• Universal Sompo Saral Suraksha Bima Policy

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    The Universal Sompo Saral Suraksha Bima is a health insurance policy that can be taken at the age of 18 years. It can even be used to cover children and dependents of the policyholders. The policy can also be taken to cover members of a group or taken by an individual to cover himself and his family. This is a policy that can cover the policyholder in case of them contracting a critical illness and even in case they suffer an accident are in need of the benefits of a health insurance policy.

    Features and Benefits of Universal Sompo Saral Suraksha Bima:

    Listed below are the features and benefits of Universal Sompo Saral Suraksha Bima:

    Eligibility age
    • Minimum: 18 years
    • Maximum: 65 years
    • Children from the age of 10 years can be covered if any one of their parents are insured under this policy.
    • Children who are unmarried also can be covered up to a maximum age of 25 years.
    Basis Group basis, individual basis
    Renewability This policy can be renewed throughout the lifetime of the policyholder.
    Cover offered This policy covers 2 different situations:
    • Critical Illness - under this cover, the policy will pay for any of the following ailments.
      • A stroke that results in permanent symptoms
      • Cancer that has developed to a certain stage.
      • Regular dialysis due to kidney failure
      • Open chest Coronary artery bypass grafting
      • Organ transplant
      • Bone Marrow transplant
    • Personal accident - under this section there are 2 sub sections which have been mentioned below:
      • Accidental Death: if the insured person dies in an accident, then the nominee will get a lump sum payment of the capital sum insured.
      • Permanent Total Disablement: wherein the insured will be entitled to get a percentage of the capital sum insured if he suffers a total loss of limbs, due to an accident.
    Premium payments
    • The premium options available are:
    • For critical illness: the premium will be Rs. 10,000; Rs. 20,000 or Rs. 25,000.
    • For personal accident: the premium will be Rs. 20,000; Rs. 40,000; Rs. 50,000
    Benefits The benefits under this policy are:
    Benefit table % of Capital sum insured
    In case of Death 100%
    Loss of eyesight in both eyes, hands, feet 100%
    Total disability of permanent nature as certified for a Doctor 100%
    Loss of eyesight in one eye, or losing of one hand, or feet 50 - 50
    • The sum insured can be enhanced on the renewal of the policy
    • Nomination facility is allowed under this policy
    • The free look period for this policy is a maximum of 15 days from the day you receive the policy documents.
    • Notice Period of 3 months needs to be provided in case you wish to withdraw or modify the policy
    Exclusions The exclusions under this policy are:
    • Specific to Critical Illness:
      • There will be a waiting period of 90 days applicable to this policy if you have not been covered by this policy for at least 1 year, without interruptions
      • The policy does not cover pre existing diseases, unless a 48 month period has lapsed
      • The policy does not offer cover if death occurs within 30 days on the policy due to a critical illness
    • Specific to Personal Accident
      • Committing or attempting suicide
      • Drug addiction or alcoholism
      • Committing any breach of law with criminal intent
      • Injury due to adventurous sports
    • General exclusions
      • Death due to an act of war, invasion, act of foreign enemy, hostilities etc
      • Radiation or contamination by radioactivity

    It should be noted that the information provided here is not completely representative of the features of this policy and it is advised that you read the policy documents carefully to understand it in its entirety.

    Find cashless network hospitals nearby: Universal Sompo Cashless Network Hospitals

    Other Health Insurance Plans from Universal Sompo:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Universal Sompo Saral Suraksha Bima Policy Reviews

