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United India Health Insurance

United India Insurance Company Limited is one of India’s most popular insurance firms, with a global presence and reputation. The company offers a wide range of insurance products, including personal accident insurance, automobile insurance, health insurance, and many others, with the primary goal of providing insurance protection to everyone.

When we talk about the company’s health insurance plans, it provides personalized plans with a variety of coverage advantages, including hospitalization and Ayush treatment coverage. Individual plans, family floater plans, critical illness plans, senior citizen plans, top-up plans, and group health insurance plans are among the creative health insurance options it offers to meet the healthcare needs of different segments of customers. The insurance company has also seen tremendous growth over the years as a result of its outstanding products and client service.

Key Highlights

Incurred Claim Ratio101.46% (2019-2020)
Solvency Ratio0.30 (As Of March 2020)
Number Of Policies Sold1,080,675 (2019-2020)
Network Hospitals7000+
Number Of Policy Holders17410498
Number Of Claims Settled6879518
Office Network2096
Awards & Recognition
  • SKOCH Award For ICT Based Innovation For M-Power
  • Girish Radhakrishan, CMD, UIIC, Receiving The Award For Best Insurance Company In Implementing The Government Health Schemes
  • SKOCH Award 2018 – Best In Class Crop Insurance Program
Registered Office24, Whites Road, Chennai – 600014
Head Office#19, Nungambakkam High Road, IV Lane, Chennai – 600034
Types Of Health Insurance Plans
  • Revised Family Medicare Policy
  1. Family Medicare 2014
  2. Revised Individual Insurance Policy
  3. Individual Health Insurance Policy
  4. Arogya Sanjeevani Policy
  5. Corona Kavach Policy
  6. Revised Super Top Up Medicare Policy
  7. Super Top Up
  8. UNI Criticare
  9. UNI Group Health Insurance Policy
  10. United Shramik Seva Policy

United India Health Insurance Plans

1. United India Family Medicare Policy

Under the Revised Family Medicare Policy, Individual or Family Floater coverage is available to the policyholder. Individual basis provides a separate sum insured for each insured member, whereas family floater basis shares the sum insured limit with the insured’s entire family as defined in the policy schedule.

Key Features:

  • In-Patient Hospitalization: The policy will cover the reasonable and customary charges for the medical expenses of an insured person in the event of medically necessary treatment received while hospitalized, provided that the admission date of the hospitalization due to Illness or Injury falls within the policy period.
  • DayCare Treatment: Following an illness or accident that happens within the insurance period, the policy will reimburse the medical expenses incurred on the insured person’s daycare treatment during the policy period.
  • Pre- & Post-Hospitalization Expenses: The policy will cover the insured person’s pre-hospitalization medical expenses incurred due to an illness or injury that occurs within 30 days of being admitted to the hospital, as well as post-hospitalization medical expenses incurred due to an illness or injury that occurs within 60 days of being discharged from the hospital, up to a maximum of 10% of the sum insured.

Eligibility:

Entry Age

Minimum Age: 91 Days To 18 years

Maximum Age: 65 Years

Sum InsuredRs. 3 lacs, 4 lacs, 5 lacs, 6 lacs, 7 lacs, 8 lacs, 9 lacs, 10 lacs, 15 Lacs, 20 Lacs & 25 Lacs
Policy Tenure1 Year
Room, Boarding, & Nursing Expenses1% Of Sum Insured
ICU/ICCU Expenses2% Of Sum Insured
Organ Donor Benefit10% Of Sum Insured

2. Family Medicare 2014

The United India Family Medicare 2014 is a health insurance policy that is an upgraded version of the United India Family Medicare Plan. The policy provides coverage for all family members under a single sum insured.

Key Features:

  • Comprehensive Plan: The plan covers all the family members under a single sum insured option.
  • No-Claim Bonus: For every claim-free year, a no-claim bonus is provided to the policyholder.
  • Free Look-Up Period: After the policy inception, a free look-up period of 15 days will be provided to the policyholder.

