United India Health Insurance

United India Health Insurance Company Overview

United India Insurance Company Ltd is one of the leading insurance provider in Indian Insurance market. The various plans are not only designed to meet the maximum range of unforeseen scenarios but also have a hassle free documentation and processing system in place .

List of Health Insurance Plans Offered by United India Insurance

1. Family Medicare Plan
2. Family Medicare 2014 plan
3. Gold Plan
4. Individual Mediclaim plan
5. Platinum plan
6. Senior citizen plan
7. Super top up Plans
8. Top up plans
9. UNI Criticare plan
10. Workmen Medicare plan

1. Family Medicare Plan Provided by United India Health

• A comprehensive 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.
• High sum insured as compared to other healthcare plans in the market i.e. between 1 to 10 lakh.
• No claim discount of 3% after three continuous claim free years and subsequent claim free years subject to maximum of 15%.
• Free Look period of 15 days shall be applicable at the inception of the first policy.
• Cashless facility in more than 7000 hospitals across Pan India.
• Free Medical check-up once at the end of every three underwriting years provided no claims reported during the block and subject to policy renewed without any break. The limit applicable is 1% of the average Sum Insured during the preceding three policy periods.
• Premium paid for self, spouse, dependent children and dependent parents are exempt from Income Tax under Section 80-D of the IT act as per rules in force.

Coverage Under United India Family Medicare Plan

• Hospitalization expenses such as Room, Boarding and Nursing expenses not exceeding 1% of the Sum Insured or actual whichever is less.
• Expenses incurred towards ICU for an amount not exceeding 2% of the Sum Insured or actual whichever is less.
• Expenses incurred for Surgeon, Anesthetist, Medical Practitioner, Consultants, and Specialists Fees.
• Expenses incurred on Anesthetic, blood, oxygen, Operation theatre charges, surgical appliances, Medicines & drugs, dialysis, chemotherapy, radiotherapy, cost of artificial limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, orthopedic implants, infra cardiac valve replacements, vascular stents, relevant laboratory/diagnostic tests, x-ray and similar expenses that are medically necessary and hospitalization expenses (excluding cost of organ) incurred for donor in respect of organ transplant to the insured.
•  Pre-hospitalization expenses incurred up to 30 days prior to date of admission and Post-hospitalization expenses incurred up to 60 days from the date of discharge.  Subject to a maximum limit of 10% of the Sum Insured.
• Expenses for the following illness restricted to:
  • Cataract - 10% of SI subject to maximum of Rs.25,000/-
  • Hernia - 15% of SI subject to maximum of Rs.30,000/-
  • Hysterectomy - 20% of SI subject to maximum of Rs.50,000/-
  • Major surgeries - 70% of SI subject to maximum of Rs.4 lac.
• Certain specified Day Care procedures which require less than 24 hours hospitalization.
  Treatment taken in a Government Hospital or in any Institute recognized by the Government and/or accredited by Quality Council of India/National Accreditation Board on Health.

2. Family Medicare 2014 Plan by United India Health Insurance

• An extension of family Medicare plan with enhanced coverage and benefits.
• 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.
• High sum insured as compared to other healthcare plans in the market i.e. between 1 to 10 lakh.
• No claim discount of 3% after three continuous claim free years and subsequent claim free years subject to maximum of 15%.
• Free Look period of 15 days shall be applicable at the inception of the first policy.
• Cashless facility in more than 7000 hospitals across Pan India.
• Free Medical check-up once at the end of every three underwriting years provided no claims reported during the block and subject to policy renewed without any break. The limit applicable is 1% of the average Sum Insured during the preceding three policy periods.
• Premium paid for self, spouse, dependent children and dependent parents are exempt from Income Tax under Section 80-D of the IT act as per rules in force.

Coverage Under United India Family Medicare 2014 Plan

• Hospitalization expenses such as Room, Boarding and Nursing expenses not exceeding 1% of the Sum Insured or actual whichever is less.
• Expenses incurred towards ICU for an amount not exceeding 2% of the Sum Insured or actual whichever is less.
• Expenses incurred for Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees.
• Expenses incurred on Anesthetic, blood, oxygen, Operation theatre charges, surgical appliances, Medicines & drugs, dialysis, chemotherapy, radiotherapy, cost of artificial limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, orthopedic implants, infra cardiac valve replacements, vascular stents, relevant laboratory/diagnostic tests, x-ray and similar expenses that are medically necessary and hospitalization expenses (excluding cost of organ) incurred for donor in respect of organ transplant to the insured.
•  Pre-hospitalization expenses incurred up to 30 days prior to date of admission and Post-hospitalization expenses incurred up to 60 days from the date of discharge.  Subject to a maximum limit of 10% of the Sum Insured.
• Expenses for the following illness restricted to:
  • Cataract - 10% of SI subject to maximum of Rs.25,000/-
  • Hernia - 15% of SI subject to maximum of Rs.30,000/-
  • Hysterectomy - 20% of SI subject to maximum of Rs.50,000/-
  • Major surgeries - 70% of SI subject to maximum of Rs.4 lac.
• Certain specified Day Care procedures which require less than 24 hours hospitalization.
  Treatment taken in a Government Hospital or in any Institute recognized by the Government and/or accredited by Quality Council of India/National Accreditation Board on Health.

