A to Z about Universal Sompo Health Insurance | Buy Now

Universal Sompo General Insurance Co. Ltd. is a joint venture of Indian Bank, Indian Overseas Bank, Karnataka Bank Limited, Dabur Investment Corporation, and Sompo Japan Insurance Inc., a well-known Japanese general insurer. They provide a comprehensive range of products for the Retail, Rural, SME, and Corporate markets one of them is Health Insurance.

Why choose Universal Sompo Health Insurance?

  • Quick Claim Process: Get your claims in no time. It facilitates quick claims so that you don’t need to worry about your costs.
  • Customer-Centric: Universal Sompo Health Insurance is completely customer-centric and provides 24*7 customer care services.
  • Complete Medical coverage: It covers all hospitalization costs, as well as costs associated with pre-post hospitalization care, childcare, laboratory tests, prescription drugs, and ambulance services.
  • Lifetime renewable: you can renew your health insurance policy as long as you need for your whole lifetime.
  • Tax Benefit: Section 80D of the Income Tax Act of 1961 allows you to deduct the cost of your health insurance coverage.

Types of Health Insurance Plan

Universal Sompo facilitates both online and offline Health Insurance plans.

Online Plans

  1. Complete Healthcare Insurance: Sum insured Rs. 1 lakh to Rs. 10 lakhs, complete healthcare insurance offers comprehensive policies that cover medical expenses incurred in a hospital, as well as out-patient charges and other value-added services.
  2. Super Healthcare Insurance: Sum insured Rs. 1 lakh to Rs. 1 cr, the Super Healthcare insurance plan supplements your current plan by giving you the option of a greater Sum Insured and extended coverage to cover your medical costs.
  3. Arogya Sanjeevani Insurance: Sum insured Rs. 50,000 to Rs. 10 lakhs, the Arogya Sanjeevani policy covers you, your spouse, your children, your parents, and your parents-in-law for up to 5 lakhs and acts as a financial buffer in the event of hospitalization.
  4. Loan Secure Insurance Policy: Sum insured Rs. 50,000 to Rs. 3 crore, this insurance policy acts as a safety net, ensuring that you and your loved ones are not concerned about repaying your loan if you are diagnosed with one of the mentioned Major Medical Illnesses.
  5. Individual Accident Policy: Sum insured Rs. 1 lakh to Rs. 10 lakhs, Universal Sompo’s Individual Accident Insurance protects you and your family against the financial consequences of unplanned calamities.
  6. Critical Illness Insurance Policy: Sum insured Rs. 2.5 lakh to Rs. 20 lakhs, If you become severely ill, Critical Illness Insurance can help you focus on getting better by alleviating many of your financial concerns.
  7. Corona Rakshak Policy: Sum insured Rs. 50,000 to Rs. 2.5 lakhs, The ‘Corona Rakshak Policy’ is an individual benefit policy designed to solve individual customers’ financial health difficulties in the aftermath of the Covid-19 crisis while adhering to Regulator-established norms and guidelines.
  8. Corona Kavach Policy: Sum insured Rs. 50,000 to Rs. 5 lakhs, If one or more Insured Persons are required to be hospitalized for Covid-19 treatment at a hospital or The company will indemnify medically required expenses toward the Coverage provided in the policy schedule if you receive home care treatment after Medical Advice from a fully qualified Medical Practitioner throughout the policy period.
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Offline Plans

