United India Health Insurance Claim Settlement Ratio

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      United India Health Insurance Claim Settlement Ratio

      United India health insurance claim settlement ratio reflects positively on the insurer’s ability to pay claims, which makes it a great choice to buy medical insurance. The higher is the claim settlement ratio, the higher are the chances of your claim getting paid by the insurer. Every health insurance company has a different claim settlement ratio, and it is advisable to check it before choosing a policy.

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      The United India Insurance enjoys a claim settlement ratio of 94.5% for FY 2021-22. This implies that insurer settles most of the claims it receives and ensures an efficient claim settlement procedure.

      Claim Process of United India Health Insurance

      United India Insurance policyholders can apply for either cashless claims or reimbursement claims. Take a look at the process to file both types of claims below:

      Claim Process for Cashless Treatment:

      Cashless medical treatment can only be availed at a network hospital of United India Insurance. Here are the steps that you can follow to file a cashless claim:

      • Inform the insurer about your planned hospitalization in advance. In case of emergency hospitalization, you need to notify the insurer within 24 hours of getting admitted to the network hospital.
      • After getting admitted to the hospital, you need to fill, sign and submit the pre-authorization form to the hospital, who will send it to the insurer’s TPA.
      • The TPA will verify the documents and approve the cashless treatment request.
      • During discharge, pay for the expenses not covered by the insurer.
      • The insurer will pay the bill amount to the hospital after your discharge.
      • For post-hospitalization claims, submit all the required documents within 7 days of availing the treatment.

      Claim Process for Reimbursement:

      Follow the steps mentioned below to file a United India health insurance reimbursement claim:

      • Send a written intimation about your planned treatment to the insurer’s TPA or at the nearest branch. In case of an emergency hospitalization, inform the insurer within 24 hours.
      • Obtain the treatment and pay all the hospital bills when getting discharged from the hospital.
      • After getting discharged, you must collect all your documents from the hospital, including medical investigation reports, hospital discharge summary, etc.
      • Submit all the required documents in original at the TPA’s office within 7 days of hospital discharge.
      • The insurer will review your documents and pay the claim amount to you.
      • Pre and post-hospitalization expenses can be claimed by submitting all the documents within 7 days of receiving post-hospitalization treatment. 

      Documents Required for United India Health Insurance

      United India health insurance claims need to be supported with the following documents:

      • Duly filled and signed claim form
      • Doctor’s certificate 
      • Hospital discharge summary
      • Final hospital bills and payment receipts
      • Diagnostic and laboratory reports with bills
      • Pharmacy bills
      • Doctor’s prescriptions
      • Receipt, bills, sticker of the Implants

      To know more details about United India health insurance claims, you can speak to our health insurance experts at Policybazaar.com on 1800-208-8787.

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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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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      *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.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##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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      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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