Universal Sompo Health Insurance Premium Chart [2026]

Overview

Universal Sompo Health Insurance premiums vary by age, sum insured, plan variant, family composition, and medical history. A Plus premiums also depend on whether you live in a Zone 1 or Zone 2 city.

Official Premium Rate Charts

Universal Sompo publishes separate downloadable charts for each product:

Complete Healthcare: Rates across six variants, from Basic to Executive, for individual and family-floater policies.
A Plus Health Insurance: Rates across Basic, Silver, Gold, and Diamond variants, with separate pricing by city zone.

Sample Premium Comparison

For a 30-year-old buying ₹10 lakh coverage, Complete Healthcare Privilege costs approximately ₹11,410 annually. Comparable A Plus premiums are around ₹10,600 for Gold and ₹12,640 for Diamond.

Check the latest official rate chart or Universal Sompo’s online calculator for a personalized quote.

Most people open an insurer's premium chart expecting a simple table, only to find multiple rows of age bands, sum-insured slabs, and plan variants. That confusion can get worse with an insurer like Universal Sompo, which sells its flagship Complete Healthcare plan in six variants and its A Plus plan in four, each priced differently by zone and family composition.

To make things simpler, this guide discusses how to read the Universal Sompo Health Insurance premium chart, shows sample premiums for Complete Healthcare and A Plus, and explains what drives your final premium.

What Is the Universal Sompo Health Insurance Premium Chart?

The Universal Sompo Health Insurance premium chart is a regulatory requirement. The Insurance Regulatory and Development Authority of India (IRDAI) requires every insurer to file a rate chart with the regulator during product approval, so the numbers you see are official and traceable, not marketing estimates. It shows the annual premium you'd pay, based on:

Your age (or the eldest member's age, for a family floater)
The sum insured you choose
The plan variant (Basic, Essential, Privilege, and so on)
Family composition (individual, floater, or with parents)

Universal Sompo doesn't publish one single chart. Instead, it maintains a separate rate chart for each product, available as a PDF on its resources and downloads page. The two charts most buyers look for are:

Always check the latest PDF before buying, as insurers periodically revise rates.

Sample Universal Sompo Health Insurance Premiums by Age and Sum Insured

Here's how Complete Healthcare premiums look for an individual policy, comparing the Basic, Essential, Privilege, Plus, Premier and Executive variants:

Individual (1 Adult) Premiums

Universal Sompo Complete Healthcare Premium Chart (Individual)

If you're insuring a family of four, here's the same comparison under a 2 adults + 2 children floater:

Family Floater of 4 Premiums

Universal Sompo Complete Healthcare Premium Chart (Family Floater)

A Plus Health Insurance prices differently, using Zone 1 and Zone 2 city classifications along with Silver, Gold, and Diamond variants.

CTA

Complete Healthcare vs. A Plus Premium Comparison

Feature	Complete Healthcare	A Plus
Structure	Six tiered variants (Basic to Executive)	Four modular variants (Basic, Silver, Gold, Diamond)
Sum Insured Range	₹1 lakh to ₹50 lakh	₹1 lakh to ₹1 crore
Pricing Basis	Age band, sum insured, family type	Age band, sum insured, plan, and city zone
Outpatient Department (OPD)/Maternity	Included in select variants	Available as optional covers
Best Suited For	Buyers wanting fixed, all-in-one tiers	Buyers wanting to customize cover and cost

Complete Healthcare isn't automatically more expensive than A Plus. It depends heavily on which variant you pick, since A Plus lets you add or drop benefits like maternity, OPD, and pre-existing disease waiting-period waivers separately, which affects the final price.

Factors That Affect Your Universal Sompo Health Insurance Premium

Age

Premiums rise steadily with age, and jump sharply after 60, since hospitalization risk increases. Note that A Plus doesn't accept new members above 65. Those rates apply only to renewals.

Sum Insured

Higher cover naturally costs more, but the increase isn't linear.

Plan Variant

Basic and Essential cost less but offer fewer benefits. Privilege and above add features such as no room-rent limit and wider sub-limits.

Family Composition

A family floater costs more in absolute terms than an individual policy but is usually cheaper than buying separate policies for each member.

City Zone (A Plus Only)

A Plus prices Zone 2 cities lower than Zone 1 metros for the same plan and age.

Add-Ons and Deductibles

Options like the pre-existing disease waiting period waiver or maternity cover under A Plus add to the base premium, while opting for an aggregate deductible of ₹25,000 or ₹50,000 lowers it by 7.5% to 20%.

Medical History

Existing conditions or lifestyle risk factors can lead to a loading on top of the standard rate after underwriting.

Universal Sompo Health Insurance Renewal and Hospital Network

Universal Sompo Health Insurance Renewal

You can complete your Universal Sompo Health Insurance renewal online through the insurer's renewal portal. Enter your policy number, verify your details, review the revised premium and any changes to your add-ons, make the payment, and download the renewed policy copy.

