Universal Sompo Health Insurance
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Overview of Universal Sompo Health Insurance
Universal Sompo health insurance plans are offered by the Universal Sompo General Insurance Company. The company was started as a joint venture between the Indian Overseas Bank, Karnataka Bank, Indian Bank, Sompo Japan Insurance Inc and Dabur Investments in January 2007. These plans have been designed to meet all the medical requirements of individuals, families and senior citizens with customized plans to cover critical illnesses.
Besides, the Universal Sompo General Insurance Company follows a customer-first approach and has a quick claim process. Moreover, the company has also earned an incurred claim ratio of 113.39% in the year 2021-22.
Universal Sompo Health Insurance Plans
Universal Sompo Health Insurance plans provide financial assistance to the insured to pay for emergency and planned medical expenses. Take a look at the various health insurance plans offered by the Universal Sompo General Insurance Company below:
For individuals/ family
For senior citizens
For daily hospital cash
For emigrants
For students
For villagers
Plan name
For accidents
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
View more plansUniversal Sompo Health Insurance Plans in Detail:
Universal Sompo Complete Healthcare Insurance Plan
Universal Sompo Complete Healthcare Insurance is a comprehensive plan that provides medical coverage to the insured while being hospitalized. The plan offers a sum insured amount ranging from Rs 1 lakh to Rs 50 lakh. It also comes with seven sub-types – Basic, Essential, Privelege, Plus, Premier, Executive and Digi-Pro.
Features & Benefits:
- Coverage for hospitalization expenses, OPD consultations and accidental dental treatments
- Mother and child care benefits are available, including pre and post-natal expenses
- Cost of domiciliary treatment, AYUSH treatment and vaccination post-bite is covered
- Convalescence benefit and daily cash for accompanying an insured child are available
- 100% restoration of the sum insured and health check-up facilities are available
- Personal accident, critical illness, emergency assistance services and global cover available as add-ons
- PED waiting period waiver, sterility & infertility treatment and premium waiver are also available as add-on covers
Universal Sompo Super Healthcare Insurance Plan
The Universal Sompo Super Healthcare Insurance plan provides financial coverage to the insured when the hospital bills cross the sum insured limit of the base policy. The plan offers both top-up and super top-up options. While the sum insured ranges from Rs 1 lakh to Rs 1 crore, the deductible amount ranges from Rs 50,000 to Rs 40 lakh.
Features & Benefits:
- Cost of hospitalization, day care treatments and bariatric surgeries are covered
- Maternity benefit, domiciliary hospitalization and assistance services are also available
- No pre-policy medical tests for up to 65 years and a sum insured of Rs 20 lakh
- Free health check-up facility is available every year
- Automatic restoration of the sum insured for up to 100%
- 20% cumulative bonus for up to 100% is granted for every claim-free year
- Option to add global care cover is also available
Universal Sompo A Plus Health Insurance Plan
Universal Sompo A Plus Health Insurance is an extensive plan that covers the medical expenses of the insured arising out of an illness or injury. The sum insured amount ranges from Rs 3 lakh to Rs 1 crore.
Features & Benefits:
- Hospitalization, psychiatric illness and day care treatments are covered
- OPD expenses and global cover are available only under the Diamond plan
- Automatic restoration of the sum insured for up to 100% is available
- No pre-policy medical check-up is required for up to 55 years
- Preventive health check-ups and assistance services are also available
- Cumulative bonus is available after every claim-free year
- Day 1 coverage for diabetes and hypertension available as add-ons under the Diamond plan
- PED waiting period waiver, maternity cover and non-medical items are also available as add-on covers
Universal Sompo Senior Citizen Health Insurance Plan
Universal Sompo Senior Citizen health insurance is a senior citizen health plan designed to cover the medical expenses of elderly people above the age of 60 years. The plan is available for a sum insured amount ranging from Rs 1 lakh to Rs 5 lakh.
Features & Benefits:
- In-patient, pre-hospitalization and post-hospitalization expenses are covered
- Domiciliary hospitalization and daily allowance benefit are available
- Ambulance charges and expenses incurred by accompanying person are also covered
- Cost of health check-ups is covered after every 3 claim-free years
- 5% cumulative bonus is granted for every claim-free renewal
- Critical illness cover is available as an optional cover
Universal Sompo Critical Illness Insurance Plan
Universal Sompo Critical Illness Insurance is a customized plan that provides financial assistance to the insured on the first diagnosis of 11 critical diseases, including cancer and kidney failure. The plan offers a sum insured ranging from Rs 2.5 lakh to Rs 20 lakh.
