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- Insuring You
- Eldest Member Age: 26-30
- Sum Insured: ₹ 10L
Priced Moderate
Universal Sompo Complete Health Insurance Privilege
- Product features51/100
- Price65/100
- Claims experience45/100
The 1 Finance Score is a weighted average based on price, product features, and claims experience.
49Must-Look Features
Room RentAs per Actuals
No Claim Bonus (NCB)Max up to 50% of SI- Recharge of SI (RSI)Up to 100% restoration upon exhaustion of Base SI and NCB
- Pre-Existing Diseases (PED)Covered after 1 year
- Co-payment (Co-Pay)10% -50% Co-payment
- Health and WellnessOPD coverage available
Claims Experience
- Claim Settlement Ratio (CSR) - Number90.42%
- Claim Settlement Ratio (CSR) -Amount70.95%
- Incurred Claim Ratio (ICR)106% signifies an adverse financial position
- Ageing of Claim97.28%
- Network Hospitals8500
- Pre-hospitalisation30 days
- Post-hospitalisation60 days
- Daycare treatmentsCovered up to SI
- Ambulance coverUp to 1% of SI or ₹3,000 or actuals whichever is less.
- Domiciliary hospitalisationCovered up to 20% of base SI
- Organ donor coverCovered up to SI
- Second opinionCovered
- Daily allowance
₹1,000 per day (when hospitalisation exceeds 3 days); the maximum number of days payable are 7 days
- AYUSH treatmentCovered up to SI
- Modern treatment methodsCovered
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About Universal Sompo
Universal Sompo is the first public-private partnership in the general insurance industry, founded by Allahabad Bank, Indian Overseas Bank, Karnataka Bank Ltd, Dabur Investment Corp., and Sompo Japan Nipponkoa Insurance Inc. They offer a range of general insurance products, including travel, health, motor vehicles, and house insurance, catering to diverse segments of the Indian population.
About Universal Sompo
Universal Sompo is the first public-private partnership in the general insurance industry, founded by Allahabad Bank, Indian Overseas Bank, Karnataka Bank Ltd, Dabur Investment Corp., and Sompo Japan Nipponkoa Insurance Inc. They offer a range of general insurance products, including travel, health, motor vehicles, and house insurance, catering to diverse segments of the Indian population.
- FOUNDED IN2007
- CEOSharad Mathur
- HEADQUARTERSMumbai,India
- AUM₹4,386.52 Cr
- GROSS WRITTEN PREMIUMS (GWP)₹4,637.86 Cr
- COMBINED RATIO100.73%
Combined ratio assesses an insurance company's financial health by indicating the percentage of earned premiums used for claims and expenses.
A combined ratio below 100% means the company profits from underwriting, while a ratio above 100% implies it pays out more in claims and expenses than it collects in premiums.
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