Universal Sompo Health Insurance

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About Universal Sompo Health Insurance

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.

Highlights of Universal Sompo General Insurance Company

Number of Partner Bank Branches

Over 7700

Claim Settlement Ratio

99.23%

**Last Updated on 30-11-2020

Universal Sompo Health Insurance Highlights

Types of Universal Sompo Health Insurance Plans:

1. Universal Sompo Complete Healthcare Insurance

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 30-11-2020

The values may change as per the chosen plan option.

Features:

  • Convalescence benefits (of Rs.10,000) for hospitalisation (over 10 days) are provided by the plan that can be utilized only once during the policy tenure.
  • In case of unavailability of a hospital room or, if you are not in a condition to be moved to the hospital, the plan offers 'Domiciliary hospitalisation', where all your medical expenses are reimbursed.

2. Universal Sompo Super Healthcare Insurance

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 30-11-2020

Features:

  • No pre-policy medical health check-up is required until the age of 65 years.
  • The plan offers a unique feature like cover for weight loss surgery, i.e., if you want to lose your weight by undergoing surgery, the expenses for the same will be covered by the plan.

3. Universal Sompo Aarogya Sanjeevani Insurance

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 30-11-2020

Features:

  • The plan offers coverage for the expenses incurred on hospitalization for a minimum period of 24 hours.
  • The plan also offers coverage for the treatments under AYUSH.
  • Under this plan, a policyholder is also eligible to gain a 5% cumulative bonus (up to 50% of SI) for every claim-free year.

4. Universal Sompo Group Health Insurance

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:

  • Maximum coverage is of Rs. 5 Lakhs.
  • One can avail additional covers that offer wider coverage and benefits such as:
  • Critical Illness Cover
  • Maternity Benefit Cover
  • Hospital Cash Cover
  • Pre-existing
  • Family Floater

5. Universal Sompo Individual Accident Insurance

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 30-11-2020

Features:

  • 3 options are available under the plan-
  1. Basic cover that provides coverage against death.
  2. The wider cover protects against death along with permanent total/partial disability and,
  3. Comprehensive cover provides coverage against the above-mentioned causes, together with temporary total disability.
  • A compensation benefit will be paid in case of temporary disablement equivalent to 1% of sum insured or Rs. 5000 (whichever is less up to 104 weeks).

6. Universal Sompo Janta Personal Accident Insurance

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 30-11-2020

Features:

  • The policy offers benefits for death and permanent total disablement that are caused due to an accidental injury.
  • The plan also offers compensation benefits for the accidents resulting in death or permanent total disablement. Under this, the compensation equivalent to the full capital sum insured is provided.

7. Universal Sompo Group Accident Insurance

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:

  • The plan offers the compensation benefit that solely depends upon the nature of the injury and the Capital Sum Insured under the Policy. For accidents resulting in:

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.

  • The plan offers basic, wider, and comprehensive coverage to the policyholders.

8. Universal Sompo Aapat Suraksha Bima Insurance

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:

  • It pays an amount equal to the capital sum insured in a one-time payment.
  • A percentage of the capital sum insured is payable on the total loss of limbs or eyes.

9. Universal Sompo Loan Secure Insurance

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:

  • The plan is liable to pay at the time of surgical procedures or on the diagnosis of listed critical illnesses, or if the policyholder is a victim of total permanent disability/death.
  • One can renew the policy up to 55 years of age.

10. Universal Sompo Hospital Cash Insurance

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 30-11-2020

Features:

  • A family discount of 5% can be availed under the policy.
  • On exceeding 21 days of hospitalisation, a convalescence benefit of Rs.10,000 shall be payable.

11. Universal Sompo Saral Suraksha Bima (Micro Insurance Policy)

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 30-11-2020

Features:

  • Affordable premiums are available under this plan. The premium rate for critical illness is 0.17% and the personal accident is 0.14%.
  • The policy also covers organ transplantation expenses of the policyholder.

12. Universal Sompo Sampoorna Suraksha Bima Yojana (Micro Insurance Policy)

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:

  • One can get covered under this plan between 18 years-65 years.
  • It provides protection against loss or damage caused to the household valuables.

13. Universal Sompo Senior Citizen Health Insurance

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:

  • The plan takes care of the inpatient treatment expenses of the insured.
  • A portability option is available under this plan.
  • The plan offers the sum insured starting from 1 Lakh to 5 Lakhs.

14. Universal Sompo Critical Illness Insurance

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 30-11-2020

Features:

  • Any individual can take this policy for self, spouse, parents, and parents-in-law.
  • A wide range of sum insured options starting from 2.5 Lakh to 20 Lakhs in addition to portability option can be availed under this policy.

15. Corona Rakshak Policy

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 30-11-2020

16. Corona Kavach Policy

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 30-11-2020

Features:

  • Under this plan, one can get coverage for the treatments under Ayurveda, Unani, Siddha, Yoga, and Homeopathy.
  • One can opt for Individual or Family Floater coverage and can cover self, legally wedded spouse, dependent children, parents, and parents-in-law.

Other Plans

  • Universal Sompo Pravasi Bhartiya Bima Yojana
  • Universal Sompo Surva Vidyarthi Bima Yojana
  • Universal Sompo Swarna Gramin Bima Yojna for Individuals
  • Universal Sompo Swarna Gramin Bima Yojna for Group

How To Purchase Universal Sompo Health Insurance Plans?

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

  • Visit the official website of Universal Sompo Insurance company and click on the 'Products' tab.
  • Choose the 'Health' category.
  • Check the plans as per your needs and tap the 'Buy' button.
  • Fill in all the details required and make the payment.
  • Your policy-related documents will be mailed to you on your registered e-mail address.

Note- You can also buy Universal health plans from the nearest branch of the company.

Through PolicyX.com

  1. Scroll up to the top of this page and fill the details in the 'Calculate Universal Sompo Health Insurance Premium' form.
  2. Out of all the quotes shown to you, choose the desired Universal Sompo health plan and click on 'Buy Now'.
  3. Pay the premium and your policy documents will be shared with you on your registered email.

What Is the Claim Process for Universal Sompo Health Insurance Plans?

For Cashless Claims:

  • You need to intimate the insurer within 24 hours of emergency hospitalization and 48 hours before a planned admission in the network hospital.
  • Show your health card along with valid ID proof and fill the details in the cashless request form.
  • Submit the form at the hospital insurance helpdesk.
  • The hospital will then verify the information provided and send the form to the company.
  • The company will verify the details and communicate its decision to you and the hospital.
  • On acceptance, the company will directly settle the expenses with the hospital.

For Reimbursement Claim:

  • Intimate the insurer about the hospitalization at the earliest and pay the expenses post-discharge.
  • Fill the reimbursement form with the required details and submit.
  • The insurer will ask you to submit the hospital bills, prescriptions, and receipts.
  • On successful completion of the verification procedure, the company will reimburse the amount in the claimant's registered account.

How To Contact Universal Sompo General Insurance?

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

FAQ's

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:

  • Any illness diagnosed within the first 90 days of the inception of the policy.
  • Any accident resulting from self-injury, or under any influence of intoxication or suicide.
  • The insured dies or suffers from other injuries while participating in adventurous sports.
  • Others as specified in the policy document.

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 30-11-2020