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Universal Sompo Complete Healthcare Insurance
  • Restoration Benefit
  • Second Medical Opinion
  • 3 plan variant
Universal Sompo Health Insurance
premium

Network hospitals

4000+

premium

Claim settlement ratio

95.77%

premium

Sum insured

Up to 10 Lakh

premium

No. of Plans

20

premium

Solvency Ratio

2

premium

Pan India Presence

-

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

4000+

premium

Claim settlement ratio

95.77%

premium

Sum insured

Up to 10 Lakh

premium

No. of Plans

20

premium

Solvency Ratio

2

premium

Pan India Presence

-

Universal Sompo 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 hospitalization. The policy enables the policyholder to add up to 5 family members and can increase the number up to 20. The Universal Sompo Complete Health Insurance Brochure can be downloaded from the link given below on this page and you can read all the unique features the policy provides.

With a healthy and reliable claims settlement ratio of 95.77%, Universal Sompo emphasizes transparency and exceptional customer service.

Universal Sompo Complete Healthcare Insurance Specifications

Adult Entry Age Minimum:18 Years
Maximum: 75 Years
Child Entry AgeMinimum: 91 Days
Maximum: 25 Years
Sum Insured (in Rs.) Minimum:1 Lakhs
Maximum: 10 Lakhs
Plan Type Individual /Family Floater
Policy Period 1 Year, 2 Year, 3 Year
Plan Variant Basic, Essential, Privilege
Premium payment mode Annually
Maximum Number Of Members Allowed 6 Members that can be increased to 20
Initial Waiting Period* 30 days 36 Months for Pre-existing Diseases. 24 Months for Maternity and Chilborn Benefits 90 Days for Critical Illness

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

To know more about the plan, download the Universal Sompo Complete Healthcare Insurance Brochure:

Features of Complete Healthcare Insurance Universal Sompo

The Universal Sompo Health Care Plan offers a multitude of advantages that ensure policyholders are well-protected against various medical expenses. Let us have a look at the features of the plan:

  • In-patient Hospitalization
    The policy covers expenses for hospitalization due to disease, illness, or injury during the policy period that requires an insured person's admission to a hospital as an inpatient.
  • Medical Expenses Coverage
    Complete Healthcare Insurance Universal Sompo covers medical expenses directly related to hospitalization, including room rent, boarding expenses, nursing services and many more.
  • Day Care Procedures
    The plan also covers medical expenses for any daycare procedures where the insured person undergoes a procedure or surgery as an inpatient for less than 24 hours in a hospital or standalone daycare centre.
  • Pre-Hospitalization Coverage
    The medical expenses incurred will be paid within 30 days of hospitalization, the person only has to submit all medical documents containing details about the illness and the proposed date and place of hospitalization at least 5 days before the hospitalization.
  • Post-Hospitalization Coverage
    The medical expenses incurred will be reimbursed within 60 days of hospitalization, the person only has to submit all documents at least 5 days after the hospitalization. The documents are
    • Comprehensive medical documents with detailed information about the illness.
    • Proposed hospitalization date and location.
  • Restore Benefit
    If the base Sum Insured and No Claim Bonus (if any) are exhausted due to claims made and paid during the policy year, a Restore Sum Insured equal to 100% of the base sum insured will be automatically available for that particular policy year.
  • Cumulative Bonus
    For every claim-free year, a Cumulative Bonus of 10% of the Sum Insured is applicable and will accumulate up to 50% of the Sum Insured for up to 10 lacs of Base SI. The maximum cumulative bonus should not exceed 100% of the Inpatient Sum Insured.
  • Health Check-up
    • The policy covers the reimbursement of the cost of a preventive health check-up for the insured person who was covered during the previous policy year.
    • The coverage limits for health check-ups vary based on the Sum Insured chosen.
    • No health check-ups up to the age of 55.
    Table data for the Health Check-up coverage of Complete Healthcare Insurance Universal Sompo:
    Individual health check-up coupon limit 1000
    Family Floater Two health check-up coupon limit 2200
  • Premium Discount
    There are three types of discounts or rebates available under the plan:
    • Family Discount - A premium discount is permitted if family members are covered under the plan. The discount is as follows and is determined by the number of covered members:
      Members Discount
      2-3 Members 5%
      4-5 Members 7%
      More than 5 Members 10%
    • Long-term policy discount:
    • The premium rate may be reduced by between 5% and 7.5% if the insurance is held for two or three years.
    • Online Discount: You can get a discount of rs 110 on buying the policy online.

