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United India Health Insurance

United India Health Insurance

United India Insurance Company is one of the renowned General Insurers in India. The insurance provider offers customized health plans with various coverage benefits including hospitalization expenses as well as Ayush treatment cover. A policy holder can avail numerous health insurance benefits form United India insurance plans.

  • United India Insurance plans offer extensive coverage to you and your loved ones against major and minor illnesses, accidents, hospitalization expenses, and critical illnesses
  • Cashless treatment is provided in more than 7000 hospitals across India
  • United India Insurance follows a speedy and a hassle-free claim settlement procedure.
  • United India mediclaim policies can be easily purchased and renewed online

United India General Insurance is a merger of 22 companies and is headquartered in Chennai. It is known for its affordable and customized health insurance plans in the Indian insurance market. Furthermore, for its high claim paying ability United India Insurance has also been accredited by ICRA.

The health plans are tailor-made to offer the insured person peace of mind along with the best medical treatment possible. As we all know, medical issues are unpredictable and can be both emotionally and financially distressing. However, with a United India medical insurance policy, you can ensure financial support when an emergency strikes.


*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

United India Health Insurance at a Glance:

Key Features

Highlights

Network Hospitals

7000+

Incurred Claim Ratio

110.95

Renewability

Lifelong

Waiting Period

4 years

List of Health Insurance Plans Offered by United India Insurance

The company offers a number of health insurance plans to meet the needs of its customers in a personalized manner. From individual health plans to family plans, from top-up plans to critical illness plans and so on, there is one to meet each applicants’ insurance needs. United India health insurance provides the following medical schemes and you can choose one as per your requirement:

  • United India Family Medicare Plan
  • United India Family Medicare 2014 plan
  • United India Gold Plan
  • United India Individual Mediclaim plan
  • United India Platinum plan
  • United India Senior citizen plan
  • United India Super top up Plans
  • United India Top up plans
  • United India UNI Criticare plan
  • United India Workmen Medicare plan
  • United India Family Medicare Plan

    United India Family Medicare Plan is a health plan that offers comprehensive medical cover to the policyholder along with his family members under a single sum assured.

    Entry Age Criteria

    Adults: 18 to 80 years

    Children: 3 months to 18 years

    Coverage Type

    Family Floater

    Waiting Period for Pre-existing Diseases

    48 months

    Sum Assured ( Rs.)

    1- 10 lakhs

    Benefits and Features

    • The policy offers coverage to the dependent children between the age group of 3 months and 18 years, provided either or both parents are insured in the same policy
    • United India Family Medicare Plan offers higher sum insured options as compared to other healthcare plans in the market i.e. between Rs. 1 lakh and Rs. 10 lakhs
    • Freelook period of 15 days shall be applicable at the inception of the first policy
    • Cashless hospitalization facility can be availed in more than 7000 hospitals across PAN India
    • Free medical check-up once at the end of every three policy years can be availed provided no claims reported during the policy term
    • United India health insurance premium paid for self, spouse, dependent children and dependent parents are exempt from Income Tax under Section 80-D of the IT act

    Coverage:

    • This family floater policy covers hospitalization expenses such as room rent, boarding charges, nursing expenses, surgeon, anaesthetist, specialists fees, and ICU charges
    • Expenses incurred on dialysis, chemotherapy, radiotherapy, cost of artificial limbs, cost of prosthetic devices implanted during surgical procedures
    • Pre-hospitalization expenses incurred up to 30 days before the date of admission and post-hospitalization expenses incurred up to 60 days from the date of discharge.
    • Expenses for the following illness restricted to:
      • Cataract - 10% of SI subject to a maximum of Rs.25,000/-
      • Hernia - 15% of SI subject to a maximum of Rs.30,000/-
      • Hysterectomy - 20% of SI subject to a maximum of Rs.50,000/-
      • Major surgeries - 70% of SI subject to a maximum of Rs.4 lakhs
    • Certain specified Day Care procedures which require less than 24 hours hospitalization
  • United India Family Medicare 2014 Plan

    United India Family Medicare 2014 is a health insurance policy that is an extension of the United India Family Medicare plan with enhanced coverage and benefits.

