Universal Sompo Health Insurance
  • Quick claim settlement process
  • 24/7* Customer assistance
  • 15+ health insurance policies
Universal Sompo Health Insurance
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Universal Sompo Health Insurance

Universal Sompo General Insuranceis 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 corona, and more that provide the needful financial assistance in the time of medical emergencies. You can easily buy Universal Sompo Health Insurance Plan online. Universal Sompo has 86 branch offices and tie-ups with more than 4000 Network Hospitals pan India.

Awards & Recognitions of Universal Sompo Health Insurance

  • Best BFSI Brand by Economic Times 2021-22
  • Customer Service- Insurance Alerts India, 2020-21
  • Best Technology for Good Project 2020-21

Why Should You Buy Universal Sompo Health Insurance?

Before choosing a health insurance company for yourself, evaluate the Universal Sompo Health Insurance performance based on the Universal Sompo claim ratio, solvency ratio, annual premium, and availability of network hospitals, so that you can choose the best policy as per your needs and requirements.

  • Network Hospitals:
    At present, Universal Sompo offers 4,000+ network hospitals across India, allowing customers to enjoy hassle-free cashless hospitalization. It is advised to purchase health insurance from a company that offers the benefit of cashless hospitalization.With this facility, you can get yourself treated without worrying about the hospital bills.
  • Claim Support (Claim settled within 3 months):
    Theclaim support ratioshowcases the number of claims settled by the company in the last three months. It is another important factor that helps you to evaluate how soon the company will settle your claims once filed. As per the IRDAI Annual Report 2020-21, the claim support of Universal Sompo General Insurance company is 94.00%.
  • Solvency Ratio:
    Another factor that should be considered whilebuying a health insurance policyis the solvency ratio, which indicates financial soundness. It helps the individual in assessing the ability of the company to meet its long-term financial obligations.
    To make this task easier for the potential buyer, IRDAI has made it mandatory for all insurance companies in India to maintain a minimum solvency ratio of 1.5.
    When it comes to Universal Sompo, the company has been able to match this criterion. At present, the solvency ratio of the company is 1.95.
  • Annual Premium:
    The annual premium of the company helps the buyer to evaluate its growth in the financial year. As per the IRDAI Annual Report 2020-21, the annual premium of Universal Sompo is 3,052.16 Crores.
Universal Sompo Health Insurance Key Features
Universal Sompo Health Insurance
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Types of Universal Sompo Health Insurance Plans

Universal Sompo Health Insurance offers various health products to cater to the healthcare needs of every individual, the company offers a wide range of health plans, providing coverage to individuals, families, senior citizens, employees of an organization, and many more. The company at present offers 18 health insurance plans. Let's explore.

Universal Sompo Individual & Family Health Policies

Comprehensive

Universal Sompo Complete Healthcare Insurance

A comprehensive health plan that comes with benefits and value-added services like Dial-a-Doctor, Health Educational Library for People, & many more.

Unique Features

  • Dental Treatment covered
  • Vaccination cover
  • Daily Cash for an Insured Child

Standard/Affordable

Universal Sompo Aarogya Sanjeevani Insurance

A standard health plan that offers complete protection in case of hospitalization due to any serious illness or accident.

Unique Features

  • Treatment of Cataract covered
  • Dental Treatments covered
  • Plastic Surgery covered

Standard

Universal Sompo Saral Suraksha Bima

Saral Suraksha plan covers the insured on accidental death, disability, and diagnosis of listed critical illnesses, or permanent total disablement due to an accident.

Unique Features

  • Cumulative Bonus of up to 50%
  • Education Grant
  • All day care treatments

Universal Sompo Specialized Health Plans

Top-up

Universal Sompo Super Healthcare Insurance

The plan takes care of your medical expenses once your basic cover is exhausted. It boosts the existing coverage by offering an enhanced cover of up to 1 Cr.

