United India Health Insurance

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About United India Health Insurance

United India Insurance Company has made its presence in more than 1000 tier II & III towns and villages through its micro offices.

With a motive to provide Insurance protection to all, the company offers a wide range of insurance products ranging from motor insurance, personal accident insurance, household insurance, health insurance, and many more. The company offers customized and affordable health insurance solutions, catering to every segment, age, and income profile.

Read along to find more about the plan:

Why Should You Buy United India Health Insurance?

With the availability of so many health insurance companies in the Indian Insurance market, choosing an ideal health insurance company becomes a tiresome task. With every company claiming to offer you the best, the decision solely lies upon your requirements. Getting confused can often lead you to choose the wrong policy, and can cause a lot of distress at the time of a medical emergency.

To help you out in the task of selecting an ideal health insurance company, we at PolicyX.com have jotted down some of the important factors about United India.

The company offers tailor-made health plans that look after your healthcare needs and allow you to concentrate on your treatment rather than worrying about the expenses.

Given are the key features of the company that will help you to decide whether to buy United India Health Insurance plans or not:

Key Features Of United India Insurance Company

Let's understand the key features of United India Insurance Company in detail:

1 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.

Have a look at the below graph that showcases the comparison of network hospitals with other insurers.

Network Hospitals of Top Insurance Companies

Network Hospitals of Top Insurance Companies

To search the nearest United India's network hospitals, check out the network hospital list offered by PolicyX.com for your convenience.

But what would happen if I couldn’t find a network hospital at the time of a medical emergency?

There is an option for reimbursement. You need to pay for your treatments and then can later file for reimbursement once discharged.

2 Solvency Ratio

The solvency ratio, another important factor that ensures whether the company is reliable or not. It 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.

Solvency Ratio of United India Health Insurance Company of FY 2019-20

Solvency Ratio of United India Health Insurance Company of FY 2019-20

**Data from IRDAI Annual Reports

Solvency Ratio of United India Insurance Company

Solvency Ratio of United India Insurance Company

**Data from IRDAI Annual Reports

3 Market Share

Market Share of the company showcases its overall growth in the past years lets the customer understand the company’s grip on the insurance market

Below given is the graph that showcases the trend of the past years,

Annual Gross Premium of United India Health Insurance from 2016-2020

Annual Gross Premium of United India Health Insurance from 2016-2020

**Data from IRDAI Annual Reports

4 Pan India Presence

United India Health Insurance offers a PAN India presence with 2272 offices.

5 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.

At present, United India has claim support of 89.18%. For your better understanding, see the graph:

Claim support (within 3 months) of United India Health Insurance for 2016-2020

Claim support (within 3 months) of United India Health Insurance for 2016-2020

**Data from IRDAI Annual Reports

Also, take a look at the below graph that showcases the claim support of the top 10 Insurance companies.

Comparison with Top Health Insurance Companies (based on Claim Support)

Comparison with Top Health Insurance Companies (based on Claim Support)

**Data from IRDAI Annual Reports

We have summarized the above information in the table below:

Network Hospitals2500+
Annual Gross Premium (2019-20)5.329.77 Crores
Claim Support (within 3 months)89.18
Solvency Ratio0.92
Number of Offices2272
Number of Claims Settled68,79,518

Types of United India Health Insurance Plans

United India Insurance company offers a wide range of health insurance products. Here is a list of all the 8 health plans offered by United India Health Insurance Company that will help you narrow down your selection:

United India Health PlansType Of PlanWho Should Buy
Individual Health Insurance PolicyIndividual Health PlanAny individual between the age group of 18-65 can buy this plan to secure their or their family's healthcare needs.
Family Medicare PolicyFamily Health InsuranceThis is an ideal plan for those who are willing to cover their entire family under a single sum insured.
United Health Super Top-up PolicySuper Top-Up InsuranceThis plan offers additional coverage to the policyholder if their basic sum insured is expired.
United Health Criticare PolicyCritical Illness PlanThe plan covers an individual from the listed critical illnesses and looks after their financial needs.
UNI Group Health Insurance PolicyGroup Health InsuranceThis is a group insurance policy that covers the entire group of a company, association, or organization.
United Shramik Seva Policy
Arogya SanjeevaniStandard health InsuranceThe plan is a standard health insurance policy that offers health insurance at an affordable price.
Corona Kavach PolicyCorona Specific PolicyA corona-specific policy that provides coverage against the expenses during the treatment of coronavirus.

