Universal Sompo Health Insurance Benefits

Universal Sompo Health Insurance

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4,000+ Network Hospitals

2,67,221 Policies Issued

Lifelong Renewability

75.92% Claim Settlement Ratio

In-House Claim Management

Coronavirus (COVID-19) Cover

Benefits of Universal Sompo Health Insurance

Universal Sompo is a leading name in the general insurance segment and the company offers a range of general insurance products to customers. The company is formed as a joint venture between an Indian company and a Japanese company and has a strong backing.

The company offers innovative insurance products and has a strong online presence making it easy to buy and service insurance policy. The banking partners of Universal Sompo have more than 7,700 branches across India making the company’s network strong and far-reaching.

When it comes to health insurance, Universal Sompo offers all types of plans for suiting individual needs. There are indemnity health plans, fixed-benefit plans, family floater plans, etc. to fulfill all your coverage requirements. 

  • Additional Benefit of Free Health Check up

    Free health check-ups allow policyholders to monitor their health so that they can maintain and improve it. Universal Sompo’s health insurance plans allow customers with free health check-ups which can be availed once in one to four policy years depending on the plan selected.
  • Additional Protection over Employer Coverage

    Employees who are already covered under their employer’s group health plan and are looking to increase their coverage can opt for Universal Sompo’s health insurance plans. The company’s plans are comprehensive and would allow additional protection to employees while the premiums rates would be low and affordable.
  • Cashless Benefit

    The company provides the benefit of cashless claim settlements if you take treatments in a networked hospital. Universal Sompo is tied up with more than 4000 hospitals which facilitates easy cashless claim settlements for its customers.
  • Claim Settement Ratio

    Universal Sompo has an in-house claim settlement team which makes it easier for the company to settle its claims quickly. The company’s claim settlement ratio is 72.39%*. *The claim settlement ratio change from time to time.
  • Coverage against Medical Expenses

    The health insurance plans of Universal Sompo are equipped to cover all possible types of medical expenses which are incurred in a medical contingency. Thus, the plans give both basic coverage features as well as advanced coverage benefits. Basic coverage benefits which are found in Universal Sompo’s health plans include pre and post hospitalisation expenses, inpatient hospitalisation, day care treatments, alternative treatments, ambulance charges, etc. Advance coverage options include coverage for OPD, maternity, second opinion, hospital cash benefit, etc. which are found in comprehensive health insurance plans.
  • Incurred Claim Ratio

    Incurred Claim Ratio (ICR) means the proportion of premium which is used up in paying claims in a financial year. For the year 2018-19, Universal Sompo’s ICR was 92%* showing that the claims paid were more than the premiums earned. The incurred claim ratio change from time to time.
  • Tax Benefit

    Health insurance premiums earn a tax benefit under Section 80D of the Income Tax Act. So, if you buy Universal Sompo’s health insurance plans for yourself, your family and your parents, the premium paid up to Rs. 55,000 (Rs. 25,000 for individual and Rs. 30,000 for senior citizen) would be allowed as a deduction from your taxable income.

Universal Sompo Health Insurance Plan List

Name of PlanSum Insured
Complete Healthcare InsuranceMin: 1 Day; Max: 70 Years1 Lakh Get Quotes Now
Individual Health Insurance PlanMin: 3 Months; Max: 55 Years1 Lakh Get Quotes Now
Critical Illness PolicyMin: 5 Years; Max: 65 Years2.5 Lakh Get Quotes Now
Senior Citizen Health InsuranceMin: 60 Years; Max: 70 Years1 Lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years 1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Get Quotes Now
Corona Rakshak Policy Min: 18 Years; Max: 65 Years50,000 - 2.5 lakh Get Quotes Now

Universal Sompo Health Insurance User Reviews

  • Paid online without worries

    When I decided to buy Universal Sompo Arogya Sanjeevani Policy from InsuranceDekho online, I was not sure if I should buy it in online or offline mode...

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    Disha Mahana
    On: Jun 17, 2020 | Views
  • Good job team!

    I really appreciate and thank InsuranceDekho’s team for suggesting and helping me buy Universal Sompo Arogya Sanjeevani Policy online. This plan...

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    Suraj D.
    On: Jun 15, 2020 | Views
  • Good..!!

    Excellent service under my Universal Sompo health insurance plan. 

    Narottam bhardwaj
    On: Jun 10, 2020 | Views
  • Amazing plan as well as services.

    There is no doubt that InsuranceDekho offers the best services ever. I purchased Universal Sompo’s individual health insurance policy from them ...

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    Sneha Singhal
    On: Jun 05, 2020 | Views
  • Great features

    Universal Sompo complete healthcare insurance has great features. It covers me against all the hospitalisation expenses in case of illness, sickness, ...

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    Kritika Khurana
    On: Jun 04, 2020 | Views
  • Got timely assistance

    Universal Sompo has a great claim settlement process and therefore I bought their policy from InsuranceDekho. I got timely assistance and paid online ...

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    Megha Bhandari
    On: Jun 02, 2020 | Views
  • Can pay online too

    Individual health insurance policy by Universal Sompo is not only easy to buy online from Insurance Dekho, but also easy to understand too. I had a fe...

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    Vishakha Sabharwal
    On: May 30, 2020 | Views
  • Trustable Health plan

    I purchased a plan via InsuranceDekho for my friend's family health protection by Universal Sompo and it was good. He wanted to take it for his pa...

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    On: May 28, 2020 | Views
  • Easy renewal process

    I purchased Universal Sompo’s Individual health insurance policy last year and was satisfied with the plan so decided to renew it this year. The...

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    Ravi Prakash
    On: May 26, 2020 | Views
  • Good and wide coverage

    This policy covers me and my family against many healthcare expenses due to illness or accident. I really liked the plan.    ...

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    Aseem Chaturvedi
    On: May 26, 2020 | Views

Universal Sompo Health Insurance Contact Details

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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.

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