How to buy and apply for Universal Sompo Health Insurance plan?

You can buy and apply for any Universal Sompo Health Insurance Policy online from the official website of Universal Sompo Health Insurance at www.universalsompo.com or through online broker’s website like insurancedekho.com.

Are pre-existing diseases covered in Universal Sompo Health Insurance?

Yes, pre-existing diseases are covered. But, it’s subject to the waiting period mentioned in your health plan.

How long does TPA take to approve the claim?

Generally, TPA approves the claim within 3-6 hours after receiving all relevant documents.

How long does it take to clear the bills?

Once all the relevant documents are received, it normally takes 7 days to settle the bills.

What is a health card?

A health card is an identity card issued to policyholders. It enables them to avail cashless treatment at every network hospital.

Universal Sompo Critical Illness Health Insurance User Reviews

205 reviews Rate This

Universal Sompo

Highlights

Claim Settlement	Available
Claim Settlement Ratio	96%
In-House Claim Settlement	Available
Network Hospitals	4,000+
Starting Premium for Rs. 5 lakh Coverage	Rs. 527/month
Starting Premium for Rs. 5 lakhs SI	Rs. 475/month

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Disclaimer: Actual Premium might vary basis your location, age and number of members

Rating of Critical Illness Policy

3.7

Based on

26 User reviews

No claim so cant say
I had purchased this plan last year but did not take any treatment under this. It covers me for 11 critical illnesses, surgical procedures etc for a term of 1, 2, or 3 years at nominal premium. There is a wide choice of sum insured options under this plan ranging from Rs. 2.5 lakh to Rs. 20 Lakh.
P
P N Rashmi
On: Feb 24, 2020
Buy this for critical illness.
There are many health insurance plans in the market that offer cover for critical illnesses. I chose his because of the trusted name of universal sompo and also because it has a good claim settlement ratio. I liked the benefits offered under it and brought it from a friend in insurancedekho
M
Mustafa Rangwala
On: Feb 24, 2020
Can see other critical illness plans too.
I dont think that this plan has done anything right to me since i brought it. Insurancedekho’s services were good, but i couldnt completely rely on my healthcare cover on this plan as they did not approve my claim refering it not included in the policy terms and conditions. I am disappointed
S
Shridhar Gogoi
On: Feb 11, 2020
Buy it from ID only
I have no complaints from my critical illness policy until now. It offers me all the benefits i required like 2 years coverage, cover for common critical illnesses, wide sum insured range, and many other added advantages.
J
Jaspal Thakur
On: Feb 11, 2020
Gives great coverage
Critical illness policies are offered by many insurance companies online but i chose universal sompo because of its good reputation in the market and also because it was available in affordable premium amount. this plan covers me for 11 critical illnesses for a sum insured of 2.5 lakh. Many sum insured options
M
Macwan Poleshbhai
On: Jan 31, 2020

Why to Buy Health Insurance Policy Online from InsuranceDekho

Tax benefit upto 75,000*
Claim support everyday 10AM-7PM
80 Lacs+ happy customers