Let's understand each plan in detail:

  1. Individual Health Insurance Policy

    Individual health insurance is a comprehensive health insurance policy that offers a cover of up to 20 lakhs. One has the option to cover his/her spouse, dependent children, and parents under this policy. With a wide range of coverage, the plan ensures to cover your and your family's every healthcare need. The plan is divided into 3 variants- platinum, gold, and senior citizens.

    Eligibility Criteria

    PlatinumGoldSenior Citizen
    Entry Age18-35 years36-60 years61-65 years
    Sum InsuredRs. 2 Lakhs to Rs. 20 LakhsRs. 2 Lakhs to Rs. 10 LakhsRs. 2 Lakhs to Rs. 5 Lakhs
    Policy Tenure1 year

    Features

    • The plan comes out with a helpful financial cover against hospitalization expenses. Such expenses include inpatient hospitalisation such as room, nursing costs (up to 1% of the chosen sum insured or actual expenses, whichever is less), ICU charges (up to 2% of the chosen sum insured or actual expenses, whichever is less), etc.
    • If the insured requires an organ transplant, the plan will cover for the same.
    • The plan offers two optional covers to the policyholder. The available optional covers are:
      • Daily Cash Allowance on Hospitalisation and
      • Road Ambulance Cover

    What Is Covered Under Individual Health Insurance Policy?

    Day Care ExpensesAll daycare treatments as per standard definition
    Pre-Hospitalisation ExpensesCovered, up to 30 days
    Post-Hospitalisation ExpensesCovered, up to 60 days
    Domiciliary HospitalisationCovered
    Dental treatmentCovered if necessitated due to injury
    Plastic surgeryCovered if necessitated due to disease or injury
    Ayurvedic TreatmentCovered
    Modern Treatment Methods & Advancement in TechnologiesUterine Artery Embolization & High Intensity Focussed Ultrasound (HIFU)
    Balloon Sinuplasty
    Deep Brain Stimulation
    Oral Chemotherapy
    Immunotherapy-Monoclonal Antibody to be given as an injection
    Intra vitreal Injections
    Robotic Surgeries (Including Robotic-AssistedSurgeries)
    Stereotactic Radio Surgeries
    Bronchial Thermoplasty
    The vaporization of the Prostate (Green laser treatment for holmium laser treatment)
    Intra Operative Neuro Monitoring (IONM)
    Stem Cell Therapy: Hematopoietic Stem Cells for bone marrow transplant for hematological conditions to be covered only
  2. Family Medicare Policy

    The plan offers the required financial cover to all family members under a single sum insured. Not only does the plan offer coverage for healthcare facilities but also provides a wide range of benefits. One can avail this health insurance for themselves and their family consisting of Self, Spouse and dependent children either on an Individual Sum Insured basis or on a floater basis.

    Eligibility Criteria

    Entry AgeAdults: 18 years to 65 years
    Dependent children: 91 days to 18 years
    Sum InsuredRs 3 Lakhs to Rs 25 Lakhs
    Policy Tenure1 year

    Features

    • No pre-acceptance medical test is required for up to 60 years.
    • The plan will cover hospitalization expenses in case of mental illnesses up to 25% of Sum Insured (subject to a maximum of Rs. 3,00,000 per policy year).
    • The plan offers four optional covers to the policyholder. The available optional covers are:
      • Restoration of Sum Insured
      • Maternity Expenses and New-Born Baby Cover
      • Daily Cash Allowance on Hospitalisation

    What Is Covered Under Family Health Insurance Policy?

    In-patient Hospitalisation ExpensesRoom, Boarding and Nursing expenses
    Intensive Care Unit (ICU)/ Intensive Cardiac Care Unit (ICCU)
    Cost of Medical Practitioner, Surgeon, Specialists, and anaesthetists
    Operation theatre charges
    Anaesthesia, Blood, Oxygen, Surgical Appliance, medicines and drugs, Cost of Artificial Limbs, and other similar medical expenses related to the treatment.
    Cataract Surgery ExpensesCovered up to 10% of Sum Insured subject to a maximum of Rs. 50,000/- per eye
    Mental Illnesses CoveredSchizophrenia
    Bipolar Affective Disorders
    Depression
    Obsessive-Compulsive Disorders
    Psychosis
    Pre-Hospitalization ExpensesCovered, up to 30 days
    Post-Hospitalization ExpensesCovered, up to 60 days
    Donor Expenses CoverCovered
    Domiciliary HospitalisationCovered
    Ayurvedic/Homeopathic/Unani treatmentCovered
    Road Ambulance CoverCovered up to 1% of the Sum Insured subject to a maximum of Rs. 5000 per policy period
    Modern Treatment Methods & Advancement in TechnologiesUterine Artery Embolization & High Intensity Focussed Ultrasound (HIFU)
    Balloon Sinuplasty
    Deep Brain Stimulation
    Oral Chemotherapy
    Immunotherapy-Monoclonal Antibody to be given as an injection
    Intra vitreal Injections
    Robotic Surgeries (Including Robotic-AssistedSurgeries)
    Stereotactic Radio Surgeries
    Bronchial Thermoplasty
    The vaporization of the Prostate (Green laser treatment for holmium laser treatment)
    Intra Operative Neuro Monitoring (IONM)
    Stem Cell Therapy: Hematopoietic Stem Cells for bone marrow transplant for hematological conditions to be covered only
  3. United Health Super Top-up Policy