    Entry Age Criteria

    Adults: 18 to 80 years

    Children: 3 months to 18 years

    Coverage Type

    Family Floater

    Waiting Period for Pre-existing Diseases

    48 months

    Sum Assured ( Rs.)

    2- 10 lakhs

    Benefits and Features:

    • All-inclusive medical cover for the members of the family under a single sum insured
    • Dependent children between the age of 3 months and 18 years can be covered provided either or both parents are covered concurrently.
    • Higher sum insured as compared to other healthcare plans in the market i.e. between Rs. 2 lakhs and Rs. 10 lakhs
    • No-claim-discount is also provided for every claim-free year
    • Free Look period of 15 days shall be applicable after the policy inception
    • Free medical check-up facility once a year at the end of every three policy years provided no claims has been reported

    Coverage:

    • The policy covers hospitalization expenses such as room, boarding, nursing expenses, and ICU charges
    • Also, expenses incurred on the surgeon, anaesthetist, dialysis, chemotherapy, radiotherapy, cost of artificial limbs, cost of prosthetic devices implanted during surgical procedures are reimbursed
    • Pre-hospitalization expenses incurred up to 30 days prior to the date of admission and post-hospitalization expenses incurred up to 60 days from the date of discharge.
    • Expenses for the following illness restricted to:
      • Cataract - 10% of SI subject to a maximum of Rs.25,000/-
      • Hernia - 15% of SI subject to a maximum of Rs.30,000/-
      • Hysterectomy - 20% of SI subject to a maximum of Rs.50,000/-
      • Major surgeries - 70% of SI subject to a maximum of Rs.4 lakhs
      • Certain specified daycare procedures which require less than 24 hours hospitalization.
  • United India Health Insurance Gold Plan

    United India Health Insurance Gold Plan is an all-encompassing United India medical protection plan to meet the hospitalization expenses towards the ailment of illness/disease/injury sustained or contracted by the insured during the policy period including few daycare surgeries as well.

    Entry Age Criteria

    Dependent Children: 3 months to 18

    years

    Adults: 36 to 60 years

    Coverage Type

    Dependent children can be

    covered if any of the parents is

    covered in the plan

    Waiting Period for Pre-existing Diseases

    48 months

    Sum Assured ( Rs.)

    1- 5 lakhs

    Benefits and Features:

    • United India Gold plan is for individuals between the age group of 36 years and 60 years
    • Sum insured offered in this is between Rs.1 lakh and Rs.5 lakhs
    • Provision for the continuation of the plan is provided post the age of 60 years of the insured subject to renewal of plan without any break
    • Dependent children between the age of 3 months and 18 years can be covered provided either or both parents are covered concurrently
    • Family discount of 5% can be availed on the total premium if the policy is taken for self and any one or more family members viz. spouse or dependent children

    Coverage:

    • Hospitalization expenses such as Room, Boarding, Nursing expenses, and ICU charges
    • If the insured person opts for a room with rent higher than the entitled category, the charges payable above shall be limited to the charges applicable to the entitled category only. However, this will not apply for Medicines & drugs and implants.
    • Pre-hospitalization expenses incurred up to 30 days prior to the date of admission and Post-hospitalization expenses incurred up to 60 days from the date of discharge – actual expenses or 10% of the Sum Insured whichever is less.
    • Medical procedures for Cataract, Hernia, Hysterectomy, etc.
  • United India Insurance Individual Mediclaim Policy

    United India Insurance Mediclaim Policy is designed to cover the hospitalization expenses for an individual or his family members.

