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Universal Sompo Critical Illness Health Insurance User Reviews

180 reviews Rate This
Claim Settlement Ratio70.75%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals4,000+
Policies Sold2,67,221
Renewability Lifelong Renewability

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Rating of Critical Illness Policy
Based on
26 User reviews
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  • No claim so cant say

    I had purchased this plan last year but did not take any treatment under this. It covers me for 11 critical illnesses, surgical procedures etc for a term of 1, 2, or 3 years at nominal premium. There is a wide choice of sum insured options under this plan ranging from Rs. 2.5 lakh to Rs. 20 Lakh.   

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    P N Rashmi
    On: Feb 24, 2020
  • Buy this for critical illness.

    There are many health insurance plans in the market that offer cover for critical illnesses. I chose his because of the trusted name of universal sompo and also because it has a good claim settlement ratio. I liked the benefits offered under it and brought it from a friend in insurancedekho   

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    Mustafa Rangwala
    On: Feb 24, 2020
  • Can see other critical illness plans too.

    I dont think that this plan has done anything right to me since i brought it. Insurancedekho’s services were good, but i couldnt completely rely on my healthcare cover on this plan as they did not approve my claim refering it not included in the policy terms and conditions. I am disappointed  

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    Shridhar Gogoi
    On: Feb 11, 2020
  • Buy it from ID only

    I have no complaints from my critical illness policy until now. It offers me all the benefits i required like 2 years coverage, cover for common critical illnesses, wide sum insured range, and many other added advantages.   

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    Jaspal Thakur
    On: Feb 11, 2020
  • Gives great coverage

    Critical illness policies are offered by many insurance companies online but i chose universal sompo because of its good reputation in the market and also because it was available in affordable premium amount. this plan covers me for 11 critical illnesses for a sum insured of 2.5 lakh. Many sum insured options   

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    Macwan Poleshbhai
    On: Jan 31, 2020
  • Must BuyMust Buy

    Why to Buy Health Insurance Policy Online from InsuranceDekho

    • Tax benefit upto 75,000*
    • Claim support everyday 10AM-7PM
    • 45 Lacs+ happy customers
  • Many options of sum insured

    I have this plan for a minimum sum insured amount that is Rs. 2.5 Lakh but you can also chose sum insured of up to Rs. 20 Lakh if you want for higher coverage. But my suggestion is that you must buy this plan only from insurancedekho. They help you in process.   

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    Mali Kalpesh Kanubhai
    On: Jan 31, 2020
  • Nice option for critical illness cover

    I have Critical illness policy from universal sompo for a sum insured option of Rs. 2.5 Lakh. I have this plan for two years and it offers me many benefits. 11 critical illnesses and surgical procedures are covered under the plan.. And in case of any doubt, you can call in insurancedekho.   

    Read More
    On: Jan 14, 2020
  • Covers common critical illnesses

    This plan offers cover for 11 common critical illnesses. Not only you can enjoy tax benefits, but also get a 10% discount if 2 years premium is paid in advance under this plan. Buy it frm insurancedekho and they’ll explain you everything related to this plan over call  

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    Simontica Das
    On: Jan 14, 2020
  • Go documents on time

    I purchased critical illness policy from universal sompo last week thinking that it will help me in future to save expenses at the time of medical emergency.. I already had a plan from this company before so chose this again. I got all the policy documents on time too on mail.   

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    Dev Raj Baid
    On: Dec 24, 2019
  • Can buy..

    Keeping in mind all the products available in the market for critical illness, i found this one the best for me.. It covers most of the critical illness diseases and was available from a reliable health insurance company so thought to give it a try. I hope the company does not let me down in time of need.   

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    Andeep Mallik
    On: Dec 24, 2019

1140 Universal Sompo Cashless Network Hospitals in India

FAQ About Universal Sompo Health Insurance

  • 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 or through online broker’s website like

  • 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.

Claim Process at Universal Sompo Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Universal Sompo Health Insurance Contact Details

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