Incorporated on 8th February 1938., United India Insurance Company offers a wide range of products ranging from motor insurance, personal accident insurance, household insurance, health insurance, and many more.
The company offers customised and affordable health insurance solutions, catering to every segment, age, and income profile. The plans offered range from Individual plans, family floater plans, senior citizen plans, critical illness plans, and top-up plans, to group health insurance plans. The unique insurance solutions offered by United India Health Insurance ensure to satisfy the healthcare demands of various consumer groups.
Today, the United India Insurance Health insurance company acquires a workforce of over 11,000 employees across 1983 offices providing insurance cover to 1.74 Crore policy holders. Not just this, the company has made its presence in more than 1000 tier II & III towns and villages through its micro offices.
Continue reading to explore more about the United India Insurance Health Insurance
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United India Health Insurance
Why Should you Buy United India Health Insurance?
To assess the performance of the United India Health Insurance company, we at PolicyX.com have evaluated the company on several factors such as network hospitals, claim support, solvency ratio, etc. These factors will give you an insight into the company's performance and will help you make a wise decision.
Network Hospitals: Having a health insurance plan from a company that understands the need for cashless hospitalization can prove to be a blessing in disguise at the time of a medical emergency. With a cashless treatment facility, you are not required to pay any bills from your pocket. All the medical expenses will be settled by your insurance company. United India Health Insurance company offers more than 6500 network hospitals.
Claim Support (Claim settled within 3 months): Before buying a Health Insurance plan, make sure to check the claim support of the Insurance company as it is a key determinant on which your decision should be based. As per the IRDAI Annual Report of 2021-22, the United India has claim support of 97.25%.
Solvency Ratio: The solvency ratio helps you measure the company's ability to meet its financial obligations. Moreover, as per the IRDAI, it is now mandatory for every insurance company to maintain a solvency ratio of 1.5. According to the IRDAI Annual Report of 2021-22, the solvency ratio of United India Health Insurance is 0.82.
Annual Premium: Annual Premium of the company showcases the company's grip on the insurance market. As per IRDAI Annual Report, the Annual Premium of United Health Insurance company is 15,722.25 Crores.
Health Insurance Plans offered by United India Health Insurance
Elaborated below is a glimpse of all the 8 health plans offered by United India Health Insurance Company that will help you narrow down your selection:
Individual & Family Floater Health Insurance Plans
A family floater health insurance plan that offers up to 25 Lacs coverage to you, your spouse and 2 dependent children on the Sum Insured.
Unique Features
Midterm Inclusion available
Modern Treatment Methods
Maternity & New Born Baby cover
Family Medicare Policy(Pros)
AYUSH Treatment Cover
Daycare Treatment Cover
Room Rent Cover
Ambulance Cover
Organ Donor Benefit
Family Medicare Policy(Cons)
2 Years WP for Cataract
Obesity Treatment Unavailable
Unproven Treatments Not Covered
2 Years WP for Hernia
4 Years WP for Joint Replacement
Family Medicare Policy(Other Benefits)
Restoration Of SI
Health Checkup
Affordable Premium
Tax Benefit
Dependent Child Cover
Family Medicare Policy(Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age -65 Years
SI - 3 L to 25 L
Waiting Period - 30 Days
United Individual Health Insurance
An individual health insurance policy that covers hospitalization, day care and ayurvedic expenses.
Unique Features
Ambulance charges covered
Daily hospital cash
Free health check-ups
Individual Health Insurance(Pros)
AYUSH Treatment Cover
Daycare Treatment Cover
Room Rent Cover
Domiciliary Hospitalization
Organ Donor Benefit
Individual Health Insurance(Cons)
2 Years WP for Cataract
Obesity Treatment Unavailable
Unproven Treatments Not Covered
2 Years WP for Hernia
4 Years WP for Joint Replacement
Individual Health Insurance(Other Benefits)
3 Policy Variants
Spouse Cover
Cataract Treatment Cover
Surgical Procedures Cover
Senior Citizen Cover
Individual Health Insurance(Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age -65 Years
SI - 2 L to 20 L
Waiting Period - 30 Days
United Arogya Sanjeevani Policy
The standard health insurance plan, which is designed to look after your healthcare needs at affordable premiums.
Unique Features
Coverage for cataract treatment
AYUSH Treatment covered
Cumulative Bonus up to 5%
Arogya Sanjeevani Policy(Pros)
Pacemaker Implantation Covered
Daycare Treatment Covered
Asthma Treatment Covered
Domiciliary Hospitalization
Organ Donor Benefit
Arogya Sanjeevani Policy(Cons)
No Maternity Cover
No Global Coverage
No Unproven Treatments
No Change in Gender
No Obesity Treatment Cover
Arogya Sanjeevani Policy(Other Benefits)
3 Policy Variants
Spouse Cover
Hypertension Treatment Covered
Influenza Treatment Covered
Senior Citizen Cover
Arogya Sanjeevani Policy(Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age -65 Years
SI - 2 L to 20 L
Waiting Period - 30 Days
United Super Top-up Medicare Policy
The plan offers extended coverage against hospitalization expenses if the cover exceeds the threshold level up to the mentioned sum insured.
