United India Health Insurance Company
United India Insurance Company Limited was started on February 8, 1938, and is one of the oldest government health insurance companies in India. It offers different types of insurance like health, motor, personal accident, and home insurance. The company was nationalized in 1972 and has been helping people stay financially protected since then. With many years of experience, it focuses on providing simple and reliable insurance to people across the country.
What Does United India Health Insurance Do?
United India Health Insurance is one of the oldest health insurance companies aiming for citizens' well-being. The company offers various insurance products that cover Tier 1, Tier 2, and Tier 3 areas.
Interesting Facts About United India Health Insurance
- The company was founded in 1938 but was nationalized in 1972.
- It has grown to a workforce of over 9,000 employees.
- This workforce operates across 1,533 offices.
- Its policies offer tailored solutions for customers.
- Its innovative micro offices are present in more than 1,000 Tier 2 and Tier 3 towns.
United India Health Insurance Awards and Accolades
- 'Best Insurance Company in Implementing the Govt. Health Schemes' Award
- 'Best Digital Transformation Initiative Awards'
- 'Best Claims Service Provider'
- 'BFSI Silver for SKOCH Awards 2023'
A Quick Outlook
- Cashless Claim Settlement: 24 hours
- Minimum Entry Age: 3 months
- Maximum Entry Age: 65 years
- Sum Insured: Up to Rs. 95 Lakh
- Network Hospitals: More than 14,000
- Tax Benefits: Up to Rs. 1 Lakh
- Solvency Ratio (2021-22): 0.82%
- Claim Settlement Ratio (2023-24): 91.90%
- Ambulance Expenses: Covered
- Coverage for Accidents: Yes
Why Choose United India Health Insurance?
- Versatile and affordable health insurance plans for every need
- 24x7 customer support for easy claim settlement
- Over 5,000 network hospitals all over India
- Offers comprehensive coverage at affordable premiums
- Tax benefits under Section 80D of the Income Tax Act
Benefits of Choosing United India Health Insurance Plans
United India Health Insurance Company is known for creating flexible products that meet customer requirements. There are several benefits to choosing United India Health Insurance as your health insurance partner. Read below to know more:
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Affordable Plans
United India health insurance plans are cost-effective, making their policies accessible to even lower-income groups.
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Critical Illness Cover
The company has designed plans to cover many critical illnesses. These treatments are generally expensive. UNI Criticare by United India Medical Insurance provides coverage for up to 15 critical illnesses with a 90-day waiting period.
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Comprehensive Cover
The company offers all-inclusive policies, providing coverage for death, total disability, partial disability, and many illnesses. Plans like UNI Group Health Insurance Policy also cover loss of pay.
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Modern Treatment Cover
United India health insurance plans also cover many new treatment techniques, which can hasten the treatment process. For example, the United Super Top-Up Medicare Policy covers robotic treatment techniques.
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Customer Support
The company has an impressive 24x7 online help desk, and they can quickly address your concerns.
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Discounts
United India medical insurance provides many discounts for adding family members. The company also offers a No Claim Bonus for every claim-free year.
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Family Members Cover
Almost every plan of United India Health Insurance covers spouses and dependent children. Policyholders can even add parents-in-law, making their plans robust.
What is Covered by United India Health Insurance?
Pre and Post Hospitalization Expenses
United India Health Insurance offers coverage for pre and post-hospitalization expenses related to in-patient hospitalization.
AYUSH Treatments
Most United India Health Insurance plans have in-built alternative treatment cover, which you can utilize. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
Hospitalization Expenses
United India health insurance plans cover hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
Day Care Treatments
Many procedures do not require 24-hour hospitalization. A majority of United India health insurance plans are designed to cover daycare procedures for policyholders.
Domiciliary Hospitalization
On a doctor's recommendation, a policyholder can avail medical care in the comfort of their home. United India health insurance plans cover domiciliary hospitalization up to specified sub-limits.
What is Not Covered by United India Health Insurance?
Self-Inflicted Injuries
United India health policies will not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
United India Health Insurance plans do not cover any cosmetic surgeries or treatments.
Adventure Sports
United India Health Insurance plans will not cover hospitalizations or accidents caused by adventure sports.
