Benefits of United India Health Insurance

United India Insurance Company is one of the oldest health insurance companies in India. It offers a wide range of health plans that are designed to cover the insured against planned and emergency medical expenses. Besides, the company also ensures hassle-free documentation and a seamless claim processing system. Read on to know the benefits of United India Health Insurance plans.

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      Reasons to buy United India Health Insurance Plans:

      It is not a surprising fact that in this era of inflation, the medical inflation is advancing at a speed which does not seem to slow down. Life is uncertain and who knows, medical emergencies might just be next door. It is imperative to be fully prepared, lest such an event occurs. United India offers united health insurance plans that are designed to cater to the needs of the customers and thus helping them to be free from burdens of medical bills such as the cost of treatment, and bills of medicines.

      Listed below are some of the reasons to help understand why it is important to buy United India Health insurance:

      • The Mediclaim policy of United India insurance is designed to offer policyholders coverage against any illness, disease, or injury suffered during the period of the policy.
      • The range of healthcare insurance policies offered by United India insurance is fit for individuals from every walk of life.
      • United India health insurance offers free medical check-up after every 3 claim free policy years.
      • On every claim free policy year, policyholders can avail no claim bonus of 3%, up to a maximum of 15% of the sum insured.
      • In case of senior citizens, United India offers 20% co-pay on major illnesses.

      Plans Offered by United India Health Insurance

      1. Family Medicare
      2. Family Medicare 2014
      3. Gold
      4. Individual Mediclaim
      5. Platinum
      6. Senior citizen
      7. Super Topup
      8. Topup
      9. UNI Criticare
      10. Workmen Medicare Policy

      Features and Benefits of United Health Insurance

      United Health Insurance comes with a well-versed and well established set of features and benefits. The salient features and key benefits of United India Health Insurance are as follows:

      • No Claim Bonus: At the time of renewing the policy, policyholders are eligible to avail no claim bonus. United India insurance offers this discount on all the plans available.
      • Free Medical Check-up: United India offers its customers free medical check-up facility at regular intervals. Under these preventive healthcare check-ups, customers are offered complete health packages which entail tests such as HIV, scanning, overall blood picture, and other basic tests.
      • Comprehensive Medical Cover: Health insurance policies that are offered by United healthcare India provides complete coverage, including room rent, hospitalization charges, discount offers, ICU charges, OT charges, nursing expenses, blood, oxygen, etc. A wide range of add-on options is also provided. Post-hospitalization expenses are covered for 60 days.
      • Easy Online Purchase: Every insurance policy provided by United India Health Insurance is available online and can be purchased without hassles. Policies can also be renewed online, and customers can also file claims through the website.
      • Pre-hospitalization Cover: The costs incurred before hospitalization such as medical expenses, consultation charges, cost of lab tests, etc. can also be availed through the policy. These expenses can be covered up to a maximum period of 30 days.
      • Cashless Hospitalization: With a wide network of the cashless network hospitals, United India policyholders can avail quality health service; hassle-free. The only case of planned medical contingencies or medical treatment, can the claims for cashless claim services be made.
      • Ambulance Fee: Transportation charges from the point of emergency to hospitals are also covered under the United India health insurance policies. Any charge incurred in favour of ambulance travel is reimbursed under the policy.
      • 24/7 Customer Assistance: Customers are offered 24/7 customer support services related to purchases, renewals, claims, etc. Customers can reach out to the customer care team at any time during an emergency.
      • Ayush Treatment: Under the United India health insurance plans, Ayush Treatment is also covered, when the patients are taken to government hospitals or government approved medical facilities.
      • Organ Donors: Hospitalization charges for organs donors are covered under the policies offered by United India insurance.
      • Tax Benefits: Under the section 80D of the Income Tax Act, the premiums paid under the policy are eligible for tax benefits.

      Wrapping it up!

      Before buying United India Health Insurance policy, one must take the aforementioned benefits and features into consideration to make a wise and well-informed decision. United Healthcare India aims at providing the best and suitable insurance products for their customers. The company has several tailor-made and customized health plans for different set of customers. Also, an insurance seeker must use United India Health Insurance premium calculator to get an idea of the premium before buying a plan.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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