Union Bank Health Insurance

Union Bank Health Insurance refers to medical insurance offered by the Union Bank of India to its account holders. It offers mediclaim plans to meet the specific healthcare needs and requirements of its customers. However, these offered health plans are valid only until the bank maintains its partnership with the associated insurance companies in India and the customer holds an active Union Bank account.

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      Union Bank Health Insurance: Key Highlights

      Categories Specifications
      Pre-existing Diseases Coverage is offered from day 1
      Validity of Union Bank health insurance plans 1. Valid until the Union Bank has a tie-up with insurance companies
      2. Valid until the customer has an active Union Bank account
      Riders Mostly not available
      Premium Payment Automatically deducted from the customer's bank account
      Tax Benefits Available under Section 80D of the Income Tax Act

      Disclaimer: PED waiting period may vary depending on the terms and conditions of the Union Bank of India health insurance policy.

      Benefits of Union Bank Health Insurance

      Check out the benefits of Union Bank health insurance for account holders:

      1. Affordable Premiums

        Health insurance plans offered by the Union Bank of India usually come at lower costs in comparison to regular health policies. This is because the bank works directly with insurers, reducing the Union Bank health insurance premium amount. Moreover, special bank deals from time to time may make these plans even more affordable.

      2. Easy Premium Payments

        The premium of a Union Bank health insurance plans is automatically deducted from the linked Union Bank account, helping customers to avoid late payments and keep their policy running.

      3. Coverage for Pre-existing Diseases from Day 1

        The Union Bank of India health insurance plans may cover pre-existing diseases (PED) from day 1, which is not the case in many regular mediclaim policies. Generally, retail health plans come with a PED waiting period of up to 3 years.

      4. No Need for Agents

        The Union Bank health policy can be bought and managed directly through the bank. This means that customers are not required to deal with agents or third-party intermediaries.

      5. Suitable for Everyone

        From family health insurance plans to health insurance for senior citizens, Union Bank of India offers medical insurance plans for everyone with comprehensive medicare protection.

      6. Convenience

        By combining banking and health insurance, the Union Bank of India makes it convenient for customers to manage both finances and health coverage on a single platform.

      List of Plans Offered by Union Bank Health Insurance

      Take a look at the mediclaim policies offered by Union Bank of India:

      Union Bank Health Insurance Plans Sum Insured Ideal For
      Care Health Insurance Plan ₹5 lakh to ₹75 lakh Individuals/Families
      Care Advantage Health Insurance Plan ₹25 lakh to ₹6 crore Individuals/Families
      Care Enhance Health Insurance Plan ₹1 lakh to ₹55 lakh Super Top-up

      Note: The above Union Bank of India health insurance plans are as of May 09, 2025. Union Bank customers can contact the bank to find out about the available ManipalCigna health insurance plan.

      What is Covered by Union Bank Health Insurance?

      Here are the medical expenses covered by Union Bank health insurance:

      Note: The exact coverage may vary from one Union Bank health insurance plan to another.

      What is Not Covered by Union Bank Health Insurance?

      The following expenses are not covered by Union Bank health insurance:

      • Suicide or self-inflicted injuries
      • Obesity treatments
      • Treatment for addiction of drugs and alcohol
      • Plastic/cosmetic surgery
      • Dietary substances and supplements
      • Treatment for injuries due to dangerous or adventure sports
      • Congenital external diseases
      • Treatment for injuries due to participation in illegal activities
      • Unproven treatments
      • Change of gender treatments

      Things to Keep in Mind While Buying a Union Bank Health Insurance Plan

      Before opting for a Union Bank health insurance policy, it is important to keep the following things in mind:

      • Plan Validity: The Union Bank health plan stays active only as long as the linked Union Bank account is operational and the partnership between the bank and the insurance company continues.
      • Insurer Options: Union Bank health insurance plans are usually offered through selected insurance providers, which means there may be fewer options to choose from compared to regular medical insurance plans.
      • Scope of Coverage: The health insurance coverage may be limited under bank health insurance vs personal retail health insurance.
      • Riders: Health insurance riders which are commonly available with many regular health policies may not be available with Union Bank health insurance plans.

      Union Bank Health Insurance: FAQs

      • Q1. Does Union Bank have insurance?

        Ans: Yes, the Union Bank of India offers health insurance plans to its account holders. However, the scheme remains valid as long as the bank has a tie-up with the insurer and the customer has an active Union Bank account.
      • Q2. Who is the insurance partner of Union Bank?

        Ans: The Care Health Insurance Company and the ManipalCigna Health Insurance Company are the health insurance partners of Union Bank.
      • Q3. What is the Union Bank health insurance cost?

        Ans: The Union Bank health insurance cost may vary from person to person, depending on factors like age, sum insured, location, etc. However, you can know the estimated cost by going through the Union Bank of India health insurance premium chart or by contacting customer care. In fact, you can check the premium price by using the health insurance premium calculator tool available on Policybazaar.com.
      • Q4. Where can I find the Union Bank health insurance hospital list?

        Ans: To find the Union Bank health insurance hospital list, you can either go to the official website of the bank or the insurer or contact their customer support team. You can also check the network hospital list of the associated insurer on Policybazaar.com.
      • Q5. What is the Union Bank health insurance contact number?

        Ans: The contact number of Union Bank health insurance is 1800 2333.
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *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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