Benefits of Universal Sompo Complete Healthcare Insurance

Universal Sompo Health Care Plan offers a variety of benefits, the expenses of which are determined by the plan variant chosen. The benefits offered by each plan option are listed in the table:

In-patient & Out-patient coverage

Room Rent

Covered up to SI

ICU Charges

Covered up to SI

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Covered up to SI

Daycare Treatment

141 Treatment Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Covered

No Claim Bonus

Applicable

Automatic Restoration

Unlimited up to 100%

Daily Hospital Cash

Available

Organ Donor

Covered up to SI

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered up to SI

IVF Treatment

Not Covered

Modern Treatment

Covered up to SI

Emergency Coverage

Ambulance

Upto Rs.1000

Air Ambulance

Not Covered

Compassionate Travel

Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Covered

Limitations

Co-payment

5% discount and 10% co-pay

Sub-limits

5%, 7.5%

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under Universal Sompo Complete Healthcare Insurance Plan, the room rent is covered.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under Universal Sompo Complete Healthcare Insurance Plan, ICU charges are covered up to 2% /day for the Sum Insured.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under the Universal Sompo Complete Healthcare Insurance Plan medical expenses incurred during pre-hospitalization are covered for up to 30 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under the Universal Sompo Complete Healthcare Insurance Plan medical expenses incurred during pre-hospitalization are covered for up to 60 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under Universal Sompo Complete Healthcare Insurance, domiciliary hospitalization is covered subject to a maximum of 20% of the Sum Insured or INR 20000, whichever is less.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Universal Sompo Complete Healthcare Insurance covers the expenses of daycare treatment up to SI.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Universal Sompo Complete Healthcare Insurance cover OPD charges.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved Centre.

Coverage status under Universal Sompo Complete Healthcare Insurance?

COVID-19 treatment is not covered by Universal Sompo Complete Healthcare Insurance Plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Universal Sompo Complete Healthcare Insurance Plan covers cataract treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Universal Sompo Complete Healthcare Insurance?

The cumulative Bonus is available under Universal Sompo Complete Healthcare Insurance.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under Universal Sompo Complete Healthcare Insurance 100 % automatic restoration is available. This Policy may be renewed by mutual consent every year.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Universal Sompo Complete Healthcare Insurance?

The daily hospital cash is available under Universal Sompo Complete Healthcare Insurance as an add-on benefit. It totally depends upon the variant you opted for as basic has Rs 1000, Essential has a limit of Rs 2000 and Privilege has a limit of Rs 5000.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under Universal Sompo Complete Healthcare Insurance, organ donor expenses are covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under the Universal Sompo Complete Healthcare Insurance Plan, maternity expenses are covered, except for ectopic pregnancy. Each variant has its own conditions and they are:

For Essential Variant

  • Normal delivery – Rs.15,000
  • Cesarean delivery – Rs.25,000
  • It also includes pre and post-natal expenses up to Rs.2000.

For Privilege Variant

  • Normal delivery – lower of actuals or Rs.55,000
  • Cesarean delivery – lower of actuals or Rs.50,000
  • It also includes pre and post-natal expenses up to Rs.2000
What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under Universal Sompo Complete Healthcare Insurance Plan, the newborn baby cover is available for a maximum period of up to 91 days.

For Essential Variant

Covered Up to the Sum Insured from the first day till policy renewal or till the baby reaches 91 days of age

For Privilege Variant

Covered Up to the Sum Insured from the first day till policy renewal or till the baby reaches 91 days of age

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Universal Sompo Complete Healthcare Insurance?

AYUSH is Covered Under Universal Sompo Complete Healthcare Insurance.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under Universal Sompo Complete Healthcare Insurance IVF treatment is not covered.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under Universal Sompo Complete Healthcare Insurance modern treatments are covered. Such as medically necessary prosthetic or artificial devices or any medical equipment including but not limited to hearing aids, spectacles, contact lenses etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under Universal Sompo Complete Healthcare Insurance Plan, ambulance charges would include transportation costs to the nearest hospital in case of life-threatening emergency conditions.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under Universal Sompo Complete Healthcare Insurance Plan, Air Ambulance is not covered.

What is Compassionate Travel?

Refers to the travelling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under Universal Sompo Complete Healthcare Insurance compassionate plan is covered.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under Universal Sompo Complete Healthcare Insurance Global coverage is not available.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under Universal Sompo Complete Healthcare Insurance e-consultation is covered.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under Universal Sompo Complete Healthcare Insurance, a health checkup is covered. Only a pre-acceptance Health Check is not mandatory for people covered under Universal Sompo Complete Healthcare Insurance. The cost totally depends upon the variant of the plan:

Basic Once after 2 claim-free years for one member. In the case of family, floater plans for two members

Essential Once after every claim-free year for one member or two members(family floater)

Privilege Once after every claim-free year for one member or two members(family floater)

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under the Universal Sompo Complete Healthcare Insurance second medical opinion are covered.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Universal Sompo Complete Healthcare Insurance?

