United India Health Insurance
  • COVID-19 coverage available
  • 7000+ network hospitals available
  • Affordable health policies
United India Health Insurance
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United India Health Insurance

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

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 2500+ 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 2020-21, the United India has claim support of 96.94%. According to the IRDAI Annual Report of 2020-21, the solvency ratio of United India Health Insurance is 1.08.
  • 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.
  • 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 16,704.70 Crores.
United Health Insurance Key Features

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

United Family Medicare Policy

A family floater health insurance plan offering coverage of up to 25 Lacs to you, your spouse and 2 dependent children either on an Individual Sum Insured basis or on a floater basis.

Unique Features

  • Midterm Inclusion available
  • Modern Treatment Methods
  • Maternity & New Born Baby cover

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

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%

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 on hospitalisation
  • Home Care Treatment covered
  • Road ambulance up to 5K

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 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

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

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

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



Health Insurance Articles

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.

United India Insurance Reviews

Read what our customers have to say about United India health insurance company.

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Depender mertya


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.

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Sumeet Sharma


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

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Salman saifi


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

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Hansa Shah


May 5, 2021

Very Good Health Insurance Company. Fully satisfied with the company. Will definitely give 10 on 10 to their services.

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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...

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Trisha chaudhary


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.

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Dilip Kumar


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.

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Ravi Kumar


August 31, 2021

Very good service. bought health insurance plan from United India Insurance. decent prices and provides cashless claim settlement too.

View All United India Health Insurance Reviews