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  • Universal Sompo Complete Healthcare Insurance

    Health Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    Universal Sompo Complete Healthcare Insurance is a comprehensive health insurance plan offered by the general insurance service provider. This is a flexible cover that is available in multiple sum insured variants. This is an ideal cover if you wish to enroll your entire family within a single health insurance policy. If you are a young and healthy individual, this policy cover can be easily bought online with minimal documentation. In addition to the regular health insurance benefit, this policy also comes with a range of add-on covers to enhance your overall coverage.

    Eligibility for Universal Sompo Complete Healthcare Insurance

    People who wish to enroll themselves in Universal Sompo Complete Healthcare Insurance must meet the following eligibility criteria:

    • The maximum entry age for this policy is capped at 70 years.
    • The proposer of this policy must be an adult.
    • Dependent children can be covered from their 91st day of birth. In floater covers, dependent children are covered from the very first day of birth.
    • Unmarried/unemployed dependents can be covered up to the age of 25.
    • This policy offers lifelong renewability option once entered.

    Features of Universal Sompo Complete Healthcare Insurance

    Universal Sompo Complete Healthcare Insurance is available with the following list of features:

    • This medical insurance policy is available in both individual and family floater covers.
    • This policy is available in multiple sum insured variants ranging from Rs.1 lakh to Rs.10 lakh.
    • Customers can choose policy terms ranging from 1 to 3 years.
    • There is a 5% discount for 2-year policy term and a 7.5% discount on 3-year policy term.
    • Family discount on this health insurance cover is offered for up to 10% depending upon the number of members covered in this policy.
    • Pre-insurance medical checkup is not required for policyholders up to the age of 55.
    • The company has network tie-ups with over 4000 hospitals in different locations across the country.
    • Pre hospitalisation medical expenses are covered for up to 30 days. However, if the hospitalisation is intimated 5 days in advance, the company will reimburse the actual expenses for up to 60 days.
    • Post hospitalisation medical expenses are covered for up to 60 days. However, if the hospitalisation is intimated 5 days in advance, the company will reimburse these expenses for up to 90 days.
    • Any sickness hospitalisation incurred within the first 30 days of commencement of the policy will not be covered.
    • Pre-existing illnesses have a waiting period of 36 months. The coverage must be continuous during these 3 years.
    • Maternity benefits are also available under this policy subject to a 3-year waiting period.
    • Outpatient treatment coverage has a waiting period of 36 months.
    • If critical illness coverage is taken as an optional cover, a waiting period of 90 days is applicable for any of the named critical illness.
    • There is a 15-day free look period available under this policy to review the terms and conditions.
    • As per the IRDAI regulations, Universal Sompo allows portability without losing out on any accumulated benefits. Here, the company must be notified at least 45 days before the date of renewal.
    • The premium amount paid under this policy cover is eligible for income tax relief as per Section 80D of the Income Tax Act.

    Benefits of Universal Sompo Complete Healthcare Insurance

    This is a comprehensive cover that provides extensive benefits for all the insured persons. Some of the major benefits available under this policy can be given here:

    Benefits Extent of Coverage
    In-patient hospitalisation Covered up to the sum insured limit
    Day care treatment Covered for up to 141 procedures
    Domiciliary treatment Covered up to the sum insured limit
    Emergency ambulance cover Up to 1% of the sum insured amount Max. Rs.1,000 for SI Rs.1 lakh & Rs.2 lakh Max. Rs.2,000 for SI Rs.3 lakh, Rs.4 lakh, & Rs.5 lakh Max. Rs.3,000 for SI Rs.6 lakh to Rs.10 lakh
    AYUSH benefit Up to the sum insured limit
    Outpatient treatment (after 3 years of waiting period) Up to 1% of the sum insured (Rs.2,500 to Rs.7,500 based on the sum insured chosen)
    Convalescence benefit Rs.10,000 if the hospitalisation exceeds 10 days
    Cumulative bonus 10% increase in sum insured for every claim-free year subject to a maximum of 50% of the sum insured amount
    Daily cash benefit for accompanying an insured child Available for sum insured Rs.3 lakh and above
    Maternity coverage (after 3 years of waiting period) Sum insured Rs.3 lakh to Rs.5 lakh: Normal delivery - up to Rs.15,000, Cesarean delivery - up to Rs.25,000 Sum insured Rs.6 lakh to Rs.10 lakh: Normal delivery - up to Rs.25,000, Cesarean delivery - up to Rs.50,000
    Newborn baby cover Available for sum insured Rs.3 lakh and above
    Health check up Available at the end of every two claim-free years

