Introduction
In the case of protecting your vehicle, health or other valuable assets, having an insurance company is vital. Universal Sompo General Insurance Company Limited is one of the most dependable and fastest-growing insurance companies, providing various products that are designed to safeguard people, families as well as businesses.
About Universal Sompo General Insurance
Universal Sompo General Insurance Company Limited (USGIC) is an exclusive joint partnership that brings together four top Indian financial institutions as well as a world-renowned Japanese insurance firm.
The collaboration blends Indian market expertise and Japanese effectiveness, providing an efficient and customer-focused insurance service.
| Parameter | Details |
|---|---|
| Company Name | Universal Sompo General Insurance Company Limited |
| Established | 2007 |
| Headquarters | Mumbai, Maharashtra, India |
| IRDAI Registration No. | 134 |
| Indian Partners | Indian Bank, Indian Overseas Bank, Karnataka Bank, Dabur Investment Corporation |
| Foreign Partner | Sompo Japan Insurance Inc. |
| Official Website | www.universalsompo.com |
| Helpline Number | 1800-200-4030 |
| Email ID |
Universal Sompo General Insurance focuses on trust with customers, speedy settlements, and simple policy access both offline and online.
Why Choose Universal Sompo General Insurance?
Here are a few compelling reasons that thousands of policyholders are loyal to Universal Sompo General Insurance over other companies:
1. Strong Global Backing
As a joint venture together with Sompo Japan Insurance which is one of Japan’s most prestigious insurance companies, provides global financial stability and risk management skills.
2. Wide Product Range
From health and motor insurance to business and travel insurance The company provides coverage for all needs in one place.
3. Easy Digital Access
You can easily buy, renew, or claim policies online via www.universalsompo.com, reducing paperwork and saving time.
4. 24×7 Customer Assistance
The company offers 24/7 support via toll-free number 24/7 live chat, toll-free numbers, and emails.
5. Extensive Network
Over 3500 cash-free hospital and the 4,000+ garages that are authorized make it easy to settle claims across India.
Types of Insurance Plans Offered by Universal Sompo
| Category | Policy Name | Coverage Highlights |
|---|---|---|
| Health Insurance | Complete Healthcare Policy | Covers hospitalization, pre & post-hospitalization, maternity, AYUSH, and critical illness. |
| Motor Insurance | Private Car & Two-Wheeler Insurance | Cashless repairs at authorized garages, zero depreciation add-ons, NCB protection. |
| Travel Insurance | Overseas Travel Insurance Plan | Insures against trip cancellation as well as medical emergencies and the loss of luggage/passport. |
| Home Insurance | Householder’s Insurance Policy | Guards the structure of your home and its contents from theft, fire or flood. It also protects against earthquakes, earthquakes, and fire. |
| Commercial Insurance | Office/Shopkeeper’s Policy | It covers commercial property, assets as well as employees’ responsibility. |
| Personal Accident Insurance | Individual Personal Accident Plan | Offers compensation for death by accident permanent or temporary disability. |
Universal Sompo Health Insurance Plans
Health insurance is among Universal Sompo’s most sought-after product categories, offering the peace of mind that comes with knowing about medical risks.
| Plan Name | Key Benefits | Sum Insured Range |
|---|---|---|
| Complete Healthcare Insurance | Critical illness, hospitalization, pregnancy benefits insurance, AUSH coverage | Rs1 Lakh – Rs10 Lakh |
| Super Healthcare Policy | More coverage options with flexible room rent and global care options | Rs5 Lakh – Rs1 Crore |
| Senior Citizen Health Policy | The program covers people aged 60 and over and who have coverage for pre-existing illnesses and the need for home care | Rs1 Lakh – Rs10 Lakh |
| Corona Kavach Policy | COVID-19 hospitalization, home quarantine, PPE kit expenses | Rs50,000 – Rs5 Lakh |
Universal Sompo General Insurance ensures cash-free hospitalization in more than 3500+ hospitals in the network to help customers save money during times of financial stress.