Under Universal Sompo Complete Healthcare Insurance Plan, vaccination expenses are covered.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Universal Sompo Complete Healthcare Insurance?

It is applicable under Universal Sompo Complete Healthcare Insurance, Co-Payment on claims in non-network hospitals - 10% on all eligible admissible claims.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under Universal Sompo Complete Healthcare Insurance?

It is Applicable under Universal Sompo Complete Healthcare Insurance, with 5%,7.5% and 10 % of the variation.

Add-On Services Provided by The Universal Sompo Health Care Plan

  • Dial-a-Doctor
    Experience the convenience of seeking medical advice from a doctor through telephonic or online consultations.
  • Health Educational Library for People (HELP)
    Gain exclusive access to Health Education Library for People (HELP) of the company, they provide a help desk to ask health experts questions, watch health talks, access online health guides and videos, and engage in live chat sessions.
  • Second Medical Opinion
    If the insured person requires further reassurance or alternative perspectives on the treatment, this plan offers the option to obtain a second opinion on your health condition.
  • Specialist Consultation with Follow-Up Sessions
    Avail an e-consultation with a specialist, along with two follow-up sessions.
  • Wellness Package
    Get a discount on health and wellness products and services. Take advantage of cost-saving opportunities on various wellness offerings, including fitness products, wellness consultations, spa services, and more.

Complete Healthcare Insurance Universal Sompo Plan Cancellation

On the basis of fraud, misrepresentation, or non-disclosure, the company can cancel the coverage. The paid premiums in this instance are not reimbursed. Following are the premium refund percentages for policies that are canceled:

Coverage period Within 1 month Within 1-3 months Within 3-6 months Within 6-12 months In the 2nd year In the 3rd year
1 year 75% 50% 25% 0%NANA
2 year 75% 65% 50% 25%0%NA
3 year 75% 70% 60% 45%11%0%

Explore other Universal Sompo Health Plans

Universal Sompo Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

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

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

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

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

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Universal Sompo Network Hospital

Universal Sompo Complete Healthcare: FAQ's

1. What is the entry age for this insurance plan?

The minimum entry age for adults is 18 years, and the maximum entry age is 75 years. For dependent children, the minimum entry age is 91 days, and the maximum entry age is 25 years.

2. What is the minimum and maximum sum insured under this plan?

The minimum sum insured is 1 lakh rupees, and the maximum sum insured is 50 lakh rupees.

3. What is the policy period available for Universal Sompo Complete Healthcare Insurance?

The policy period options available are 1 year, 2 years, and 3 years.

4. Is there a waiting period for pre-existing diseases?

Yes, there is a waiting period of 48 months for pre-existing diseases.

5. What does the policy cover during hospitalization?

The policy covers expenses related to in-patient hospitalization, including room rent, boarding expenses, nursing services, ICU charges, medical practitioner fees, surgeries, medicines, and diagnostic procedures.

6. Does the policy cover pre and post-hospitalization expenses?

Yes, the policy covers pre-hospitalization expenses incurred within 30 days before hospitalization and post-hospitalization expenses incurred within 60 days after discharge from the hospital.

7. Are there any additional benefits offered by the policy?

Yes, the policy offers benefits such as restored sum insured, cumulative bonus, health check-up coverage, domiciliary treatment coverage, ambulance coverage, dental treatment in case of accidents, AYUSH benefit, daily cash for accompanying an insured child, vaccination coverage, and more.

8. Are there any exclusions under the Universal Sompo Complete Healthcare Insurance?

Yes, some exclusions include ongoing diagnostic expenses, obesity/weight control treatments, cosmetic or plastic surgery, hazardous or adventure sports injuries, and treatment for the temporomandibular joint.

9. What are the add-on services provided by Universal Sompo Complete Healthcare Insurance?

The add-on services include Dial-a-Doctor for telephonic or online consultations, Health Educational Library for People (HELP) for access to health experts and educational resources, second medical opinion, specialist consultation with follow-up sessions, and wellness package discounts.

10. What is the grace period of the Universal Sompo Complete Healthcare Insurance Plan?

The grace period of the Universal Sompo Complete Healthcare Insurance Plan is 30 days.

11. Does Universal Sompo Complete Healthcare Insurance provide portability?

Yes, this palm provides a portability option. The person may transfer his current health insurance policy from another firm to this one if he so chooses. Requests for such portability must be made at least 45 days prior to the expiration of the prior policy being migrated.

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Read Reviews & Ratings

Customer Review Image

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...

Customer Review Image

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.

Customer Review Image

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.

Customer Review Image

Kavita kumari

Chennai

September 1, 2021

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

Customer Review Image

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...

Customer Review Image

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.

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