    Add-on Covers

    Type of coverage Benefits
    Personal accident cover Lump sum benefit for accidental death or disability
    Critical illness cover Lump sum benefit following the first diagnosis of a named critical illness
    Daily hospital cash cover Rs.200 to Rs.1,000 per day based on the sum insured amount chosen
    Sub limit applicability Premium discounts on availing sub limits for certain conditions
    Treatment in tied networks 5% discount for treatment in network hospital 10% co-pay shall be applicable for treatment in non-network hospitals

    Exclusions of Universal Sompo Complete Healthcare Insurance

    Some of the key exclusions listed under Universal Sompo Complete Healthcare Insurance can be given as follows:

    • Expenses related to addiction or substance abuse
    • Injuries sustained while participating in adventure sports
    • External medical accessories including artificial limbs
    • Injuries sustained while breaching the law with criminal intent
    • Cosmetic or aesthetic treatments of all kinds
    • Any kind of sexually transmitted diseases
    • Expenses incurred for preventative or explorative treatments
    • Treatment expenses for psychiatric or mental disorders
    • Expenses incurred for any unproven or experimental treatment
    • Any treatment related to obesity or weight loss
    • Injuries or illnesses caused by war, invasion, nuclear exposure, etc.
    • Expenses incurred for vitamins or nutritional substances
    • Any kind of non-medical expenses incurred during hospital stay

    Claim Procedure

    The company must be notified 72 hours in advance in case of planned hospitalisation and within 24 hours of hospitalisation in case of an emergency.

    Cashless treatment procedure begins with an intimation to the company about the claim. You can file a pre authorisation request to the company from the hospital itself. You must provide your insurance details while filing the authorisation request to the company. Once the request is filed, the company will verify the claim request and provide the authorisation.

    For reimbursement claims, the request must be filed after discharge from the hospital. The insured must pay for the hospital expenses first and collect all the original bills and documents. Some of the required documents include medical bills, cash receipts, physician certificate, prescriptions, pharmacy receipts, etc. When these documents are submitted, the company will verify the validity of the claim and accept or reject the claim based on its validity. Once the claim is accepted, the company will provide the reimbursement amount to the insured.

    *The customer reviews/feedback/opinions expressed on this website are solely of their authors and do not reflect, in any way, the view of BankBazaar Insurance.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Universal Sompo Complete Healthcare Insurance Reviews

