*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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The company has a good claim settlement record with its customers. Universal Sompo follows a quick and hassle-free procedure for both cashless and reimbursement claims. The health claim settlement ratio of the insurance company is 93%, which means that the capability of the insurer to settle your claims is quite good. A health claim ratio is an indicator of how good the insurance company is in settling the claim of its customers. If you have a Universal Sompo health insurance policy you can check out more about the claim procedures and the documents required at the time of claim settlement.
Key Features |
Highlights |
Network Hospitals |
7700+ |
Incurred Claim Ratio |
104.71 |
Renewability |
Lifelong |
Waiting Period |
4 years |
You can file a claim for both cashless treatment and reimbursement. If you avail of cashless claims you can get the direct settlement of bills, and if you file for reimbursement, then the insurer will compensate the expenses incurred.
Follow the below steps to get cashless healthcare treatment -
If the treatment was taken in the non-network hospital then you need to pay the medical bills on your own, and file for its reimbursement. Once you get discharged from the hospital, you can claim this amount from the insurer.
Below are the steps for filing reimbursement of your hospitalization expenses:
You need to furnish the following documents while claiming your Universal Sompo health insurance policy-
For Claims Related to Hospitalization
For Claims Related to Permanent total /partial disabilities
Universal Sompo medical insurance claim form
Police FIR/ Panchnama ( in original)
Discharge card from the hospital
Hospitalization Report
Certificate of Disability (stating the degree of disability) from the Doctor recognized by a Govt.
In case of loss of employment (Termination letter from the hospital is required)
For Death Claims
For more details please write to us at care@policybazaar.com or speak to our health claim experts at 1800-208-8787