Complete Healthcare Insurance

Complete Healthcare Insurance is a health insurance plan from Universal Sompo General Insurance Co. Ltd., available to residents of India. Sum insured ranges from ₹1L to ₹50L, eligible ages 18 to 65, and the policy is lifelong. Below is our take on how it compares to other health plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at ₹5.5K, against a category median of ₹10K across the 19 comparable health plans we track in this country. That places Complete Healthcare Insurance in the bottom quintile on price, and the lower-mid range on coverage ceiling (maximum sum insured ₹50L versus a peer median of ₹1Cr). On the value spectrum it reads as priced cheaply for the category, which usually signals either a budget plan or one with tighter sub-limits.

Coverage breadth is in line with what most health plans offer: 5 core inclusions, 3 highlighted features, and 2 optional riders. Notable features called out by Universal Sompo General Insurance Co. Ltd. include Low entry sum insured, Affordable for first-time buyers, and Sompo Japan backing. On the rider side, Complete Healthcare Insurance can be extended with Critical Illness and Personal Accident — each adding to the base premium but also widening what the policy will pay out for. The cashless network of 5,000 hospitals is well below the category median; if you live outside a metro, verify your preferred hospital is on the list before buying.

On waiting periods, Complete Healthcare Insurance applies an initial waiting period of 30 days, a pre-existing disease wait of 36 months, and a specific-disease wait of 24 months. The pre-existing wait is in line with the category median of around 36 months.

Where Complete Healthcare Insurance explicitly will not pay: PED during waiting period and Cosmetic surgery. These are not unusual exclusions for a health plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.

Best fit for: buyers prioritising lowest annual outlay. Skip if: you need coverage above the plan's maximum sum insured; you have a pre-existing condition you need covered within 2 years. As with any insurance decision, get a quote from Universal Sompo General Insurance Co. Ltd. directly to confirm the rate that actually applies to your profile — listed prices are illustrative.