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:

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:

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

   	Platinum	Gold	Senior Citizen
   Entry Age	18-35 years	36-60 years	61-65 years
   Sum Insured	Rs. 2 Lakhs to Rs. 20 Lakhs	Rs. 2 Lakhs to Rs. 10 Lakhs	Rs. 2 Lakhs to Rs. 5 Lakhs
   Policy Tenure	1 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 Expenses	All daycare treatments as per standard definition
   Pre-Hospitalisation Expenses	Covered, up to 30 days
   Post-Hospitalisation Expenses	Covered, up to 60 days
   Domiciliary Hospitalisation	Covered
   Dental treatment	Covered if necessitated due to injury
   Plastic surgery	Covered if necessitated due to disease or injury
   Ayurvedic Treatment	Covered
   Modern Treatment Methods & Advancement in Technologies	Uterine 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 Age	Adults: 18 years to 65 years Dependent children: 91 days to 18 years
   Sum Insured	Rs 3 Lakhs to Rs 25 Lakhs
   Policy Tenure	1 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 Expenses	Room, 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 Expenses	Covered up to 10% of Sum Insured subject to a maximum of Rs. 50,000/- per eye
   Mental Illnesses Covered	Schizophrenia Bipolar Affective Disorders Depression Obsessive-Compulsive Disorders Psychosis
   Pre-Hospitalization Expenses	Covered, up to 30 days
   Post-Hospitalization Expenses	Covered, up to 60 days
   Donor Expenses Cover	Covered
   Domiciliary Hospitalisation	Covered
   Ayurvedic/Homeopathic/Unani treatment	Covered
   Road Ambulance Cover	Covered up to 1% of the Sum Insured subject to a maximum of Rs. 5000 per policy period
   Modern Treatment Methods & Advancement in Technologies	Uterine 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 Age	For Adults: 18 years to 80 years For dependent children: 3 months to 18 years
   Sum Insured	Rs 3 Lakhs to Rs. 15 Lakhs
   Policy Tenure	1 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 Age	21 years to 65 years
   Sum Insured	Rs. 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 Cover	Mother Care Cover	Pre and Post Natal Care Cover	Maternity Expenses Cover
   Dental Expenses Cover	New Born Baby Cover	Per-Claim Deductible	Out-Patient Treatment Cover
   Vision Expenses Cover	'Loss of Pay' Cover	Air Ambulance Cover	Infertility Treatment Cover
   Home Nursing Charges Cover	Ultra-Modern Treatment Cover	Emergency Evacuation Cover	Domiciliary Hospitalisation Exclusion Cover
   External Congenital Disease Cover	Medical Equipment Cover	OPD Physiotherapy Charges Cover	Remote Medical Second Opinion Cover
   Adventure Sports Cover	Birth Control Procedure Cover	Annual Aggregate Deductible	Wellness Management Services Program
   Refractive Error Correction Expenses Cover	In-patient Hospitalization Cover for AYUSH	Corporate Buffer	Coverage Continuity in case of Loss of Employment
   Waiver of Proportionate Clause	Enhanced Accidental Hospitalization Cover	Corporate Buffer for Critical/Named Illness only	Wellness Management Services Program
   Sub Limit on Treatment/ Illness Surgery/Medical Condition	Voluntary Co-Payment for In-patient Hospitalization	Hospital Daily Cash Benefit (HDCB) Cover	Disease 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 Age	18 years to 65 years
   Sum Insured	Rs. 1 Lakh, Rs.2 Lakhs, Rs.3 Lakhs, Rs.4 Lakhs, and Rs.5 Lakhs
   Minimum Group Size	7 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 Age	18 years to 65 years Dependent children: 3 months to 18 years
   Sum Insured	Rs. 1 Lakh to Rs. 5 Lakhs
   Policy Tenure	1 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 Age	18 years to 65 years
   Sum Insured	Rs.50,000 - 5,00,000
   Policy Period	3.5 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.

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

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

**Data from IRDAI Annual Reports

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

**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

**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)

**Data from IRDAI Annual Reports

We have summarized the above information in the table below:

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