- 4,000+ Network HospitalsCheck in your City
- 2,67,221 Policies Issued
- 92% Incurred Claim Ratio
- Lifelong Renewability
- 72.39% Claim Settlement Ratio
- In-House Claim Management
About Universal Sompo
Universal Sompo General Insurance Company Limited is a private-public joint venture of Allahabad Bank, Indian Overseas Bank (two nationalized banks), Karnataka Bank Ltd. (a private sector bank), Dabur Investments, and Sompo Japan Insurance (a Fortune 500 general insurance company from Japan). It is the first public-private partnership in the General Insurance Industry in India.
Founded in Mumbai in 2007, today Universal Sompo has in its stock over 135 products, all approved by IRDA. The company operates on a pan-India basis and has settled Lakh of claims. It offers health insurance products for everyone, ranging from individuals, families, senior citizens, children, employees, both in trading and manufacturing sectors, social sector or members of an institution, club/society/association.
- Easy access to ourTPA service
- 86+ offices across the country
- An array of sum insured options
- 4,000+ leading network hospitals
- Pre-policy medical health check-ups
- Cashless facilities in network hospitals
- 10% increased in premium on claim-free year
Universal Sompo has a mission to provide world-class services and products, and highly efficient post-claim services to all its customers. And its vision is to help people manage their risks today and tomorrow. This insurance company has in its basket a wide range of health insurance products, including Individual Health Insurance, Group Health Insurance Policy, Individual Accident Policy, Janta Personal Accident Insurance, Aapat Suraksha Bima Policy, Hospital Cash Insurance Policy with a free look-in period of 15 days and many other benefits.
All the products have been designed keeping in mind the expenses incurred in treatments - whether it’s hospitalisation expenses, domiciliary hospitalisation, illness, accidental injury, unforeseeable accidents to employees during the policy period. With thousands of network hospitals, Universal Sompo ensures top-class cashless treatment for you and your family.
Universal Sompo Health Insurance Plan List
|Name of Plan||Sum Insured|
|Complete Healthcare InsuranceMin: 1 Day; Max: 70 Years||1 Lakh||Get Quotes Now|
|Individual Health Insurance PlanMin: 3 Months; Max: 55 Years||1 Lakh||Get Quotes Now|
|Critical Illness PolicyMin: 5 Years; Max: 65 Years||2.5 Lakh||Get Quotes Now|
|Senior Citizen Health InsuranceMin: 60 Years; Max: 70 Years||1 Lakh||Get Quotes Now|
Claim Process at Universal Sompo Health Insurance
- Network Hospital
- Non-Network Hospital
Claim IntimationEmergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
Claim ProcessingFill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
Claim SettlementOnce your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
Claim AssistanceFor any assistance call Insurancedekho at 1800-120-5698 or call toll free number of Universal Sompo Health Insurance at 1800-200-5142.
Claim IntimationEmergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 48 hours prior to admission.
Claim ProcessingSubmit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
Claim SettlementOnce your request for reimbursement of expenses is approved, the claim will be settled.
Claim AssistanceFor any assistance call insurancedekho at 1800-120-5698 or call toll free number of Universal Sompo Health Insurance 1800-200-5142.
Universal Sompo Health Insurance User Reviews
Excellent. Good experience overall.
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Latest Universal Sompo Health Insurance News
Universal Sompo Health Insurance FAQs
How to buy and apply for Universal Sompo Health Insurance plan?
You can buy and apply for any Universal Sompo Health Insurance Policy online from the official website of Universal Sompo Health Insurance at www.universalsompo.com or through online broker’s website like insurancedekho.com.
Are pre-existing diseases covered in Universal Sompo Health Insurance?
Yes, pre-existing diseases are covered. But, it’s subject to the waiting period mentioned in your health plan.
How long does TPA take to approve the claim?
Generally, TPA approves the claim within 3-6 hours after receiving all relevant documents.
How long does it take to clear the bills?
Once all the relevant documents are received, it normally takes 7 days to settle the bills.
What is a health card?
A health card is an identity card issued to policyholders. It enables them to avail cashless treatment at every network hospital.