Universal Sompo Health Insurance
Universal Sompo offers a comprehensive health insurance policy that caters to a personalized healthcare benefits to the insured members.
Network hospitals
4000+
Incurred claim ratio
82.84%
Sum insured
Up to 25 Cr
No. of Plans
2
Solvency Ratio
1.7
Pan India Presence
96+
Universal Sompo Health Insurance: Overview
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 offers a variety of health insurance plans such as individual health insurance, family health insurance, critical illness, top-up health insurance, group health insurance, health insurance for coronavirus, and more that provide the needful financial assistance in times of medical emergencies. You can easily buy the Universal Sompo Health Insurance Plan online. Universal Sompo has 86 branch offices and tie-ups with over 4000 Network Hospitals across India.
Universal Sompo health insurance awards and accolades.
- 'Best BFSI Brand by Economic Times 2021-22' Award
- 'Customer Service- Insurance Alerts India, 2021-22
- 'Best Technology for Good Project 2021-22'
Universal Sompo Health Insurance Detailed Review
Best Selling Universal Sompo Health Insurance Plans
Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family
-
Individual
Universal Sompo Health Insurance Plans Eligibility Approximate Annual Premiums Universal Sompo Eyewear Plan Entry Age - NA
Sum Insured - Up to 50000Rs. NA
-
Individual and Family Health Insurance
Universal Sompo Health Insurance Plans Eligibility Approximate Annual Premiums Complete Healthcare Insurance Entry Age - Minimum 18 years, Maximum 75 years
Sum Insured - Up to 25 CrRs. NA
Key Features Of Universal Sompo Health Insurance
Let us take a look at some unique features of top-selling Universal Sompo Health Insurance policies:
For Individual
Universal Sompo Eyewear Plan
The Universal Sompo Eye Wear Insurance Policy ensures coverage for vision needs such as spectacles, sunglasses, lenses, and all kinds of glasses required for eye protection. You also get extended coverage if your optical item has suffered loss, damage, theft, etc.
Why Do We Recommend This?
- Sum insured up to 50,000
- Coverage from day 1
- Available on individual and group basis
For Individual and Family Health Insurance
Complete Healthcare Insurance
Comprehensive health insurance covers basic to advanced healthcare facilitations that include hospitalization expenses, ambulance charges, daycare procedures, AYUSH treatment, etc.
Why Do We Recommend This?
- Over 141 daycare procedures are covered
- Compassionate travel and modern treatment cover
- Second medical opinion for specified illnesses are covered
Explore other Universal Sompo Health Insurance
To cater to the different medical needs of an individual & their family, Universal Sompo Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to Universal Sompo Health Insurance plans explore more:
Individual
'Beauty lies in the eyes of the beholder.' - Plato This is the reason you should protect your eyes at any cost. The eyes are one of the most sensitive...
Unique Features
- Special Eyewear Coverage
- Discounts on Premiums
- Deductibles Available
Universal Sompo Eyewear Plan (Pros)
- Fire and allied perils
- Accidental Damage
- Burglary including theft
Universal Sompo Eyewear Plan (Cons)
- Damage due to mishandling
- Defect in manufacturing
- Replacement of the spectacles/lens
Universal Sompo Eyewear Plan (Other Benefits)
- Spectacles
- Lenses & Sunglasses cover
- Cover within India & Abroad
Universal Sompo Eyewear Plan (Eligibility Criteria)
- SI - 500 - 50000
- Policy Term - 1 Year
- Initial Waiting Period - Coverage from day 1
- Plan Type - Individual/ Group
Individual and Family Health Insurance
Universal Sompo Complete Healthcare Insurance is a comprehensive health insurance plan that takes care of your medical bills during the time of hospi...
Unique Features
- Restoration Benefit
- Second Medical Opinion
- 3 Variants
Complete Healthcare Insurance (Pros)
- E-consultations
- Second medical opinions
- Vaccination
- Daily hospital cash
- Compassionate travel
Complete Healthcare Insurance (Cons)
- Maternity benefit
- Newborn baby cover
- IVF not covered
- Global coverage
Complete Healthcare Insurance (Other Benefits)
- In-patient hospitalization
- Pre & post-hospitalization
- Daycare procedures
- Domiciliary care
Complete Healthcare Insurance (Eligibility Criteria)
- Minimum: 18 years
- Maximum: 75 years
- SI - 1 - 10 L
- Initial Waiting Period - 30 Days
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Universal Sompo Health Insurance
Why Should You Buy Universal Sompo Health Insurance?
- 4,000+ network hospitals across India, allowing customers to enjoy hassle-free cashless hospitalization
- Claim support of Universal Sompo General Insurance company is 95.77% as per the IRDAI 2021-22 Report
- As per the IRDAI Annual Report 2021-22, the annual premium of Universal Sompo is 3456.12 Crores
- Offers comprehensive coverage at affordable premiums
- Tax benefits under Section 80D of the Income Tax Act
What is Covered?
Pre and Post Hospitalization Expenses
Universal Sompo Health Insurance offers pre and post-hospitalization expenses related to in-patient hospitalization.
AYUSH Treatments
Most Universal Sompo Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
Hospitalization Expenses
Universal Sompo health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
Day Care Treatments
Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Universal Sompo health insurance plans are designed to cover daycare procedures for policyholders.
Domiciliary Hospitalization
On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Universal Sompo health insurance plans cover domiciliary hospitalization up to specified sub-limits.
What is not Covered?
Self Inflicted Injuries
Universal Sompo health policies will not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
Universal Sompo Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
Adventure Sports
Universal Sompo Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
Obesity or Weight Control Treatments
Universal Sompo Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
Involvement In Illegal Activities
Universal Sompo health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
Universal Sompo Health Insurance Network Hospital List
Universal Sompo Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Universal Sompo Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Universal Sompo Insurance Plans Buying Process
If you are looking forward to purchasing Universal Sompo Health insurance online follow the simple steps below:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare Universal Sompo Health Insurance Plans per your needs.
- Step 3
Select and pay premiums online for your chosen purchased star health insurance plan.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Universal Sompo Health Insurance plan.
Buying Policy from Official Website
- Step 1
Visit the official website of Universal Sompo Insurance Company and click on the 'Products' tab.
- Step 2
Choose the 'Health' category.
- Step 3
Check the plans as per your needs and tap the 'Buy' button.
- Step 4
Fill in all the details required and make the payment.
- Step 5
Your policy-related documents will be mailed to you at your registered email address.
To buy the best health insurance plans in India, reach out to the insurance advisors of PolicyX.com at 1800-4200-269 and feel free to raise your queries about comparing health insurance policies before buying.
Universal Sompo Health Insurance Claim Process
You can file for cashless as well as reimbursement claims for your Universal Sompo Health Insurance Plans by following these easy steps:
- Step 1
You need to inform the insurer within 24 hours of emergency hospitalization and 48 hours before a planned admission to the network hospital.
- Step 2
Show your health card along with valid ID proof and fill in the details in the cashless request form.
- Step 3
Submit the form at the hospital insurance helpdesk.
- Step 4
The hospital will then verify the information provided and send the form to the company.
- Step 5
The company will verify the details and communicate its decision to you and the hospital.
- Step 6
On acceptance, the company will directly settle the expenses with the hospital.
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
Explore Universal Sompo Health Insurance
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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