United India vs Niva Bupa

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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

Niva Bupa

Number of health insurance plans
Sum insured

Sum Insured

Up to 95 Lakh

Sum Insured

Up to 1 Cr
Claim ratio

Claim Ratio

91.10%

Claim Ratio

98%
Network hospitals

Network Hospital

14000+

Network Hospital

10000+
Solvency Ratio

Solvency Ratio

-0.65

Solvency Ratio

3.03
Pan India Presence

Pan India Presence

1537

Pan India Presence

320
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

7,519.28 Crore

Annual premium (company level)

6,762.23 Crore
Years in operation

Years in operation

1938

Years in operation

2008
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
IRDAI registration number

IRDAI registration number

545

IRDAI registration number

145
Claims settled within 3 months

Claims settled within 3 months

96

Claims settled within 3 months

92.4
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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

Niva Bupa Health Insurance

Individual and Family Health Insurance

The Niva Bupa ReAssure 3.0 health plan has made it easier than ever to guarantee lifetime protection for you and your family, with a coverage limit of...

Unique Features

  • Unlimited coverage
  • High flexibility
  • Global healthcare option

Niva Bupa Reassure 3.0 (Pros)

Niva Bupa Reassure 3.0
  • Unlimited Sum Insured
  • Day 1 Pre-Existing Disease Coverage
  • Automatic Sum Insured Restoration
  • No Co-payment Clause
  • Wide Network of Hospitals
  • Flexible Premium Payment Options

Niva Bupa Reassure 3.0 (Cons)

Niva Bupa Reassure 3.0
  • No Monthly Premium Payment Option
  • Higher Premiums for Older Policyholders
  • Customer Service Response Time

Niva Bupa Reassure 3.0 (Other Benefits)

Niva Bupa Reassure 3.0
  • No Claim Bonus / Claim-Free Rewards
  • Daycare & Advanced Procedures
  • AYUSH Treatments

Niva Bupa Reassure 3.0 (Eligibility Criteria)

Niva Bupa Reassure 3.0
  • Minimum entry age: 91 days and 18 years
  • Maximum entry age: 99 years for adults
  • Covers up to 6 members
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.