Features & Benefits:
- Coverage available for 11 critical illnesses and surgical procedures
- No pre-policy medical examination for up to 55 years
- A survival period of 30 days is applicable
Universal Sompo Loan Secure Insurance Plan
The Universal Sompo Loan Secure Insurance plan provides financial security to the insured in case he/she is diagnosed with a listed major illness and is, therefore, unable to pay the loan amount. The sum insured amount ranges from Rs 50,000 to Rs 3 crore.
Features & Benefits:
- Coverage for up to 18 listed major diseases
- Personal accident cover, including accidental death and disability, is available as an optional cover
- Loss of job and fire & allied perils are also available as optional covers
- No pre-insurance health check-up is required for up to 50 years and the sum insured of Rs 1 crore
Universal Sompo Individual Accident Plan
The Universal Sompo Individual Accident plan is designed to provide financial support in case the insured meets with an unforeseeable accident. The plan is available for a sum insured of Rs 1 lakh to 10 lakh.
Features & Benefits:
- Coverage for accidental death and permanent total/partial disablement are available
- Cost of transportation, ambulance and damaged clothing is also covered
- Temporary total disablement cover is also available
- Education fund and loss of employment cover is also available
- Option to add medical expenses extension and hospital confinement allowance
Universal Sompo Hospital Cash Insurance Plan
The Universal Sompo Hospital Cash Insurance plan pays a daily hospital cash allowance to the insured to cover ancillary expenses, such as the cost of food, travel, etc. The sum insured for the plan ranges from Rs 500 per day to Rs 3000 per day.
Features & Benefits:
- Hospital confinement benefit is paid for each day of hospitalization
- Twice the daily cash amount is paid under the ICU benefit
- Convalescence benefit is paid if the insured is hospitalized for more than 21 days
- No pre-acceptance medical tests for up to 55 years
Universal Sompo Aapat Suraksha Bima Plan
The Universal Sompo Aapat Suraksha Bima plan offers medical coverage to the insured against the sudden diagnosis of a listed critical illness or accidental death & disability. The sum insured for this plan ranges from Rs 25,000 to Rs 2 lakh.
Features & Benefits:
- Coverage for 5 critical illnesses are available
- Both accidental death and permanent total disablement are covered
- A survival period of 30 days applies to critical illness cover
Universal Sompo Swarna Gramin Bima Yojana (Individual)
Universal Sompo Swarna Gramin Bima Yojana (Individual) is a customized plan that covers people living in villages against personal accidents and critical illnesses. The sum insured under this plan ranges from Rs 50,000 to Rs 2 lakh.
Features & Benefits:
- Coverage for accidental death and permanent total/partial disablement are available
- Lump payment is made on the diagnosis of 11 critical illnesses
- Daily hospital cash is paid in case of more than 2 days of hospitalization
- Twice the daily hospital cash amount is paid in case of ICU hospitalization
- Coverage for pre-existing diseases are available as an optional cover
Explore Universal Sompo Health Insurance
Why Should You Buy Universal Sompo Health Insurance Plans?
Take a look at the reasons why you must buy a Universal Sompo health insurance plan:
- No Pre-Acceptance Medical Check-up – The insurer does not require applicants to undergo a medical check-up before buying most health plans.
- Quick Claim Process – The Universal Sompo General Insurance Company comes with an easy claim process and an in-house health claims management team that ensures quick resolutions of claims.
- 24x7 Customer Assistance – The insurance company has a well-equipped customer support team that is available round the clock to assist the customers.
- Tax Benefits – People with Universal Sompo health insurance plans can save tax on the premium amount under Sec 80D of the IT Act.
How to File a Claim with a Universal Sompo Health Insurance Plan?
The steps to file a cashless claim with Universal Sompo health insurance are as follows:
1
Intimate Your Claim
Inform Universal Sompo General Insurance Company about your emergency hospitalization within 24 hours and planned hospitalization at least 48 hours in advance.
2
Show the Required Documents
Go to a network hospital of the insurer and show your Health Serve Card along with a valid photo ID proof at the insurance desk.
3
Fill Up the Cashless Request Form
Obtain the cashless request form from the insurance desk, fill and submit it to the hospital itself.
4
Submit the Form to the Insurer
The hospital will verify your details and submit your cashless request form to the insurance company.
5
Claim Approval
The insurer will review the form and approve the cashless claim request as per the terms & conditions of your policy.
