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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 

Written By: Paisawiki - Updated: 22 September 2020

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