The company, United India Health Insurance was incorporated on 8th February 1938. It offers a wide range of products like motor insurance, personal accident insurance, health insurance, household insurance, and much more. It was nationalized in 1972 and since then they have been offering policies for the wellbeing of the people. Their main agenda is to provide insurance protection to all.
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, 2, and 3 areas.
Some Interesting Facts About United India Health Insurance
The company was founded in 1938 but was nationalized in 1972.
Till now, they have grown to over 9000 workforce.
This workforce works across 1533 offices.
Their policies are tailored solutions for the customers.
Their innovative micro offices are present in more than 1000 tier 2 and tier 3 towns.
Some of the Awards and Achievements
Best Insurance Company in Implementing the Govt. Health Schemes
Best Digital Transformation Initiative Awards
Best Claims Service Provider
BFSI Silver for SKOCH Awards 2023
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United India Health Insurance
A Quick Outlook
Cashless Claim Settlement
24 hours
Minimum Entry Age
3 months
Maximum Entry Age
65 years
Sum Insured
Upto Rs. 95 Lakh
Network Hospital
More than 14000
Tax Benefits
Upto Rs. 1 Lakh
Solvency Ratio (2021-22)
0.82 %
Claim Settlement Ratio (2021-22)
97.25%
Ambulance Expenses
Covered
Coverage for Accidents
Yes
United India Health Insurance Plans
United India Health Insurance is the oldest company that offers customized health insurance plans and complete health covers.
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
Why Choose United India Health Insurance Plan?
United India health insurance company is famous for creating products that are flexible enough to meet the requirements of their customers. There are several benefits to choosing United India Health Insurance as your health insurance partner. Read below to know more-
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.
Know What is Covered- Inclusions
Illness and Injury Cover
If there is any requirement for hospitalization due to any illness or injury during the policy year, it will be covered by the policy.
Daycare Procedure
The health insurance policy by United India Insurance will cover daycare medical procedures or treatment along with doctor-recommended procedures or surgeries.
Ambulance Facility
With the United India Health Insurance policy, you will get the facility of an ambulance. So, do not worry if you are required to take medical facilities outside the city, then too you will be covered.
Pre-policy Check Up
A health check for 40 years and above or someone who is opting for SI of Rs 6 Lakh and above is included in the policy.
Maternity Coverage
United India Insurance Company understands the value of beautiful moments in your life. Thus, they offer maternity cover as well.
Daily Cash Allowance on Hospitalization
The policy allows you to get a daily cash allowance up to the sum insured. This way you can make sure that you can make your daily expenses.
AYUSH Treatment
The policy allows you to get traditional treatments such as Ayurveda, Yunani, Homeopathic, and much more.
What is not Covered?- Exclusions
Pre-Existing Diseases
Congenital External Diseases, Defects or anomalies.
Sterility and Infertility
Maternity Expenses
Unproven Treatments
Change-of- Gender treatments
Cosmetic or Plastic Surgery
Waiting Period in United India Health Insurance
The waiting period is the duration in which you have to wait before making the claim. This waiting period applies from the date you buy the policy and lasts up to 15 days to 4 years depending upon policy to policy.
United India Health Insurance generally adds the following waiting periods:
Initial Waiting Period
This waiting period is experienced in the first 30 days from the policy commencements. You cannot file for a claim except for emergency hospitalization due to an accident.
Pre-existing disease waiting period
As per IRDAI, pre-existing diseases are diseases that are diagnosed 48 months before you buy a health insurance plan. Diseases like diabetes, thyroid, hypertension, etc are some of the diseases in which waiting periods might occur.
Specific Diseases Waiting Period
This type of waiting period occurs for a few diseases like cataracts, ENT disorders, joint replacement surgery, mental illness, etc. The waiting period for these diseases can be up to 24 months depending on the type of plan you choose.
Maternity Benefit Waiting Period
Maternity benefits usually start after 1 to 4 years of waiting period after buying health insurance. However, it depends upon the policy. So, you need to plan your family accordingly.
Mental Illness Waiting Period
Today, many policies provide coverage for mental illness but you can avail claim after a specific time. Usually, the waiting period for mental illness coverage is 1 to 4 years.
Factors to Consider While Buying A Health Insurance Policy
Choosing a health insurance plan can be stressful and confusing for most people. But you need to have a clear idea of what a certain plan is offering and what are the things they are covering. Once you are positive about the plan benefits, it becomes easier to make correct decisions. Let's check out some of the vital factors that you should consider before buying a health insurance policy:
Individual or Family Floater Plan
When choosing a plan your first step is to check whether your requirement is for yourself or your family. Most of the time family floater plans benefit those who want to secure their family as it is cheaper than the individual one.
