United India Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 78.03%
PED Coverage
Covered after 4 Year
Save Tax Under
Section 80D

About United India Health Insurance

United India Insurance Company Limited is a highly regarded insurance provider in India with a strong global presence. Established as an organization in 1938, it transitioned into a General Insurance Business and successfully nationalized itself in 1972. Subsequently, it underwent a merger with 12 Indian Insurance Companies, 4 Cooperative Insurance Societies, Indian operations of 5 Foreign Insurers, and the General Insurance operations of the southern region of the Life Insurance Corporation of India.

Currently, the company boasts a dedicated workforce of 14,000 employees operating from 2,276 offices, serving the insurance needs of 1.74 crore policyholders. United India Health Insurance offers a diverse range of innovative insurance products to cater to various customer segments. These include individual plans, family floater plans, senior citizen plans, critical illness plans, top-up plans, and group health insurance plans. By consistently providing exceptional products and customer service, the company has experienced remarkable growth over the years.

United India Health Insurance Plans Summary

United India Insurance Company offers comprehensive coverage to its policyholders for medical expenses arising from injuries and/or illnesses. Here are the top health insurance policies provided by United India Health Insurance:

Family Medicare 2014 Policy: This policy offers medical coverage to all family members under a single sum insured. It is available for individuals aged between 18 and 80 years, with a sum insured ranging from Rs. 2 lakh to Rs. 10 lakh per family. The policy provides benefits such as in-patient hospitalization, daycare procedures, pre and post-hospitalization expenses, ayurvedic treatment cover, and second opinion options.

Individual Health Insurance Policy: This policy provides health coverage on an individual or family basis. It consists of three plans: Platinum, Gold, and Senior Citizen. The proposer's age can range from 18 to 65 years, with a sum insured ranging from Rs. 2 lakh to Rs. 20 lakh. The policy covers various hospitalization expenses, including in-patient medical costs, pre and post-hospitalization expenses, domiciliary hospitalization, daycare procedures, and ayurvedic treatment.

UNI Criticare Policy: This critical illness plan covers 11 specific critical illnesses, such as cancer, coma, heart attack, kidney failure, and stroke. If the insured person is diagnosed with one of these illnesses, a lump sum amount is paid as compensation. The policy is available for individuals aged 21 to 65 years, with a sum insured ranging from Rs. 1 lakh to Rs. 10 lakh. It offers lifelong renewability with a waiting period of 90 days from the policy's inception and a survival period of 30 days from the date of diagnosis.

Top-Up Medicare Policy: This policy covers hospitalization expenses above the chosen sum insured after crossing the threshold level of the policy. It provides additional protection at an affordable price and is available for individuals and family floaters. The policy can be purchased regardless of whether the policyholder has any existing policy. The proposer's age ranges from 18 to 80 years, with a sum insured ranging from Rs. 3 lakh to Rs. 15 lakh and a threshold level from Rs. 2 lakh to Rs. 5 lakh.

Super Top-Up Medicare Policy: This policy offers coverage for aggregate hospitalization expenses exceeding the sum insured or threshold limit during the policy period. It provides additional healthcare protection at a reasonable cost and can be purchased independently of any other health insurance policy. The policy is available for individuals and family floaters, with an age eligibility of 18 to 80 years. The sum insured ranges from Rs. 3 lakh to Rs. 15 lakh, with a threshold limit from Rs. 2 lakh to Rs. 5 lakh.

Network Hospital

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Why Choose United India Health Insurance?

United India Health Insurance offers a range of diverse features to its customers. Here are some of them:

  • Digital Chat Box - United India Health Insurance provides a digital chat box for policyholders, enabling them to easily seek assistance with their health insurance-related queries. Whether it's policy assistance, claim guidance, KYC updates, or any other support, policyholders can access this feature at any time, ensuring hassle-free policy solutions.
  • Online Renewal - Policyholders of United India can conveniently renew their health insurance policies within minutes. By simply entering their Policy Number, they can proceed to renew their health insurance plan through a secure payment gateway. This streamlined process ensures a smooth and hassle-free renewal experience for policyholders.
  • Awards and Recognition - United India Insurance Company is a trusted and recognized insurance brand, having received numerous prestigious awards. These accolades include the Indian Insurance Awards, Best Health Insurance Provider Award, The Most Ethical Company Award, Dalal Street Insurance Journal Award, and many more. These accolades highlight the insurer's commitment to excellence and customer satisfaction.

Key Features of United India Health Insurance

Health Check-up Benefit - The insurer provides a health check-up benefit to policyholders across its health insurance plans. With this benefit, the company covers the cost of a medical check-up once every three claim-free years, up to 1% of the average sum insured per insured person, with a maximum limit of Rs. 5,000.

Lifelong Renewability - All health insurance policies offered by the insurer come with the option of lifelong renewability. This allows policyholders to continue enjoying the security and benefits of their health insurance plans. To avail of this benefit, policyholders simply need to renew their plans at the end of each policy term without any lapses.