3. United India Health Insurance Gold Plan

• An all-encompassing 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 day care surgeries as well.
• Available for individual between the age of 36 years and 60 years.
• Provision for continuation of plan post the age of 60 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 offered by us is between Rs.1 lac to Rs.5 lacs in multiples of Rs.50, 000/
• Cashless facility in more than 7000 hospitals across Pan India.
•  Family discount of 5% on the total premium if policy is taken for self and any one or more family members viz. spouse or dependent children

Expenses Covered Under United India Health Insurance Gold Plan

• Hospitalization expenses such as Room, Boarding and Nursing expenses not exceeding 1% of the Sum Insured or actual whichever is less.
• ICU expenses not exceeding 2% of the Sum Insured or actual whichever is less.
•  Expenses incurred for Surgeon, Anesthetist, Medical Practitioner, Consultants, and Specialists Fees.
•  Expenses incurred on Anesthetic, blood, oxygen, Operation theatre charges, surgical appliances, Medicines & drugs, dialysis, chemotherapy, radiotherapy, cost of artificial limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, orthopedic implants, infra cardiac valve replacements, vascular stents, relevant laboratory/diagnostic tests, x-ray and similar expenses that are medically necessary and hospitalization expenses (excluding cost of organ) incurred for donor in respect of organ transplant to the insured.
•  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 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 for the Cataract, Hernia, Hysterectomy, subject to maximum cap of restricted to – Actual expenses or 25% of SI whichever is less. For other major illness/surgeries actual expenses or 70% of SI whichever is less.
• Certain specified Day Care procedures which require less than 24 hours hospitalization.
• Treatment taken in a Government Hospital or in any Institute recognized by the Government and/or accredited by Quality Council of India/National Accreditation Board on Health.

4. United India Insurance Individual Mediclaim Policy

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

Benefits Covered Under United India Insurance Individual Mediclaim Policy

• Room, Boarding Expenses as provided by the Hospital / nursing home 
• Nursing Expenses
• Expenses towards Surgeon fee, Anesthetist, Medical Practitioner, Consultants, Specialists Fees
• Cost incurred in purchase of Anesthesia, Blood, Oxygen, Operation Theatre Charges, surgical appliances, Medicines & Drugs, Diagnostic Materials and X-ray. 
• Expenses towards Dialysis, Chemotherapy, Radiotherapy, Cost of Peacemaker, Artificial Limbs & Cost of organs and similar expenses.
• Expenses incurred for 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.

5. United India Health Insurance Platinum Plan

• 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 day care surgeries as well.
• Available for individual between the age of 18 years to 36 years.
• Provision for 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 lac to Rs.10 lacs in multiples of Rs.50, 000/
• Cashless facility in more than 7000 hospitals across Pan India.
•  Family discount of 5% on the total premium if policy is taken for self and any one or more family member’s viz. spouse or dependent children.

Expenses Covered Under United India Health Insurance Platinum Plan

• Hospitalization expenses such as Room, Boarding and Nursing expenses not exceeding 1% of the Sum Insured or actual whichever is less.
• ICU expenses not exceeding 2% of the Sum Insured or actual whichever is less.
•  Expenses incurred for Surgeon, Anesthetist, Medical Practitioner, Consultants, and Specialists Fees.
•  Expenses incurred on Anesthetic, blood, oxygen, Operation theatre charges, surgical appliances, Medicines & drugs, dialysis, chemotherapy, radiotherapy, cost of artificial limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, orthopedic implants, infra cardiac valve replacements, vascular stents, relevant laboratory/diagnostic tests, x-ray and similar expenses that are medically necessary and hospitalization expenses (excluding cost of organ) incurred for donor in respect of organ transplant to the insured.
•  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 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 for the Cataract, Hernia, Hysterectomy, subject to maximum cap of restricted to – Actual expenses or 25% of SI whichever is less. For other major illness/surgeries actual expenses or 70% of SI whichever is less.
• Certain specified Day Care procedures which require less than 24 hours hospitalization.
• Treatment taken in a Government Hospital or in any Institute recognized by the Government and/or accredited by Quality Council of India/National Accreditation Board on Health.

6. Senior Citizen Plan Provided by United India Health Insurance

• A specialized protection plan for the privileged elder to cover particularly old age disease.
• Exclusively designed for Citizens aged 61 years to 80 years for hospitalization in India only.
• Provision for continuation of plan post the age of 81 of the insured subject to renewal of plan without any break
• Sum Insured is between Rs.1 lac to Rs.3 lacs in multiples of Rs.50, 000/

Benefits Covered Under United India Senior Citizen Health Insurance

• Room, Boarding Expenses as provided by the Hospital / nursing home 
• Nursing Expenses
• Expenses towards Surgeon fee, Anesthetist, Medical Practitioner, Consultants, Specialists Fees
• Cost incurred in purchase of Anesthesia, Blood, Oxygen, Operation Theatre Charges, surgical appliances, Medicines & Drugs, Diagnostic Materials and X-ray. 
• Expenses towards Dialysis, Chemotherapy, Radiotherapy, Cost of Peacemaker, Artificial Limbs & Cost of organs and similar expenses.
• Expenses incurred for 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.

