- Retail Insurance
- Business Insurance
- Resources
- Claims
Universal Sompo Health Insurance offers a range of health insurance solutions designed to help individuals and families manage the financial burden of medical expenses. The insurer provides plans for individuals, families, senior citizens, and customers seeking additional health coverage through top-up plans.
With a range of health insurance policy options to suit different healthcare needs and budgets, Universal Sompo Health Insurance enables policyholders to access quality medical care with financial protection during unexpected medical emergencies.
With a focus on flexible coverage and convenient policy management, Universal Sompo General Insurance Company offers health insurance plans that cater to diverse healthcare requirements. Here are some of the standout features and benefits available across eligible plans.
| Feature | Details |
|---|---|
| Cashless Network Hospitals | 15,500+ cashless network hospitals across India. |
| Coverage | Coverage up to ₹1 Crore under select Universal Sompo Health Insurance plans. |
| Lifetime Renewability | Continue your health insurance coverage for life by renewing your policy on time. |
| 100% Restoration Benefit | Automatic restoration of the sum insured under eligible Complete Healthcare plans. |
| No Claim Bonus | Earn an increased sum insured for every claim-free policy year under eligible plans. |
| Family Floater Plans | Cover yourself, your spouse, children, and dependent parents under a single policy. |
| Top-up & Super Top-up Plans | Enhance your existing health insurance coverage at an affordable premium. |
| AYUSH Treatment Coverage | Covers eligible AYUSH treatments under applicable plans. |
| Wellness & Preventive Care Benefits | Includes wellness features and health management benefits under eligible policies. |
| 24×7 Customer Support & Digital Services | Buy, renew, track claims, and manage your policy through the Pulz App and online portal. |
This general insurance company offers health insurance plans for individuals, families, senior citizens, and customers looking for critical illness or additional health coverage through top-up plans.
| Plan Name | Suitable For | Key Highlights |
|---|---|---|
| Complete Healthcare Insurance | Individuals and families | Comprehensive health insurance plan available in multiple variants with coverage for hospitalisation, pre- and post-hospitalisation, day care treatments, AYUSH, wellness benefits, restoration benefit, and optional add-ons. Coverage from ₹1 lakh to ₹50 lakh. |
| A Plus Health Insurance | Individuals and families seeking higher coverage | Offers comprehensive medical coverage with sum insured from ₹3 lakh to ₹1 crore, along with additional sum insured for critical illness and accidental hospitalisation, mother & child care, and wellness benefits. |
| Super Healthcare Insurance | Customers with an existing health insurance policy | Top-up and super top-up health insurance plan that provides additional coverage beyond the deductible. Coverage available from ₹1 lakh to ₹1 crore. |
| Senior Citizen Health Insurance | Individuals aged 60 years and above | Designed to meet the healthcare needs of senior citizens with coverage for age-related medical expenses. |
| Critical Illness Insurance | Individuals seeking financial protection against major illnesses | Pays a lump sum benefit on the diagnosis of covered critical illnesses such as cancer, heart attack, stroke, and other specified conditions. |
| Group Health Insurance | Employers, organisations, and institutions | Group medical insurance solution designed to provide health coverage for employees and members under a single policy. |
| Hospital Cash Insurance Policy | Individuals looking for fixed daily hospital cash benefits | Pays a fixed daily cash allowance during eligible hospitalisation to help manage incidental expenses. |
| Sampoorna Suraksha Bima (Micro Insurance Policy) | Individuals seeking affordable health protection | Low-cost health insurance solution offering essential medical coverage for basic healthcare needs. |
Coverage under Universal Sompo Health Insurance varies depending on the plan selected. Most Universal Sompo Health Insurance plans provide financial protection against hospitalisation and related medical expenses, while certain treatments and situations are excluded as per the policy terms and conditions.
In-patient hospitalisation expenses.
Pre-hospitalisation medical expenses.
Post-hospitalisation medical expenses.
Day care procedures.
ICU charges, room rent, doctor's fees, and nursing expenses.
Emergency ambulance charges.
Domiciliary treatment.
AYUSH treatment.
Organ donor expenses.
Modern treatment procedures.
Health check-ups under eligible plans.
Mother & Child Care benefits under eligible plans.
Wellness benefits under eligible plans.
Restoration of the sum insured under eligible plans.
Additional sum insured for critical illness and accidental hospitalisation under eligible plans.
Pre-existing diseases during the applicable waiting period.
Specified illnesses during the waiting period.
Cosmetic and aesthetic treatments unless medically necessary.
Self-inflicted injuries or attempted suicide.
Treatment arising from alcohol or drug abuse.
Experimental or unproven treatments.
Non-medical consumables unless covered under an add-on.
Infertility treatment unless specifically covered under the policy.
Treatment arising from war, nuclear risks, or hazardous activities.
Dental treatment not arising from an accident.
Treatment resulting from unlawful or criminal acts.
Any expenses specifically excluded under the selected Universal Sompo Health Insurance policy.
Note: Coverage, exclusions, limits, and waiting periods under Universal Sompo Health Insurance may vary depending on the selected plan. Please refer to the respective policy wording for complete details before purchasing or making a claim.
Buying a Universal Sompo Health Insurance policy through Coverfox is a simple online process that lets you compare plans, customise your coverage, and purchase the policy in just a few steps.
Provide basic information such as your age, city, and the members you want to insure.
Compare the available Universal Sompo Health Insurance plans, their coverage, sum insured options, benefits, and premiums to find the policy that best suits your healthcare needs.
Select the preferred sum insured, policy tenure, and available add-on covers based on your requirements.
Fill in your personal, nominee, and medical details and complete the KYC requirements, if applicable.
Review your policy details and pay the premium securely through Coverfox using your preferred payment method.