Eligibility:

Entry Age

Minimum Age: 3 Months To 18 Years

Maximum Age: 80 Years

Sum InsuredRs. 2 Lakhs To Rs. 10 Lakhs
Room, Boarding, & Nursing ExpensesNot More Than 1% Of Sum Insured
ICU ExpensesNot More Than 2% Of Sum Insured

3. United India Individual Insurance Policy

The policy provides coverage for an individual on an individual sum insured basis. The coverage is also available as a family package, with separate sums insured for each family member, including the proposer, spouse, dependent children, and parents. The policy is divided into three categories based on the age of the policyholder: Platinum, Gold, & Senior Citizen.

Key Features:

  • Pre- & Post-Hospitalization Expenses: The policy provides coverage to both pre and post-hospitalization expenses.
  • Domiciliary Hospitalization: The policy will cover medical treatment for a period of more than three days for any illness, condition, or injury that would normally necessitate hospitalization but is instead received while confined at home.
  • Ayurvedic Treatment: The company will pay the reasonable and customary charges incurred as an in-patient for an insured person in the event of medically necessary treatment received during hospitalization.

Eligibility:

Entry Age
  • Platinum: 18 To 35 Years
  • Gold: 36 To 60 Years
  • Senior Citizen: 61 To 65 Years
Sum Insured
  • Platinum: Rs. 2, 3, 5, 8, 10, 15, 20 Lakhs
  • Gold: Rs. 2, 3, 5, 8, 10 Lakhs
  • Platinum: Rs. 2, 3, 5 Lakhs
Policy Tenure1 Year
Room, Boarding, & Nursing ExpensesUp To 1% Of Sum Insured
ICU ExpensesUp To 2% Of Sum Insured

4. United India Individual Health Insurance Policy

United India Individual Health Insurance Policy is a comprehensive health insurance plan that covers up to 20 lakhs in medical expenses. This policy can be used to cover an individual’s spouse, dependent children, and parents. The plan comes in three variants: Platinum, Gold, and Senior Citizen.

Key Features:

  • Organ Transplant Coverage: If the insured person requires an organ transplant, the policy will provide coverage to the same.
  • Optional Covers: The policy provides two optional covers to the policyholders, namely Daily Cash Allowance on hospitalization and Road Ambulance Cover.
  • Pre- & Post-Hospitalization Expenses: The plan provides coverage to both pre- as well as post-hospitalization expenses.

Eligibility:

Minimum Entry Age
  • Platinum: 18 Years
  • Gold: 36 Years
  • Senior Citizen: 61 Years
Maximum Entry Age
  • Platinum: 35 Years
  • Gold: 60 Years
  • Senior Citizen: 65 Years
Sum Insured Options
  • Platinum: Rs. 2 To Lakhs Rs. 20 Lakhs
  • Gold: Rs. 2 Lakhs To Rs. 10 Lakhs
  • Senior Citizen: Rs. 2 Lakhs To Rs. 5 Lakhs

5. United India Arogya Sanjeevani Policy

United India Arogya Sanjeevani is a well-designed policy that provides financial assistance to the insured in the event of a medical emergency.

Key Features

  • Hospitalization Expenses: During the policy year, Arogya Sanjeevani policy will reimburse medical expenses incurred for the insured person’s hospitalization.
  • AYUSH Treatment: The policy will provide coverage to the treatments done under Ayurveda, Yoga, Unani, Siddha, and Homeopathy systems.
  • Cataract Treatment: Medical expenditures incurred for cataract treatment will be reimbursed by the policy up to a maximum of 25% of the sum insured.

Eligibility:

Entry Age18 To 65 Years
Sum Insured OptionsRs. 1, 1.5, 2, 2.5, 3, 3.5, 4, 4.5, & 5 Lakhs
Policy Tenure1 Year
RenewabilityLifelong
Room Rent, Boarding, & Nursing ExpensesUp To 2% Of Sum Insured
ICU/ICCU ExpensesUp To 5% Of Sum Insured
Cumulative Bonus5% Increase For Each Claim-Free Year

6. United India Corona Kavach Policy

The corona Kavach Policy provides coverage on an individual as well as family floater basis. Individual basis provides a separate sum insured for each covered person, whereas family floater basis shares the sum insured limit with the insured’s entire family as defined in the policy schedule.

