Sampoorna Suraksha Bima Yojana offers comprehensive health care protection that is designed to provide maximum coverage to the insured.
Features:
This health plan is specially designed for senior citizens who are above 60 years of age. One has the flexibility to cover themselves and their spouses.
Features:
A tailor-made plan for patients suffering from major and serious critical disorders. With the help of this plan, you get the necessary coverage to fight against the illness without worrying about your finances.
Eligibility:
Entry Age | Proposer- 18-65 years Others- 5-65 years |
**Last Updated on 17-12-2020
Features:
Corona Rakshak Policy addresses the financial expenses that occur due to the hospitalization of COVID-19. As per the norms specified by the Ministry of Health and Family Welfare, the company is liable to pay the sum insured if the insured is diagnosed with the virus and gets hospitalized for more than seventy-two hours (following medical advice of a duly qualified government medical practitioner).
Eligibility:
Entry Age | For Adults: 18 years-65 years |
Sum Insured | Rs, 50,000 to Rs. 2,50,000 |
Policy Period | 105 days, 195 days, and 285 days |
**Last Updated on 17-12-2020
Corona Kavach policy offers coverage against the expenses that arise at the time of COVID-19 treatment. One can file a claim if they are hospitalized for COVID-19 after testing positive at a government-authorized diagnostic center.
Eligibility:
Entry Age | For Adults: 18 years-65 years |
Sum Insured | Rs, 50,000 to Rs. 5,00,000 |
Policy Period | 105 days, 195 days, and 285 days |
**Last Updated on 17-12-2020
Features:
Buying Universal Sompo Health Insurance is an easy and hassle-free process. One has the option to directly buy the policy through the company's website, or purchase via PolicyX.com. Let's look at both the procedures:
Through the Company's Website
Note- You can also buy Universal health plans from the nearest branch of the company.
Through PolicyX.com
For Cashless Claims:
For Reimbursement Claim:
Contact Address: Universal Sompo General Insurance Company Ltd., Plot No - EL-94, KLS Tower, TTC Industrial Area, MIDC, Mahape, Navi Mumbai 400710.
Customer Care Helpline: 1800 200 4030, 022 - 27 63 9800,022 - 39133700
Health Product Customers Helpline: 1800 200 5142, 022 - 39 63 5200
Fax: 1800-200-9134
Email: contactus[at]universalsompo[dot]com,
For Claims: contactclaims[at]universalsompo[dot]com
1. Does Universal Sompo Complete Healthcare offer inpatient direct settlement?
Yes. Under this plan, you can avail of the benefit of in-patient direct settlement.
2. What are the exclusions under Aapat Suraksha Bima Policy?
The following are excluded under Aapat Suraksha Bima Policy:
3. Does my Universal Sompo Aarogya Sanjeevani Policy offer coverage against eye surgeries like Cataract?
Yes, the policyholder gets coverage against the expenses incurred on the treatment of cataract.
Page updated on 17-12-2020