Portability Option - The insurer offers a portability option that allows policyholders from different insurers to switch to United India Health Insurance plans. This option enables policyholders to take advantage of the services and benefits provided by the new insurer. It offers a convenient way to transition from their previous insurer to a new one that better suits their budget and requirements.

In-patient Hospitalization - This coverage includes compensation for medical expenses resulting from the treatment of a covered illness, injury, or medical condition that requires hospitalization for a minimum of 24 hours. It encompasses costs such as nursing charges, doctor's fees, medications, blood, oxygen, and other related expenses.

Pre-hospitalization and Post-hospitalization - The insurance provider covers medical expenses incurred by the policyholder up to 30 days prior to hospitalization and up to 60 days following discharge from the hospital.

Day Care Procedures - This refers to treatments or procedures that can be completed within 24 hours without the need for overnight hospitalization, thanks to advancements in technology and anesthesia. The insurer covers 140 recognized daycare procedures.

Domiciliary Hospitalization - In situations where a patient cannot be admitted to a hospital due to unavailability of rooms or their condition doesn't permit it, the insurance provider offers coverage for medical treatment lasting more than 3 days when provided at home.

Ayurvedic Treatment - The insurer covers medical costs for ayurvedic treatments. However, hospitalization expenses are eligible for reimbursement only if the treatment is received at a Government Hospital or an institution recognized and accredited by the Quality Council of India or National Accreditation Board on Health.

United India Health Claim Settlement Ratio

The Claim Settlement Ratio of a health insurance company represents the percentage of claims successfully settled by the company compared to the total number of claims received during a financial year. It serves as an important indicator of an insurance company's efficiency in handling customer claims.
As a prudent health insurance buyer, it is essential to consider the Claim Settlement Ratio of an insurer before purchasing a plan. Here are the Claim Settlement Ratios for United India Health Insurance in the last two financial years:

Financial Year | Claim Settlement Ratio

FY 2018-2019 | 79.72%
FY 2019-2020 | 78.03%

These figures demonstrate the insurer's commitment to efficiently settling claims and providing timely support to policyholders when they need it most. United India Health Insurance stands out as a reliable and trustworthy option for individuals seeking comprehensive health coverage.

Dedicated Whatsapp Claim Assistance

United India Health Claim Process

The health insurance claim refers to the process in which a policyholder requests compensation from the insurance company for medical expenses incurred due to treatment. There are two types of health insurance claims: cashless claim and reimbursement claim.

Cashless Claim Process

Follow these steps to raise a cashless claim with United India Insurance Company:

Step 1: Intimate the Insurance Provider
Notify United India Insurance Company or the Third Party Administrator (TPA) about your hospitalization at least 72 hours in advance for planned hospitalization, or within 24 hours of admission for emergency hospitalization at 1800-425-333-33.

Step 2: Pre-Authorization Request
Present your health insurance ID card issued by the insurance provider or TPA at the network hospital's helpdesk. Obtain the cashless request form available at the hospital and complete it to submit it to the TPA for authorization.

Step 3: Document Verification
The TPA or insurance provider will verify the cashless request form and the provided medical information, issuing a pre-authorization letter to the hospital after thorough verification.

Step 4: Claim Approval
If the TPA or claim settlement team requires any additional information or documents, they may request them. However, they hold the right to reject incomplete or false requests.

Step 5: Claim Settlement
Upon discharge, verify and sign the discharge papers, and settle non-medical and inadmissible expenses. The network hospital submits the final request with the complete hospital bill. Once received, the insurance provider settles the medical expenses, considering co-payment, inadmissible expenses, or other deductions.

Reimbursement Claim Process

Follow these steps to raise a reimbursement claim with National Insurance Company:

Step 1: Notify the Insurance Provider
Inform United India Insurance Company about your hospitalization at least 72 hours in advance for planned hospitalization, or within 24 hours of admission for emergency hospitalization at 1800-425-333-33.

Step 2: Obtain Medical Treatment
Receive medical treatment at a non-network hospital and pay the hospital bills. Collect all relevant medical documents for submission to the insurance provider or TPA for reimbursement.

Step 3: Submit Required Documents Submit the completed and signed claim request form along with the necessary documents to United India Insurance Company.

Required Documents for United India Health Insurance Reimbursement Claim:

  1. Completed claim form
  2. Medical test certificates, surgical reports, etc.
  3. Bills, payment receipts, and discharge certificate signed by the doctor
  4. Cash memos from diagnostic centers, pharmacies, etc.
  5. Payment receipts from doctors, surgeons, etc.
  6. Any other relevant documents requested by the company or TPA
  7. First investigation report or post-mortem report, if applicable

Step 4: Document Verification
The TPA or claim settlement team of United India Insurance Company will verify the claim form and medical documents provided. They may request additional information or documents, or reject incomplete or insufficient claims.

Step 5: Claim Settlement
If the TPA or insurance provider verifies all the information and medical documents, they will approve the claim request and reimburse the admissible amount after making relevant deductions and co-payments.

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United India Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 78.03%
PED Coverage
Covered after 4 Year
Save Tax Under
Section 80D
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