  1. Saral Suraksha Bima: Sum insured Rs. 2.5 lakhs to Rs. 15 crores, Saral Suraksha Bima pays a one-time payout equivalent to the Sum Insured upon diagnosis of Critical Illnesses, Accidental Death, or Permanent Total Disablement as a result of an accident.
  2. Group Mashak Rakshak Policy: Sum insured Rs. 10,000 to Rs. 2  lakhs, With the Group Mashak Rakshak Policy, the Company will pay the agreed sum insured if the Insured Person is diagnosed with any Vector-Borne Disease covered. Following Medical Advice from a duly certified Medical Practitioner, you must be admitted to a hospital for a minimum of seventy-two (72) consecutive hours.
  3. Group Health Insurance Policy: Sum insured Rs. 50,000 to Rs. 50 lakhs, A group health insurance plan is a type of health insurance that covers a group of people who work for the same company/organization/firm.
  4. Group Personal Accident: Sum insured Rs. 10,000 to Rs. 25,00,00,000. Group Personal Accident Insurance plan covers a group of people who work for the same firm, company, or organization
  5. Aapat Suraksha Bima Policy: Sum insured to Rs. 25000 to Rs. 2 Lakh, Aapat Suraksha Bima Policy is a lump sum payment policy that protects the insured against unforeseen expenses resulting from the diagnosis of one of the covered Critical Illnesses.
  6. Hospital Cash Insurance Policy: Sum insured to Rs. 90,000 to Rs. 5.4 Lakhs, Hospital Cash Insurance policy will cover the costs of hospital confinement, intensive care, and convalescence.
  7. Senior Citizen Health Insurance Policy: Sum insured to Rs. 1 lakh to Rs. 5 Lakhs, A Senior Citizen Health Insurance Policy can be purchased by a Senior Citizen over the age of 60 to cover themselves and their spouse.
  8. Pravasi Bhartiya Bima Yojana: Sum insured to Rs. 10 lakhs, This policy only applies to Emigrants who applied for it before leaving India and whose passports have been endorsed as “Emigration Check Required.”
  9. Surva Vidyarthi Bima Yojana: Sum insured to Rs. 50000 to Rs. 5 Lakh, An Educational Institution/School can implement the policy for the benefit of the students.
  10. Swarna Gramin Bima Yojana (Individual): sum insured to Rs. 50,000 to Rs. 2 lakh. A Gramin (Village Dweller) can buy the Swarna Gramin Bima Yojana (Individual) Policy for himself and his family, or an organization like NGOs or Financial Institutions can buy it for their rural clients.
  11. Swarna Gramin Bima Yojana (Group): sum insured to Rs. 50,000 to Rs. 2 lakh. This policy can be purchased by a Village Dweller to cover himself and his family, or by an organization such as NGOs or Financial Institutions to protect its rural clients.
  12. Sampoorna Suraksha Bima (Micro Insurance Package Policy): sum insured to Rs. 10,000 to Rs. 30,000. Sampoorna Suraksha Bima is a Micro Insurance Package Policy designed to meet the specific and unique insurance needs of those sections of society who qualify for credit from Microfinance Institutions, such as members of Self Help Groups, Non-Governmental Organizations, Regional Rural Banks, and District Cooperative Banks.
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What covers under Universal Sompo Health Insurance?

  • In-patient hospitalisation
  • Pre-post hospitalization expenses
  • Daycare procedure
  • Ambulance charges
  • Convalescence benefit 
  • Ayurvedic / Homeopathic expenses
  • Maternity expenses and Newborn baby cover
  • Daily cash benefit

Coverage depends upon the plan you choose.

How to check Universal Sompo Health Insurance Premium?

  1. Visit the Universal Sompo Health Insurance website 
  2. Submit the details asked for.
  3. Enter your contact detail
  4. Click on get a quote.

How to Claim your Health Insurance Plan?

  • Admit the person to the hospital and pay for all associated costs.
  • Collect all of your bills and file a claim with the company for reimbursement.
  • Your documents will be verified, and you will have to wait for the approval.
  • Your expenses will be reimbursed once they have been approved.

Contact Details

Call –   1800-22-4030 / 1800-200-4030

E-mail – contactus@universalsompo.com for claims contactclaims@universalsompo.com 

Official Website – Universal Sompo

FAQs

1). What is Health Card?

A health card is similar to an identification card that comes with the policy. You can use this card to get cashless hospitalization at any of your health insurance company’s network hospitals.

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2). Can I cancel my health policy?

Yes, you can. If you cancel your policy before the policy’s end date, your insurance will cease to exist, and a portion of your premium will be reimbursed to you according to the policy’s cancellation terms, which may vary from plan to plan.

3). If I and my family member stay in different cities, can we be covered under one health policy? 

Yes, even if you live in various cities in India, you and your family can be insured under the same family policy. All you have to do now is double-check that network hospitals are available in both locations to obtain the cashless facility.

4). What are minimum and maximum policy durations?

Health insurance policies are typically only valid for one year and must be renewed after that, while some plans are accessible for two or three years.

5). Can I buy more than one policy at a time?

Yes

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