Many options of sum insured
I have this plan for a minimum sum insured amount that is Rs. 2.5 Lakh but you can also chose sum insured of up to Rs. 20 Lakh if you want for higher coverage. But my suggestion is that you must buy this plan only from insurancedekho. They help you in process.
M
Mali Kalpesh Kanubhai
On: Jan 31, 2020
Nice option for critical illness cover
I have Critical illness policy from universal sompo for a sum insured option of Rs. 2.5 Lakh. I have this plan for two years and it offers me many benefits. 11 critical illnesses and surgical procedures are covered under the plan.. And in case of any doubt, you can call in insurancedekho.
B
BILAL SUHAIL
On: Jan 14, 2020
Covers common critical illnesses
This plan offers cover for 11 common critical illnesses. Not only you can enjoy tax benefits, but also get a 10% discount if 2 years premium is paid in advance under this plan. Buy it frm insurancedekho and they’ll explain you everything related to this plan over call
S
Simontica Das
On: Jan 14, 2020
Go documents on time
I purchased critical illness policy from universal sompo last week thinking that it will help me in future to save expenses at the time of medical emergency.. I already had a plan from this company before so chose this again. I got all the policy documents on time too on mail.
D
Dev Raj Baid
On: Dec 24, 2019
Can buy..
Keeping in mind all the products available in the market for critical illness, i found this one the best for me.. It covers most of the critical illness diseases and was available from a reliable health insurance company so thought to give it a try. I hope the company does not let me down in time of need.
A
Andeep Mallik
On: Dec 24, 2019
Sum insured paid in one sum insured
I read about this plan on the insurancedekho’s website but did not know how this plan works so called on the customer care number where i talked to Ravi. He explained me how it works and also offered me some other plans so that i can chose.. The gave me full knowledge
A
Akash Madhok
On: Dec 11, 2019
Understood the plan well
I understood the inclusions and exclusions of the plan totally after talking to a sales executive in ID. I really thank him for the help and making buying process easy for me. I have purchased this policyfor for sum inusred of Rs. 2.5 Lakh and for a policy tenures of 2 years.
A
Anjali Srivastava
On: Dec 11, 2019
Hope they keep up with the sincerity
The team at insurancedekho is really sincere when it comes to providing satisfactory services to their customers. I purchased this plan from them last week and have received required documents on mail too. Whenever you call them, they are always there top answer and solve your issues in no time
M
Mohd nawaz
On: Dec 02, 2019
Insurancedekho is always there to help
Insurancedekho’s team is a really reliable one and until now, compared to all the brokers i have talked, i found them the most sincere of all. Not only they had knowledge, but also are willing to help you at the time of claim settlement too. No compalints until now..
s
shiva
On: Dec 02, 2019
Knowledgeable customer executives of id helped me
what more one can ask for if all his or her healthcare expenses are covered by a reliable insurance company? All i was looking for was a less expensive plan that has all the necessary features and also is offered by a company that has good claim settlement ratio..i got it
B
Bhavesh Bhoir
On: Nov 21, 2019
Great help from team!! thanks
It was my first time that i had purchased a policy from insurancedekho. I did even knew anything abt the process or health insurance in general... I gathered knowledge abt it by reading a few informative articles and then called the company to buy one. Iam satisfied with their help and the plan too..
T
TRILOKI NATH TIWARI
On: Nov 21, 2019
Insurancedekho never fails to deliver the best
I have now developed full faith in insurancedekho and i always recommend this insurance broker to anyone who is looking for a good insurance plan. The company also offers insurance plans for car and bike too. Havent purchased that, but have heard of it from many.
i
indirapal singh
On: Nov 12, 2019
Reliable company insurancedekho..
I have purchased critical illness plan from insurancedekho and i found it reliable one. It sold me policy within few hours and i made payment online through secured gateway and i got the policy within a few minutes. Nothing more i could have asked under my critical illness plan..
b
bunti kumar
On: Nov 12, 2019
Good tax saving option
I was looking out for different tax saving options and found out that purchasing health insurance cover was one of them. Iam already covered under group health insurance offered by my employer. So thought of getting a critical illness cover for safety. Also, i found this plan had several coverage features so brought it.
K
Kiran Reddy Mallarapu
On: Nov 01, 2019
Wide coverage under this plan
My critical illness plan from universal sompo provides me cover against 11 critical illnesses. I brought this plan because the one offered to me by my company was not satisfactory enough when it comes to covering critical illnesses. Also, i found out from insurancedekho that this plan had low premium in comparison to other ones..
M
M Kiran Reddy
On: Nov 01, 2019
Sales people guide you at the time of claim process also.
Critical illness policy of universal sompo is a nice one and proved to be really helpful for me. I brought it six month back and made a claim recently. I had no knowledge on how to carry the process at the time of making claim so called Ravi in insurancedekho who helped me buy this plan too. Great help from them ..
S
Subash
On: Oct 22, 2019
All information provided in excellent way
Universal sompo provides all the information in its brochures in an excellent way. I understood everything and all my doubts were cleared after reading the brochure and customer reviews.. Rest i had a word with executive in insurancedekho who helped me purchase the policy online.
C
Chandresh Patel
On: Oct 22, 2019
Customer friendly policy
I liked Critical illness policy from universal sompo as it is a customer friendly policy that offers me cover for major critical illnesses at fair premium amount. I have not made a claim yet so cannot comment on the claims process but I found the sales people as well as policy very customer friendly.
K
Kavita tyagi
On: Oct 09, 2019
Good experience..
Critical illness policy is a very beneficial one and I was in search of a good one with wide coverage since long. Then go to know about universal sompo’s plan from a friend who was already covered under this. I asked her about her experience with the company. She gave me positive response so I purchased it too
M
Madhu Sudan Nag
On: Oct 09, 2019
Good plan with low premiums
People don’t realise the importance of a critical illness plan and just think that a standard health insurance plan is enough for them. But this plan from universal sompo named critical illness plan is a fixed benefit plan that pays you in lump sum in case you suffer from a specified critical illnesses. The policy has low premiums.
V
Vikram Singh
On: Sep 25, 2019
Purchased plan for 2 years. Thumbs up for it
I had purchased Critical Illness plan of Universal sompo from Insurancedekho for a tenure of two years and sum insured of Rs. 2.5 lakh. I have not made any claim yet sop cannot say anything as far as the claim process is concerned. But I must say that the customer care people at Insurancedekho are really helpful. They mailed me the policy documents on time and answered all my calls even at odd timings.
A
Ankit Srivastava
On: Sep 25, 2019

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FAQs

How to buy and apply for Universal Sompo Health Insurance plan?
You can buy and apply for any Universal Sompo Health Insurance Policy online from the official website of Universal Sompo Health Insurance at www.universalsompo.com or through online broker’s website like insurancedekho.com.
Are pre-existing diseases covered in Universal Sompo Health Insurance?
Yes, pre-existing diseases are covered. But, it’s subject to the waiting period mentioned in your health plan.
How long does TPA take to approve the claim?
Generally, TPA approves the claim within 3-6 hours after receiving all relevant documents.
How long does it take to clear the bills?
Once all the relevant documents are received, it normally takes 7 days to settle the bills.
What is a health card?
A health card is an identity card issued to policyholders. It enables them to avail cashless treatment at every network hospital.

View All

Claim Process at Universal Sompo Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

Universal Sompo Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Universal Sompo Health Insurance
1800-200-514224x7
contactus@universalsompo.com