Unique Features
Daily cash allowance
Home Care Treatment covered
Road ambulance up to 5K
Super Top-up Medicare Policy(Pros)
AYUSH Treatment Cover
Organ Donor Cost Covered
Room Rent Covered
In Patient Hospitalization
Modern Treatment Covered
Super Top-up Medicare Policy(Cons)
No Respite Care Cover
No Global Coverage
No Unproven Treatments
No Breach Of Law Cover
No Infertility Treatment Cover
Super Top-up Medicare Policy(Other Benefits)
Pre Hospitalization
Post Hospitalization
Stem Cell Therapy Covered
Brain Stimulation Covered
Dependent Child Cover
Super Top-up Medicare Policy(Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age -65 Years
SI -3 L to 75 L
Waiting Period - 30 Days
UNI Criticare Health Policy
A plan that is exclusively designed for 11 listed critical illnesses and pays out a lump sum amount on diagnosis of these listed critical illnesses.
Unique Features
90 Days waiting period
No exit age for continuous renewal
Tax benefits
UNI Criticare Health Policy(Pros)
First Heart Attack Cover
Cancer Covered
Heart Valve Replacement
Coma Treatment Covered
Kidney Failure Covered
UNI Criticare Health Policy(Cons)
No HIV Treatment Cover
No Global Coverage
Diseases Caused By Smoking
No War Injury Cover
No Suicide Cover
UNI Criticare Health Policy(Other Benefits)
Multiple Sclerosis Cover
Permanent Paralysis Cover
Motor Neuron Treatment Cover
Bone Marrow Treatment Cover
Spouse Cover
UNI Criticare Health Policy(Eligibility Criteria)
Entry Age - 21 Years
Max Entry Age -65 Years
SI -1 L to 10 L
Waiting Period - 90 Days
UNI Group Health Insurance Policy
The policy covers an individual and family on a Family Floater basis. Apart from this, it provides additional riders and critical illness covers.
Unique Features
35 optional covers
Donor expenses covered
Mental illnesses covered
UNI Group Health Policy(Pros)
OPD Physiotherapy Cover
Hospital Daily Cash Benefit
Critical Illness Cover
Blindness Covered
Loss Of Pay Covered
UNI Group Health Policy(Cons)
No Sterilization Reversal Cover
No Dangerous Sports Coverage
No Deep Coma Cover
No War Injury Cover
No Dietary Supplement Cover
UNI Group Health Policy(Other Benefits)
Air Ambulance cover
Domiciliary Hospitalization Cover
Maternity Expenses Covered
New Born Baby Covered
Wellness Cover
UNI Group Health Policy(Eligibility Criteria)
Entry Age - NA
Max Entry Age - NA
SI -NA
Waiting Period - NA
United Shramik Seva Policy
A Group Health policy specially designed for Employer-Employee Groups. The plan provides coverage for the basic healthcare needs of the employees/ workers.
Unique Features
5 sum insured options are available
All the daycare treatments
Plastic surgery & Dental treatments
Shramik Seva Policy(Pros)
7 People Covered
Ambulance Cover
Cataract Treatment Cover
Hernia Treatment Covered
AYUSH Treatment Covered
Shramik Seva Policy(Cons)
No Weight Control Cover
No Breach Of Law Coverage
No Change Of Gender Cover
No War Injury Cover
No Dietary Supplement Cover
Shramik Seva Policy(Other Benefits)
Modern Treatment Cover
Out -Patient Treatment Cover
Waiver Of Waiting Period
Maternity Cover
Daily Cash Allowance Cover
Shramik Seva Policy(Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI -1 L to 5 L
Waiting Period - 30 Days
United Corona Kavach Policy
The plan offers coverage against the treatment of COVID-19 on an Individual or Family Floater basis. The plan offers coverage of up to 5 Lakhs.
Unique Features
Home Care Treatment Expenses
AYUSH Treatment
Covid Hospitalization Cover
Corona Kavach Policy(Pros)
Flexible Policy Duration
Daycare Treatment Covered
Room Rent Covered
Spouse Cover
ICU Charges Covered
Corona Kavach Policy(Cons)
No Maternity Cover
No Global Coverage
No Unproven Treatments
No Dietary Supplements Cover
No OPD Cover
Corona Kavach Policy(Other Benefits)
Pre Hospitalization
Post Hospitalization
PPE Kit Covered
Ambulance Cover
Room Rent Cover
Corona Kavach Policy(Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age -65 Years
SI -50 Thousand to 5 L
Waiting Period - 15 Days
Benefits of United India Health Insurance Plans
Among the many benefits that the United India Health Insurance Plans offer, the following are a few that are frequently mentioned:
Affordable Plans: United India health insurance plans are cost-effective, this makes their policies open to even lower-income groups of the society.
