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Universal Sompo · UNIHLIP25036V042425

Universal Sompo Complete Healthcare Insurance (Privilege)

Universal Sompo Complete Healthcare Insurance (Privilege) (IRDAI UIN UNIHLIP25036V042425) is an individual and family floater health insurance plan with sum insured from 6 lakh to 10 lakh (5 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Universal Sompo Complete Healthcare Insurance (Privilege) is a health insurance plan from Universal Sompo. Key specifications: plan type Individual and family floater, pre-existing disease waiting 36 months, sample annual premium ₹11,410.

Sample premium ₹11,410 a year*

*For: 1 Adult, age band 26-30, Privilege plan, Sum Insured 10 Lakhs, 1-year; chart has no zones; GST inclusion not stated on chart. Your premium will differ.

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Plan type
Individual and family floater
Pre-existing disease waiting
36 months
Sample annual premium
₹11,410

Pros

  • Specific illnesses covered after 1 year, sooner than 89% of the 46 health insurance plans on Comparezi that state it
  • No co-payment unless you choose one for a lower premium

Cons

  • Shorter pre-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (30 days)
  • Shorter post-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (60 days)
  • Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)

Who should avoid it

  • Not ideal for High sum insured available · What matters most? (pick any) #48 of 53
  • Not ideal for Longer pre- and post-hospital cover · What matters most? (pick any) #43 of 53

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh
Highest sum insured 10 lakh
Entry age 91 days to 75 years
Co-payment None in base (10% co-pay only if optional tiered-network discount is opted and treatment is in non-tiered network)

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 12 months

Benefits

Pre-hospitalisation 30 days
Post-hospitalisation 60 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Restore Sum Insured equal to 100% of Base Sum Insured automatically available for the Policy Year once base SI and No Claim Bonus are exhausted
No-claim bonus 10% increase in SI for every claim free year up to 50% (Privilege), or no-claim discount
Maternity Normal delivery up to Rs 25,000, Caesarean up to Rs 50,000 (incl. pre/post natal up to Rs 2,000); 36 months waiting period (Privilege)
OPD Covered up to 1% of SI or actuals, maximum Rs 7,500 (Privilege), after waiting period of 3 years

Premium

Sample annual premium ₹11,410
Sample premium is for 1 Adult, age band 26-30, Privilege plan, Sum Insured 10 Lakhs, 1-year; chart has no zones; GST inclusion not stated on chart

Insurer

Health incurred claim ratio (insurer) 97.12%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
IRDAI UIN UNIHLIP25036V042425

About the Complete Healthcare Insurance (Privilege)

Universal Sompo Complete Healthcare Insurance (Privilege) (IRDAI UIN UNIHLIP25036V042425) is an individual and family floater health insurance plan with sum insured from 6 lakh to 10 lakh (5 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Universal Sompo.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh
  • Entry age: 91 days to 75 years
  • Co-payment: None in base (10% co-pay only if optional tiered-network discount is opted and treatment is in non-tiered network)

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 1 year

Benefits

  • Pre-hospitalisation: 30 days
  • Post-hospitalisation: 60 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Restore Sum Insured equal to 100% of Base Sum Insured automatically available for the Policy Year once base SI and No Claim Bonus are exhausted
  • No-claim bonus: 10% increase in SI for every claim free year up to 50% (Privilege), or no-claim discount
  • Maternity: Normal delivery up to Rs 25,000, Caesarean up to Rs 50,000 (incl. pre/post natal up to Rs 2,000); 36 months waiting period (Privilege)
  • OPD: Covered up to 1% of SI or actuals, maximum Rs 7,500 (Privilege), after waiting period of 3 years

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 42 have a longer one and 6 have the same.

Premium

It depends on your age, cover, city and options. Universal Sompo's own published premium table gives ₹11,410 a year for this profile: 1 Adult, age band 26-30, Privilege plan, Sum Insured 10 Lakhs, 1-year; chart has no zones; GST inclusion not stated on chart. Your premium will differ; get a quote from the insurer.

About the insurer

Universal Sompo's health incurred claim ratio was 97.12% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid.

Similar plans from other insurers

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Complete Healthcare Insurance (Privilege)

All health insurance →
  • Individual and family floater Plan type
  • 1% of SI per day (max Rs 7,500 for SI Rs 5-10 lakh; max Rs 10,000 for SI Rs 15 lakh and above) Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹7,722 a year*

Generali Central

Health Absolute - Classic

  • Individual and family floater Plan type
  • No sub-limit stated (Reasonable and Customary room rent, up to Sum Insured) Room rent
  • 24 months Pre-existing disease waiting
Sample premium ₹13,986 a year*

New India Assurance

Arogya Sanjeevani Policy

  • Individual and family floater Plan type
  • 2% of sum insured subject to maximum of Rs.5000/- per day Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹8,836 a year*

Head to head

Compare the Complete Healthcare Insurance (Privilege)

Questions

Complete Healthcare Insurance (Privilege) FAQs

It depends on your age, cover, city and options. Universal Sompo's own published premium table gives ₹11,410 a year for this profile: 1 Adult, age band 26-30, Privilege plan, Sum Insured 10 Lakhs, 1-year; chart has no zones; GST inclusion not stated on chart. Your premium will differ; get a quote from the insurer.

UNIHLIP25036V042425. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Co-payment as stated by the insurer: None in base (10% co-pay only if optional tiered-network discount is opted and treatment is in non-tiered network).

Maternity as stated by the insurer: Normal delivery up to Rs 25,000, Caesarean up to Rs 50,000 (incl. pre/post natal up to Rs 2,000); 36 months waiting period (Privilege).

30 days before and 60 days after hospitalisation.

6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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