Complete your Universal Sompo General Insurance Policy Download by logging in on the official Universal Sompo website with your policy number and registered details, or by asking customer care to email the PDF to your registered email ID.
Universal Sompo General Insurance at a Glance
| Detail | Information |
|---|---|
| Full name | Universal Sompo General Insurance Company Limited |
| Started | 2007 |
| Head office | Goregaon East, Mumbai, Maharashtra |
| IRDAI registration number | 134 |
| CIN | U66010MH2007PLC166770 |
| Type | Private general insurer (joint venture) |
| Main backers | Sompo Japan Insurance Inc., Indian Bank, Indian Overseas Bank, Karnataka Bank, Dabur Investment Corp. |
| Stake of top two backers | Sompo about 34.61% and Indian Bank about 28.52% (credit rating report, February 2026) |
| Managing Director and CEO | Sharad Mathur (in the role since 2 June 2020) |
| Incoming MD & CEO | Amit Bhandari (effective February 1, 2027) |
| Gross written premium, FY 2024-25 | About INR 5,093 crore (FY 2023-24: about INR 4,638 crore) |
| Toll free numbers | 1800 22 4030 and 1800 200 4030 |
| General email | contactus@universalsompo.com |
What Is Universal Sompo General Insurance?
Universal Sompo General Insurance is a private general insurance company in India. Its full legal name is Universal Sompo General Insurance Company Limited. It started in 2007 as a joint venture between Indian banks, an Indian business group and a Japanese insurer.
Think of it as a mix of local roots and Japanese insurance know-how. Indian Bank, Indian Overseas Bank, Karnataka Bank and Dabur Investment Corp. sit on one side. Sompo Japan Insurance Inc. sits on the other.
What does it sell?
- Motor insurance: Car and two-wheeler plans.
- Health insurance: Individual, family and senior citizen plans.
- Travel insurance: Domestic and international trips.
- Home and fire insurance: For houses, shops and offices.
- Crop and rural insurance: A big part of its business history.
- Government-linked schemes: Such as accident cover plans.
What Does Universal Sompo General Insurance Cover?
Before you download your policy, it helps to know what is inside it. Here is the plain-words version of what Universal Sompo General Insurance offers.
Health Insurance Cover
Complete Healthcare Insurance offers Basic, Essential and Privilege plans, with sum insured options of around ₹1 lakh to ₹10 lakh. Coverage may include:
- Hospitalisation, ICU, room rent and medical fees.
- Pre- and post-hospitalisation expenses.
- Day-care procedures and organ donor costs.
- Optional critical illness, daily cash and OPD benefits.
- Tax benefits under Section 80D.
Motor, Travel, Home and Crop Cover
- Motor: Protection against accidents, theft, fire and third-party liability.
- Travel: Coverage for domestic and international travel emergencies.
- Home and Fire: Protection for homes and businesses against fire and related risks.
- Crop: Rural insurance support through toll-free number 1800 200 5142.
Age Limits: Who Can Buy?
| Cover type | Adult entry age | Children |
|---|---|---|
| Complete Healthcare Insurance (company brochure) | 18 to 70 years | From 91 days; up to 25 years as dependents |
| Same plan, per some comparison sites | 18 to 75 years | 91 days to 25 years |
| Family floater (comparison site) | 18 to 70 years | From 1 day to 25 years |
| Senior citizen health plan | Starts around 60 years | Not applicable |
| Motor insurance | No fixed upper age; owner must hold a valid licence (18+) | Not applicable |
Why You Need Your Policy Document
Your policy document is the proof that you are insured. Without it, small jobs get slow and big jobs get stressful.
You will need it when you:
- File a claim; the insurer asks for the policy number and copy.
- Get a vehicle checked by traffic police.
- Renew your plan.
- Switch hospitals or ask for cashless treatment.
How to Download Your Policy: Step by Step
There are four easy roads to your policy copy. Your agent or buying platform can also help. Pick the one that suits you.
Method 1: Download From the Official Website
- Open the official Universal Sompo website on your phone or laptop.
- Look for the customer login, “My Policy” or “Download Policy” option.
- Enter your policy number, registered mobile number or registered email ID.
- Verify yourself with the OTP sent to your registered phone or email.
- Open your policy from the dashboard and click the download button.
- Save the PDF on your phone, in email drafts and in cloud storage.
Method 2: Ask for It on the Toll Free Number
Call 1800 22 4030 or 1800 200 4030 and ask for a policy copy. Keep your policy number, date of birth and registered mobile number ready. The team can usually resend the document to your registered email.
Method 3: Send an Email
Write to contactus@universalsompo.com. Use a clear subject line, such as “Request for policy copy: Policy No. XXXX”. Add your policy number, name and registered mobile number in the email.
Method 4: Visit the Nearest Branch
If you prefer a human face and a printed copy, visit a Universal Sompo branch. Carry a photo ID and your policy number or vehicle number. Ask them for a duplicate copy.
