Buy United India Health Insurance | Compare & Get Online Discounts

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Updated on Jul 09, 2025 8 min read

United India Health Insurance Company

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.

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	Upto Rs. 95 Lakh
Network Hospital	More than 14000
Tax Benefits	Upto Rs. 1 Lakh
Solvency Ratio (2021-22)	0.82 %
Claim Settlement Ratio (2023-24)	91.90
Ambulance Expenses	Covered
Coverage for Accidents	Yes

United India Health Insurance Detailed Review

Why Do We Exist?

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Best Selling United India Health Insurance Plans

Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family

Individual and Family Health Insurance

United India Health Insurance Plans	Eligibility	Approximate Annual Premiums
United India Family Medicare	Entry Age - Sum Insured - Up to 0	Rs.

Key Features Of United India Health Insurance

Let us take a look at some unique features of top-selling United India Health Insurance policies:

For Individual and Family Health Insurance

United India Family Medicare

United India Family Medicare

United India Insurance Family Medicare Policy comprises of healthcare benefits such as in-patient hospitalization, daycare treatment, organ donor expenses, and so on.

Why Do We Recommend This?

Avail of daily cash allowance
Maternity and newborn baby cover
Sum insured restoration benefit

Explore other United India Health Insurance

To cater to the different medical needs of an individual & their family, United India Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to United India Health Insurance plans explore more:

Individual and Family Health Insurance

United India Family Medicare

A cost-effective insurance option is the United India Insurance Family Medicare Policy. Anybody between 18 and 65 can get this insurance for themselve...

Unique Features

High SI
Optional Covers
ICU Cover

United India Family Medicare (Pros)

In-patient hospitalization
Day-care treatments
Pre & post-hospitalization
AYUSH treatment

United India Family Medicare (Cons)

Vaccination unavailable
OPD cover
Domiciliary hospitalization
Global coverage

United India Family Medicare (Other Benefits)

Organ donor
Maternity & newborn baby cover
Daily hospital cash
Sum Insured restoration

United India Family Medicare (Eligibility Criteria)

Entry age: Min. 18 yrs/ Max. 65 yrs
SI: 3 to 25 Lakhs
Initial waiting period: 30 Days
Policy term: 1 year

Why Choose United India?

Versatile and affordable health insurance plans for every need
24X7 customer support for easy claim settlement
Over 5000 network hospitals all over India
Offers comprehensive coverage at affordable premiums
Tax benefits under Section 80D of the Income Tax Act

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-day 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, the 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.

What is Covered?

Pre and Post Hospitalization Expenses

United India Health Insurance offers you the 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 to your benefit. AYUSH treatment include Ayurveda, Unani, Siddha, and Homeopathy treatments.

Hospitalization Expenses

United India health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.

Day Care Treatments

Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the United India health insurance plans are designed to cover daycare procedures for policyholders.

Domiciliary Hospitalization

On a doctor’s recommendation, a policyholder can avail of 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?

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 kinds of cosmetic surgeries or treatments.

Adventure Sports

United India Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.

Obesity or Weight Control Treatments

United India Health Insurance plans mostly 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 unlawful activities.

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.

United India Health Insurance Plans Buying Process

If you are looking forward to purchasing United India Health insurance online follow the simple steps below:

Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Step 2
Click on 'Get free quotes' and compare United India Health Insurance Plans as per your needs.
Step 3
Select and pay premiums online for the purchased United India health insurance plan of your choice.
Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your United India Health Insurance plan.

United India Health Insurance Renewal Process

Follow the steps for United India Health Insurance policy renewal

Step 1
Visit the official website of United India Health Insurance Company
Step 2
Click on the ‘Renew’ tab
Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’

Connect with our insurance experts for United India health insurance policy renewal 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:

Step 1
Visit the website of United India Health Insurance, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.
Step 2
Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.
Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
Step 5
Upload the documents asked and click on the "review" button.
Step 6
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.

Documents Required For United India Health Policy Claim Settlement

Submit the following documents when filing for United India health claims:

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 pharmacy/chemists
Original pathological/diagnostic tests reports/radiology reports and payment receipts
Indoor case papers
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 Port To United India Health Insurance?

To port your existing policy to United India Health Insurance, follow the steps mentioned below:

Step 1
Fill out the portability form, and send the application to United India Health Insurance Company 45 days before the date of your existing health plan renewal.
Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.

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More Queries?

If you have any more queries regarding Plans, Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269 now!

Explore United India Health Insurance

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 diseases?

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 the United India Insurance Mediclaim Policy?

Freelook period is a period wherein a policyholder can cancel their policy without levying any penalties. Policies offered by 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 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 inbuilt maternity benefits. However, you can avail of maternity coverage as an optional coverage.

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United India Health Insurance

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United India Health Insurance Company

What does United India Health Insurance do?

Some Interesting Facts About United India Health Insurance

United India health insurance awards and accolades

A Quick Outlook

United India Health Insurance Detailed Review

Why Do We Exist?

Compare

Compare

Best Selling United India Health Insurance Plans

Individual and Family Health Insurance

Key Features Of United India Health Insurance

For Individual and Family Health Insurance

Why Do We Recommend This?

Explore other United India Health Insurance

United India Family Medicare (Pros)

United India Family Medicare (Cons)

United India Family Medicare (Other Benefits)

United India Family Medicare (Eligibility Criteria)

Recommended Videos

Why Choose United India?

Why Choose United India Health Insurance Plan?

Affordable Plans

Critical Illness Cover

Comprehensive Cover

Modern Treatment Cover

Customer Support

Discount

Family Members Cover

What is Covered?

Pre and Post Hospitalization Expenses

AYUSH Treatments

Hospitalization Expenses

Day Care Treatments

Domiciliary Hospitalization

What is not Covered?

Self Inflicted Injuries

Cosmetic Procedures

Adventure Sports

Obesity or Weight Control Treatments

Involvement In Illegal Activities

Waiting Period in United India Health Insurance

Initial Waiting Period

Pre-existing Disease Waiting Period

Specific Diseases Waiting Period

Maternity Benefit Waiting Period

Mental Illness Waiting Period

United India Health Insurance Plans Buying Process

United India Health Insurance Renewal Process

United India Health Insurance Plan Claim Process Steps

Documents Required For United India Health Policy Claim Settlement

How To Port To United India Health Insurance?

How To Calculate United India Health Insurance Policy Premiums?

Health Insurance Premium Calculator

More Queries?

Explore United India Health Insurance

United India Health Insurance: FAQs

1. Can I include my family members in the midterm of my Individual Health Insurance Policy?

2. Can I port my United India Arogya Sanjeevani Insurance policy?

3. What would happen if I forgot to renew my United India health insurance policy on time?

4. Is there any limit on filing claims under United India Health Insurance?

5. Does the United Shramik Seva Policy offer coverage against pre-existing diseases?

6. Is a medical checkup necessary for investing in United India Health Insurance?

7. What is a Free Look period, and what is its duration under the United India Insurance Mediclaim Policy?

8. Will I be eligible for tax benefits if I purchase a United India Insurance health insurance policy?

9. Is there any special plan designed especially for senior citizens under the United India Insurance Mediclaim?

10. Does the United India Insurance policy cover COVID-19?

11. What is the best time to renew my United India Health Insurance policy?

12. What are the available online payment modes for buying or renewing the policy?

13. Is there any maternity-specific health insurance plan under United India Health Insurance Company?

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