Unique Features

  • No Medical tests up to 65 years
  • 100% restoration of Base SI
  • Bariatric Surgery Cover

Senior Citizen

Universal Sompo Senior Citizen Health Insurance Policy

This health plan is specially designed for senior citizens who are above 60 years of age and allows them to cover their spouse’s healthcare needs themselves.

Unique Features

  • Cost of Health Check-up Covered
  • Daily Allowance up to Rs. 2,500
  • Optional covers

Loan Repayment

Universal Sompo Loan Secure Insurance Policy

Repay your outstanding loan amount in the event of your diagnosis of listed critical Illnesses or in case of unfortunate accidental death.

Unique Features

  • 4 plan variants to choose from
  • 18 Major Medical Illnesses covered
  • Optional covers

Personal Accident

Universal Sompo Individual Accident Policy

Universal Sompo's Individual Accident Insurance offers several benefits if the policyholder gets injured or dies in an accident during the policy tenure.

Unique Features

  • Compensation Benefit
  • Hospital Confinement Allowance
  • Funeral charges covered

Critical Illness

Universal Sompo Critical Illness Insurance Policy

The plan provides the necessary coverage to fight against the 11 listed critical illnesses, and pays the sum insured to the family.

Unique Features

  • Sum insured up to 20 L
  • Free look-up period
  • Portability option

Daily Cash

Hospital Cash Insurance Policy

A daily allowance benefit (as hospital cash) is provided to the policyholder at the time of hospitalization.

Unique Features

  • Convalescence Benefit
  • Long-Term Policy Discount
  • No pre-medical tests up to 55 years

Travel Plan

Pravasi Bhartiya Bima Yojana

The policy is designed only for those emigrants who bought this policy before leaving India and have their passports under “Emigration Check Required”.

Unique Features

  • Transportation and Airfare Charge
  • Maternity expenses
  • Repatriation Expenses

Student Oriented

Universal Sompo Surva Vidyarthi Bima Yojana

The plan is taken by an Educational Institution/School for the benefit of the students. The insured can opt for any Section/Benefit and Extension as per their needs .

Unique Features

  • Coverage for the Death of the Parent
  • Reimbursement of Examination Fees
  • Loss of Personal Belongings Cover

Rural Insurance

Universal Sompo Swarna Gramin Bima Yojana (Individual)

Universal Sompo Swarna Gramin Bima Yojana can be taken up by the Gramin (Village Dweller) for covering himself and his family.

Unique Features

  • Coverage against personal accident
  • Coverage against critical illness
  • Optional covers available

Critical Illness

Universal Sompo Aapat Suraksha Bima Policy

The policy offers coverage to support the policyholder during sudden and unexpected medical contingencies, i.e., on the diagnosis of major critical illnesses.

Unique Features

  • Accidental Death Cover
  • Coverage against 5 critical illnesses
  • 100% payout in accidental death

Universal Sompo Group Health Insurance Policies

Micro Insurance

Universal Sompo Sampoorna Suraksha Bima

The plan is designed to meet the insurance needs of sections that are eligible for credit from microfinance institutions such as self-help groups, NGOs, etc.

Unique Features

  • Fire & Allied Perils (contents) cover
  • Burglary and Robbery cover
  • Personal accident and health cover

Group Vector Insurance

Universal Sompo Group Mashak Rakshak Policy

The policy offers coverage for vector-borne diseases such as Dengue, Malaria etc.

Unique Features

  • 2% of the SI on a positive diagnosis
  • Lump sum benefit
  • Coverage for hospitalization

Group Comprehensive

Universal Sompo Group Health Insurance Policy

The plan is designed for the employees working in the trading & manufacturing sectors, social sectors, or members of any society or club.

Unique Features

  • Domiciliary Hospitalization covered
  • Optional Covers
  • AYUSH Treatment covered

Group Personal Accident

Universal Sompo Group Personal Accident

The plan offers protection against the consequences of unforeseeable accidents to a group of employees/members.

