Universal Sompo vs Godigit Health Insurance

Compare Universal Sompo vs Godigit Health Insurance Plans
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
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Universal Sompo Godigit
Claims Settlement Ratio** 95.31% 60
Number of Lives Covered* 11,37,000 --
Network Hospitals 4,000 + 6,400 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
universal-sompo universal-sompo Godigit Godigit
Complete Healthcare Arogya Sanjeevani Digit Health Care Plus Digit Health Plus
In-patient Treatment
Covered Covered
Maxima Restore Super: All Illness Hospitalization
Early Cover: All Illness Hospitalization
Super Care: All Illness Hospitalization
Covered
Room Rent
Covered Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
Maxima Restore Super: No room rent restriction
Early Cover: No room rent restriction
Super Care: No room rent restriction
Covered(shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy )
ICU Charges
Covered Up to 5% of the sum insured subject to maximum of Rs.10,000 per day Covered Covered
Pre-hospitalization
30 days before the date of admission to the hospital 30 days before the date of admission to the hospital
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
Covered
Post-hospitalization
60 days after discharge from the hospital 60 days after discharge from the hospital
Maxima Restore Super: 60 days
Early Cover: 60 days
Super Care: 60 days
Covered
Day Care Procedures
141 day care expenses covered Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Domiciliary Treatment
Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Emergency Ambulance
Basic: Up to 1% of sum insured or Rs.1,000 or actuals whichever is less
Essential: Up to 1% of sum insured or Rs.2,000 or actuals whichever is less
Privilege: Up to 1% of sum insured or Rs.3,000 or actuals whichever is less
Subject to a maximum of Rs.2,000 per hospitalisation
Maxima Restore Super: 1% upto Rs.5,000
Early Cover: 1% upto Rs.5,000
Super Care: 1% upto Rs.5,000
Covered
Dental Treatment
Up to 100% of In-patient treatment sum insured
(In case of accident)
Dental treatment necessitated due to disease or injury
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Bariatric Surgery
Not Covered Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Ayush Benefit
Covered up to sum insured Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Maternity Benefits
Basic: Not Covered
Essential:
Normal Delivery: Up to Rs.15,000 or actuals whichever is less
Caesarean Delivery: Up to Rs 25,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less
Privilege:
Normal Delivery: Up to Rs.25,000 or actuals whichever is less
Caesarean Delivery: Up to Rs.50,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less
(waiting period: 3 years)
Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
New Born baby cover
Basic: Not Covered
Essential & Privilege: Up to Basic sum insured from 1st Day till expiry of Policy or the child is 91 days old whichever is earlier
Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Daily Cash for Accompanying an Insured Child
Basic: Not Covered
Essential: Rs.300 per day subject to maximum of Rs.9,000
Privilege: Rs.500 per day subject to maximum of Rs.15,000
Not Covered Not Covered Not Covered
Organ Donor Expenses
Covered Not Covered
Maxima Restore Super: Covered
Early Cover: Not Covered
Super Care: Not Covered
Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed.
Vaccination (In case of post bite treatment)
Up to 100% of In-patient Treatment Sum Insured or actuals whichever is less Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Health Check-up
Individual: 1 Coupon at the end of every claims two continuous claims free year
Family Floater: 2 Coupon at the end of every claims two continuous claims free year
Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Hospital daily allowance
Basic: Rs.200 per day
Essential: Rs.500 per day
Privilege: Rs.1,000 per day
(Hospitalisation exceeds 3 days for a maximum number of 7 days)
Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Co-pay
10% co-pay applicable for treatment in Non Network hospitals 5% Co pay applicable on all claims
Maxima Restore Super: No Age based Co-Payment
Early Cover: No Age based Co-Payment
Super Care: No Age based Co-Payment
Covered
Pre-existing diseases coverage
Covered after 3 years of continuous coverage Covered after a waiting period of 4 years
Maxima Restore Super: 2 year waiting period for PED
Early Cover: 2 year waiting period for PED
Super Care: 3 year waiting period for PED & 2 year for Specific illness
Pre-existing Disease as defined in this policy shall not be covered until the number of months of continuous coverage as opted by you and mentioned in policy schedule
Restore Benefit
Up to 100% of Base Sum Insured per year Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
NIL restoration benefit
General waiting period
30 days 30 days
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
30 days
Renewal Benefit / Cumulative Bonus
10% every year, maximum up to 50% of sum insured 5% for every claim free year up to 50% of sum insured
Maxima Restore Super: 10% each claim free year (max 50%)
Early Cover: 10% each claim free year (max 50%)
Super Care: 10% each claim free year (max 50%)
You would be eligible for Cumulative Bonus at the time of renewal as mentioned in Your Policy Schedule
Emergency Air Ambulance
Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital.
Available sum insured options
Basic: Rs.1 & 2 Lakhs
Essential: Rs.3 to 5 Lakhs
Privilege: Rs.6 to 10 Lakhs
Rs.1 to 5 Lakhs
Maxima Restore Super: Rs.3 to 25 Lakhs
Early Cover: Rs.3 to 25 Lakhs
Super Care: Rs.3 to 25 Lakhs
Starting from Rs. 2 Lakh
Policy can be purchased for
1/2/3 years 1 year
Maxima Restore Super: 1/2/3 years
Early Cover: 1/2/3 years
Super Care: 1/2/3 years
1/2/3 years
Eligibility criteria
Adults from 18 to 70 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years)
Adults from 18 to 80 years (dependent children will be covered till the age of 25 years)
Between the age group of 1 year and 60 years
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Claims loading
No Loading No Loading Loading No Loading
Portablity(At the time of renewal)
Yes Yes Yes Yes
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025