    • Apollo Munich Health Insurance
      "Worst and Fraud insurance. never take it. rejects all claims"
      0.5 0.5/5 "Unacceptable"
      They reject all claims without proper reason. I personally experienced it. My claim of hospital bill was rejected giving any wrong reason. I urge all people, never take any policy of apollo munich. claim ID: 948912 case ID:5208987. Anyone can check my claim. Fraud apollo munich company, Playing with people money.
      Was this review helpful? 1
      , mumbai
      Reviewed on Mar 15, 2019
    • Star Health Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance policy with the STAR HEALTH & ALLIED INSURANCE where i been using the policy since from last few years. The premium i have paid is 11K for this policy, the medical coverage is for 2L 50K for this policy where the coverage is for self.
      Was this review helpful? 5
      , new delhi
      Reviewed on Jan 30, 2019
    • Royal Sundaram Health Insurance
      "GOOD POLICY"
      0.5 4.5/5 "Excellent!"
      I have been using the health insurance policy with the ROYAL SUNDARAM GENERAL INSURANCE since from last 4-5 years where i had claim once with this policy. The medical coverage is for 4L for complete family. The premium is nominal with this insurance policy.
      Was this review helpful? 2
      , bilaspur
      Reviewed on Jan 29, 2019
    • HDFC Ergo Health Insurance
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      The reason for taking the HDFC ERGO GENERAL INSURANCE health insurance is because i wanted to enhance the medical coverage of this policy. It is a top up plan where i the coverage is for 6L for family. It also includes the pre existing disease coverage.
      Was this review helpful? 1
      , bilaspur
      Reviewed on Jan 29, 2019
    • Tata AIG Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I am holding the health insurance policy with the TATA AIG GENERAL INSURANCE since from last 10 years as i have no claim experience with this insurance policy. The premium is nominal also the medical coverage they have offered is 5L for self.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 29, 2019
    • Bankbazaarinsurance.com Health Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 5.0/5 "Blown Away!"
      Bankbazaarinsurance.com i am using it for the very first time as i am using it through the website as the portal is convenient to access also it is hassle free to apply for the insurance. The customer service is very good they explain the details of the policy.
      Was this review helpful? 1
      , indore
      Reviewed on Jan 29, 2019
    • National Insurance Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the health insurance policy with the NATIONAL INSURANCE is because the service is very good. The premium is nominal also the medical coverage what they have offered is 1L for self coverage. It has the disease coverage also the accidental coverage.
      Was this review helpful? 0
      , indore
      Reviewed on Jan 29, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT PORTAL TO USE"
      0.5 4.0/5 "Great!"
      It is the first time experience with the Bankbazaarinsurance.com where i have been using it through the website as the portal is user friendly also it is convenient to access. The customer service is good by explaining the details of the policy.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 29, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the health insurance policy with the HDFC ERGO GENERAL INSURANCE is because i am an existing customer of life insurance with this HDFC. I had no claim experience with this policy but the medical coverage is for 5L for self.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 29, 2019
    • Bajaj Allianz Health Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I am using with the health insurance policy with the BAJAJ ALLIANZ GENERAL INSURANCE from last two years which is a corporate policy where i had no claim experience but the premium i am paying for yearly where half of the amount has been paid by the company. The medical coverage they are providing is for 2L for family.
      Was this review helpful? 0
      , kumarakom
      Reviewed on Jan 27, 2019
    • Apollo Munich Health Insurance
      "EXCELLENT"
      0.5 4.0/5 "Great!"
      The premium is nominal when compared to the other health insurances with the APOLLO MUNICH so i have taken this health insurance policy. The claim settlement is very good and the customer service is very helpful. I had no claim experience but the medical coverage is for 10L with this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 25, 2019
    • review Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have been using the health insurance policy with the ICICI LOMBARD GENERAL INSURANCE since from last 10 years where i have paid the premium for 7 years. The customer support is very helpful for getting the claim where i got 60K of claim with this policy. Medical coverage is for 5L for family.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 4.0/5 "Great!"
      Bankbazaarinsurance.com i am using it from last more than one year and i have been using it through the website as i have faced with no issues with this portal and it is hassle free to access. The customer service is very good by explaining the details of the policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 23, 2019
    • Universal Sompo Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The benefits are good with the UNIVERSAL SOMPO GENERAL INSURANCE health insurance so i have taken this insurance. I had no claim experience with this insurance policy but the premium is nominal and the medical coverage is for 10L and the policy coverage is family.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 4.0/5 "Great!"
      This is the first time experience with the Bankbazaarinsurance .com where i am using it through the mobile application as the application is user friendly and also it is hassle free to use. The customer service is comfortable and they are responsive and it is good.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      It is the better plan when compared to the others so i have taken the health insurance policy with the HDFC ERGO GENERAL INSURANCE. Premium is nominal and also the medical coverage is satisfactory which gives the medical coverage is for family.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 2.0/5 "Expected more"
      I have taken the HDFC ERGO GENERAL INSURANCE health insurance policy with the where i have paid the premium 4187 and the medical coverage is satisfactory with this policy. I had no claim experience with this policy. I have not got the soft copy as well as the hard copy.
      Was this review helpful? 1
      , hisar
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 4.0/5 "Great!"
      Bankbazaarinsurance.com is the first time experience where i have been using it through the website as the portal is user friendly also it is comfortable to access. The customer support is with no proper response because they have not followed up.
      Was this review helpful? 0
      , hisar
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 2.0/5 "Expected more"
      The service is better than others so i have taken this HDFC ERGO GENERAL INSURANCE health insurance policy. I had no claim experience but the medical coverage is for 3L for self. I have not received the soft copy and the hard copy. There is no proper customer followup. The premium i have paid is 8,035.
      Was this review helpful? 2
      , hisar
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 3.0/5 "Satisfactory"
      It is the first time experience with the Bankbazaarinsurance.com where the portal is very good to use. I use it through the website as the portal is user friendly and hassle free to access. The customer service is very good and they are responsive.
      Was this review helpful? 1
      , nellore
      Reviewed on Jan 23, 2019
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