BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS AND FRAUDULENT 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

  • Covers persons from 18 years to 65 years

    Covers persons from
    18 years to 65 years

  •  Children from 3 years to 65 years

    Children from 3 years
    to 65 years

  • Hospitalization (More or less than 24 hrs)

    Hospitalization
    (More or less than 24 hrs)

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Know What Our Group
Mashak Rakshak Policy
Offers You

Hospitalization
Hospitalization

Lump sum benefit up to 100% of the Sum Insured (excluding the amount paid under diagnosis cover ) shall be payable on positive diagnosis (through laboratory examination and confirmed by the medical practitioner) of any of the following vector borne disease (s) if insured is hospitalized for a minimum period of seventy-two (72) consecutive hours. Show MoreShow Less

Diagnosis Cover
Diagnosis Cover

% of the sum insured shall be payable on positive diagnosis (through laboratory examination and confirmed by the medical practitioner) of every covered vector borne disease on the first diagnosis during the Cover Period, subject to policy terms and conditions. The Policyholder is entitled for payments under “diagnosis cover” for each disease only once in each of the policy year. Show MoreShow Less

Domiciliary Hospitalization
Domiciliary Hospitalization

Expenses related to any admission primarily for diagnostics and evaluation purposes. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment Show MoreShow Less

Rehabilitation and respite  care
Rehabilitation and respite care

Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes: Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs. Show MoreShow Less

Financial Protection
Financial Protection

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

Excluded Providers
Excluded Providers

Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible. However, in case of life threatening situations expenses up to the stage of stabilization are payable but not the complete claim. Show MoreShow Less

Nursing Homes
Nursing Homes

Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. Show MoreShow Less

Dietery supplements
Dietery supplements

Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure. Show MoreShow Less

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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