*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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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 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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Take a look at the reasons why you must buy a Universal Sompo health insurance plan:
The steps to file a cashless claim with Universal Sompo health insurance are as follows:
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.
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.
Fill Up the Cashless Request Form
Obtain the cashless request form from the insurance desk, fill and submit it to the hospital itself.
Submit the Form to the Insurer
The hospital will verify your details and submit your cashless request form to the insurance company.
The insurer will review the form and approve the cashless claim request as per the terms & conditions of your policy.
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.
Here is a list of documents that you need to submit at the time of raising a Universal Sompo health insurance reimbursement claim:
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:
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.
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.
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.
Here are the contact details of Universal Sompo General Insurance Company:
|Senior Citizen Toll-free No||1800-267-4030|
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