United India vs Narayana

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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

Narayana Health Insurance

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

100%
Network hospitals

Network Hospital

14000+

Network Hospital

2400+
Solvency Ratio

Solvency Ratio

-0.65

Solvency Ratio

1.61
Pan India Presence

Pan India Presence

1537

Pan India Presence

21
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

7,519.28 Crore

Annual premium (company level)

2.37 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

166
Claims settled within 3 months

Claims settled within 3 months

96

Claims settled within 3 months

92.27
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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

Narayana Health Insurance

Individual and Family Health Insurance

The Aditi Health Insurance by Narayana Health Insurance is a comprehensive plan that provides emergency coverage from day one, without any waiting per...

Unique Features

  • No waiting period
  • Annual health checkups
  • Coverage available at non-network

Narayana Aditi Health Insurance (Pros)

Narayana Aditi Health Insurance
  • 1 Cr sum insured
  • room category modification
  • living organ donor.

Narayana Aditi Health Insurance (Cons)

Narayana Aditi Health Insurance
  • Domiciliary hospitalisation not covered
  • OPD treatment not covered
  • maternity not covered.

Narayana Aditi Health Insurance (Other Benefits)

Narayana Aditi Health Insurance
  • Annual health check-up
  • road ambulance charges
  • coverage from day one.

Narayana Aditi Health Insurance (Eligibility Criteria)

Narayana Aditi Health Insurance
  • Entry Age: 18 years
  • Maximum Entry Age: No age limit
  • Sum Insured: INR 5 Lakh to 1 Crore
  • Waiting Period: No waiting period.

Individual and Family Health Insurance

The Narayana Arya Health Insurance plan is a comprehensive health insurance plan offered by Narayana Arya Health Insurance and Narayana One Health. It...

Unique Features

  • Comprehensive health policy
  • Cashless hospitalisation
  • Easy claim process

Narayana Arya Health Insurance (Pros)

Narayana Arya Health Insurance
  • Upto 1 crore sum insured
  • Zero waiting period
  • Pre and post-hospitalisation

Narayana Arya Health Insurance (Cons)

Narayana Arya Health Insurance
  • Daycare treatment not covered
  • Domiciliary treatments not covered
  • OPD charges not covered

Narayana Arya Health Insurance (Other Benefits)

Narayana Arya Health Insurance
  • Any room type available
  • Top-up options available
  • Quick claim process

Narayana Arya Health Insurance (Eligibility Criteria)

Narayana Arya Health Insurance
  • Entry Age: 18 years (Maximum 65 years
  • with no upper age limit for renewal) Sum Insured (SI): INR 25 Lakh to 1 Crore Waiting Period: 30 days
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.