    Benefits and Features:

    • Complete protection benefit against any disease or injury or any other treatment caused due to accident
    • Cashless facility in more than 7000 hospitals across Pan India and dedicated TPA help desk assigned for hassle free claims and processing

    Coverage:

    • Hospitalization expenses such as Room, Boarding, Nursing expenses, and ICU charges
    • Expenses incurred on Surgeon, Anesthetist, and Specialists Fees
    • Expenses incurred on dialysis, chemotherapy, radiotherapy, cost of artificial limbs, cost of prosthetic devices implanted during surgical procedures, organ donation, etc.
    • Expenses incurred on medical treatment for a period exceeding three days for cases wherein the condition of the patient is such that he / she cannot be removed to the hospital / nursing home and hence requires the treatment at home based on doctor’s recommendation
  • United India Health Insurance Platinum Plan

    United India Platinum is a comprehensive medical shield plan to meet the hospitalization expenses towards the ailment of illness/disease/injury sustained or contracted by the insured during the policy period including few daycare surgeries as well.

    Entry Age Criteria

    Dependent Children: 3months to 18

    years

    Adults: 18 to 35 years

     

    Coverage Type

    Family Floater

    Waiting Period for Pre-existing Diseases

    N/A

    Sum Assured ( Rs.)

    1- 10 lakhs

    Benefits and Features:

    • Available for individuals between the age group of 18 years and 35 years
    • Provision for the continuation of plan post the age of 35 of the insured subject to renewal of plan without any break
    • Dependent children between the age of 3 months and 18 years can be covered provided either or both parents are covered concurrently.
    • Sum Insured is between Rs.1 lakh and Rs.10 lakhs
    • Family discount of 5% on the total premium if the policy is taken for self and any one or more family member’s viz. spouse or dependent children

    Coverage:

    • Hospitalization expenses, ICU expenses, surgeon, and specialists fees
    • Expenses incurred on prosthetic devices implanted during surgical procedures like a pacemaker, orthopaedic implants, organ donor expenses etc.
    • If the insured person opts for a room with rent higher than the entitled category, the charges payable above shall be limited to the charges applicable to the entitled category only. However, this will not apply for medicines & drugs and implants
    • Pre-hospitalization expenses incurred up to 30 days prior to the date of admission and Post-hospitalization expenses incurred up to 60 days from the date of discharge – actual expenses or 10% of the Sum Insured whichever is less
    • Expenses incurred on cataract surgery, hernia, hysterectomy, etc.
  • United India Senior Citizen Plan

    United India Senior Citizen is a health insurance plan that has designed this specialized protection plan that covers old age diseases.

    Entry Age Criteria

    Dependent Children: 3 months to 18

    years

    Adults: 61 to 80 years

    Coverage Type

    Dependent children if either

    or both the parents are concurrently

    covered in the same plan

    Waiting Period for Pre-existing Diseases

    N/A

    Sum Assured ( Rs.)

    1- 3 lakhs

    Benefits and Features:

    • This is senior citizen policy is exclusively designed for citizens aged from 61 years to 80 years for hospitalization in India only
    • Provision for the continuation of plan post the age of 81 years of the insured subject to renewal of plan without any break
    • Sum Insured is between Rs.1 lakh and Rs.3 lakhs

    Coverage:

    • The policy covers room rent charges, boarding expenses, and nursing expenses
    • Expenses towards surgeon fee, anaesthetist, medical practitioner, consultants, and specialists fees are compensated as well
    • The cost incurred on anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines & drugs, diagnostic materials and X-ray
    • Expenses incurred on dialysis, chemotherapy, radiotherapy, cost of pacemaker, artificial limbs & organ donor expenses
  • United India Super Top Up Plan

    United India health insurance offers this customized plan to enhance your basic coverage with this plan. It is useful when you already have a policy but wish to increase the coverage at a minimal premium.

    Entry Age Criteria

    Dependent Children: 3 months to 18

    years

    Adults: 18 to 80 years

     

    Coverage Type

    Individual/Family Floater

     

    Waiting Period for Pre-existing Diseases

    48 months

    Sum Assured ( Rs.)

