BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS, IRDAI or its officials do not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. | In light of the cyclone, landslides & flood, we pray for your safety and the well-being of your loved ones. For any claims related assistance please contact our Nodal Officer, Click here for the Claim Assistance, Click here for the Claim Notification

Why you should buy
Healthcare Insurance from us

Tailor-made Plans

Tailor-made Plans

Affordable Premium

Affordable Premium

Flexible Sum Insured

Flexible Sum Insured

Wide Hospital Network

Wide Hospital Network

Cover Highlights For You And Your Loved Ones

Cover Highlights

  • Permanent Partial
    Disablement

  • Permanent Total
    Disablement

  • Emergency
    Ambulance

  • Funeral Expense

  • Hospital Cash

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Know What Our Group
Personal Accident
Offers You

safety-policy
Death/Disappearance

Death means cessation of blood circulation and breathing – the two criteria necessary to sustain life in a human being.Disappearance due to sinking or wreckage of the conveyance means the untraceability of the insured person for a continuous period of 365 days following disappearance, sinking or wreckage of the conveyance he was provably travelling in,leading to a case of declared-death-in-absentia or legal presumption of death. Show MoreShow Less

protection-policy
Permanent Total Disability

Permanent Total Disablement means any of the following happening within 365 days of the accident: a) Total Paralysis b) Total and irrecoverable loss of sight of both eyes c) Total and irrecoverable physical separation of or the loss of ability to use two Limbs (both hands or both feet or one hand and one foot) Show MoreShow Less

medical-policy
Temporary Total Disability

Temporary Total Disablement means the bodily Injury or affliction that prevents you from engaging in your occupation as certified by Medical Practitioner and attested by employer, if any Show MoreShow Less

renew-policy
Suicide

Suicide or attempted Suicide, intentional self-inflicted injury, acts of selfdestruction whether the Insured Person is medically sane or insane. Show MoreShow Less

life-policy
Foreign Invasion

Foreign invasion, act of foreign enemies, hostilities, warlike operations (whether war be declared or not or while performing duties in the armed forces of any country during war or at peace time), participation in any naval, military or airforce operation, civil war, public defense, rebellion, revolution, insurrection, military or usurped power. Show MoreShow Less

protection-policy
Biological weapons

Biological attack or weapons means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) microorganisms and/or biologically produced toxins (including genetically modified organisms and chemically synthesized toxins) which are capable of causing any Illness, incapacitating disablement or death. Show MoreShow Less

safety-policy
Chemical attack

Chemical attack or weapons means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing any Illness, incapacitating disablement or death. Show MoreShow Less

medical-policy
Drug Abuse

Use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen on the part of insured. Show MoreShow Less

cashless-policy
Loss due to nuclear contamination

Ionizing radiation or contamination by radioactivity from any nuclear fuel (explosive or hazardous form) or resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense from any nuclear waste from the combustion of nuclear fuel, nuclear, chemical or biological attack. Show MoreShow Less

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Get all your policy related details on your fingertips.

Get Claim in 3 Easy Steps

Initiation
1Initiation

Set the ball rolling by requesting for cashless approval through a network hospital. Post which we evaluate and approve/reject the request.

Hospitalisation
2 Hospitalisation

After approval, go ahead with the hospitalization.

Claim Settlement
3Claim Settlement

The claim gets settled directly with the hospital upon discharge.

step 1
1Initiation

Settle the bill with the hospital and share the original documents and invoices with us.

step 1
2Verification

We authenticate the documents.

step 1
3Claim Settlement

The approved amount gets deposited in your bank account.

Find Hospitals Associated With
Universal Sompo Near You

Looking For Nearest Cashless Hospitals?
List of Hospitals Associated with Universal Sompo near you

Cashless Hospitals Near You

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Our Customers Are Our Family
Look At What They Have To Say!

  • I am writing to appreciate the quality of service offered to me by Universal Sompo. I had submitted a claim after my husband’s demise and Universal Sompo settled it within one month. The paper work was quite simple and so was the entire claim process. Really grateful and thankful to the team.

    P. Usha

    Tamil Nadu
  • I chose Universal Sompo as my health insurance partner, and I can gladly say that I made the right choice. Their customer service team is proactive, customer-centric, digitally-enabled and provides best services. I strongly recommend Universal Sompo to anyone who is looking for a reliable health insurance provider.

    Rajat Pardal

    Delhi
  • I lost my father in a tragic accident. He had a Personal Accident Policy with Universal Sompo. So, I reached out to the claims team that very patiently guided me through the claim procedure. My claim got settled in January 2021, for which I am extremely grateful.

    Chetan Praksah

    New Delhi
  • I recently tested positive for COVID-19 and had to be hospitalized. After I got discharged, an officer came to my home, collected my bills, and forwarded them for approval. I got my claim amount sanctioned within a week. Hard to believe, right? But it happened.

    Pius Devote

    Chennai
  • I am a resident of Jodhpur city, currently preparing for SSC exams. Recently, I and my elder brother got infected with COVID-19, but fortunately, each one of us had Corona Rakshak Policy from Universal Sompo. It saved us from any major inconvenience as far as the financial front is concerned.

    Raghuveer Choudhary

    Jodhpur
  • I lost my wife to COVID-19. For me, nothing can compensate for her loss. But it is at such times that you know who your real well-wishers are. And for me, Universal Sompo is one of them. Really grateful to all that you did for me.

    Nikhil Karande

    Pune

Frequently Asked Questions

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