Critical Illness Cover: The company has designed plans to cover many critical illnesses. These treatments are generally heavy on the pocket. UNI Criticare by United India Medical Insurance provides coverage for almost 15 critical illnesses with a 90 days waiting period.
Comprehensive Cover: The company has orchestrated all-inclusive policies. They Provide coverage for death, total disability, partial disability and many illnesses. Plans like UNI Group Health Insurance Policy even cover the loss of pay.
Modern Treatment Cover: United India health insurance plans also cover many new treatment techniques, which hastens the treatment process. For example, United Super Top-Up Medicare Policy covers robotic treatment techniques.
Customer Support: The company has an impressive 24*7 online help desk, and they can quickly address your concerns.
Discount: United India medical insurance provides many discounts, for adding family members. The company also offers a No Claim Bonus for every claim-free year.
Family Members Cover: Almost every plan of United India Health Insurance covers spouses and dependent children. Even the policyholder can add parents-in-law, which makes their plans robust.
What is Covered Under United India Health Insurance?
United India health insurance plans have a long list of inclusion, here are a few common inclusions:
New Born Baby Cover
Maternity Cover
Critical Illness Cover
Hospitalization Cover
Pre Hospitalization
Post Hospitalization
Modern Treatment Cover
AYUSH Cover
In Patient Cover
Room Rent Cover
Domiciliary Cover
Ambulance Cover
Out-Patient Cover
Wellness Benefit
What is not Covered Under United India Health Insurance?
All the below-mentioned procedures are not covered under the United India Health Insurance Plans:
Pre-Existing Diseases
Congenital External Diseases, Defects or anomalies.
Sterility and Infertility
Maternity Expenses
Unproven Treatments
Change-of- Gender treatments
Cosmetic or Plastic Surgery
How To Purchase United India Health Insurance Online?
Let's take a look at the buying process designed by United India.
Go to the official website of United India and click on 'Products'.
Go to the 'Health Insurance' option and from dropbox, choose your desired health insurance policy.
You will be then redirected to the 'Premium Calculator Page'.
Fill the form with all the correct details and click on 'Get Quote'.
Make the premium payment online and the policy document will be sent to you at your registered email address.
You can also visit the nearest branch of United India Health Insurance to buy offline plans.
How to Renew United India Insurance Mediclaim Policy?
United India Insurance Health Policy can be easily renewed using both online & offline methods. In the below sections, we will be discussing the steps involved in renewing your United India Health Insurance policy online:
Visit the official website of United India Insurance. Select the "Products" tab on the top menu
From the drop-down menu, Go to the 'Health Insurance Policy' tab and then click on the 'Renew' button.
Enter your policy number and click on the 'Proceed' button.
Check your policy details, and modify them as per your needs and requirements.
Once done, make the payment online for the amount of renewal through the available payment gateways.
Once the payment is confirmed, your renewed policy details will be sent to your registered email address.
In case you face any issues in renewing your UIIC Health Insurance policy, you can contact the nearest branch or can get in touch with the insurer at 1800-425-333-33.
What Is The Claim Process of United India Health Insurance?
To file a claim under United India Healh Insurance, one can opt out for two available options that are: Cashless claims & Reimbursement Claims. In the below section, check-out the claim settlement procedure in detail:
Cashless claims can only be availed if the insured is admitted to the network hospitals. Here the insured can avail of the required treatment without paying anything from his/her pocket. The insurance company or the TPA will deal with all the costs associated with the treatment and pay the hospital directly. Let's look at the below procedure to avail cashless claims.
Cashless Claim Process
To file a claim under United India Healh Insurance, one can opt out for two available options that are: Cashless claims & Reimbursement Claims. In the below section, check-out the claim settlement procedure in detail:
Upon hospitalization, be it planned or unplanned, intimate the company with details of the name and address of the hospital.
The hospital will then send a pre-authorization request (duly signed by the insured and hospital authorities) to the TPA giving the details of admission, illness, proposed line of treatment, and the estimated expenses.
If the request is approved, the TPA will handle the treatment expenses of the insured.
On discharge, pay the amount disallowed by the policy or limited by the SI.
The hospital will send the claim documents to the company.
The amount will be settled directly to the hospital.
Reimbursement Claim Process
Let's look at the below procedure to avail reimbursement claims.