Cover Amount
We all know that with growing inflation, medical expenses are also increasing day by day. Therefore, having health insurance will help hugely to meet the expenses. In this, it is also necessary to choose a policy that offers maximum coverage amount for your health claims.
Co-Payment Clause
Every policy has some clauses you need to follow and a co-payment clause is one of those. This means that for every claim you make, you have to bear a certain percentage of the claim amount. So, you must check how much clause your policy is putting in.
Hospital Network
Always check the list of hospitals included in your policy. Remember the kinds of medical facilities you might need in the future.
Waiting Period
Look for the period you need to wait before claiming the reimbursement. Some policies put a waiting period on critical illness as well, you need to check for that too.
Lifetime Renewal
You may need healthcare when you grow old. So, look for a policy that provides lifetime renewal options.
Compare the Premiums
You should always choose the premium after comparing more than two policies. This thoughtful action will prevent you from paying a higher amount for lesser claims and vice versa.
Why Choose Online Procedure to Buy Health Insurance Policy?
Getting a medical insurance policy online from PolicyX or directly from the company is full of benefits. Read below to know more:
Easy to Compare
Online platforms give access to compare different United India Health plans at the same place. You can pick the right one for you while comparing the premiums.
Buying Insurance within 5 minutes
At an online platform, you can choose and buy your policy within 5 minutes, without any extra hustle.
24*7 Customer Service
The experts are always at your service. No matter what the time is, you can contact them any time to clear your doubts.
Instant Quote
With online accessibility, you can get quotations with just one click. You can collect several quotes and choose the right one for you.
Benefits of Purchasing Health Insurance at an Early Age
Have to create this very attractive, as this section is for youngsters, so I suggest adding images with pointers
Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at an early age is beneficial.
Your premiums will be less at an early age.
At an early age, a continuous cover with renewals will help you to go out with the waiting period.
No medical test is required if you purchase health insurance at an early age.
You can avail a no-claim bonus for every claim-free year.
You do not need to share your medical bills as the co-payment is not applicable in this case.
How to Buy a United India Health Insurance Plan?
Steps to buy from United India Website
Visit the company's website and click on the 'Health Insurance' tab.
Out of both the plans, select the one that suits your requirement, and click on 'Get Quote'.
Fill up the mandatory details and click on 'Get Quote'.
Once done, the premium details will be displayed in front of you.
Make the online payment and the policy document will be shared on your registered email address.
Steps to buy from PolicyX.com
Go to the top of this page and fill out the form 'Get United India Health Plan Quotes Online.
Fill in your income and city details.
The quotes page of different insurers with all the details will be displayed in front of you. Choose 'United India Health Plan' and click on 'Buy this plan'.
Proceed to do the payment.
On successful completion, a confirmation receipt will be received in your registered email id.
If for some reason you fail to buy from United India, contact (1800-4200-269) the experts of PolicyX.com. They will help you out for sure.
How to Renew Health Insurance Policy?
To avail of the continuity of the benefits, you need to renew your United India health insurance policy on time. In the below content, you will get some simple steps on how to renew your health insurance policy.
Step-1
Visit the official website of United India Health Insurance.
Step-2
On the top of the Landing Page, you need to click 'Insta Renew'.
Step-3
Check out the policy details and click on the payment section. It will redirect you to the payment page.
Step-4
You can use any payment method and after completing payment, you will receive the renewed policy details on your registered mobile number as well as your email address.
How to Claim?
To file a claim you need to follow the below steps. United India Health Insurance Company offers the easiest way to file a claim.
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.
Claim Process
Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.
Documents required while filing the claim
Duly completed and signed claim form, in original
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 the pharmacy
Original pathological/diagnostic tests reports/radiology reports and payment receipts
Indoor case papers
Valid photo-ID proof
First Information Report, 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 the Premiums?
You can calculate your health insurance premiums online at PolicyX very easily. Our health insurance premium calculator is a tool that is designed to enable potential buyers to estimate the premiums that they need to pay, monthly, quarterly, or annually.
Choose Policyx for all your United India Insurance Queries. We are:
IRDAI Approved: The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. PolicyX.com follows all the guidelines and protocols approved by the IRDAI.
Free Comparison Service: With PolicyX.com, you can easily compare the best Health Plans in India without paying any extra amount.
Compare 15 Companies in 30 Seconds: With us, you can compare up to 15 companies in just a few seconds.
Buy Insurance within 5 mins: With PolicyX.com, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any trouble.
24*7 Customer Service: The experts of PolicyX.com are always available to resolve any of your insurance-related queries.
Free Future Claim Assistance: Our team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.
Contact Details
United India Health Insurance Company is a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time. For a branch-wise contact detail, you can read more about United India Health Insurance Customer Care.
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
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