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Sompo Health Insurance Plans for Families are universal

Published On Apr 12, 2022 10:00 AM By InsuranceDekho

Allahabad Bank, Indian Overseas Bank, Karnataka Bank Ltd., Dabur Investment Corp., and Sompo Japan Nipponkoa Insurance Inc. have joined forces to form Universal Sompo General Insurance Company. Universal Sompo, headquartered in Mumbai, is the first private-public collaboration in the general insurance business. The insurer offers a variety of general insurance products to meet the needs of various segments of the Indian population. There are four types of insurance: health insurance, auto insurance, travel insurance, and house insurance. Health insurance is one of the most promising products supplied by Universal Sompo General Insurance. The insurer provides reasonable and simple-to-understand health insurance coverage that may be purchased as an individual or as a floater. These plans are structured in such a manner that they provide the consumer with a variety of advantages, including both basic and sophisticated coverage features. Overall, the insurance keeps you from burning a hole in your wallet in the event of a medical emergency.

What Is a Health Insurance Supplement Plan, and Why Should I Get One?

When your present health insurance plan's coverage is insufficient to meet your medical bills, a top-up plan provides you with additional coverage. Top-up policies are less expensive than standard insurance plans and provide a wide range of sum insured possibilities, ensuring financial security in tough times. Universal Sompo Health Insurance provides a Super Healthcare Insurance Policy that protects individuals and families from medical bills that exceed the sum covered by their existing policies or the deductible level. You can be insured with this insurance if you are between the ages of 91 days and 80 years. The insurance includes a free health check-up with each renewal, a wellness incentive program, coverage for pre-and post-hospitalization fees, in-patient hospitalization charges, organ donor expenses, childcare expenses, and 100 percent restoration of the basic yearly sum insured.

Types of Universal Sompo Health Insurance Plans

Here are the best four health insurance plans given by Universal Sompo Health Insurance that we have shortlisted:

1. The policy of Universal Sompo Complete Healthcare Insurance:

The Universal Sompo Complete Healthcare Insurance Policy protects you and your family from the majority of medical expenditures incurred in the event of hospitalization, out-patient treatment, and numerous value-added services. The insurance is available in three flavors: Basic, Essential, and Privilege. This insurance is available as an individual or as a floater, with sum insured choices ranging from Rs. 1 lakh to Rs. 10 lakh. This policy provides numerous coverage advantages, including coverage for in-patient hospitalization expenditures, pre-hospitalization and post-hospitalization charges, organ donation fees, dental treatment, and so on.

2. Sompo Universal Super Healthcare Insurance Policy:

The Universal Sompo Super Healthcare Insurance Policy is a health insurance policy that supplements your existing health insurance plan and protects you from medical bills anywhere in the world. The insurance is offered in two flavors: top-up and super-top-up, each with its own set of variations. The policy's sum insured options vary from Rs. 2 lakh to Rs. 1 crore, with defined deductible restrictions. You can purchase this coverage for one year, two years, or three years, and you must renew it at the end of each time.

The Advantages of Sompo Universal Health Insurance Plans

You may select Universal Sompo Health Insurance plans to receive the following advantages:

  • There is a wide range of sums insured available:

Universal Sompo Health Insurance policies are available in a variety of sums insured. These range from as little as Rs. 1 lakh to as much as Rs. 1 crore, allowing you to get the most out of your policy's coverage.

  • Plan Variants That Allow Customization:

Universal Sompo Health insurance policies are provided in a variety of types to meet the diverse needs of clients. The coverage elements, sum insured amount, and deductibles vary amongst plan versions.

  • Advantage of portability:

Universal Sompo Health Insurance policies with portability are available. This implies that if you are dissatisfied with your current insurer or health insurance policy, you can transfer to Universal Sompo Health Insurance policies at the time of renewal. You would also not have to give up any of the advantages you had accrued under the old program.

Take Away

Complete Healthcare Insurance is vital to have since it is a complete plan that covers the majority of your future medical bills. This plan covers anyone ages 3 months to 55 years old, however, the proposer must be an adult. The family floater plan can cover up to 2 adults and 4 children in various combinations. The plan offers subscribers a variety of benefits, including outpatient medical expenditures, organ donor coverage, and domiciliary hospitalization coverage, among others.

You may also like to read - The Advantages Of Purchasing A Health Insurance Policy Of Rs. 1 Crore

Who Should Acquire A Health Insurance Policy For Rs. 1 Crore?


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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