SBI General vs Universal Sompo Health Insurance

Compare SBI General vs Universal Sompo

Plan Type
Health
Coverage type
Coverage State
Coverage City
Date of birth
  OR age    years
Coverage amount
Gender
* Name, Email Id & Mobile No. are required 
SBI General SBI General SBI General SBI General universal-sompo universal-sompo
Retail Health
Arogya Premier
Arogya Plus
Arogya Plus Plan1
Arogya Plus Plan2
Arogya Plus Plan3
Arogya Sanjeevani
Complete Healthcare
Basic
Essential
Privilege
Arogya Sanjeevani
In-patient Treatment
Covered Covered Covered Covered Covered Covered
Room Rent
1% of sum insured per day Covered Covered Up to 2% of the sum insured subject to maximum of Rs.5,000 per day Covered Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
ICU Charges
2% of sum insured per day Covered Covered Up to 5% of the sum insured subject to maximum of Rs.10,000 per day Covered Up to 5% of the sum insured subject to maximum of Rs.10,000 per day
Pre-hospitalization
Up to 30 days Up to 60 days Up to 60 days 30 days before the date of admission to the hospital 30 days before the date of admission to the hospital 30 days before the date of admission to the hospital
Post-hospitalization
Up to 60 days Up to 90 days Up to 90 days 60 days after discharge from the hospital 60 days after discharge from the hospital 60 days after discharge from the hospital
Day Care Procedures
142 day care expenses covered 142 day care expenses covered 142 day care expenses covered All the day care treatments 141 day care expenses covered Covered
Domiciliary Treatment
20% of the sum insured maximum up to Rs.20,000 Insurer will cover reasonable and customary charges towards domiciliary hospitalisation Insurer will cover reasonable and customary charges towards domiciliary hospitalisation Not Covered Covered Not Covered
Emergency Ambulance
1% of sum insured per policy period up to a maximum of Rs.1,500 Actual Actual ambulance expenses or Rs.1,500 Subject to a maximum of Rs.2,000 per hospitalisation
Basic: Up to 1% of sum insured or Rs.1,000 or actuals whichever is less
Essential: Up to 1% of sum insured or Rs.2,000 or actuals whichever is less
Privilege: Up to 1% of sum insured or Rs.3,000 or actuals whichever is less
Subject to a maximum of Rs.2,000 per hospitalisation
Dental Treatment
Covered Covered Covered Dental treatment necessitated due to disease or injury Up to 100% of In-patient treatment sum insured
(In case of accident)
Dental treatment necessitated due to disease or injury
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Ayurvedic medicine: Covered up to maximum 15% of sum insured per policy period up to a maximum of Rs.20,000
Homeopathic and Unani system of medicine: Covered up to maximum 10% of sum insured per policy period up to a maximum of Rs.15,000
Covered Covered Covered Covered up to sum insured Covered
Maternity Benefits
Not Covered Reasonable and customary charges towards maternity expenses during hospitalisation are covered after first 9months from the date of inception of first policy Covered but only under OPD section and up to OPD Limit specified in policy schedule Not Covered
Basic: Not Covered
Essential:
Normal Delivery: Up to Rs.15,000 or actuals whichever is less
Caesarean Delivery: Up to Rs 25,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less
Privilege:
Normal Delivery: Up to Rs.25,000 or actuals whichever is less
Caesarean Delivery: Up to Rs.50,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less
(waiting period: 3 years)
Not Covered
New Born baby cover
Not Covered Not Covered Not Covered Not Covered
Basic: Not Covered
Essential & Privilege: Up to Basic sum insured from 1st Day till expiry of Policy or the child is 91 days old whichever is earlier
Not Covered
Organ Donor Expenses
Covered Covered Not Covered Not Covered Covered Not Covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered Up to 100% of In-patient Treatment Sum Insured or actuals whichever is less Not Covered
Health Check-up
1% of sum insured up to a maximum of Rs.2,500 for every 4 claims free year Rs.5,000 for every 4 claims free year Not Covered Not Covered
Individual: 1 Coupon at the end of every claims two continuous claims free year
Family Floater: 2 Coupon at the end of every claims two continuous claims free year
Not Covered
Hospital daily allowance
Not Covered Not Covered Not Covered Not Covered
Basic: Rs.200 per day
Essential: Rs.500 per day
Privilege: Rs.1,000 per day
(Hospitalisation exceeds 3 days for a maximum number of 7 days)
Not Covered
Daily Cash for Accompanying an Insured Child
Rs.500 for each completed day of hospitalisation of a child below 10 years of age, subject to maximum of 30 days during the policy period Not Covered Not Covered Not Covered
Basic: Not Covered
Essential: Rs.300 per day subject to maximum of Rs.9,000
Privilege: Rs.500 per day subject to maximum of Rs.15,000
Not Covered
Co-pay
No co-pay for treatment in Network / 10% in Non Network Hospitals No co-pay for all treatment No co-pay for all treatment 5% Co pay applicable on all claims 10% co-pay applicable for treatment in Non Network hospitals 5% Co pay applicable on all claims
Pre-existing diseases coverage
Covered after 4 years of continuous coverage Covered after a waiting period of 4 years Covered after a waiting period of 4 years Covered after a waiting period of 4 years Covered after 3 years of continuous coverage Covered after a waiting period of 4 years
Restore Benefit
Not Covered Covered up to 100% of base sum insured Covered up to 100% of base sum insured Not Covered Up to 100% of Base Sum Insured per year Not Covered
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
5% every year, maximum up to 25% of sum insured 10% every year, maximum up to 50% of sum insured Not Covered 5% every year, maximum up to 25% of sum insured 10% every year, maximum up to 50% of sum insured 5% for every claim free year up to 50% of sum insured
Emergency Air Ambulance
Not Covered Up to Rs.100,000 Not Covered Not Covered Not Covered Not Covered
Available sum insured options
Rs.50,000 to 5 Lakhs Rs.10 to 30 Lakhs Rs.1 to 3 Lakhs Rs.1 to 5 Lakhs
Basic: Rs.1 & 2 Lakhs
Essential: Rs.3 to 5 Lakhs
Privilege: Rs.6 to 10 Lakhs
Rs.1 to 5 Lakhs
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2/3 years 1 year 1/2/3 years 1 year
Eligibility criteria
Adults from 18 to 115 years (dependents 91 days to 17 years) Adults from 18 to 115 years (dependents 91 days to 17 years) Adults from 18 to 75 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years) Adults from 18 to 70 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years)
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Claims loading
No Loading Loading Loading No Loading No Loading No Loading
Portablity(At the time of renewal)
Yes Yes Yes Yes Yes Yes
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
Useful Links
SBI General Universal Sompo
Claims Settlement Ratio ** 62.73% 95.31%
Number of Lives Covered * 27,48,000 1,137,000
Network Hospitals 6,000 + 4,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022