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Universal Sompo Health Insurance Benefits

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Universal Sompo Health Insurance
Highlights
Claim Settlement Ratio70.75%
In-House Claim SettlementAvailable
Network Hospitals4,000+
Starting Premium for Rs. 5 lakhs SIRs. 475/month

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Disclaimer : Actual Premium might vary basis your location, age and number of members

Universal Sompo Health Insurance Plan List

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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 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.

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  • Additional Benefit of Free Health Check up

    Free health check-ups allow the policyholders to monitor their health so that they can maintain and improve it. Universal Sompo’s health insurance plans offer the 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 4,000 hospitals which facilitates easy cashless claim settlements for its customers.

  • Claim Settlement 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 for FY 2019-20 is 70.75%. Note that 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.
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Disclaimer : Actual Coverage might vary basis your location, age and number of members

Key Features of Universal Sompo Critical Illness Insurance Policy 

Universal Sompo critical insurance come with certain features. Key features of the plan are as follows:

  • Portability facility
  • Cashless treatment
  • Lifelong renewability
  • Discounts on premiums
  • Cover for pre-existing diseases

The Critical Illness Insurance Policy of Universal Sompo is available with quite a few flexible options and is ideal for the ones looking for critical illness health insurance plans at affordable price.

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Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Universal Sompo Health Insurance Top Up List

    Name of PlanSum Insured
    Super Healthcare Policy Min: 91 days; Max: 80 years1 Lakh - 1 Crore Check Premium

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    Universal Sompo Health Insurance User Reviews

    4.6
    Rating based on
    199 User reviews
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    What users are saying
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    • Claim
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    • Critical Illness
    • The Policy is Affordable and R...

      InsuranceDekho offers some of the most affordable health insurance plans I've come across. With the low premiu...

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      I
      Universal Sompo
      By Imaan Aulakh
      On: Oct 16, 2023
    • Prompt Reimbursements

      I recently had to make a claim for my Universal Sompo Health Insurance Policy, and InsuranceDekho processed it...

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      S
      Universal Sompo
      By Shruti Shukla
      On: Sep 08, 2023
    • Easy to fill quote

      At InsuranceDekho, it was easy to fill a quote. I wanted to buy a reliable health insurance policy at the port...

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      V
      Universal Sompo
      By Vandana Garg
      On: Aug 23, 2023
    • Perfect plan for individuals

      Universal Sompo Health Insurance Policy was the most suitable health insurance policy for me out of the ones d...

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      A
      Universal Sompo
      By Anuradha Kashyap
      On: Aug 11, 2023
    • Excellent customer service

      The entire team at InsuranceDekho is the best I have ever come across. I had a great experience while getting ...

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      B
      Universal Sompo
      By Bharti Sen
      On: Aug 07, 2023
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    Why to Buy Health Insurance Policy Online from InsuranceDekho

    • Tax benefit upto 75,000*
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    • 50 Lacs+ happy customers

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    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.

    1872 Universal Sompo Cashless Network Hospitals in India

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    Insurance Products by Universal Sompo General Insurance

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    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 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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    Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.

    Network Hospital in Popular Cities

    CityNo of Hospital
    Gurgaon46
    Noida27
    Kolkata81
    Chennai207
    Pune118
    Patna29
    Nagpur61
    View All

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