🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
Author
Read Bio
Reviewed by
Read Bio
The selection of the appropriate health and travel insurance is an important idea that should be undertaken, given the availability of such plans as Tata AIG Global Combo Plan and Universal Sommo Plus Silver Plan in 2025. Depending on the specific benefits, both policies are helpful in providing strong protection both within the country and in other countries, however, each of them has its benefits. As the insurance will continue to be more critical in 2025 with the changing trends in travel and the increased cost of health care, the need to compare these two policies in a critical aspect is increased.
This is a comprehensive paper which draws a comparison between Tata AIG Global Combo and University Sompo Plus Silver Plan, outlines prominent features, advantages, omissions, restrictions, and the applicability of the two plans to different profiles of users. You may be a frequent traveller, a family seeking a cover that is all inclusive or an individual seeking to have hassle free claims, this comparison will make you make an informed choice.
Tata AIG Global Combo Plan is a multipurpose insurance plan that is aimed at providing both travel and health cover to the Indian policy holders. The plan has been improved in 2025 to meet the sophisticated needs of the modern world concerning medical emergencies in the world, travel risks, hospital stay, and other traveler benefits.
Universal Sompo Plus silver plan is a renowned insurance policy which offers health and travel insurance as a package. As more attention shifts to flexibility and affordability this year, the plan is aimed at attracting the attention of families, individuals, and business travellers. It has a reputation of having simplified claim process and inclusion of broad coverage at competitive premium rates.
Tata AIG Global Combo Plan tends to have a broader scope of travel emergencies and has a better global coverage. Universal Sompo Plus Silver Plan is more concerned about being cheaper and having easier claim settlement at a reasonable coverage.
Did you know?
By 2025, telemedicine and mental health assistance will become the norm as most health plans worldwide offer them to policyholders as they seek care even in foreign locations.
Pros
Cons
Pros
Cons
It is also questioned: which program is more suitable to students or long-term travellers?
The greater global sum insured and network hospital coverage offered by Tata AIG makes it more appropriate to students and individuals on work permits in foreign countries. Universal Sompo is best suited to off-country holidays and domestic travel.
| Characteristic | Tata AIG Global Combo | Universal Sompo Plus Silver. |
|---|---|---|
| Max Sum Insured at the Global Level | Rs 1 crore | Rs 50 lakh |
| Pre and Post Hospitalization Cover | 60 and 90 days | 60 and 90 days. |
| Ambulance Charges | Yes, to the extent of Rs 5,000 | Yes, to the extent of Rs 2,500 |
| Trip Cancellation | Yes | Yes |
| Baggage/Passport loss | Rs 50,000 | Rs 30,000 |
| Critical Illness Benefit | Up to 15 lakh (add-on) | Up to 10 lakh (add-on) |
| Telemedicine | Yes | Yes |
| Mental Health Coverage | Yes (2025 update) | No |
| Cashless Hospital Network | International | Big cities of India. |
| Medical Check-up Requirement | Occasionally | Not until the age of 55. |
Professional opinion: Insurers in the future (2025) are becoming more and more mental health benefits and global cashless care which makes Tata AIG a bit on the coverage game this year.
The 2025 premiums have been according to the increased medical inflation and uncertainties related to travelling. The following is the immediate comparison of 35-year old person who chooses to have Rs 50 lakh sum insured annually:
| Plan | Annual Premium (INR)* |
|---|---|
| Tata AIG Global Combo | Rs 17,500 |
| Universal Sompo Plus Silver | Rs 12,800 |
Premiums are suggestive and can change with age, pre-existing illnesses, add-ons and length of travel.
The premium provided by Tata AIG can be justified by the additional benefits to frequent international travelers or people who need to have a wide network of medical services. Universal Sompo has a lot to offer in terms of value to domestic and short travels.
Did you know?
In 2025, Universal Sompo recorded a 97 percent claim settlement ratio on family and short-term travel claims which is a confidence-giver among the younger policyholders.
Expert opinion: Both insurers have put their funds on fast digital claims. Small claims are victorious in Universal Sompo. Tata AIG performs well in cases of demand at a global level or when claims are huge.