    United Health Super Top-up Plan offers aggregate hospitalization expenses if the cover exceeds the threshold level up to the mentioned sum insured. The Policy provides cover on an Individual or Family Floater basis. Under an Individual Basis, a separate sum insured is provided for each insured person whereas, under a Family Floater basis, the sum insured limit is shared by the whole family.

    Eligibility Criteria

    Entry AgeFor Adults: 18 years to 80 years
    For dependent children: 3 months to 18 years
    Sum InsuredRs 3 Lakhs to Rs. 15 Lakhs
    Policy Tenure1 year

    Features

    • The plan offers coverage against boarding, nursing, and room expenses. It even covers expenses associated with the surgeon, specialist, medical practitioner, anaesthetist, consultant fees, anaesthetic, surgical appliances, oxygen, blood, drugs, operation theatre fees, and medicines.
    • The plan indemnifies the medical expenses incurred for inpatient care under the Ayurveda system of medicine in an AYUSH hospital/ AYUSH daycare center.
    • You can also get coverage for modern treatments like Robotic Surgery, Balloon Sinuplasty, Bronchial Thermoplasty, Deep Brain Stimulation, etc.
  4. United Health Criticare Policy

    United Health Criticare is a Critical Health Insurance plan that is exclusively designed for 11 listed critical illnesses, which are not liable to get the required coverage under a basic plan. The plan pays out a lump sum amount in case the insured is diagnosed with any of the listed critical illnesses.

    Illnesses covered under the plan are:

    Cancer of Specified SeverityFirst Heart Attack- of Specified SeverityCoronary Artery Surgery (CABG) Open Chest CABGHeart Valve ReplacementComa of Specified SeverityKidney FailureStroke Resulting in Permanent SymptomsMajor Organ / Bone Marrow TransplantMultiple SclerosisMotor Neurone Disease with Permanent SymptomsPermanent Paralysis of Limbs

    Eligibility Criteria

    Entry Age21 years to 65 years
    Sum InsuredRs. 1 Lakh, Rs.3 Lakhs, Rs.5 Lakhs, and Rs.10 Lakhs

    Features

    • The plan comes out with a waiting period of 90 days (from the commencement date of the policy) after which you will be liable to get the required cover.
    • There will be no exit age for continuous renewal without any break
  5. UNI Group Health Insurance Policy

    UNI Group Health Insurance Policy covers all the expenses associated with the treatment of the insured (mentioned by a medical practitioner). It's available on an Individual or Family Floater basis.

    Features

    • The plan provides coverage (up to the limit specified in the policy document) against medical expenses incurred against the policyholder's domiciliary hospitalization during the policy tenure.
    • Ambulance expense incurred on transportation of the insured to the hospital for emergency treatment is also covered under the policy.
    • The plan offers 36 optional covers to the policyholder. The available optional covers are:
    Critical Illness Benefit CoverMother Care CoverPre and Post Natal Care CoverMaternity Expenses Cover
    Dental Expenses CoverNew Born Baby CoverPer-Claim DeductibleOut-Patient Treatment Cover
    Vision Expenses Cover'Loss of Pay' CoverAir Ambulance CoverInfertility Treatment Cover
    Home Nursing Charges CoverUltra-Modern Treatment CoverEmergency Evacuation CoverDomiciliary Hospitalisation Exclusion Cover
    External Congenital Disease CoverMedical Equipment CoverOPD Physiotherapy Charges CoverRemote Medical Second Opinion Cover
    Adventure Sports CoverBirth Control Procedure CoverAnnual Aggregate DeductibleWellness Management Services Program
    Refractive Error Correction Expenses CoverIn-patient Hospitalization Cover for AYUSHCorporate BufferCoverage Continuity in case of Loss of Employment
    Waiver of Proportionate ClauseEnhanced Accidental Hospitalization CoverCorporate Buffer for Critical/Named Illness onlyWellness Management Services Program
    Sub Limit on Treatment/ Illness Surgery/Medical ConditionVoluntary Co-Payment for In-patient HospitalizationHospital Daily Cash Benefit (HDCB) CoverDisease Category Sub Limit
  6. United Shramik Seva Policy

    The United Shramik Seva Policy is a Group Health Product for Employer-Employee groups, that allows the employers to look after the health care needs of their employees working in offices, workplaces, etc.

