United Group Health Insurance Policy

The popularity of group health insurance such as United Group Health Insurance Policy cannot be discounted because of its inherent advantages. The United Group Health Insurance Policy delivers group coverage under individual and floater sum insured basis. The United Group Health Insurance Policy provides all the usual coverage with variations to suit the group preferences with added flexibility to tailor and enhance the cover.

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  • Employee, spouse & kids

  • Employee only

United Group Health Insurance Policy: Key Highlights

Type Group Policy
Tenure 1 year
Exceptional Coverage Mental Illness Cover
Initial Waiting Period 30 days
Pre-existing Illness Cover After 48 months
Group health insurance

Coverage Offered

The base coverage in the United Group Health Insurance Policy spans the customary hospitalization and alternative and modern forms of treatment.

  • In-patient Hospitalization:The cover is extensive for all medical expenses incurred during the hospital stay, which should be a minimum of 24 hours.
  • Pre and Post Hospitalization Expenses: The insurer indemnity is available for all medical expenses for 30 and 60 days, respectively.
  • Alternative Treatment: The insured is free to seek AYUSH Treatment as the policy fully covers it.
  • Daycare Treatment: The cost of procedures and surgeries are undertaken in a hospital consuming less than 24 hours are covered in the policy.
  • Donor Expenses: The cover extends to the cost of organ harvesting and where the insured is the recipient.
  • Mental Illness Cover: In-patient treatment expenses are covered up to a defined limit.

Inclusions of the Plan

There are ample reasons to buy United Group Health Insurance Policy for its great features of covering every facet of quality healthcare.

  • Ambulance Charges: The policy indemnity for emergency evacuation of the insured is 0.5% of the sum insured up to Rs 2500 per event, or 1% of the sum insured up to Rs 5000 per policy period. 
  • Health Check-up: The Insurer reimburses the cost of Health Check-up in a block of every three claim-free years.
  • Optional Covers:
    • Maternity Expenses Cover
    • Newborn Baby Cover
    • Restoration of Benefit Insured
    • Daily Hospital Cash Allowance

Exclusions of the Plan

The insured needs to be aware of the existing exclusions in the policy to have a better understanding of the insurance cover.

  • General Exclusions:
    • First 30 days: The Insurer shall not pay for any illness claim, other than accidental injury, raised in the first 30 days of policy inception.
    • Specific: The policy does not pay the treatment cost of specifically listed ailments for 24/48 months.
    • Pre-existing Diseases: The cover for Pre-existing Diseases commences after serving the 48 months waiting period.
  • Permanent Exclusions: The insured must consult the policy bond to get detailed information on the conditions and situations not covered.

Features & Benefits of the United Group Health Insurance Policy

The features and benefits can be checked for Online United Group Health Insurance Policy:

  • Sum Insured: The policy offers a minimum of Rs 3 Lakh and a maximum Rs 25 Lakh.
  • Policy Term: The usual policy term is one year with lifelong renewability.
  • Accommodation Limits:
    • Room Rent:
    • Sum insured below Rs 5 Lakh: 1% of the sum insured.
    • Sum Insured over Rs 5 Lakh: 1% of sum insured but single occupancy.
    • ICU Charges:
    • Sum insured below Rs.5 Lakhs: 2% of the sum insured.
    • Sum Insured over Rs.5 Lakh: Actual.
  • Tax Benefit: The premium paid in the United Group Health Insurance Policy is entitled to tax exemption as per prevailing tax laws.
Employee health insurance

Eligibility Criteria

To avail this policy, the following eligibility criteria have to be fulfilled:

Minimum Entry Age Child: 91 days (provided parents are covered)
Adult: 18 years
Maximum Entry Age Child: 26 years (Family Floater)
Adult: 65  years
The Number of people covered: Individual
Residential Status Indian Citizens & Residents

Cancellation Policy 

The insured can terminate the policy. Towards this effect, the Insured needs to send a written 15-days' notice to the Insurer and receive a refund as per insurer rules.

Likewise, the Insurer can terminate the policy by sending a 15-day notice to the Insured. This happens in the case of misrepresentation or concealment of information by the Insured or on the grounds of moral hazards or non-cooperation.


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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Policybazaar for Business - Group Health Insurance - Customer Reviews
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Based on 189 reviews
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Based on 189 reviews
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3.8 April 09, 2023
Excellent Support
It was easy to buy insurance from PolicyBazaar website and customer support was also amazing to clear all the doubts.Thankyou. Highly worth it.
4.3 April 01, 2023
Necessary Investment
It is a good and necessary investment. Thanks PB.
4.3 March 24, 2023
Provides Satisfactory Results
I purchased Group health insurance at policybazaar recently and i am so much satisfied with the plan. The application process was smooth and efficient, making the typically tedious task of getting insurance surprisingly hassle-free.Thanks PB.
3.8 March 16, 2023
Helpful In Making Decisions
When it came to selcting the right Group Health Insurance, Policybazaar offered an impressive range of options from reputable insurers. I appreciated the comprehensive details avalable for each policy which helped me to take the better decisions. Thankyou.
4.3 March 15, 2023
Increases Clients Expectations
I recently had the pleasure of securing a Group Health Insurance policy throug PolicyBazaar and I must say the Entire process exceeded my expectations! From start to finish, their service werw great. Thankyou.
3.8 March 02, 2023
Great Experience
I got great deals on PolicyBazaar website. Highly recommend.
4.3 February 17, 2023
Excellent Purchase
It was a excellent purchase at PolicyBazaaar. Thankyou team.
4.3 February 04, 2023
Prompt Services
Policybazaar's efficient claims process was impressive. In case of any medical emergencies, my employees were able to get their claims settled swiftly, allowing them to focus on their health and recovery without worrying about financial aspects.Thankyou
4.3 January 22, 2023
Budget Friendly Purchase
Thankyou PolicyBazaar for providing such a great plan at affordable premium rates. It was a budget-freindly purchase.
4.3 January 09, 2023
Multiple Range Of Benefits
I purchased Group health Insurance which offered me plans with affordable rates Thankyou PB.

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  • Disclaimers+

    *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.

    ^ The pre-existing diseases are only covered as per insurer T&Cs.

    #Tax Benefits are subject to changes in tax laws.The benefits mentioned are as per insurer T&Cs and are available with or without extra cost depending on the plan and insurer chosen .Therefore, to learn more about the benefits in detail, contact the HR department of your company or check the insurance policy documents.. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.Policybazaar is registered as a Composite Broker | Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2024, License category- Composite Broker.
    *Savings of 65% are based on the comparison between the highest and lowest premiums provided by different insurance companies for Rs 5 lakh cover for 50 employees falling in the age group ranging between 19-55 years with room rent limits of 1% and 2% of sum insured for normal and ICU rooms respectively and does not include PED and maternity coverage. Premium starting from
    +₹110/Employee/Month for ₹1 Lac Sum Insured covering Health & Wellness Needs (excluding GST), Premium may vary on the basis of coverage type & add-ons, All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
    By clicking on "View Plans Instantly" you agree to our Privacy Policy and Terms Of Use and also provide us a formal mandate to represent you to the insurer and communicate to you the grant of a cover.
    The details of insurance coverage, inclusions and exclusions are subject to change as per solutions offered by insurance providers. The content has been curated based on the general practices in the industry. Policybazaar is not responsible for the factual correctness of these details.

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