As mandated by IRDAI, Universal Sompo offers a 15-day grace period for monthly premium payments and a 30-day grace period for all other payment modes. It's still best to renew before your policy expires, since a lapsed policy can reset your waiting periods and break the continuity of coverage. Before you renew, check the revised premium, whether your add-ons continue, your accumulated cumulative bonus, and whether your preferred hospitals are still in the cashless network.

Universal Sompo Health Insurance Hospital List

Universal Sompo's cashless network covers over 15,000 hospitals across India, which compares well against the industry benchmark of 10,000+. Before buying or planning a hospitalization, check the Universal Sompo Health Insurance hospital list using the insurer's hospital locator by entering your city or PIN code. Since network tie-ups can change, it's worth confirming your preferred hospital's status directly with its insurance desk as your treatment date approaches.

Customer Care and Policy Download

For servicing, claims, or general queries, you can reach the Universal Sompo Health Insurance customer care number at 1800-22-4030 or 1800-200-4030, or email contactus@universalsompo.com (claims: contactclaims@universalsompo.com).
Senior citizen policyholders have a dedicated line at 1800-267-4030.
You can also download your policy document at any time from the insurer's policy download portal or the Universal Sompo Pulz app, using your policy number or registered mobile number, with OTP verification.

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Universal Sompo Health Insurance Premium Chart

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Conclusion

The Universal Sompo Health Insurance premium chart gives you a real starting point: official age-wise and sum-insured-wise rates for Complete Healthcare and A Plus, backed by IRDAI's rate-filing requirement. But the chart alone won't tell you which plan actually fits you.

Before you decide, match the premium against what you're actually getting: whether OPD and maternity are built in or optional, whether your city falls in Zone 1 or Zone 2 under A Plus, and whether your preferred hospitals sit within the insurer's 15,000+ hospital network. Given Universal Sompo's relatively small scale and fluctuating claim-settlement history, it's also worth comparing it with a couple of larger insurers before you commit.

Frequently Asked Questions

Is Universal Sompo a good health insurance company despite being a smaller insurer?

Universal Sompo carries an average Claim Settlement Ratio (CSR) of 88.91% over FY 2024-26, slightly below the industry average of 92.02%. Its Incurred Claims Ratio of 95.24% is well above the ideal 55-85% range, suggesting reduced financial cushioning. On the plus side, its complaint volume of 5.19 per 10,000 claims is far lower than the industry average of 29.35, suggesting a relatively smooth customer experience despite its smaller ₹1,013 crore annual health insurance business.

Is the Universal Sompo Complete Healthcare premium chart different from the A Plus premium chart?

Yes. Complete Healthcare uses a single tiered chart based on age band, sum insured, and family composition. A Plus uses a modular chart that also factors in your city's zone (Zone 1 or Zone 2) and lets you price add-ons like maternity or the pre-existing disease waiver separately, so the two charts aren't directly interchangeable.

Does Universal Sompo have a smaller hospital network than bigger insurers, given it's a lesser-known insurer?

Not necessarily. Universal Sompo's cashless network spans more than 15,000 hospitals across India, exceeding the 10,000+ benchmark that Ditto uses to assess network adequacy. Being a smaller insurer by business volume doesn't automatically mean a smaller hospital network here.

Is Universal Sompo Complete Healthcare more expensive than the A Plus plan for similar cover?

Not consistently. For a 30-year-old with ₹10 lakh cover, Complete Healthcare Privilege costs about ₹11,410/year, close to A Plus Gold's ₹10,600/year, though A Plus Diamond runs higher at roughly ₹12,640/year. The actual cost gap depends more on the specific variant and optional add-ons chosen than on the plan name itself.

What is Universal Sompo's customer care number for policy or claim queries?

You can reach Universal Sompo's health insurance customer care at 1800-22-4030 or 1800-200-4030. Claims-specific queries can be emailed to contactclaims@universalsompo.com, and senior citizens can use the dedicated helpline at 1800-267-4030.

Can I renew a lapsed Universal Sompo Health Insurance policy online?

You can renew within the IRDAI-mandated grace period, 15 days for monthly premiums and 30 days for other modes, through the insurer's online renewal portal without a break in coverage. If the grace period has already passed, the policy is typically considered lapsed, and you may need to purchase a new policy or check with the insurer about reinstatement options, which may involve fresh underwriting and a reset of waiting periods.

Does Universal Sompo have a good claim settlement track record despite its small scale?

It's mixed. Universal Sompo's CSR has swung considerably over the years, from 86.66% in FY 2020-21 down to 76.12% in FY 2021-22, before recovering to 93.39% in FY 2023-24. Because of this year-on-year variation, it's more useful to look at its multi-year average (88.91% over FY 2024-26) rather than judging it on any single year's number.

Last updated on: 26 Jul, 2026