  • Page 1 of 2 1 2
    • Universal Sompo Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have a health insurance policy taken from Universal Sompo, it was the best deal I came across when I was looking for the policy, the premium amount that I paid was quite reasonable and not too high, the sum assured amount was also good. I never got chance to take the services of this policy I have no claim experience from them so far.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 14, 2018
    • Universal Sompo Health Insurance
      "Best Health insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have taken this policy for the first time. I have not claimed the policy so far. I have paid around for Rs.8500 as premium. It family based health insurance policy. I can claim upto 5 lakhs. Cashless treatment is available. There is no pre-existing offer is available. I have taken this policy last month. Most of the hospitals are covered in this policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 14, 2018
    • Universal Sompo Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Universal Sompo . I pay a premium of 10000 Per year, the coverage is good and I never had any claim experience with the policy overall it is a useful health insurance policy to have.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 09, 2018
    • Universal Sompo Health Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance with Universal Sompo. The benefits is for the whole family and the offers of Universal Sompo covers the top hospitals which is helpful. It was an excellent experience with Universal Sompo Health Insurance service.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 02, 2018
    • Universal Sompo Health Insurance
      "Best insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have taken Health Insurance with Universal Sompo.The premkum amount is 3500 annually,the policy coverage amount is 1.5 lakhs.I have no claim experience with them.I pay my premium amount through online.I get best benefits holding this policy including the family members.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 23, 2018
    • Universal Sompo Health Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have taken a mediclaim health insurance service with UNIVERSAL SAMPO the service was awesome I am paying around 5k as a premium yearly the payments where generally through online if I admitted in hospital 95 % amount will be payed it was totally a good experience with UNIVERSAL SAMPO for my health insurance service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 20, 2017
    • Universal Sompo Health Insurance
      "Good Protection for health"
      0.5 4.0/5 "Great!"
      Universal Sampo premium is very less for the health insurance. It gave me the medical coverage of Rs. 1 lakh, Last year I paid the amount of Rs.1350 it got expired on Nov 4th 2017. Then I renewed on 12th of Nov through online by paying the premium of Rs. 1530 its good.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 13, 2017
    • Universal Sompo Health Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was recently I have taken a health insurance with UNIVERSAL SAMPO their service was really wonderful and the documents part was easy offers are fine but I have not avail their offers much and yearly I am paying around 5500 through online it was totally a good experience with UNIVERSAL SAMPO for my health insurance service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 08, 2017
    • Universal Sompo Health Insurance
      "Dont buy policy from Universal Sompo"
      0.5 1.0/5 "Really Bad"
      Very unprofessional, harass the customer with irrelevant documents to settle the claim, they dont intend to help the customers.. what ever I come across is completely fake and I have lost my trust in them. Their turn around time to respond is not defined.. completely unethical, unprofessional.. I will not recommend this insurance company to anyone.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 31, 2017
    • Universal Sompo Health Insurance
      "Best"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance policy with the Univeral sompo insurance company. I would like to say that everything is good and fine one with them and I have faced some claims with them ad the coverage value is up to 3 lakh Rupees.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 15, 2017
    • Universal Sompo Health Insurance
      "Good policy"
      0.5 3.0/5 "Satisfactory"
      I can say it is an average policy to use and I got the Universal sompo health insurance policy from past 2years. I pay Rs.4000 to renew the policy. This policy covers only 3 members which is myself, my spouse and my son. I never had any claim experience yet. The medical coverage is good with this policy it covers Upto 2lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 23, 2017
    • Universal Sompo Health Insurance
      "Better insurannce for health"
      0.5 4.0/5 "Great!"
      Have a health insurance with UNIVERSAL SOMPO GENERAL INSURANCE , it is also called third party HHPPL insurance. My company has offered me this insurance, which is very useful for my whole family. The cashless treatment and post cash treatment is available with this health insurance. Need to renew it yearly once by paying around Rs.23,000, which covers for about 6members in my family. I can say, it is good to have health insurance for a family. It is also helpful for IT exemption.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 13, 2017
    • Universal Sompo Health Insurance
      "GOOD MEDICAL INSURANCE"
      0.5 5.0/5 "Blown Away!"
      REALLY THIS INSURANCE IS VERY NICE, IN EMERGENCY MY WIFE GOT ADMITTED IN HOSPITAL AND GOT CASHLESS TREATMENT, GOOD INSURANCE. Bought Healthcare policy after several enquirers ,low premium and also by thinking we are young so wont be hospitalized in this age. Unfortunately, an emergency admission was required to my wife , went to Universal Sompo's network hospital and got cashless treatment. Mr RAMESH, Branch Manager of Allahabad bank, Habsiguda helped a lot, well done
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 17, 2016
    • Universal Sompo Health Insurance
      "Worst Insurance Company"
      0.5 0.5/5 "Unacceptable"
      Bought Healthcare policy after several enquirers ,low premium and also by thinking we are young so wont be hospitalized in this age. Unfortunately, an emergency admission was required to my wife , went to Universal Sompo's network hospital only, but they never heard this company at all. I have requested for a pre-authorization, but rejected by Universal General Sompo stating to go for claim reimbursement. I paid entire hospital expenses, and went for claim reimbursement by submitting entire original documentation provided by hospital (Claim #103006) , but Universal General sompo demanded few more documents every time, but finally rejected by hospital authoritiesas it is against to their rules, staes no insurance company demands these kind of documents, also laughing at me with what kind of company's policy i owned, is a big insult to me. Big thing was, since they are not ready to settle my claim, i requested them many times atleast to send back all my docs, but no response at all.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 15, 2016
    • Universal Sompo Health Insurance
      "Coverage is good..."
      0.5 5.0/5 "Blown Away!"
      It is a group policy opened by my company and on this health insurance all my family members are included. I get benefit of 5lakhs for one year. For one person I can use entire amount. Almost all the diseases including maternity are claimable. 75thousand is the limit for maternity in Universal Sompo General Insurance.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 17, 2015
    • Universal Sompo Health Insurance
      "Good"
      0.5 2.0/5 "Expected more"
      I took the health insurance policy with the Universal sompo general insurance company. The premium is around 14000 Rupees for the full family. Cashless treatment facility is available there and they have given the card. By using this card I can get the treatments and I been with them from the last four years of time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 06, 2015
    • Universal Sompo Health Insurance
      "Excellent Services"
      0.5 4.0/5 "Great!"
      My health insurance is with Universal Sompo general insurance. It is a corporate policy. The services are good. I had two claim experience with them. One was of reimbursement. The other cashless treatment. Both the process was good. I faced no hassles. The coverage is for my parents, my family and myself. The premium is renewed by my company.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2015
    • Universal Sompo Health Insurance
      "Only 70% was approved...."
      0.5 3.0/5 "Satisfactory"
      For my spouse maternity I made the claim and Universal Sompo General Insurance reimbursed only of 70%. I have presented all the bills that I spend but on that they approved some bills and few bills were not approved. Actually my question is, why they did not approve that 30%. This health insurance was offered by my organization so I did not get answer from customer service for my question.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 26, 2015
    • Universal Sompo Health Insurance
      "Good for Life "
      0.5 2.0/5 "Expected more"
      I have taken my health insurance policy from UNIVERSAL SOMPO GENERAL INSURANCE. I already completed five years with them. Last year I had a very bad experience with this insurance company because a third party was involved in their processing for any kind of cashless treatments.Other than this they are good enough.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 21, 2015
    • Universal Sompo Health Insurance
      "Good plans!!!"
      0.5 2.0/5 "Expected more"
      Universal Sompo general insurance have tie up with most of the hospitals and they have provided medical card where I can get cashless treatment. Coverage of 2lakhs for entire family is not sufficient as they have to increase the amount. I did not claim anything till date in health insurance but according to my friends experience it was smooth.
      Was this review helpful? 1
      , secunderabad
      Reviewed on Mar 26, 2015
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