Once your proposal is approved by the insurer, your Universal Sompo Health Insurance policy will be issued digitally and shared with you via email.
Keep the following documents ready while purchasing your policy:
PAN Card
Aadhaar Card or any valid address proof
Age proof (Passport, Driving Licence, Voter ID, or Birth Certificate)
Passport-size photograph (if required)
Income proof (for eligible plans, if applicable)
Medical history or health declaration
KYC documents as required by the insurer
Need Help Choosing a Plan?
If you're unsure which Universal Sompo Health Insurance plan is right for you, simply share your details on Coverfox. One of our insurance experts will get in touch with you, explain the available plans, answer your queries, and help you choose the most suitable coverage for your healthcare needs.
Renewing your Universal Sompo Health Insurance policy through Coverfox is a quick and hassle-free process. Renewing your policy before its expiry helps you maintain uninterrupted health coverage and retain continuity benefits.
Go to the Coverfox website and navigate to the Health Insurance Renewal section.
Provide your Universal Sompo Health Insurance policy number and other required details to retrieve your policy.
Check your existing coverage, sum insured, policy tenure, and renewal premium. If you wish to modify your coverage or explore a better plan, Coverfox lets you compare available options before renewing.
Pay the renewal premium securely using your preferred online payment method.
Once the payment is successful and the renewal is processed, your renewed Universal Sompo Health Insurance policy will be issued digitally and shared with you via email.
Universal Sompo Health Insurance offers access to 15,500+ cashless network hospitals across India, enabling policyholders to receive cashless treatment for eligible hospitalisation expenses. Choosing a network hospital helps minimise out-of-pocket expenses, as the approved claim amount is settled directly between the insurer and the hospital, subject to the policy terms.
Visit Coverfox and navigate to the Health Insurance section.
Click on Network Hospitals.
Select Universal Sompo Health Insurance from the list of insurers.
Enter your State and City.
Browse the list of Universal Sompo Health Insurance network hospitals available in your location.
Select your preferred hospital to avail cashless treatment under your policy.
Checking the Universal Sompo Health Insurance network hospital list before planned treatment can help ensure a smoother cashless claim experience and reduce claim-related hassles during hospitalisation.
Customer Care: 1800 200 4030
Senior Citizen Helpline: 1800 267 4030
Email (Customer Support): contactus@universalsompo.com
Email (Claims Support): contactclaims@universalsompo.com
Online Grievance Redressal: Register and track grievances through the Universal Sompo website.
Universal Sompo offers the Pulz App and a range of digital self-service tools that help policyholders manage their Universal Sompo Health Insurance policy conveniently from anywhere.
Download your Universal Sompo Health Insurance policy documents digitally.
Renew your Universal Sompo Health Insurance policy online through the Pulz App or the insurer's website.
Intimate a claim and track its status online.
Access your health insurance e-card digitally for cashless hospitalisation.
Update contact details, raise service requests, and track service requests online.
Search for cashless network hospitals across India before planned treatment.
Estimate your Universal Sompo Health Insurance premium before purchasing a policy.
Access self-service tools and connect with customer support through the app and online portal.
Universal Sompo Health Insurance focuses on making health insurance accessible through flexible plans, customer-centric services, and digital policy management. Its health insurance solutions are designed to cater to different healthcare needs, whether you're purchasing individual coverage, family protection, or specialised plans.
Offers solutions for individuals, families, senior citizens, critical illness, hospital cash, and top-up coverage, allowing customers to choose a plan that suits their healthcare needs.
Select plans offer optional benefits such as maternity cover, critical illness protection, OPD cover, and daily hospital cash, enabling policyholders to tailor their coverage.
Universal Sompo emphasises customer support through dedicated service channels, digital self-service options, and a 24×7 assistance framework.
The insurer enables customers to buy, renew, service policies, register claims, and access policy documents online through its website and Pulz App.
Beyond hospitalisation coverage, eligible plans include wellness programmes and preventive healthcare benefits to encourage long-term health management.
Universal Sompo offers health insurance plans that address the needs of young individuals, growing families, senior citizens, and customers seeking additional financial protection through top-up or critical illness plans.
It is a health insurance solution that offers financial protection against medical expenses through plans for individuals, families, senior citizens, critical illness, and top-up coverage.
Yes. Cashless hospitalisation is available at 15,500+ network hospitals across India, subject to the policy terms and conditions.
The latest health insurance claim settlement ratio should be verified from the insurer's official annual disclosures or IRDAI reports, as it may change from year to year.
You can check the network hospital list by visiting Coverfox, selecting the insurer under the Network Hospitals section, and searching by your state and city. Alternatively, you can use the hospital locator available on the insurer's website.
The waiting period varies depending on the selected plan. Please refer to the respective policy wording for the applicable waiting period before purchasing the policy.
Yes. AYUSH treatment is covered under eligible plans, subject to the policy terms and conditions.
Yes. Preventive health check-ups are available under eligible plans and may vary based on the policy selected.
Yes. Dedicated health insurance plans are available for senior citizens, subject to the applicable entry age and eligibility criteria.
You can purchase a policy online through Coverfox by comparing available plans, selecting the desired coverage, completing the proposal form, and making the premium payment.
You can renew your policy through Coverfox by entering your policy details, reviewing the renewal premium, completing the payment, and downloading the renewed policy once it is issued.
Yes. The Pulz App allows policyholders to download policy documents, renew policies, register and track claims, raise service requests, and access other digital services.
You can contact customer support through the toll-free helpline, email support, the online grievance portal, or the Pulz App for policy servicing and claim-related assistance.
Yes. Premiums paid towards eligible health insurance policies qualify for tax deductions under Section 80D of the Income Tax Act, subject to the prevailing tax laws.
