Get insured from the comfort of your home No medicals required

Tell us about you

Universal Sompo Health Insurance

250+ Plans 18 Insurance Companies

₹ 5 Lakh Coverage @ ₹ 10/day

7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Universal Sompo Health Insurance

Universal Sompo Health Insurance is one of the most preferred insurance products, which can be availed for individuals, families, senior citizens etc. These plans cater to the varying needs of people seeking health insurance. Individual Health Insurance covers hospitalization as well as medical expenses, the Critical Illnesses Insurance Policy, which can be purchased by an individual, includes coverage for parents, spouse as well as parent-in-law.

What is Universal Sompo Health Insurance?

Universal Sompo Health Insurance offers a plethora of highly competitive insurance plans to provide the best health insurance solutions. This company keeps customer satisfaction at the top of its priority list and believes in the consistent improvement of its products and services.

It is licensed by the Insurance Regulatory and Development Authority, the official insurance regulatory body of the Government of India. The company abides by the regulations as notified by IRDAI from time to time.

Universal Sompo has its expertise in general insurance and also deals in insurance products like travel insurance, vehicle insurance, accidental insurance, critical illness insurance, bancassurance, etc.

With varied health insurance products for all age groups, the company's products have a wider footprint.

Why Should You Choose Universal Sompo Health Insurance?

One should make important investment choices based on the proof of returns. The Universal Sompo General Insurance Highlights provide credible data to form the basis of choosing the Universal Sompo Health Insurance plan.

FEATURES	SPECIFICATIONS
Network Hospitals	7700 Plus
Number of Policies Issued	214789
Waiting Period for Pre-existing Diseases	4 Years
Incurred Claims Ratio	56.3
Grievances Solved	100%
Renewability	Lifetime

Since getting into business, Universal Sompo Health Insurance has been able to settle more than 90% of the claims successfully. World over, it has a tie-up with over four thousand hospitals that provide cashless treatment to patients enrolled with the Universal Sompo Insurance.

24X7 customer support is available for the customers of Universal Sompo, which cater to people who have trusted it with providing health insurance to themselves and their loved ones.

Types of Universal Insurance Health Insurance

Below types of plans are offered under Universal Sompo health insurance:

Universal Sompo Super Healthcare Insurance
Universal Sompo Aarogya Sanjeevani Insurance
Universal Sompo Individual Health Insurance
Universal Sompo Group Health Insurance Policy
Universal Sompo Individual Accident Policy
Universal Sompo Janata Personal Accident Insurance
Universal Sompo Group Personal Accident
Universal Sompo Aapat Suraksha Bima Policy
Universal Sompo Hospital Cash Insurance Policy
Universal Sompo Senior Citizen Health Insurance Policy
Universal Sompo Critical Illness Insurance Policy
Universal Corona Kavach Policy
Universal Corona Rakshak Policy

