Buy Universal Sompo Health Insurance | Compare & Get Online Discounts

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Updated on Jul 09, 2025 8 min read

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.

4000+

Network
Hospitals

81.74%

Incurred
claim ratio

1.7

Solvency
Ratio

UP TO 25 Cr

Sum
Insured

24X7

Customer
Support

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

Why Do We Exist?

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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 and Family Health Insurance

Universal Sompo Health Insurance Plans	Eligibility	Approximate Annual Premiums
Complete Healthcare Insurance	Entry Age - Sum Insured - Up to 0	Rs.

Individual

Universal Sompo Health Insurance Plans	Eligibility	Approximate Annual Premiums
Universal Sompo Eyewear Plan	Entry Age - Sum Insured - Up to 0	Rs.

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 and Family Health Insurance

Complete Healthcare 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

For Individual

Universal Sompo Eyewear Plan

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

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 and Family Health Insurance

Complete Healthcare 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

Individual

Universal Sompo Eyewear Plan

'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

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.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

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.

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.

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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

Universal Sompo Health Insurance: FAQs

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. Am I eligible for any discounts under the Universal Sompo Aarogya Sanjeevani Plan?

Yes, the plan offers a loyalty discount of 5% on the premium to the existing policyholders

3. Does my Universal Sompo Aarogya Sanjeevani Policy offer coverage against eye surgeries like Cataracts?

Yes, the policyholder gets coverage against the expenses incurred on the treatment of cataracts.

4. Are there any Value Added Services under Universal Sompo Complete Healthcare Insurance?

The plan allows the individuals to get free access to the company& 039;s Health & Wellbeing Services that includes: Active life programmes specially designed to guide you to your health goals Health & Wellbeing programmes with up to date clinically validated support information Active care programmes designed to prevent illness or manage existing conditions Offers help for the issues such as medical information, diet and nutrition, help to stop smoking, and even guidance on travelling overseas

5. How to pay the premium of Universal Sompo Health Insurance plans? What are the modes of payment offered by Universal Sompo Health Insurance?

A policyholder can pay the premiums of a universal health insurance plan via online and offline mode. Through online mode Internet Banking Debit Card Credit Card UPI Through offline mode You can pay your policy premium by visiting the nearest Universal Sompo branch.

6. What happens if I cancel my health insurance policy?

If you cancel your health policy before the policy& 039;s end date, your policy will terminate and a part of the premium will be reimbursed to you according to the policy& 039;s cancellation terms, which may vary from plan to plan.

7. Can I check my policy status for Universal Sompo health insurance?

Yes, you can check the status of the policy online or via a toll-free number. Registered users can simply log in to e-Portal with their username and password.

8. Do I need to undergo a medical examination before buying Universal Sompo Health Insurance?

Medical examinations may be required for those over 45-55 years old when buying a new health plan, Apart from the age of the applicants, the medical examination also depends on the plan and the declaration of pre-existing diseases.

9. I am an international citizen residing in India currently. Can I purchase a Universal Sompo health insurance policy?

Yes, international citizens can buy health insurance plans in India. Your medical insurance will only be valid in India.

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Compare mediclaim policies with other top insurers in India.

Universal Sompo Health Insurance

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Universal Sompo Health Insurance: Overview

Universal Sompo health insurance awards and accolades.

Universal Sompo Health Insurance Detailed Review

Why Do We Exist?

Compare

Compare

Best Selling Universal Sompo Health Insurance Plans

Individual and Family Health Insurance

Individual

Key Features Of Universal Sompo Health Insurance

For Individual and Family Health Insurance

Why Do We Recommend This?

For Individual

Why Do We Recommend This?

Explore other Universal Sompo Health Insurance

Complete Healthcare Insurance (Pros)

Complete Healthcare Insurance (Cons)

Complete Healthcare Insurance (Other Benefits)

Complete Healthcare Insurance (Eligibility Criteria)

Universal Sompo Eyewear Plan (Pros)

Universal Sompo Eyewear Plan (Cons)

Universal Sompo Eyewear Plan (Other Benefits)

Universal Sompo Eyewear Plan (Eligibility Criteria)

Recommended Videos

Why Should You Buy Universal Sompo Health Insurance?

What is Covered?

Pre and Post Hospitalization Expenses

AYUSH Treatments

Hospitalization Expenses

Day Care Treatments

Domiciliary Hospitalization

What is not Covered?

Self Inflicted Injuries

Cosmetic Procedures

Adventure Sports

Obesity or Weight Control Treatments

Involvement In Illegal Activities

Universal Sompo Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Universal Sompo Insurance Plans Buying Process

Universal Sompo Health Insurance Claim Process

Health Insurance Premium Calculator

More Queries?

Explore Universal Sompo Health Insurance

Universal Sompo Health Insurance: FAQs

1. Does Universal Sompo Complete Healthcare offer inpatient direct settlement?

2. Am I eligible for any discounts under the Universal Sompo Aarogya Sanjeevani Plan?

3. Does my Universal Sompo Aarogya Sanjeevani Policy offer coverage against eye surgeries like Cataracts?

4. Are there any Value Added Services under Universal Sompo Complete Healthcare Insurance?

5. How to pay the premium of Universal Sompo Health Insurance plans? What are the modes of payment offered by Universal Sompo Health Insurance?

6. What happens if I cancel my health insurance policy?

7. Can I check my policy status for Universal Sompo health insurance?

8. Do I need to undergo a medical examination before buying Universal Sompo Health Insurance?

9. I am an international citizen residing in India currently. Can I purchase a Universal Sompo health insurance policy?

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