7. Super Top Up Plans by United India Health Insurance

• A customized plan to cover aggregate hospitalization exceeding the Threshold Level or any amount reimbursed or reimbursable under any United Health Insurance Policies/Reimbursement Scheme whichever is higher, up to the Sum Insured stated in the policy.
• Plans offered on Individual and Floater basis.
• For Individual plan all family members including the parents can be covered under single policy with difference sum insured’s and threshold level.
• For group basis single sum insured level for all family members can be covered under the policy and the parents can take a separate policy.
• Multiple options with different Sum Insured and threshold limit.

Benefit Under United India Super Top Up Plan

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 Health Insurance policy/ Reimbursement scheme whichever is higher.

8. United India Insurance Health Top Up Plan

• Add on plan to cover the excess expenditure beyond the threshold limit or any amount reimbursed or reimbursable under any United Health Insurance Policies/Reimbursement scheme whichever is higher, up to the Sum Insured stated in the policy.
• Can be enrolled on Individual and Floater basis.
• For Individual plan all family members including the parents can be covered under single policy with difference sum insured’s and threshold level.
• For group basis single sum insured level for all family members can be covered under the policy and the parents can take a separate policy.
• Multiple options with different Sum Insured and threshold limit.

Benefits Under United India Insurance Health Top Up Plan

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.

9. UNI Criticare Insurance Plan

• A full-fledged medical cover comprising all expense incurred for the treatment of any critical illness.
• Coverage of most of the critical illness 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.
• Cashless facilities available at the Network Hospitals.
• Multiple sum insured variable of  Rs.1 lac, Rs.3 lacs, Rs.5 lacs and Rs.10 lacs.
• 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 of 21 years to 65 years.

Disease 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

10. Workmen Medicare Plan by United India Insurance 

• A complete health protection plan for the employees to take care of all hospitalization expenses incurred on account of Accident to the Workmen during and in the course of the employment.
• Sum Insured ranging between Rs.50,000/-, Rs.1 lac & Rs.1.5 lacs.
• Best suited option for Factory Owners/Contractors/Other Commercial Establishment looking for limited Medical cover for Workers/Employees arising out of accidents in the course of employment

Benefits Covered Under United India Workmen Medicare Plan

• Hospitalization expenses such as Room, Boarding and Nursing expenses and other expenses up to 1% of the Sum Insured per day. This includes Nursing care, RMO charges, IV fluids/Blood Transfusion/Injection administration charges and the like but does not include cost of materials. ICU unit up to 2% of the Sum Insured per day.
• Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees.
• Expenses towards the procurement of anesthetic, blood, oxygen, Operation theatre charges, surgical appliances, Medicines & drugs, Diagnostic material, X-ray, Artificial limbs and similar expenses.
• Ambulance charges for carrying the insured person from the spot of accident to the Hospital/Nursing Home not exceeding Rs.2, 500/- per insured person per event.

Withdrawn Plans:

United India Insurance has been sourcing few more Plans in the past , however as on date have stopped all the below given plans.

• Bhavishya Arogya Bima Policy
• Jan Arogya Policy
• Swasthya Bima Policy
• Universal Health Insurance Scheme
• Cradle Care Policy 

United India Health Insurance - FAQs

1. How to pay a premium? What are the modes of payment available?

The United India Insurance Company offers 3 modes of premium payment namely:

• Cash payment at the branch
• Online Payment
• NEFT/RTGS
• Mobile- M power

For the online payment mode, the policyholder can pay via;

• Credit Card
• Debit Card
• Net banking

2. How can I check United India Insurance Mediclaim Policy Details & Status?

Please visit the nearest office of the United India Insurance company to inquire about the United India Insurance Mediclaim Policy Details & Status.

3. What is the policy renewal process for United India health insurance?

If you purchased the policy online you should renew it online before 30 days of the expiry.

Online Renewal Procedure

Step1: Enter your Policy number and Expiry Date to login into e-portal
Step2: Choose the the payment option – Debit/Credit Card or Net Banking to pay
Step3: Print/Save cyber receipt of the premium deposit

Alteranatively, you can pay via M-Power
Procedure: Visit the Merchant Interbank Mobile Payment Service (IMPS) section on your Mobile Banking application and just input:
Merchant Mobile No: 8939815005
Merchant MMID: 9036001
Amount: *
Payment Reference: *
MPIN :

4. What is the company’s process to settle claim for United India health insurance?

Doenload the suitable claims from from e-portal. Depoist it with the required documents at the customer service desk in your nearest branch. The company will make the necessary inquiries and if satisfied will reimburse the claim amount in a few days.

5. What is the policy cancellation process for United India health insurance?

You can cancel the policy before it is expired. Just visit the nearest branch with the United India Insurance Mediclaim Policy Details & documents and fill up a surrender form. Submit it and within a few days the refund will be directly credited in your bank account.