United India Health Insurance
United India health insurance company provides tailor-made health policies that cover basic to advanced healthcare expenses. Moreover, it offers speci...Read More
Network hospitals
14000+
Incurred claim ratio
89.57%
Sum insured
Up to 95 Lakh
No. of Plans
1
Solvency Ratio
0.2
Pan India Presence
1537+
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 (2021-22) | 97.25% |
| Ambulance Expenses | Covered |
| Coverage for Accidents | Yes |
United India Health Insurance Detailed Review
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 - Minimum: 18 years Maximum: 65 years
Sum Insured - Up to 25 LRs. 4467
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 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
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
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United India Health Insurance
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.
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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