Key Features:

  • Covid Hospitalization Coverage: The policy will reimburse medical expenditures incurred by the insured person during the policy period for the treatment of Covid after a positive Covid diagnosis.
  • Home Care Treatment Expenses: The policy also covers treatment for Covid received at home by the insured individual following a positive diagnosis of Covid in a government-approved diagnostic center, which would normally need care and treatment in a hospital but is instead received at home for a maximum of 14 days per occurrence.
  • AYUSH Treatment: The policy shall indemnify medical expenses incurred for the treatment for Covid under the Ayurveda, Yoga, Unani, Siddha, and Homeopathy systems.

Eligibility:

Entry Age18 To 65 Years
Sum Insured OptionsRs. 50,000, 1 Lakh, 2 Lakhs, 2.5 Lakhs, 3 Lakhs, 3.5 Lakhs, 4 Lakhs, 4.5 Lakhs, & 5 Lakhs
Policy Tenure3.5/6.5/9.5 Months
Road Ambulance CoverageUp To Rs. 2000 Per Hospitalization

7. United India Super Top Up Medicare Policy

The Revised Super Top Up Medicare policy pays for all covered hospitalization(s) of the insured person(s) during the policy period that exceeds the threshold level, up to the sum insured specified in the policy schedule.

Key Features:

  • In-Patient Hospitalization Expenses: The insurance will cover the costs of an insured person’s medical bills if he or she is hospitalized due to illness or injury, as long as the admission date falls within the policy period.
  • AYUSH Treatment: The treatments done under Ayurveda, Yoga, Unani, Siddha, and Homeopathy systems will be covered under the policy.
  • Modern Treatments: The policy also provides coverage to various modern treatments either as in-patient treatment or daycare treatment in a hospital.

Eligibility:

Entry Age18 To 80 Years
Sum Insured Options
  • For Rs. 2 Lakhs Threshold: Rs. 3 Lakhs & 5 Lakhs
  • For Rs. 3 Lakhs Threshold: Rs. 3, 5, & 7 Lakhs
  • For Rs. 5 Lakhs Threshold: Rs. 5, 10, & 15 Lakhs
Policy TermOne Year
RenewabilityLifelong

8. United India Super Top Up

If the cover surpasses the threshold level, the United India Super Top-Up Health Policy covers aggregate hospitalization expenses up to the stated sum insured. Individual and family floater coverage are available under the policy. A distinct sum insured is provided for each insured person on an individual basis, whereas the sum insured limit is shared by the entire family on a family floater basis.

Key Features:

  • Hospitalization Expenses: The policy provides coverage to the hospitalization expenses of the insured person.
  • AYUSH Treatment: If the treatment is done under Ayurveda, Yoga, Unani, Siddha, & Homeopathy systems, then the policy provides coverage for the same.
  • Modern Treatments Coverage: The plan also offers coverage for various modern treatments, such as balloon sinuplasty, deep brain stimulation, robotic surgery, etc.

Eligibility:

Entry Age18 To 80 Years
Free Look Period15 Days
Cashless Facility7000+ Hospitals

9. UNI Criticare

UNI Criticare Insurance is a comprehensive medical plan that covers all costs associated with the treatment of any critical illness.

Key Features:

  • Free Look Up Period: At the start of the first policy, the insured will get a 15-day free look period to study the conditions of the policy.
  • Comprehensive Coverage: The policy covers a wide range of critical illnesses, such as major organ transplants, bypass surgery, etc.
  • Lump-Sum Payment: In case the insured is diagnosed with any listed critical illness, the policy will pay a lump sum amount to the insured person.

Eligibility:

Entry Age21 To 65 Years
Sum Insured OptionsRs. 1/3/5/10 Lakhs
Waiting Period90 Days
Survival Period30 Days

10. UNI Group Health Insurance Policy

The UNI Group Health Insurance Policy covers all costs associated with an insured person’s treatment. The plan is offered as a floater for individuals or families.

Key Features:

  • In-Patient Hospitalization: The policy provides coverage for in-patient hospitalization expenses.
  • Day Care Treatments: The policy also covers the treatments that do not require hospitalization for more than 24 hours.
  • Mental Illness Cover: The plan provides coverage to various mental illnesses, such as Schizophrenia, Depression, Obsessive-Compulsive Disorders, Bipolar Affective Disorders, etc.