As a rule, policyholders provide diagnosis documents, hospital bills, discharge reports, identification documentation, and in case of travel claims, the information about tickets or passports.
Did you know?
In 2025 Tata AIG has launched overseas dental emergency cover as a standard feature becoming a new trend in the industry.
Another topic of inquiry is: Who has the best after sales service as an insurance company? Tata AIG has a reputation of having multilingual support on the global market, whereas Universal Sompo concentrates on the community support and local touch in India.
TLDR: Tata AIG Global Combo Plan will work well with those who have to travel abroad frequently, high-risk populations, students, or families that require a better protection with a bigger price tag that will be recognized worldwide. The best one is Universal Sompo Plus Silver Plan which suits budget conscious consumers, domestic travelers and ease of use and claims besides enterprising protection.
Facts: In Tata AIG vs Universal Sompo Plus Silver, the court found that all commercial dealers are bound by the agreement to adhere to the terms and conditions established in the contract between the company and the insurer.
| Characteristic | Tata AIG Global Combo | Universal Sompo Plus Silver. |
|---|---|---|
| International Expansion (Rs) | Up to 1 crore | Up to 50 lakh. |
| Hospitals -domestic, Cashless | 9800+ | 5000+ |
| Add-on Riders | Extensive | Limited. |
| Premium (Per year) | Rs 17500 | Rs 12800 |
| Wellness Telemedicine and Wellness | Yes | Yes. |
| Critical Illness Add-on | Yes (maximum of 15 lakh) | Yes (maximum of 10 lakh) |
| COVID Cover Included | Yes | Yes |
| Pre-policy Medicals | Occasionally | Not to 55 yrs. |
| Claim process | Medium speed | Small claims - fast. |
| Who Should Buy? | Tata AIG Combo | Universal Sompo Plus Silver. |
|---|---|---|
| Frequent Flyers, Students, Expats | Yes | No |
| Low-cost Family Plan | No | Yes. |
| Easy Paperless Claim Settlement | Yes | Yes. |
| Max Overseas Protection | Yes | No |
The portability is permitted according to the IRDAI standards with the waiting period carryover and underwriting permission.
What is the key benefit of Tata AIG Global Combo Plan in 2025?
The plan provides the highest number of cover when there is an international medical emergency, substantial network of cashless and new addition covers such as mental health cover and dental cover.
Is Universal Sompo Plus Silver Plan adequate in covering Europe or the US in terms of travel?
For most short trips, yes. In case of long periods of stay or student visa, the coverage and partner networks might not be sufficient as compared to Tata AIG.
What is the speed of claim settlements in the two plans?
The domestic and smaller claims are a little expedited at Universal Sompo. Tata AIG handles complex global claims efficiently and could take more time with overseas hospitalizations.
Are pre-existing ailments included on the first day?
No, they both need a waiting period. Tata AIG has a waiting period of 48 months, as is the case in the industry.
Does either of the plans cover dental treatment?
Since 2025, the Tata AIG provides overseas dental emergency cover as a base, whereas Universal Sompo does not except in critical situations or as an optional cover.
Are these plans telemedicine and online doctor consultations?
Yes, both plans offer telemedicine and the possibility to access online doctors at no extra costs.
Is it possible to purchase and renew these policies online?
Yes, in 2025 both Tata AIG and Universal Sompo permit the option of online buying, e-policy issuance and online renewals.
Are there any loyalty bonuses/no claim bonuses?
Universal Sommo offers maximum no-claim bonus increment of 30 percent. Tata AIG provides benefits in the form of wellness and incremental benefits on no claim years.
Are adventure sports injuries included in these policies?
As a supplement and wholly at the price. Risky sports are not normally included in standard plan. Observe what the respective providers provide when buying.
To conclude, the Tata AIG Global Combo Plan is designed to meet the needs of the individuals that require maximum and global protection, whereas a Universal Sompo Plus Silver Plans will be the more rational option in case of domestic travelers or families in need of the affordable coverage and unproblematic claims.
You should always evaluate your key tourist destinations, family medical needs, and your finances before arriving at the final decision. Always make sure that you talk to a licensed insurance broker or refer to the websites to get the correct prices and terms of the policies.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
Loved by 1M+ users (web). Start your financial journey today!