    1- 10 lakhs

    Benefits and Features:

    • Plans offered on Individual and Floater basis
    • The sum assured ranges from Rs. 1 lakh to Rs. 10 lakhs

    Coverage:

    • Hospitalization expenses, room-rent expenses, surgeon fees, etc.
    • Cashless treatment in-network hospitals
    • ICU Expenses, OT charges, etc.
  • United India Insurance Health Top-Up Plan

    United India Top-up is an add-on health plan to cover the hospital bills exceeding the deductible limit during the hospitalization.

    Entry Age Criteria

    Dependent Children: 3 months to 18

    years

    Adults: 18 to 80 years

     

    Coverage Type

    Individual/Family Floater

     

    Waiting Period for Pre-existing Diseases

    48 months

    Benefits and Features:

    • United India top-up plan offers coverage on both individual and family floater basis
    • Entry age criteria for dependent children is 3 months to 18 years and for Adults, it is 18 to 80 years
    • For Individual plan, all family members including the parents can be covered under a single policy with difference sum insured’s and threshold level
    • For group basis, the single sum insured for all family members and the parents can take a separate policy
    • Multiple options with different Sum Insured and threshold limit

    Coverage:

    All benefits under this plan shall be payable only if the aggregate of covered hospitalization expenses exceeds the threshold level or any amount received/receivable under any United health insurance policy/ reimbursement scheme whichever is higher.

  • UNI Criticare Insurance Plan

    UNI Criticare Insurance is a full-fledged medical plan covering all the expenses incurred on the treatment of any critical illness.

    Entry Age Criteria

    21 to 65 years

     

    Coverage Type

    N.A

     

    Waiting Period for Pre-existing Diseases

    90 days

    Sum Assured ( in Rs.)

    1-10 lakhs

    Benefits and Features:

    • Coverage of most of the critical illnesses such as cancer, renal failure, coronary artery diseases requiring bypass surgery, major organ transplant, paralytic cerebral stroke as well as accidental injuries resulting in loss of limbs
    • Multiple sum insured options: Rs. 1 lakh to Rs. 10 lakhs
    • Waiting period of 90 days from date of commencement of plan and  Grace period of 30 days to renew the plan
    • lump sum payment  in case the insured is diagnosed with one of the critical illness during the period of Insurance for the first time
    • Available for individual between the age group of 21 years and 65 years

    Diseases covered under UNI Criticare Insurance Plan

    • Cancer of specified severity
    • First heart attack of specified severity
    • Coronary artery surgery
    • Heart Valve replacement
    • Coma of Specific surgery
    • Kidney Failure
    • Stroke resulting in permanent symptoms
    • Major organ /Bone marrow transplant
    • Multiple sclerosis
    • Motor Neurone disease with permanent symptoms
    • Permanent paralysis of Limbs
  • United India Workmen Medicare Plan

    United India Workmen Medicare is a complete health protection plan for the employees to take care of all hospitalization expenses incurred on account of Accidents to the Workmen during and in the course of the employment.

    Entry Age Criteria

    N.A.

     

    Coverage Type

    Individual

     

    Waiting Period for Pre-existing Diseases

    N.A

    Sum Assured ( in Rs.)

    1-5 lakhs

    Benefits and Features:

    • Sum Insured ranging between Rs. 1 lakh and Rs.1.5 lakhs
    • Best suited option for Factory Owners/Contractors/Other Commercial establishments looking for limited medical cover for Workers/Employees arising out of accidents in the course of employment

     Coverage:

    • The policy covers room rent charges, boarding expenses, and nursing expenses
    • Expenses towards surgeon fee, anaesthetist, medical practitioner, consultants, and specialists’ fees are compensated as well
    • The cost incurred on anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines & drugs, diagnostic materials and X-rays
    • Ambulance charges for carrying the insured person from the spot of an accident to the Hospital/Nursing Home not exceeding Rs. 2, 500/- per insured person per event

How to file a health insurance Claim with United India Insurance?