Unique Features

  • Restricted Contingency Cover
  • Adventure Sports Inclusion Cover
  • Carriage of Mortal Remains

Group Rural Insurance

Universal Sompo Swarna Gramin Bima Yojana (Group)

Universal Sompo Swarna Gramin Bima Group Yojana can be taken up by an organization such as NGOs, Financial Institutions for covering its rural clientele.

Unique Features

  • Coverage against personal accident
  • Coverage against critical illness
  • Optional covers available

Universal Sompo Corona Specific Policies

Covid-19

Corona Rakshak Policy

Corona Rakshak Policy addresses the financial expenses that occur due to the hospitalization of COVID-19.

Unique Features

  • Affordable Premium
  • Flexible Sum Insured
  • Annual Health Check-Up

Covid-19

Corona Kavach Policy

Corona Kavach policy offers coverage against the expenses that arise at the time of COVID-19 treatment.

Unique Features

  • Emergency Ambulance
  • Post-Hospitalization Expenses
  • AYUSH Healthcare

Universal Sompo Health Insurance Network Hospital List

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 it 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 at your registered email address.

Note:The company offers certain offline plans. To buy those plans you need to visit the nearest branch of the company.

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

For Cashless Claim

  • You need to intimate the insurer within 24 hours of emergency hospitalization and 48 hours before a planned admission to the network hospital.
  • Show your health card along with valid ID proof and fill in 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.

How To Contact Universal Sompo General Insurance?

Universal Sompo's Customer care is available 24*7. Below- mentioned are all the means by which one can contact the company:

Plot No - EL-94, KLS Tower, TTC Industrial Area, MIDC, Mahape, Navi Mumbai 400710.

contactus[at]universalsompo[dot]com

For Claims:
contactclaims[at]universalsompo[dot]com

1800 200 5142, 022 - 39 63 5200

Fax:1800-200-9134

Customer Care Helpline:
1800 200 4030, 022 - 27 63 9800,022 - 39133700

Health Insurance Articles

Universal Sompo Health Insurance: Frequently Asked Questions

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

The plan allows the individuals to get free access to the company'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

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

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

4. 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.

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's end date, your policy will terminate and a part of the premium will be reimbursed to you according to the policy'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.

Universal Sompo Health Insurance Reviews

Read what our customers have to say about Universal Sompo Health insurance company and Universal Sompo Health mediclaim policy.

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Himanshu Raina

Pune

May 31, 2022

I bought Universal Sompo Health Insurance back in 2020. Since then, I have not faced any issues with my policy. Moreover, in Jan 2021, my wife was diagnosed with Covid-19, and the company settl...

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Sita Dewan

Surat

September 7, 2021

My friend refers me to Universal Sompo to buy a health policy, and I am very much satisfied with their services.

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Sheersha Devi

Jaipur

September 2, 2021

I bought a Universal sompo complete healthcare insurance I am renewing my policy for the last 2 years. And from the last 2 years No complaints from anyone.

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Kavita kumari

Chennai

September 1, 2021

Good plans at affordable prices, amazing customer support, timely settled my claim. Thanks Universal Sompo

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Devendra Singh Negi

Dehradun

June 7, 2021

Universal Sompo is not just a health insurance company, but also a friend that assists you at every stage in the time of medical emergency. I must say, if you are looking for a health insurance...

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Vidhya Mukherjee

Chennai

June 7, 2021

It is a very good company that looks after its customer s health needs. I recently got my claims settled without facing any hassles and worries. Thank-you Universal Sompo.

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Diya Gautam

Chandigarh

June 7, 2021

I have brought one health plan from this company for my aged parents. With affordable premium, I can say I have made their golden years indeed a beautiful phase.

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Samiksha

Dehradun

May 6, 2018

I have used the Universal Sompo General Insurance service two times, first time they provided 100% cashless and the second time it was 80% overall it was good.

View AllUniversal Sompo Health Insurance Reviews