6
Settlement of Claims
At the time of hospital discharge, the insurance company will pay the admissible bill amount directly to the network hospital.
For reimbursement claims, pay the entire hospital bill while getting discharged from the hospital and collect all original documents. Submit these documents to the insurance company along with the claim form. The insurer will review the form and accordingly pay you the claim amount.
Documents Required for Universal Sompo Health Insurance Claim
Here is a list of documents that you need to submit at the time of raising a Universal Sompo health insurance reimbursement claim:
- Duly filled claim form
- Original hospital bills and payment receipts
- Original discharge card or certificate from the hospital
- Original bills from chemists with doctor’s prescriptions
- Test reports proving the diagnosis of the disease
- Letter by the doctor confirming the diagnosis of the disease
Universal Sompo Health Insurance Network Hospitals
The Universal Sompo health insurance network hospitals allow its policyholders to avail cashless hospitalization facilities across the country. Check out the list of network hospitals of the Universal Sompo General Insurance Company for different cities in India:
How to Buy Universal Sompo Health Insurance Plans?
Given below are the steps to buy a Universal Sompo Health Insurance plan:
Step 1: Visit the website of Policybazaar Insurance Broker Private Limited
Step 2: Go to the ‘Health Insurance’ icon and choose the people to be insured with their age
Step 3: Enter your city, name and contact details
Step 4: Choose if you have a medical history or existing illness
Step 5: Pick the Universal Sompo health insurance plans to be purchased
Step 6: Pay the premium amount online
Step 7: The insurance company will issue your health policy.
How to Renew Universal Sompo Health Insurance Plans?
Take a look at the steps for Universal Sompo health insurance renewal online:
Step 1: Visit Policybazaar.com and click on the ‘Renew Your Policy’ tab at the top of the page
Step 2: Click on the ‘Health Renewal’ option from the dropdown menu
Step 3: Fill in your mobile number and the OTP to log in
Step 4: First-time users can click on the ‘Health Insurance’ icon on the homepage and enter their basic details, such as city, phone number, age, etc.
Step 5: Choose the Universal Sompo health insurance renewal plan and pay the premium amount
Step 6: The insurer will send the renewed policy to your registered email id.
How to Calculate Universal Sompo Health Insurance Premium?
Customers can calculate the premium of a Universal Sompo health insurance plan by using an insurance premium calculator that requires details like the preferred sum insured, city, policy year, etc. Use the Universal Sompo health insurance premium calculator given below to calculate the premium of any plan.
Contact Details of Universal Sompo Health Insurance
Here are the contact details of Universal Sompo General Insurance Company:
| Categories | Contact Details |
| Toll-free No | 1800-22-4030 1800-200-4030 |
| Senior Citizen Toll-free No | 1800-267-4030 |
| Email Id | contactus@universalsompo.com contactclaims@universalsompo.com |
Universal Sompo Health Insurance - FAQs
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Q1. Is Universal Sompo health insurance cashless?
Ans: Yes. The Universal Sompo health insurance plans offer cashless hospitalization facilities across all network hospitals of the insurance company. -
Q2. Where can find the Universal Sompo health insurance hospital list?
Ans: You can find the Universal Sompo health insurance hospital list for cashless treatment with the policy document issued by the insurance company. You can also visit Policybazaar.com to check the list of network hospitals of the Universal Sompo General Insurance Company. -
Q3. How can I get the Universal Sompo health insurance claim form?
Ans: You can download the claim form for Universal Sompo health insurance from the website of the insurance company.
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Q4. How can I check the premium of Universal Sompo health insurance?
Ans: You can check the Universal Sompo health insurance premium chart to know the estimated premium of a plan you want to buy. Alternatively, you can also use the health insurance premium calculator online on Policybazaar.com to calculate the premium of your preferred Universal Sompo health insurance plan. -
Q5. How to download the Universal Sompo health insurance policy?
Ans: You can download your Universal Sompo health insurance policy by logging in to the insurer’s website. You can also download it from Policybazaar.com if you had purchased your policy from them.
Policybazaar exclusive benefits
- 30 minutes claim support*(In 120+ cities)
- Relationship manager For every customer
- 24*7 claims assistance In 30 mins. guaranteed*
- Instant policy issuance No medical tests*
Health insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
Universal Sompo Health Insurance Plans
Individual Health Policy
Aapat Suraksha Bima Policy
Hospital Cash Insurance
Saral Surakhsha Bima
Sampoorna Suraksha Bima
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ
##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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