    Eligibility Criteria

    Entry Age18 years to 65 years
    Sum InsuredRs. 1 Lakh, Rs.2 Lakhs, Rs.3 Lakhs, Rs.4 Lakhs, and Rs.5 Lakhs
    Minimum Group Size7 members

    Features

    • The plan grants coverage against room expenses, boarding expenses, nursing expenses (up to 1% of the sum insured per day). The plan will also cover specialist, practitioner, anaesthetist, or surgeon fees.
    • The plan will cover ambulance charges (maximum Rs.2,000/hospitalization) for carrying the policyholder from the spot of the accident to the hospital/nursing home.
    • The policy offers coverage (up to the limit of Rs.15,000) for the AYUSH Treatment in any AYUSH hospital.
    • Pre-hospitalisation (up to 30 days) and post-hospitalization (up to 60 days) expenses are taken care of by the policy.
  7. Arogya Sanjeevani

    United India Insurance offers the Arogya Sanjeevani plan, which is a well-designed policy that assists the insured financially in case of a medical emergency.

    Eligibility Criteria

    Entry Age18 years to 65 years
    Dependent children: 3 months to 18 years
    Sum InsuredRs. 1 Lakh to Rs. 5 Lakhs
    Policy Tenure1 year

    Features

    • The plan offers coverage for the expenses incurred during the time of pre and post-hospitalization (30 and 60 days respectively).
    • The plan covers the expenses incurred on AYUSH treatment up to the sum insured.
    • If the insured doesn't make any claims during the policy tenure, (s)he will be eligible to get a cumulative bonus with an increase of 5% (subject to a maximum of 50% of the sum insured).
  8. Corona Kavach Policy

    Corona Kavach Policy by United India offers coverage against the treatment of COVID-19 on an Individual or Family Floater basis. The plan comes with a wide range of benefits and allows the insured to get treated without worrying about the finances.

    Eligibility Criteria

    Entry Age18 years to 65 years
    Sum InsuredRs.50,000 - 5,00,000
    Policy Period3.5 months, 6.5 months, and 9.5 months

    Features

    • The plan gives complete financial coverage against home care treatment (up to 14 days) on the positive diagnosis of COVID-19 (at a government-authorized diagnostic center).
    • Pre and post hospitalization expenses (up to 15 and 30 days) are covered without any issues.
    • If the insured undergoes AYUSH treatment in any AYUSH hospital, the plan will cover for the same.

What Is Not Covered Under United India Health Insurance (Exclusions)?

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

To get a complete list of all the exclusions, refer to the policy brochure.

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.

What Is The Claim Process of United India Health Insurance?

It has come out with two different ways of claim settlement - Cashless and Reimbursement.

Cashless Claims

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.

  • 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.

Reimbursement Claims

Here you have to deal with all the medical bills associated with the treatment in the first space. Then after getting treated, you can easily file for the claim and can get the reimbursement. Let's look at the below procedure to avail reimbursement claims.

In case of emergency hospitalization, inform within 24 hours.

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

Head Office: United India Insurance Co. Ltd., #19, Nungambakkam High Road, IV Lane, Chennai - 600034

Ph. No.: 91-044-28575200

Email Id: customercare[at]uiic[dot]co[dot]in

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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.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.7/5 (11 Total Rating)

May 5, 2021

Hansa Shah

Rajkot

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

May 5, 2018

Pawan

Kochi

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 apply.They have good cashless options too.

May 5, 2021

Jai Kumar Bhandari

Chandigarh

Got my claim reimbursed today. The company understands the needs of its customers. Thanks to United India for helping me out in the time of need.

May 5, 2021

Aman Bhardwaaj

Jaipur

Have my whole family members covered under the company s plan. From senior citizens to critical illness cover the company offers a wide range of health insurance plans.

April 4, 2018

Ajay

Udaipur

I have my Platinum health insurance policy with United India Health Insurance. I have this health insurance since last 4 years, and happy with the services.

Last updated on July, 2021

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