Eligibility:

Minimum Entry Age91 Days To 18 Years
Free Look Period15 Days
Grace Period30 Days

11. United Shramik Seva Policy

The United Shramik Seva Policy is a group health insurance policy for Employer-Employee groups that are specifically designed to meet the most basic and necessary health needs of employees/workers in all industrial and commercial establishments, offices, workplaces, and other locations, while also keeping them safe.

Key Features:

  • Hospitalization Expenses: Medical expenditures incurred for the insured person’s hospitalization during the policy period will be reimbursed by the company up to the sum insured mentioned in the policy schedule.
  • AYUSH Treatment: During each policy year, the plan would reimburse medical expenses for inpatient care treatment under the Ayurveda, Unani, Siddha, and Homeopathy systems of medicine up to a maximum of Rs. 15000 in any AYUSH Hospital.
  • Pre- & Post-Hospitalization Expenses: The policy provides coverage of pre and post-hospitalization expenses of the insured person.

Eligibility:

Minimum Group Size7 Members
Entry Age18 To 65 Years
Sum Insured OptionsRs. 1 Lakh To Rs. 5 Lakhs
Policy Tenure1 Year
Room Rent, Nursing, & Boarding ExpensesUp To 1% Of Sum Insured
ICU/ICCU ExpensesUp To 2% Of Sum Insured
Road Ambulance ChargesUp To Rs. 2000 Per Hospitalization

Why Should You Choose United India's Health Insurance Plans?

  • Strong Network Of Hospitals

Insurance providers with a larger network of hospitals are always preferred since it makes it easier for policyholders to locate a healthcare center that offers cashless treatment. United India Health Insurance has partnerships with over 7000 hospitals to provide a cashless service including pre and post-hospitalization expenses, complimentary health check-ups, and much more.

One of the most significant advantages of a strong network of hospitals is that there is no need to worry about making financial arrangements at the last minute. The health insurer pays the hospital bills directly, relieving the insured of the financial burden.

  • Want To Port Your Plan? – United India Allows You To Do So!

United India provides a portability option that allows policyholders from various insurers to switch to United India Health Insurance plans. It will enable them to make use of the new insurer’s services. This is a simple approach to leave your previous insurer and join a new one that fits your budget and needs.

  • Stay Sure With Ideal Incurred Claim Ratio

The Incurred Claim Ratio, or ICR, is the ratio of an insurer’s total value of claims resolved to the total value of premiums received over a certain time. Any policyholder who has less than a 50% incurred claims ratio is losing money. The ratio of incurred claims should be between 75 and 90%.

When we talk about United India Insurance, the company has an excellent Incurred Claim Ratio of 101.46, which itself indicates the profit of the company.

  • Want Simple Renewal Process? – Get It With United India!

United India policyholders can simply renew their health insurance coverage online in just a few minutes. They only need to input their policy number and make payments using a secure payment gateway to renew their health insurance plan. This simplifies the renewal process for the policyholders.

  • Solve Your Queries With Digital Chatbox

United India Health Insurance provides its policyholders with a digital chatbox, which assists clients with claim assistance, policy support, KYC update, and other health insurance-related issues. This feature allows the policyholders to seek policy solutions at any moment, with no trouble.

  • Higher Experience

With 83 years of experience, the United India General Insurance company provides top-notch insurance solutions to its customers. The great experience of the company has resulted in 1.74 crores of happy customers that have received 100% satisfaction from the company’s insurance solutions.

  • Wider Presence

Through the revolutionary Micro Offices, United India has established a presence in over 1000 tier II and III cities and villages.

  • Do You Want Lifelong Renewability?

Almost all of United India’s health insurance policies include a lifetime renewal option for all policyholders. Policyholders can continue to be protected and make use of the benefits of their health insurance coverage with this perk. To take advantage of this benefit, simply renew your coverage at the end of the policy term without any failure.

How To Calculate Premium For United India Health Insurance Plans?

  1. Visit the official website of the United India General Insurance company.
  2. Click on the “Products” tab, then click on “Buy New Policy/Get Quote” under the Health Insurance tab.
  3. Choose your cover type, and press “Ok”.
  4. Enter all the essential details, and then press on “Get Quote”.
  5. The premium details will be displayed on the screen.
NameAgeGenderSum InsuredPremium
Avantika28FemaleRs. 3,00,000Rs. 4034
Anuj31MaleRs. 4,00,000Rs. 4987
Savita41FemaleRs. 5,00,000Rs. 8341
Nitesh56MaleRs. 7,00,000Rs. 24,228

Buying Process Of United India Health Insurance Plans

  1. Visit the official website of the company.
  2. Click on the “Products” tab, and then click on “Buy New Policy/Get Quote” under the “Health Insurance” tab.
  3. Select your type of coverage, and then press “Ok”.
  4. Enter all your essential details and press on “Get Quote”.
  5. A dialog box will appear asking for your email id and mobile number. Enter these details and click on “Check Premium”.
  6. The premium details will be displayed on your screen. Click on “Quick Online Policy” and pay for the premium.

How To File A Claim For United India Health insurance Plans?

CASHLESS CLAIM

  • Informing The Company: Whether it is planned hospitalization or unplanned hospitalization, you first need to inform the company as soon as possible.
  • Sending Pre-Authorization Request: The hospital will then send the pre-authorization request to the insurance company to give details of admission, illness, estimated expenses, etc.
  • Settling The Claim: Once your pre-authorization request is approved by United India, the insurance company will directly settle the claim with the hospital.

REIMBURSEMENT CLAIM

  • Get Treated: Get treated and pay for the medical bills arising out of the same.
  • Inform The Insurance Company: After the insured person is discharged from the hospital, inform the insurance company as soon as possible.
  • File The Claim: After getting treated, you now need to file a claim against your medical expenses.
  • Submitting Documents: Submit all the necessary documents along with the duly filled and signed claim form to the insurance company.
  • Settling The Claim: Once your claim request is approved, the insurance company will reimburse the amount to the registered bank account of the policyholder.

Documents Required

  • Duly filled and signed claim form
  • Discharge summary
  • Final hospital bills
  • Doctor’s prescriptions and certificates
  • Pharmacy bills
  • Lab reports and other investigation reports and bills

How To Renew Your United India Health Insurance Plan?

  1. Visit the official website of the company.
  2. Click on “Health Insurance Policy”, and then click on “Renewal”.
  3. Choose the health insurance policy you wish to renew.
  4. Enter your policy number and then click on “Proceed”.
  5. Select your insurance quote and make the payment online.

Frequently Asked Questions

1. What are the modern treatments covered under the Revised Super Top Up Mediclaim Policy of United India Health Insurance?

  1. Uterine Artery Embolization & High Intensity Focussed Ultrasound (HIFU)
  2. Balloon Sinuplasty
  3. Deep Brain Stimulation
  4. Oral Chemotherapy
  5. Immunotherapy 
  6. Intra Vitreal Injections
  7. Robotic Surgeries
  8. Stereotactic Radio Surgeries
  9. Bronchial Thermoplasty
  10. Vaporization Of The Prostate
  11. Intra Operative Neuro Monitoring (IONM)
  12. Stem Cell Therapy

2. How can I contact the United India General Insurance company?

You can call the company at their toll-free number 1800 425 333 33. Or, you can click on the Digital Chatbox at the right-down corner of the homepage.

3. What is the deadline for United India Insurance to receive notification of a hospitalization?

In the case of scheduled hospitalization, you must notify United India Insurance or the TPA at least 72 hours prior to admission, and in the case of emergency hospitalization, you must notify United India Insurance or the TPA within 24 hours of admission.

4. Is it possible to claim tax benefits on the premiums I pay for United India Insurance's critical illness plans?

Yes. Under Section 80D of the Income Tax Act, you can get a tax reduction on the premiums you pay for United India Insurance’s critical illness insurance.

5. Is it possible to amend the sum assured during the United India family health insurance policy's term?

It will not be able to change the sum covered amount during the term of your United India family health insurance policy. If you wish to make any modifications (raise or reduce), you should wait until your policy is up for renewal.