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Most Popular Policies of Universal Sompo Health Insurance

  • Universal Sompo Individual Health Insurance Plan
    This individual health plan offers complete financial protection to policyholders.
    Key features of Individual Health Insurance Plan
    • Add-on cover available
    • coverage for critical illnesses with add-on cover
    • In-house claim-settlement
    • Entry-age up to 55 years
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  • Universal Sompo Private Car Insurance Plan
    This comprehensive plan offers coverage against personal accident of the policyholder, damage of his and her car and third party liabilities.
    Key features of Private Car Insurance Plan
    • Liability to paid driver or any workman
    • Availability of add-on covers
    • Coverage against accessories loss
    • Personal accident coverage for passengers
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  • Universal Sompo Senior Citizen Health Insurance Policy
    This health plan is designed to cover the treatment expenses of people over 60 years of age.
    Key features of Senior Citizen Health Insurance Policy
    • Domiciliary Hospitalization expenses covered
    • Daily cash allowance available
    • Accompanying persons' expenses are covered
    • Free health check-up in every 3 years
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  • Universal Sompo Hospital Cash Insurance Policy
    This health cover offers daily cash allowance for normal hospitalization.
    Key features of Hospital Cash Insurance Policy
    • Lifetime renewal option available
    • Hospital Confinement Benefit is available
    • Intensive Care expenses are covered
    • Availability of Convalescence Benefit
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Universal Sompo Aapat Suraksha Bima Policy

As the name of the policy suggests, the Universal Sompo Aapat Suraksha Bima Policy is a policy against the sudden expenditure that the insured might not be expecting at all. Some sudden health related issues are covered under this policy, including coronary artery disease, cancer, paralytic stroke, renal failure and some kind of major organ transplant. These expenses are sudden and might cost a fortune to the middle class people. In case the insured dies as a result of any of these health issues, the family of the insured would be provided protection. Other features of the Universal Sompo Aapat Suraksha Bima Policy have been discussed in detail as under:

Key Benefits

The reasons why this policy is different and better than other health insurance policies available in the market have been discussed as under:

  • Critical illnesses covered:

    All the major critical illnesses which might occur to a person at any stage of time, and which might cost him a lot of money, have been covered under the policy.

  • Death Cover is provided:

    The nominee, as mentioned in the policy papers, would be provided with the complete capital sum of the policy, in case the insured dies in the health hazard.

  • Total Disablement:

    If the disablement as faced by the insured is permanent in nature, such as loss of limbs or loss of sight or any other, then the insured would be provided with a certain percentage of the capital sum that has been assured by him earlier. This percentage would depend on the table of benefit.

Major Exclusions:

  • First 90 Days:

    Any illness that occurs to the insured person in as early as the 90 days of the grant of the policy would not be covered under the policy.

  • Preexisting Illness:

    IF the illness for which the claim is demanded is that of preexisting in nature, it would not be covered under the Universal Sompo Aapat Suraksha Bima Policy.

  • Intentional Injuries not covered:

    If the disablement is caused to the insured person due to his own actions, such as, travelling or fighting or any other reason, they would not be covered.

  • Death after Critical Illness:

    IF the death of the insured follows 30 days of the critical illness, it would be covered, but if the death occurs within 30 days, it would not be covered.

Benefits Explained in Detail

Name of the Benefit

The Advantage


Lifetime renewability

The policy is renewable for life, just pay the renew amount and enjoy.


Critical Illnesses covered

In case of critical illness of someone in family, family is financially and emotionally weak. Since the critical illnesses are covered by policy, financial help would be given.


Accidental Death Cover

Unlike most other polices, accidental death cover is provided by Universal Sompo Aapat Suraksha Bima Policy.


Permanent Disability

Permanent disability is a pathetic condition, thanks to the Universal Sompo Aapat Suraksha Bima Policy, insured can be sure that he can financially help his dependents.

Frequently Asked Questions

  • Can the sum insured be enhanced?

Yes, when renewing the policy, the sun insured can be enhanced.

  • What if I do not declare any nominees?

In case nominees are not declared by the insured, the benefits would automatically go to the legal heirs of the insured.