Universal Sompo Health Insurance

Here are the key specifications of Universal Sompo Health Insurance plans you can consider to get a clear picture of the company's service and performance:

*Data has been taken from the IRDAI 2022-23 annual report and data as available on the official website of Universal Sompo General Insurance Company.

Universal Sompo Health Insurance plans are designed to cater to every individual's needs, ensuring that they remain financially protected against medical inflation. Moreover, the company focuses on providing excellent claim support. Below are some of the reasons why you should buy their health Insurance plans:

• Customer-first approach
• PAN India presence with over 11,800+ network hospital
• Online and offline plans to reach every customer type
• Medical expenses incurred under multiple treatments, including AYUSH and critical illnesses
• Global treatments are covered
• 100% auto restoration of the sum insured in case of partial utilisation
• 24/7 available customer support

Universal Sompo Health Insurance offers comprehensive coverage against multiple treatments and surgeries as per the plan opted for. However, certain healthcare expenses are not covered under their medical Insurance, including (but not limited to) the following:

• Addictions and substance abuse
• Injuries caused due to self-harm
• Any injuries due to participation in adventure sports and activities
• Injuries attributed to war
• HIV and or related health conditions
• Specific benefits claimed before the expiry of the waiting period
• All kinds of alternate treatment
• Obesity or weight control treatment
• Cosmetic or plastic surgery

Except for the above-mentioned exclusions, some other conditions may not be covered under Universal Sompo Health Insurance, depending on the selected policy.

You can purchase Universal Sompo Health Insurance plans directly from the insurer’s official website or via trusted advisors at RenewBuy. Follow the step-by-guide to buy a Universal Sompo Health Insurance plan from your preferred option:

Buy from "RenewBuy.com"

• Visit the official website of "RenewBuy".
• Click on the "Health Insurance Plan" tab.
• Select the desired plan.
• Fill in all the required details.
• Click on the "Buy Now" button.
• Make payment.
• We will send the policy documents to your registered email ID.

Buy from the Official Website of Universal Sompo Health Insurance

• Visit the official website of Universal Sompo Health Insurance.
• Click on the ‘Products’ tab and explore the ‘Health’ category.
• Check the details of health insurance plans per your needs.
• Provide the required details and click ‘Submit’.
• Check the coverage and click on the ‘Buy’ button.
• Complete payment using the preferred payment mode.
• Upon successful payment, the health insurer issues the policy and sends the documents to your email address.

RenewBuy brings you the best deals on United India Health Insurance plans across the market. The key reasons for you to consider us are as follows:

• IRDAI Certified
• Get Insured by a leading Insurer
• Discounted Premiums
• Compare Various Health Plans in Just a few Clicks
• Simple & Easy Buying Process
• 24x7 Claim Assistance.

Universal Sompo Health Insurance offers a quick and hassle-free claim settlement process. The policy mainly raises two types of claims: cashless hospitalisation claims and reimbursement claims. Follow the below step-by-step guide to claim under the Universal Sompo Health Insurance policy:

Cashless Hospitalisation Claim Process

Under the cashless facility, the health insurer directly settles the medical bill with the network hospital, provided the cashless/ pre-authorisation is approved. Here is the process to avail of cashless hospitalisation claim:

• Intimate the health insurer about the claim within 24 hours in case of emergency admission and 48 hours prior to admission for a planned treatment.
• Reach any of the network hospitals and show your Health Serve Card with valid identity proof at the desk.
• Fill out the received ‘Cashless Request Form’ and submit it at the hospital helpdesk.
• After verification, the hospital sends the ‘Cashless Request Form’ to Universal Sompo General Insurance Company.
• The insurer will review the claim and communicate with the hospital about the admissibility of the cashless request.
• After discharge, the health insurer directly settles the claim with the network hospital. Moreover, the insured had to bear the expenses that are payable per the policy's terms and conditions.

Reimbursement Claim Process

Reimbursement claims are filed when the insured directly settles the bill from their pocket. Later, the insured claims to reimburse the hospital bill from the insurer. Follow the given steps to file your reimbursement claim under the Universal Sompo Health Insurance policy:

• Intimate the health insurer about the claim within 24 hours in case of emergency claim and 48 hours before hospitalisation in case of planned admission.
• Get hospitalised for the treatment. At the time of discharge, settle your bill and collect all the bills with the original treatment documents.
• Fill out the reimbursement claim form and submit/ send all the reimbursement documents to the address below. (Universal Sompo General Insurance Company Ltd. 1st Floor, Plot No. C 56 A/13 Block C, Sector 62, Noida, Uttar Pradesh- 201309)
• The health insurer will review the request and process the claim per the policy's terms and conditions.
• The applicable amount is sent to the provided bank account of the insured.

In case you need guidance to buy a Universal Sompo Health Insurance policy or have any queries regarding health insurance claims, connect with the 24/7 active customer care team at the given contact details: