United India vs Galaxy Health

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Overview

United India Insurance Company Limited is one of India's oldest government-owned insurers, established in 1938. It offers a range of health insurance plans covering basic to advanced medical needs, along with specialized options for critical illness, maternity, and senior citizens. In addition to health insurance, the company provides motor, personal accident, and home insurance products. With decades of experience and a wide product portfolio, it is a stable and practical choice for those comparing insurers based on coverage options and long-term reliability.
COMPANY DETAILS Edit

United India

Edit

Galaxy Health

Number of health insurance plans
Sum insured

Sum Insured

Up to 95 Lakh

Sum Insured

Up to 1 Crore
Claim ratio

Claim Ratio

91.10%

Claim Ratio

98.9%
Network hospitals

Network Hospital

14000+

Network Hospital

3216+
Solvency Ratio

Solvency Ratio

-0.65

Solvency Ratio

4.70
Pan India Presence

Pan India Presence

1537

Pan India Presence

71
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

7,519.28 Crore

Annual premium (company level)

16.95 Crore
Years in operation

Years in operation

1938

Years in operation

2023
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
IRDAI registration number

IRDAI registration number

545

IRDAI registration number

167
Claims settled within 3 months

Claims settled within 3 months

96

Claims settled within 3 months

100
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United India Health Insurance

United India Health Insurance

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United India Health Insurance

Individual and Family Health Insurance

A cost-effective insurance option is the United India Insurance Family Medicare Policy. Anyone between 18 and 65 can get this insurance for themselves...

Unique Features

  • High SI
  • Optional Covers
  • ICU Cover

United India Family Medicare (Pros)

United India Family Medicare
  • In-patient hospitalization
  • Day-care treatments
  • Pre & post-hospitalization
  • AYUSH treatment

United India Family Medicare (Cons)

United India Family Medicare
  • Vaccination unavailable
  • OPD cover
  • Domiciliary hospitalization
  • Global coverage

United India Family Medicare (Other Benefits)

United India Family Medicare
  • Organ donor
  • Maternity & newborn baby cover
  • Daily hospital cash
  • Sum Insured restoration

United India Family Medicare (Eligibility Criteria)

United India Family Medicare
  • Entry age: Min. 18 yrs/ Max. 65 yrs
  • SI: 3 to 25 Lakhs
  • Initial waiting period: 30 Days
  • Policy term: 1 year

Galaxy Health Insurance

Individual and Family Health Insurance

Lock in your premium until age 55.Galaxy Health Insurance Company is a new standalone company in the insurance market. Galaxy Promise is its inaugural...

Unique Features

  • Air Ambulance Cover
  • Room Rent Enhancement
  • Gala Fit Pro-Active Care

Galaxy Promise Health Plan (Pros)

Galaxy Promise Health Plan
  • Unlimited restoration of SI
  • No co-payment
  • Room rent enhancement

Galaxy Promise Health Plan (Cons)

Galaxy Promise Health Plan
  • Investigation and evaluation not covered
  • Dietary supplement
  • Unproven treatment
  • Alcoholism

Galaxy Promise Health Plan (Other Benefits)

Galaxy Promise Health Plan
  • Repatriation of mortal remains
  • Organ transplantation
  • Cashless everywhere

Galaxy Promise Health Plan (Eligibility Criteria)

Galaxy Promise Health Plan
  • Min. Entry Age: 16 Days
  • Max. Entry Age: 65 Years
  • Initial Waiting Period: 24 Months
  • Sum Insured: Up to 1 Cr

Top Up and Super Top Up

Galaxy Top-up plan by Galaxy Health Insurance Company is a top-up health insurance plan. In today's landscape of escalating healthcare costs, securing...

Unique Features

  • Get exciting discounts
  • Digital ICU coverage
  • Gala Fit benefit

Galaxy Top-up Health Insurance Plan (Pros)

Galaxy Top-up Health Insurance Plan
  • Family coverage
  • flexibility in deductible
  • Digital ICU coverage.

Galaxy Top-up Health Insurance Plan (Cons)

Galaxy Top-up Health Insurance Plan
  • Investigation and evaluation
  • cosmetic surgery
  • unproven treatments.

Galaxy Top-up Health Insurance Plan (Other Benefits)

Galaxy Top-up Health Insurance Plan
  • Nanotechnology covered
  • modern treatment
  • delivery expenses covered.

Galaxy Top-up Health Insurance Plan (Eligibility Criteria)

Galaxy Top-up Health Insurance Plan
  • Entry age: 18 years
  • Maximum entry age: 65 years
  • Sum Insured: INR 5 L to 2 Cr
  • Waiting Period: 30 days.

Individual and Family Health Insurance

Galaxy Twin 360 combines in-patient hospitalisation (IPD) cover with out-patient (OPD) and wellness benefits, aiming to make health insurance relevant...

Unique Features

  • Dual coverage for extended protection
  • All round 360 degree health benefits
  • Flexible coverage for individual needs

Galaxy Twin 360 (Pros)

Galaxy Twin 360
  • OPD benefits along with hospitalisation cover
  • usable benefits even in non-hospitalisation years
  • wellness and preventive care integration

Galaxy Twin 360 (Cons)

Galaxy Twin 360
  • Entry age capped at 45 years
  • OPD benefits have usage limits
  • newer insurer with limited long-term claims history

Galaxy Twin 360 (Other Benefits)

Galaxy Twin 360
  • Lifelong renewability
  • multiple sum insured options
  • flexible premium payment modes
  • coverage for day-care and modern treatments
  • cashless treatment at network hospitals

Galaxy Twin 360 (Eligibility Criteria)

Galaxy Twin 360
  • Adults: 18 years to 45 years Children: 90 days to 18 years
Raj Kumar

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.