Universal Sompo General Insurance Co. Ltd.
Complete Healthcare Insurance
UIN UNIHLIP25036V042425We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹50 lakh
Claim settlement (CSR)
95%
PED waiting
36 months
Specific disease wait
12 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
30 / 60 days
Network hospitals
8,500+
Free look
30 days
What this plan does well
- 12-month specific disease waiting (vs 24 industry standard) — DEALBREAKER ADVANTAGE
- Dial-a-Doctor + 24x7 customer service built-in
- Wellness Package + HELP (Health Educational Library)
- Second Opinion built-in
- Specialist Consultation with 2 follow-up sessions
- Mother + Child Care Benefit in base (Section I C14)
- OPD treatment in base (Section I C12) after 36-month wait
- TAT cashless preauth 1 hour
Watch out for
- CIS is summary-style — limited detail on sub-limits, room rent, sums
- Pre/Post hospitalisation days not specified in CIS
- Modern Treatments status unclear in CIS
- OPD waiting 36 months (most OPD plans 12-24mo)
- Network ~8.5K hospitals (smaller than top tier)
- CSR + ICR estimates only
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.