Edelweiss Health Insurance vs Universal Sompo Health Insurance

Can you ever take a walk in the rain without an umbrella or raincoat? Sure, you can do so sometimes, to soak in nature but not without the risk of catching a cold. In the same way, why go about life without a protective cover when you can choose to stay safe. Health insurance can be this cover by protecting you during life’s rainy days. If you are not convinced yet, read this Edelweiss Health Insurance and Universal Sompo Health Insurance comparison guide. 

Edelweiss Health Insurance vs Universal Sompo Health Insurance – Overview 

ParameterEdelweiss Health InsuranceUniversal Sompo Health Insurance
No. of health insurance policies620+
E-servicesPolicy salePolicy renewal Claim settlement Branch locatorOnline consultation24x7 customer support Policy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer support
Claim settlement ratio (CSR)85.57%90%
Cashless claim settlement time72 hours72 hours
Hospital network2,570+4000+

Source: Insurance Regulatory and Development Authority of India’s (IRDAI) Annual Report – 2019-20. 

Health Insurance Policies: Edelweiss Health Insurance vs Universal Sompo Health Insurance

Edelweiss Health Insurance is part of the leading Edelweiss Group. It has won the trust of millions of customers since its establishment and won several awards for its services. It offers 6 health insurance policies. 

Universal Sompo Health Insurance has Indian and Japanese corporate roots with expertise in providing global insurance solutions since 2007. It offers over 20 health insurance policies. 

Family Floater Insurance: 

Edelweiss Health Insurance offers only one health insurance policy (with 3 sub-policies) for all-round family healthcare. These include the Silver, Gold, and Platinum Plan. They offer: 

  • Sums insured (SI) up to Rs. 1,00,00,000
  • Coverage for: 
  • Up to 180 days of pre and post-hospitalization expenses
  • In-patient hospitalization
  • Domiciliary (home) hospitalization
  • AYUSH treatments – 
  1. Ayurveda
  2. Unani
  3. Siddha
  4. Homeopathy
  • Daycare treatments 
  • Organ donor expenses 
  • Maternity expenses 
  • Critical illnesses
  • Ambulance charges 
  • Health check-up
  • Services such as: 
  • Medical evaluation 
  • Medical monitoring
  • Medical referral 
  • Second medical opinion
  • Emergency evacuation 
  • Recovery benefits of up to Rs. 1,500 per day

Universal Sompo Health Insurance offers two Family Floater Policies: 

  • Complete Healthcare
  • Super Healthcare 

They provide:

  • SI up to Rs. 1,00,00,000
  • Coverage for:
  • Up to 150 days of pre and post-hospitalization expenses 
  • In-patient hospitalization
  • Domiciliary hospitalization
  • 399+ daycare procedures 
  • Organ donor expenses 
  • AYUSH treatments 
  • Bariatric surgery for weight-loss
  • Maternity and newborn baby expenses
  • Dental treatment needed due to an accident 
  • Out-patient departmental consultations 
  • Vaccination expenses needed due to an animal bite 
  • Diagnostic and pharmacy services 
  • Road ambulance charges 
  • Health check-up
  • Spectacles, contact lenses, and hearing aids 
  • Health and wellness services 

Personal Accident Insurance: 

Edelweiss Health Insurance offers personal accident coverage in its miscellaneous insurance policies of the: 

  • Burglary Insurance Policy
  • Cancellation Inconvenience Policy

These policies provide: 

  • Coverage for: 
  • Injuries sustained due to a burglary 
  • Post-accident hospitalization expenses 
  • Travel cancellation due to an act of: 
  1. Terrorism
  2. Natural disasters 
  3. Political instability 
  4. Pandemic
  5. Malicious acts (riots, strike, etc.)
  6. Accidental misfortunes

Universal Sompo’s Personal Accident Policy offers: 

  • 100% of the SI on the death of the insured due to an accident 
  • 100% of the SI for permanent total disablement 
  • Up to 50% of the SI for permanent partial disablement 
  • Weekly cash benefits for temporary total disablement
  • An education cash benefit for the insured’s children
  • A job loss support benefit of up to Rs. 25,000 
  • Rs. 2,500 for funeral and transportation costs 
  • Ambulance charges up to Rs. 1,000
  • Rs. 1,000 to cover the costs of damaged clothing 

COVID-19 Insurance: 

Both Edelweiss Health Insurance and Universal Sompo Health Insurance offer:

  1. The Corona Kavach Policy, which gives:
  • SI up to Rs. 5,00,000
  • Coverage for: 
  • Up to 15 days of pre-hospitalization expenses 
  • Up to 30 days of post-hospitalization expenses 
  • In-patient hospitalization expenses 
  • Domiciliary hospitalization expenses 
  • AYUSH treatment costs  
  • Comorbidity treatment 
  • Ambulance charges 
  • Daily hospital cash 
  1. The Corona Rakshak Policy, which gives: 
  • SI up to Rs. 2,50,000
  • 100% payout of the SI on the diagnosis of COVID-19 on:
  • The positive diagnosis of COVID-19 
  • A minimum continuous hospitalization for 72 hours
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