The policyholder can file both cashless and reimbursement claims for United India insurance plans. The procedure that an insured person can follow at the time of claim filing and settlement are as follows:

Cashless claims are only valid for policies that are serviced by a Third-party-administrator:

  • Firstly, check if the hospital in which you are planning to take the treatment falls under the list of networked hospitals or not. As you can only avail cashless medical treatment in the hospitals that are registered with United India health insurance company.
  • If the treatment was planned well in advance, notify the TPA dept. in advance with all the details such as the hospital name and address
  • If it is an emergency case, notify the TPA immediately after the admission
  • Once admission is taken in the hospital, a pre-authorization request form needs to be filled and signed by you and sent to the third-party administrator by the hospital. The form has all the details regarding the admission, treatment, disease, proposed treatment, and cost estimation.
  • TPA ask for further clarifications ( as the case may be)
  • Once you get a discharge from the hospital, you have to pay the remaining amount (if any)
  • Claim for expenses incurred before and after the hospitalization can be claimed separately post-treatment.
  • Submit the original copies of all the documents to the TPA department. Make sure the submission is done within seven days of the post-hospitalization treatment.

For Reimbursement Claims-

      • Send a written notification to the TPA/or at the nearest United India branch about the hospitalization. In emergency cases, intimation should be sent within 24 hours.
      • While getting discharged, collect the discharge summary, investigation reports and all the other relevant documents from the hospital authorities. Submit all the original documents at the office or to the TPA within 7 days of discharge.
      • Collect and submit the documents such as claim form, final hospital bills, discharge summary, doctor's prescriptions & certificates, investigation reports, invoices, pharmacy bills etc.
      • The expenses incurred on pre and post hospitalization expenses can be claimed later. Do remember to provide all the documents within a week of post-hospitalization treatment. 

How to Renew United India Health Insurance Policy?

The renewal of the policy should be done at least a month before its expiry date. If it lapses you will lose your cumulative bonus and the waiting period will also start afresh.

The process to renew United India Health Insurance policy is quite simple. The steps are listed below-

      • Enter your policy number
      • Submit all the required details
      • Select your united India health insurance quote
      • And make the payment online

Before renewal, it is advised that you check United India Health Insurance policy features online and then make the purchase or upgradation.

Things to Remember while buying United India Health Insurance Policy

Here are some Do’s and Don’ts regarding the policy documents, proposal form, renewal etc. that the policyholder needs to take care of:

    • Make sure that you fill the proposal form for each insured family member and submit the ID proof documents such as PAN Card, Passport, Driving Licence, and Voter ID card
    • The proposer also needs to disclose all the pre-existing health conditions for each person to be insured and ensure that no information is hidden
    • Also the proposal form needs to be duly filled and signed by the policyholder
    • The policyholder will receive the policy copy within a month of the policy issuance
    • National health insurance policy needs to be renewed before the expiry date. Delaying it more than seven days from renewal due date can lead to policy cancellation
    • Preserve all the policy documents as it comes handy at the time of renewal and claims. keep a copy of the policy and ID safe and accessible should there be any emergency

United India Health Insurance - FAQs

Written By: PolicyBazaar - Updated: 27 May 2020
198,706 Confirmed Cases in India*
6,407,272 Confirmed Cases worldwide*
376,581 Confirmed deaths worldwide*
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 3 Reviews)
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United India Health Insurance Reviews & Ratings
4.6 / 5 (Based on 3 Reviews)
(Showing Newest 3 reviews)
Shivani
Allahabad, April 20, 2016
Preventive Health Care
who plan is cover TB asthama and with out hospitaization discase cover
Rajender
Faridabad, February 17, 2016
health insurance
4 child & 3 adult
Ritika
Raipur, December 20, 2015
Vey good service
I have health insurance with United India Insurance. They have very good service and their premium is also low, I used to pay premium on yearly basis. I have done reimbursement for twice. All the claims were hassle free and less paper work too. I am amazed with their customer support. They told that they will give my claim within 15 days and they fulfilled within the period.

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