Universal Sompo Health Insurance Comparison Table

Plans	Sum Insured	Eligibility	Unique Features & Benefits	Policy Term
Universal Sompo Super Healthcare Insurance	Up to Rs 1 cr.	Maximum 80 years	Maternity & newborn cover after 9 months AYUSH treatment Free Emergency Air Ambulance Service Loyalty benefits Coverage for weight-loss surgery 16 relationships covered No-medical test up to 65 years Restoration of sum insured Word-wide coverage	Up to 3 years
Universal Sompo Aarogya Sanjeevani Insurance	Rs 1 lakh- 5 lakh	18- 65 years Child: 91 days	Day care treatment AYUSH Cover Pre and Post hospitalisation cover Coverage for modern treatment 5% no claim bonus Dental treatment cover Coverage for plastic surgery due to injury	1 year
Universal Sompo Individual Health Insurance	Up to 5 lakh	18- 65 years	Critical illness cover as add-on No medical test up to the age 45 years Domiciliary treatment	1 year
Universal Sompo Group Health Insurance Policy	Up to 5 lakh	18 years minimum	Maternity benefit under add-Hospital cash cover as in built benefit Critical illness cover as add-on	1 year
Universal Sompo Individual Accident Policy	-	5 years-65 years	3 coverage options available Death benefit covered by Basic Cover Wider cover includes death, Permanent Total Disability and Permanent Partial Disability Comprehensive option covers death, Permanent Total Disability and Permanent Partial Disability and Temporary Total Disability Compensation benefit as per the policy terms Ambulance charge, education fund, loss of employment etc. as add-on benefit	1 year
Universal Sompo Janata Personal Accident Insurance	-	5 years-65 years	Cover employees of a firm/association/company/club/NGO etc. Offers defined benefit for death and Permanent Total Disability	1 year
Universal Sompo Group Personal Accident	-	18 year minimum	3 coverage options available Death benefit covered by Basic Cover Wider cover includes death, Permanent Total Disability and Permanent Partial Disability Comprehensive option covers death, Permanent Total Disability, Permanent Partial Disability and Temporary Total Disability Compensation benefit as per the policy terms Ambulance charge, education fund, loss of employment etc. as add-on benefit	1 year
Universal Sompo Aapat Suraksha Bima Policy	-	-	Critical Illness Cover Accidental Death cover Permanent Total Disability cover	-
Universal Sompo Hospital Cash Insurance Policy	90,000-5,40,000	18 years-70 years	6 sum insured policy options Hospital Confinement Benefit Intensive Care Benefit Convalescence Benefit 5% savings on premium for family policy	2, 3 years
Universal Sompo Senior Citizen Health Insurance Policy	-	60 years-70 years	Daily allowance NCB bonus of 5% Coverage for accompanying person Critical illness benefit as add-on cover Free health check-up after 3 claim-free years	1 year
Universal Sompo Critical Illness Insurance Policy	Rs 2.5-20 lakh	18 years-65 years Child-5 years	11 critical illnesses covered Long term policy option 30 days survival period	1,2,3 years
Universal Corona Kavach Policy	Rs. 50,000 to 5,00,000	18 years-65 years Child: day 1 to 25 years	Hospitalisation expense due to coronavirus Ambulance cover up to Rs 2000 AYUSH treatment cover Optional Hospital daily cash benefit Home care treatment cover	3½ months, 6 ½ months, 9 ½ months
Universal Corona Rakshak Policy	Rs. 50,000-2,50,000	18 years-65 years	100% sum insured as lump sum on COVID positive test	3½ months, 6 ½ months, 9 ½ months

Features and Benefits of Universal Sompo Health Insurance

The features and benefits with add on advantages of purchasing Universal Sompo Health Insurance plans are mentioned below:

The policy sum insured cam be availed in 3 options for both individual and floater basis- Basic, Essential and Privilege. The maximum sum insured to be availed is Rs 10 lakh.
The policy covers hospitalisation expenses as well as domiciliary treatment cover up to a limit.
The floater policy options available are:
The Floater Options Available are:
- 1 Adult 1 Child
- 2 Adult + 1 Child
- 1 Adult+2 Child
- 2 Adult + 2 Child
- 1 Adult 3 Child
- 2 Adult + 3 Child
- 2 Adult
- 2 Adult + 4 Child
Universal health insurance covers 30 days pre-hospitalisation and 60 days post-hospitalisation expenses incurred.
Organ donor expenses are covered.
The policy reimburses the cost of transportation while taking the patient to the hospitals.
Accidental dental cover up to a limit is offered.
The policy also covers AYUSH treatment expenses.
OPD expenses are covered up to a limit.
Minor cough and cold, diagnostic test or OPD dental treatment, expenses incurred for spectacles, lenses, hearing aids etc. are covered after a waiting period of 3 years.

