Universal Sompo health Insurance Plans

Universal Sompo Individual Health Insurance

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Universal Sompo’s Individual Health Insurance Policy which is acomprehensive Health Policy designed in a way to suit your need andfit your pocket while providing a wide Coverage. The Policy is yourprotection against spiralling medical costs. The Policy is available forIndividuals and Families. The Policy covers you and your dependent’shealth-related expenses right from consultation leading tohospitalization for covered treatment and even the PostHospitalization expenses.

Universal Sompo Health Insurance Review

Universal Sompo Health Insurance
Universal Sompo Insurance sum insured
1 lac − 10 lacs options available
Incurred Claims Ratio *
Universal Sompo Insurance tenure options
1 or 2 years options available
Claims Settlement Ratio **
List of network hospitals
4,000+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 4 dependent children
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Universal Sompo Individual Health Insurance benefits

  • Coverages
  • Exclusions

Coverages of Universal Sompo Individual Health Insurance

Sum Insured Options ranging from Rs. 1 lac to 5 lacs. Familiescan be covered for minimum SI of Rs. 2 lacs
Cashless Facility Provided in over 5000 network hospitals across India
Inpatient Treatment Covered:
  • Sub limit per day for normal room expenses:1.0% of Basic Sum Insured.
  • Sub limit per day for Intensive Care/Therapeutic Unit expenses: 2% of BasicSum Insured.
  • Registration Charges of Hospital/NursingHome : Actuals
Medical Practitioner/ Consultant fees Upto 25% of Basic Sum Insured
Pre Hospitalization For upto 30 days prior to Hospitalization
Post Hospitalization For upto 60 days post hospitalization
Day Care Procedures Covered both on Cash less and Reimbursement basis
Domiciliary Hospitalization Up to 20% of Basic Sum Insured
Daily Allowance 0.1% of the Basic Sum Insured or Rs. 250/- per day for the duration of hospitalization whichever is less subject to maximum of Rs. 2500/-
Pre Existing Diseases Covered after 4 Claim free Policy Years with Us.
Ambulance Charges Limit of 1% of Basic Sum Insured subject to maximum of Rs. 1000/- each Claim
Health Check up Covered at the end of 4 Claims free Policies with Us.
Cumulative Bonus 5% of basic Sum Insured at each continuous claim free renewal subject to maximum of 30% of the Basic Sum Insured.
Add on: Critical Illness Rider (On Cashless basis). Available at inception, facility to double theBasic Sum Insured for the following 5 Critical Illnesses on Payment of Additional Premium
  • Paralytic Stroke
  • Cancer
  • Chronic End Stage Renal failure
  • Coronary Artery Bypass
  • Major Organ Transplant (Kidney, Lungs, Pancreas, Bone Marrow)

Exclusions of Universal Sompo Individual Health Insurance

  • Pre-existing diseases are not covered : Any expense on hospitalization or domiciliary hospitalization incurred on account of any illness contacted during first 30 days from the date of commencement of an insurance cover is not covered. However, this exclusion shall not be applicable if Hospitalization is required on account of an accident
  • During the first year of the cover, the expense of treatment of diseases such as Cataract, Benign Prostatic Hypertrophy, Hysterectomy, Piles, Sinusitis and related disorders not payable
  • Injury or disease directly or indirectly attributable to War, invasion, Act of Foreign enemy not payable
  • Circumcision unless necessary for treatment of a disease is excluded
  • Cost of spectacles, contact lenses, hearing aids are excluded
  • Dental treatment or surgery of any kind unless hospitalization is required is excluded
  • Venereal diseases, intentional self-injury and use of intoxicating drugs/alcohol are excluded
  • Any treatment directly or indirectly for treatment associated with AIDS
  • Cosmetic or aesthetic treatment is excluded
  • Voluntary termination of Pregnancy
  • Pregnancy and Child-birth
  • Naturopathy Treatment
Disclaimer:“For the detailed list of exclusions under the policy, kindly refer to the same provided in your policy kit”

Universal Sompo Health Insurance FAQ’s

Universal Sompo has an extensive network of 4,000+ network hospitals across India growing steadily over the years. One must get admitted to a network hospital in order to avail cashless treatment for their illness. One can get the hospital closest to them by going through the Universal Sompo network hospital list available on Universal Sompo health insurance

The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!

Yes, your spouse, children and parents can be added as a dependant under the floater plan. The policy can also be taken for your father, mother, father-in-law, mother-in-law, son, daughter-in-law, daughter, grandparents, and grandchildren on individual basis. Your unmarried children, under the age of 18, are eligible as dependants under the policy. Your children enrolled as full-time education students are eligible until the age of 25.

No, all benefits shall be payable when incurred in India only, in Indian rupees.


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Policy wordings

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  • Address

    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022