You have to deal with all the medical bills associated with the treatment.
Then after getting treated, you can easily file for the claim and can get the reimbursement.
Once treated, ensure that you have all the necessary documents (in original) to be submitted to TPA /company within 7 days from the date of discharge. Documents required are:
Claim form issued by the insurer
Discharge summary of the hospital
Doctor's certificates and prescriptions
Final hospital bills
Laboratory and other investigation reports and bills
Pharmacy bills and all related documents
The company will examine all the documents and check the authenticity of the claim as per the procedure.
If approved, the company will inform you and directly transfer the amount to the registered bank account.
Contact Information of United India Health Insurance
United India Insurance Co. Ltd., #19, Nungambakkam High Road, IV Lane, Chennai - 600034
customercare@uiic.co.in
91-044-28575200
United India Health Insurance: FAQs
1. Can I include my family members in the midterm of my Individual Health Insurance Policy?
Yes, the midterm inclusion of family members is allowed only in case of:
Newly married spouse within 60 (sixty) days of marriage.
Newborn baby (between 91 days to 180 days) born to mother insured under the policy.
2. Can I port my United India Arogya Sanjeevani Insurance policy?
Yes. The policy facilitates the option for portability as per extant guidelines related to portability.
3. What would happen if I forgot to renew my United India health insurance policy on time?
Normally, the company sends a renewal notice or reminder before the expiration date of the policy. In case you miss that, you have a grace period of 15 to 30 days under which you can make the payment and get the required benefits on time.
4. Is there any limit on filing claims under United India Health Insurance?
Usually, there is no restriction on filing claims (till the coverage amount) under United India Health Insurance. You are free to file the same whenever you want to.
5. Does the United Shramik Seva Policy offer coverage against pre-existing disease?
No, the company will not be liable to make any payment for the pre-existing disease.
6. Is a medical checkup necessary for investing in United India Health Insurance?
It totally depends upon the plan. A few plans might ask you for a medical examination while the rest may not.
7. What is a Free Look period, and what is its duration under United India Insurance Mediclaim Policy?
Freelook period is a period wherein a policyholder can cancel their policy without levying any penalties. Policies offered by the UIIC Health Insurance come with a free look period of 15 days.
8. Will I be eligible for tax benefits if I purchase a United India Insurance health insurance policy?
Yes. When you purchase a United India Insurance Health Policy, the premium you pay is exempted from the income tax as per the current tax laws.
9. Is there any special plan designed especially for the senior citizens under the United India Insurance Mediclaim?
Yes. Senior Citizen Health Insurance Policy is a health insurance plan offered by United India Insurance that is specifically tailored for senior citizens.
10. Does the United India Insurance policy cover COVID-19?
Except for the Uni Criticare Policy, all of United India Insurance Co. Ltd.'s health policies cover COVID-19-related hospitalization bills.
11. What is the best time to renew my United India Health Insurance policy?
You can renew your United Health Insurance policy anytime between the 30 days before the expiry date of policy till the date of expiry.
12. What are the available online payment modes for buying or renewing the policy?
You can make the online payment through Internet banking / Debit card / Credit card / UPI.
13. Is there any maternity specific health insurance plan under United India Health Insurance company?
No, there is no specific health plan with in built maternity benefits. However, you can avail maternity coverage as an optional coverage.
Other Health Insurance Companies
Compare United India Health Insurance mediclaim policies with other top insurers in India.
Read what our customers have to say about United India health insurance company.
Depender mertya
Hyderabad
September 9, 2021
I will surely recommend this insurance... their support staff was great. and when it came to settling my recent medical bills, the claim process is very quick and smooth.
Sumeet Sharma
Ahmedabad
September 9, 2021
my friend recommended united India for a health plan to me because of the affordability and features...very happy...very very happy
Salman saifi
Kolkata
September 1, 2021
I bought my health plan from United India. I recently claim for my hospitalization and the response time was best amazing! Thanks United India
Hansa Shah
Rajkot
May 5, 2021
Very Good Health Insurance Company. Fully satisfied with the company. Will definitely give 10 on 10 to their services.
Pawan
Kochi
May 5, 2018
very good online service. I have Individual Mediclaim Health Insurance with United India Health Insurance. They have very decent policy. They provide with good claim record and very easy to app...
Trisha chaudhary
Delhi
September 6, 2021
a friend of mine suggest me to buy a health plan from United health insurance, and I am totally satisfied with the service.
Dilip Kumar
Ahmedabad
September 1, 2021
I have bought health insurance from united health and I am very impressed with the plans and the cost of the plan, moreover, their customer service is amazing.
Ravi Kumar
Guwahati
August 31, 2021
Very good service. bought health insurance plan from United India Insurance. decent prices and provides cashless claim settlement too.