Exclusions of the Universal Sompo Health Insurance

The health insurance plans offered by Universal Sompo Health Insurance contain exclusions which are as follows:

Pre-existing diseases will be covered after a waiting period of 48 months.
Treatment of diseases like hernia, cataract, arthritis, joint replacements, stones, tonsil or sinus surgery, gastric and duodenal ulcers, piles, etc. in the 1st policy year
The sickness that is classified as an epidemic
Domiciliary or general hospitalization within 30 days of initiation of insurance cover on account of illness
Circumcision unless for the treatment of a disease.
Dental emergency or treatment other than an accidental injury
Self-inflicted injuries, suicide, attempt to suicide, venereal diseases, and alcohol/drug use
AIDS and related treatments
Pregnancy and childbirth-related losses
Alternative treatments

Eligibility Criteria to Buy the Universal Sompo Health Insurance

Age and policy terms for Universal Sompo Health Insurance are as follows:

Minimum Entry Age	· 18 years (adults) · 91 days (children)
Maximum Entry Age	· 70 years (adults) · 25 years (children)
Policy Tenure	1-3 years
Premium Frequency	Single
Sum Insured	Rs 1 lakh to Rs 10 lakh

How to file a Claim for Universal Sompo Health Insurance?

While filing claims for health insurance, a person can file it two ways:

For Cashless Treatment: Seeking insurance coverage to pay upfront for the treatment.
For Reimbursement Treatment: Claim settlement is done after availing the treatment and paying the bills on own.

Cashless claim can be availed at network hospitals only where the reimbursement claim is for availing treatment from a non-network hospital.

Cashless Claim

Contact one of the network hospitals registered with the insurance company. Make sure that you possess the health card issued by the Universal Sompo Health Insurance.
Contact on the number mentioned on the company’s website- health insurance helpline number.
It is better if the company is contacted two days before the admission of the person for better execution and lesser delays.
Provide the hospital with the company's health card as well as your photo ID proof.
Fill the pre-authorization form and get the signatures of the attending doctor. For planned hospitalization, submit an authorization letter with the form and send it to the insurance provider.
The insurance company contacts the bank and updates the claim status.
Once all this is done, the medical bills generated by the hospital are paid by the insurance company.

Reimbursement Claim

Inform the Universal Sompo Health Insurance at the earliest for mediclaim
Generate all the hospital bills, along with reports, which have been paid by the policyholder
Submit the claims made with the company
After verification, the payments are released from the insurance company’s end.

Documents Required for the Claim Process

The list of documents required for claiming health insurance are:

Claim form (duly filled and signed with all the necessary information filled in it)
Hospitalization repost
Discharge Card provided by the hospital
Original certificate provided by a government hospital in case of hospitalization in a government hospital
Original FIR
Post mortem report in case of death
Original punchnama

A termination letter in case of temporary disablement

How to Renew Universal Sompo Health Insurance?

Universal Sompo Health Insurance offers lifelong renewability benefit, where the policy has to be renewed every year.

The policy renewal is done every year. The grounds of non-renewal of the policy are misrepresentation, non‐cooperation, moral hazard, or fraud by the policyholder.
The policy renewal cannot be denied on the ground that a claim was made in the earlier or previous years, not including the optional benefit covers where the coverage under the benefits such as personal accident and critical illness cover will terminate after the payment is made.
The Universal Sompo Health Insurance company provides for a mechanism that condones a delay in the policy renewal for up to thirty days from the due date of the renewal. This condonation is not considered as a break in the policy.
In case the policyholder has moved into a higher age band, the premium amount is increased by the time of the next renewal. However, no alteration in premium rates is generally introduced until the next renewal under this policy.
A fresh policy may be issued in case the grace period for policy renewal has lapsed. This is subject to an underwriting criterion which states that no continuing benefits shall be available from the expired policy.
Under this policy, all premiums are payable in advance of any cover. Under the policy, the basic premium applicable may be revised (being subject to approval from the IRDAI).

Steps of Renewing:

The policy can be renewed easily by visiting Paisawiki.com. Universal Sompo Health Insurance can be compared online through online calculator at Paisawiki. To calculate premium quickly, the following information is required:

Age of the policyholder
Policy term
Coverage details of the policyholder
Detailed medical history
The type of policy to be purchased
Sum insured needed

On filling out this information in the online calculator, the premium amount gets generated immediately, and one can compare online and pay the premiums for renewing the policy.

