Hello Friends, My name is sunil I am a health insurance customer of Universal Sompo Health Insurance I have take this policy in month of sep 2016 after 45 day my spouse is suffering from fever and tretment is heppened at felix hospital express way noida, total bill amount was around 15000 rs, but company has denai the calim because my spouse was pregnent, I have told them before taking polociy no one is told me regarding the terms but thay told its comes under pre degise but pregnency is not a degise, I have fight with tpa team till two months for calim but finaly I have not got any singale rupies of my calim, trust me I was not happy with company policy, thanks sunil