If Your Policy Download Does Not Work
- OTP does not arrive: Your registered mobile number may be old. Call customer care and ask them to update it.
- Policy number not found: Check for extra spaces, missing slashes or a zero typed as the letter O.
- Wrong policy type: Health, motor and travel policies may sit under different login options. Try the right section.
- Policy still being issued: If you bought just now, wait a few hours and check your email, including spam.
Universal Sompo General Insurance Toll Free Number
Save these numbers and emails in your phone now, not during an emergency.
| Purpose | Contact |
|---|---|
| Customer care (toll free) | 1800 22 4030 or 1800 200 4030 |
| Senior citizens (toll free) | 1800 267 4030 |
| Crop insurance (toll free) | 1800 200 5142 |
| General queries | contactus@universalsompo.com |
| Claims | contactclaims@universalsompo.com |
| Health claims | healthserve@universalsompo.com |
| Chargeable number (listed by third-party sites) | 022-27639800 |
Universal Sompo General Insurance Claim Intimation
Claim intimation means telling the insurer that something has happened: accident, hospital admission, theft or fire. Telling them early matters because late intimation is a common reason claims get delayed or questioned.
Health Claim Intimation
You can intimate a health claim through the Health Serve web portal, toll-free number 1800 200 4030, or email healthserve@universalsompo.com. For emergency hospital admission, the documents ask for intimation within 24 hours of admission. For planned treatment, inform the insurer before admission.
Motor Claim Intimation
For a car or bike accident, call the toll-free number or email contactclaims@universalsompo.com. Keep your policy number, name, contact number, place, date, time and a short note on what happened ready.
Universal Sompo General Insurance Claim Form
- Official website: Look under the claims or “claim assistance” section.
- Policy kit: Some policy packs include blank claim forms.
- Email or customer care: Ask them to send the right form for your plan.
- Hospital or garage desk: Network hospitals and garages often have copies.
Universal Sompo General Insurance Claim Status
- Use the claim tracking option on the official website and enter your claim registration number.
- Call the toll-free number and quote your claim number.
- Email the claims team with your claim number in the subject line.
- For health claims, use your Health Serve portal login.
Universal Sompo General Insurance Hospital List
Cashless treatment means the insurer pays the hospital directly, and you pay only the non-covered items. It works only at network hospitals.
- Open the official website and find the “Network Hospitals” section.
- Choose your state and city.
- Search by hospital name or area.
- Save two or three hospitals near your home and office.
- Call the hospital’s insurance desk to confirm they accept your plan today.
Universal Sompo General Insurance Renewal & Universal Sompo General Insurance Agent Login
Policy Renewal
- Note your policy expiry date from the first page of your policy.
- Open the official website and use the renewal option, or call the toll-free number.
- Enter your policy number or vehicle number.
- Check the premium, no-claim bonus and any changes in cover.
- Pay online and download the new policy right away.
Agent Login
Agents typically use the login to generate quotes, issue policies and renewals, download policy copies, track commissions and check claim status. Go to the Universal Sompo General Insurance Policy Download, find the partner or agent login section, enter your agent code or user ID and password, and complete the OTP check if asked.
Universal Sompo General Insurance Review: Pros and Cons
Strengths
- Strong backing from a Japanese insurance group and major Indian banks.
- Wide coverage across health, motor, travel, home and crop insurance.
- Reported low health complaints: 5.1 complaints per 10,000 claims.
- Recorded ₹5,093 crore in gross written premiums in FY 2024–25.
- Credit ratings were reaffirmed in February 2026.
Weak Spots
- Reported health claim settlement figures range from 84% to 90%.
- Reported motor claims settlement is around 91%, below the industry average.
- An incurred health claims ratio of around 95% may affect future premium costs.
Conclusion
Universal Sompo General Insurance Policy Download is available through its website, toll-free number, email, branch or agent. Save the Universal Sompo General Insurance Toll Free Number (1800 22 4030 or 1800 200 4030) for assistance. Intimate claims promptly, track their status, check the hospital list and claim form, and renew your policy on time. Overall, our Universal Sompo General Insurance Review finds it a well-backed insurer, though its claim performance could improve. Its MD and CEO is Sharad Mathur.
Read More
Frequently Asked Questions
1. How do I download my policy without my policy number?
Try logging in with your registered mobile number or email. Otherwise, contact customer care for help.
2. Is the policy download free?
Yes, downloading your policy copy is generally free. Confirm with customer care if unsure.
3. How long does it take to receive my policy by email?
It usually arrives within minutes or hours after payment. Check your spam folder if delayed.
4. Can I download motor and health policies from the same login?
It depends on your account setup. Contact customer care if either policy is missing.
5. What should I do if my details are wrong in the policy PDF?
Contact the insurer with supporting documents and request a corrected policy endorsement.
6. How can I be sure a helpline number is real?
Verify it on the official website or policy document. Never share your OTP, PIN or card details.