How to Buy Universal Sompo Health Insurance?

To compare online and buy a health insurance policy plan, you can visit Paisawiki.com and browse through the plans of Universal Sompo. The steps for buying health insurance from Paisawiki are as follows:

Visit the official website Paisawiki.com
Go to the health insurance and fill in the required details in the given calculator above.
Select the type of health insurance you require from the given options.
The calculator will suggest a list of plans as per your requirement.
Calculate the premiums and compare.
Choose the best plan by paying the premium online through a secured payment gateway.

Documents Required to Buy Universal Sompo Health Insurance

The list of documents required to subscribe to health insurance with the Universal Sompo Health Insurance Company are:

A medical report which is not older than 6 months
Address proof
Age proof
Passport size photograph
Bank account proof and bank statements
Income proof

FAQs

Q: Does the Universal Sompo Health Insurance cover family members as well?

Ans: Yes, the health insurance covers the spouse, children, and parents in the insurance cover. They all can be added to the plan as dependents under the floater plan. The policy can be extended to the mother, father, mother-in-law, father-in-law, daughter, son, daughter-in-law, grandchildren, and grandparents on an individual basis. A person’s unmarried children are eligible as dependents under the health insurance policy. The children can also get enrolled as full-time students enrolled at educational institutions are eligible until they attain the age of 25.
Q: Does health insurance cover travel worldwide?

Ans: No, benefits will be payable only when incurred in India.
Q: Is it necessary to get a medical examination done to buy the plan?

Ans: Generally, a medical exam is not required for purchasing the plan. In the instances where any of the applicants are above 55 years of age or based on declaration in the proposal form, additional information is required for accurate underwriting purposes. It is required that you undergo medical tests or submit your previous medical records. Medical Examination reports are valid for 6 months.
Q: Does the plan cover any injuries or illnesses that a person had before enrolling in the plan?

Ans: The cover for all pre-existing medical conditions is excluded during the first three years of insurance if you were covered under a health insurance policy from Universal Sompo or any other Indian insurer and accept the request for portability.
Q: As per the plan, is any excess or co-payment applicable?

Ans: A person who avails the option 'Treatment in tiered network' and does not get treated in the tiered networks have to pay a Co-pay of 10%.
Q: What is the way to find out if one is covered before treatment?

Ans: You should inform the company to determine whether treatment is covered under your policy before a planned admission into the hospital.
Q: Is information about the Universal Sompo Health Insurance available online?

Ans: Yes, you have access to claim forms and value-added services information.
Q: What is the status of direct inpatient settlement for the policy?

Ans: Yes. Universal Sompo Health Insurance has negotiated with a large number of hospitals all over India to avail of the best medical facilities and to have access to quality care when and where you may need it.
Q: By whom is the policy provided?

Ans: Your policy is directly underwritten and serviced by the company only.
Q.How is the premium to be paid?

Ans: You have a choice of paying the premium by direct debit, credit card, or cheque.
Q: What are the age limits prescribed for enrollment in the policy?

Ans: Yes, any person buying this policy should be at least 18 years of age or above. The policy also has a maximum entry age limit of 70. Once you are covered, there is no exit age under the policy.
Q: Does the premium go up at renewal?

Ans: Universal Sompo Health Insurance reviews its premiums annually to reflect the overall cost of claims and medical inflation. Plans are priced based on age bands. An age-related increase is reflected in the premium in addition to the insurance review of the portfolio. The premium can be influenced by other factors, such as a change in the risk profile. But the premium will not be increased during renewal based on the claims made under the policy.
Q: Is there a provision available to cancel the policy?

Ans: Yes, you may cancel your insurance plan by telephoning the company, by email or in writing. The policy can be cancelled within 15-days of free look period. This period starts from the day you receive your insurance policy document. Premium paid till date will be refunded applying the policy terms and conditions.