Obesity and Weight Control Treatments
United India Health Insurance plans generally do not cover treatments related to obesity and weight management, such as bariatric surgeries.
Involvement in Illegal Activities
United India health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to illegal activities.
Waiting Periods in United India Health Insurance
The waiting period is the duration during which you must wait before making a claim. This waiting period applies from the date you buy the policy and lasts from 15 days to 4 years, depending on the specific policy.
United India Health Insurance generally includes the following waiting periods:
Initial Waiting Period
This waiting period applies for the first 30 days from the policy commencement. You cannot file a claim except for emergency hospitalization due to an accident.
Pre-existing Disease Waiting Period
As per IRDAI, pre-existing diseases are conditions diagnosed 48 months before you buy a health insurance plan. Diseases like diabetes, thyroid, and hypertension may have waiting periods.
Specific Diseases Waiting Period
This waiting period applies to specific diseases such as cataracts, ENT disorders, joint replacement surgery, and mental illness. The waiting period for these diseases can be up to 24 months, depending on the plan type.
Maternity Benefit Waiting Period
Maternity benefits typically begin after a waiting period of 1 to 4 years from policy purchase. This varies by policy, so plan your family accordingly.
Mental Illness Waiting Period
Many policies today provide coverage for mental illness, but claims can be availed after a specific waiting period, usually 1 to 4 years.
United India Health Insurance Plan Buying Process
If you are looking to purchase United India Health Insurance online, follow these simple steps:
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Step 1
Visit the PolicyX health insurance page and enter your details such as name, age, number of members to be covered, and city.
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Step 2
Click on 'Get free quotes' and compare United India Health Insurance plans as per your needs.
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Step 3
Select and pay premiums online for your chosen United India health insurance plan.
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Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries after purchasing your United India Health Insurance plan.
Documents Required for United India Health Policy Claim Settlement
Submit the following documents when filing for United India health claims:
- Duly completed and signed original claim form
- Valid photo ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic test reports, radiology reports, and payment receipts
- Indoor case papers
- First Information Report (FIR) and final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
How to Calculate United India Health Insurance Policy Premiums?
Compare and calculate United India Health Insurance policy premiums using the PolicyX premium calculator with these simple steps:
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Step 1
Visit the official website of PolicyX.
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Step 2
Fill in details such as name, number of family members to be covered, city, and other required information.
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Step 3
Click on 'Get Quotes'.
For United India health insurance policy premium inquiries, connect with PolicyX health insurance experts at 1800-4200-269.
United India Health Insurance Plan Claim Process Steps
You can file for cashless as well as reimbursement claims for your United India Health Insurance plans by following these easy steps:
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Step 1
Visit the United India Health Insurance website, select the "Claim" option, then click on "Claim Intimation" to access the form.
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Step 2
Select "health claim" and provide the required information, including policy number, date of birth, and other requested details.
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Step 3
Select the "claim type" (cashless or reimbursement). Click 'Authorize' to receive an OTP on your verified number.
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Step 4
Verify with the OTP and fill in the required hospital admission information. Select the hospital, and provide hospital details if it's a non-network hospital.
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Step 5
Upload the requested documents and click the "Review" button.
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Step 6
After reviewing, submit the intimation for the company to review. You will receive a claim intimation number, which you should note down for future reference.
United India Health Insurance Renewal Process
Follow these steps for United India Health Insurance policy renewal:
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Step 1
Visit the official website of United India Health Insurance Company.
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Step 2
Click on the 'Renew' tab.
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Step 3
Enter your 'Policy Number' and 'Date of Birth'.
Connect with our insurance experts for United India health insurance policy renewal at 1800-4200-269.
How to Port to United India Health Insurance?
To port your existing policy to United India Health Insurance, follow these steps:
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Step 1
Fill out the portability form and send the application to United India Health Insurance Company at least 45 days before your existing health plan's renewal date.
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Step 2
As per IRDAI guidelines, the new insurance company will cross-check your medical and claims history with the previous insurer within 7 days of receiving the portability form.
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Step 3
Once the policyholder's details are verified, the new insurance company must communicate its decision (approval or rejection) within 15 days.
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