Motor Insurance Plans by Universal Sompo
| Type of Policy | Coverage Description | Add-On Options |
|---|---|---|
| Third-Party Liability | Protection against damages to property or people of third parties. | Mandatory under the Indian Motor Act. |
| Comprehensive Motor Insurance | Insurance covers personal vehicle damage as well as theft and other third-party liability. | Zero Depreciation, Engine Protect, Roadside Assistance |
| Standalone Own Damage Cover | It only covers the insured’s vehicle damaged. | Optional add-ons available |
| Commercial Vehicle Insurance | Guards passenger and goods vehicles. | Damage and legal coverage |
The most important features are instant policy issuing, no-claim bonus discounts and repair services that are cashless in more than 4,000 authorized garages.
Key Features and Benefits
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Diverse Sector Insurance Option: Covers individuals, firms, and big enterprises.
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cashless facilities: Available in thousands of workshops and hospitals.
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Rapid Claim Processing Many claims settle within seven to ten working days.
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Tax Benefits Health insurance premiums can be deemed tax-deductible for tax benefits under section 80D (for health insurance policies).
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Customer-Centric Approach Relationship managers who are dedicated and rapid communications.
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Price Transparency: No hidden charges or terms that are misleading.
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Digital Experience using Paperless: Fully digital purchase renewal, claim, and purchase process.
Claim Settlement Process at Universal Sompo General Insurance
Universal Sompo General Insurance offers the benefit of a easy, fast, and straightforward claim process for its clients.
| Step | Process | Timeframe |
|---|---|---|
| 1. Notify the Company | Call 1800-200-4030 or register claim online at www.universalsompo.com. | In the first 24 hours following the incident |
| 2. Document Submission | Submit claim forms, insurance copy bill, ID proof, and the other relevant documents. | Within 7 days |
| 3. Verification | The company reviews claims through a surveyors or a network partner. | 2-5 working days |
| 4. Settlement | The claim is paid directly to the garage or hospital (cashless) or to the customer (reimbursement). | Within 7 to 10 working days. |
Customer Care and Support
Universal Sompo General Insurance has an dedicated customer support team to assist you with your renewals, policies and claims.
| Service Type | Details |
|---|---|
| Helpline | 1800-200-4030 |
| Email Support | |
| Website | www.universalsompo.com |
| Head Office Address | 501 & 502, Interface 11, Malad (West), Mumbai – 400064 |
| Working Hours | Monday to Saturday, 9:30 AM – 6:00 PM |
The company also offers an mobile-friendly website that allows users to download policies, keep track of the status of their claims and renew their policies with ease.
Advantages of Choosing Universal Sompo General Insurance
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Full Coverage Policies for the entire spectrum of industries.
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Affordable Prices: Competitive pricing compared to industry averages.
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Worldwide Expertise Supported by the Sompo Japan’s more than 130 years of expertise.
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Fast Settlement of Claim: Transparent and customer-friendly procedure.
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Digital accessibility: Purchase, renew and monitor policies online.
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high customer satisfaction Good feedback, and repeated policyholders.
Tips for Policyholders
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Always check the policy exclusions prior purchasing.
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Make sure you renew your insurance prior to expiration to avoid penalty fees.
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Opt for zero depreciation add-ons for new vehicles.
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Make copies of your policies and claim forms.
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You can opt for the cashless option to enjoy a hassle-free experience.
Conclusion
Universal Sompo General Insurance is among the most trusted insurance companies in India with a robust insurance coverage for your vehicle, health as well as property, travel and vehicles. With solid financial backing from Indian as well as Japanese institutions as well as a user-friendly digital experience, and swift settlement of claims, it’s a name you can trust.
For those seeking complete health insurance or dependable auto insurance Universal Sompo General Insurance offers affordability as well as convenience and trustworthiness and will be the preferred choice of millions of clients in 2025.
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