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

  • Cover
    Personal Accident

  • Transportation and
    Airfare Charge

  • Hospitalization expenses
    and Maternity expenses

  • Coverage for
    Legal Costs

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Know What Our Pravasi
Bhartiya Bima
Offers You

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Transportation and Airfare for Attendant

(A) We will reimburse the actual cost of transporting the mortal remains of the deceased back home to India. (B) We will reimburse the additional cost of economy class return airfare for one attendant to accompany the mortal remains from the place of death abroad to back home in India. Show MoreShow Less

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Hospitalization Expenses

We will pay the Reasonable and Customary Charges of Hospitalisation Expenses actually incurred but upto the limits specified in the Policy. Show MoreShow Less

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Maternity Expenses

(A) Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization). (B) Expenses towards lawful medical termination of pregnancy during the Policy period. Show MoreShow Less

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Employment Contingencies& Repatriation Expenses

We will pay to You for actual one way economy class airfare to return back home in India by the shortest direct route available.

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Cashless Claim

Just like every other health insurance plan, we also cover your hospitalization expenses such as room rent, ICU, investigations, surgery, doctor consultations etc due to illnesses and injuries seamlessly. Show MoreShow Less

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Legal Cost

We will pay to You up to limits specified in the Schedule in connection with legal expenses incurred by You in any litigation expenses relating to Insured Person’s employment abroad. Show MoreShow Less

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Time Limit

Any claim of reimbursement filed with Us after 90 days of completion of the journey or transportation. The time limit may be relaxed to the claimants under unavoidable circumstances Show MoreShow Less

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Proof Absence

Any reimbursement claimed without proof of original tickets or receipts for means of transport and conveyance.

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Pre-existing diseases

Pre-existing diseases will not be covered until 48 months of continuous coverage have elapsed, since inception of the first Policy with Us. Show MoreShow Less

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Outsite Expenses Safety

Any expenses outside the period of actual Hospitalization as well as incurred outside the Hospital where treatment is taken.

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Abroad Expenses

Any Maternity Expenses incurred outside India unless the requisite documents are certified by Indian Mission/Post.

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Dental Expenses

Dental treatment or surgery of any kind, unless requiring Hospitalization.

Want to know More?

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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