United India Health Insurance
United India Insurance Company Limited is one of the prominent general insurance companies in India, nationalized in 1972. The insurance provider offers health insurance, motor insurance, personal accident insurance, household insurance, and several other insurance products customized to the needs of a diversified customer base. The company was formed by the merger of 12 Indian insurance companies, 4 cooperative insurance societies, Indian operations of 5 foreign insurers, and general insurance operations in the southern region of the Life Insurance Corporation of India.
United India General Insurance policies cover individuals and families against any financial burden incurred due to hospitalization, daycare treatment, critical illness, AYUSH treatment, and similar other medical expenses. By now, United India has expanded its reach across India, with over 1537 work offices and a workforce of 9000 serving more than 1.74 crore policyholders. The company has established its presence in over 1000 tier II and III towns and villages.
For its remarkable performance in the insurance industry, the UIIC Health Insurance Company has won many awards and recognitions in the past years, including the following:
- United India Health Insurance was awarded ‘Best Insurance Company in Implementing the Government Health Schemes’.
- United India Health Insurance received a ‘Best Digital Transformation Initiative’ award.
- United India Health Insurance was awarded the category ‘Best Claims Service Provider of the Year in the Insurance Sector’ in the Insurance Leaders Meet 2023 & Excellence Awards.
- United India Health Insurance received awards under the category BFSI Silver for implementing the Comprehensive Health Insurance Scheme of Tamil Nadu.
- United India Health Insurance received ‘BFSI Silver for the SKOCH Awards 2023’.
United India Health Insurance Company Specifications
Here are the key specifications of UIIC Health Insurance Company:
| Particulars | Specifications |
|---|---|
| Network Hospitals | 14000+ |
| Incurred Claim Ratio (2022-23) | 89.57% |
| Claims Paid (less than 3 months in 2022-23) | 91.10% |
| Number of Offices | 1537+ |
| Solvency Ratio (2022-23) | 0.30 |
| Market Share (Health) | 11% |
| Gross Direct Premium (Health + Personal Accident) | 7,682.68 Crore |
*Data has been sourced from the annual report of IRDAI 2022-23.
Key Features of United India Health Insurance
United India Health Insurance is one of the prominent insurance providers in the public sector. Availing insurance products to top-tier cities, UIIC Health Insurance has expanded its reach to tier 2 and tier 3 towns so that insurance can be in the hands of every individual regardless of their economic status. There are several features that individuals can enjoy when choosing United India Health Insurance as their insurance provider. Some of the features are mentioned below:
Network Hospitals
United India Health Insurance has partnered with more than 14,000 hospitals where policyholders can avail of cashless treatment. When a medical emergency arises, United India directly settles the cost of medical treatment with the hospital. Before purchasing the UIIC medical insurance, check the United India Health Insurance hospital list available on the official website.
Cost-effective Plans
United India health insurance plans are reasonably priced so low-income groups can receive extensive financial support in medical emergencies.
Extended Coverage
United India health insurance policies are all-inclusive and cover individuals and families under one plan per the suitability and requirements. The plans cover medical treatment, daycare treatment, total disability, partial disability, and critical illnesses. Some UIIC health insurance plans also cover loss of pay, road ambulance cover, and maternity benefits.
Modern Treatment Cover
United India Health Insurance covers expenses incurred under modern treatment techniques, whether in-patient or daycare treatment.
Optional Covers
The United India insurance mediclaim policy allows you to extend your coverage by adding optional covers for an additional premium. Depending on your requirements and plan offerings, you can choose from daily cash allowances on hospitalisation, newborn baby cover, and co-payment waiver.
Customer Support
United India Health Insurance has a 24/7 active customer support team that addresses your concerns and takes suitable action.
Health Insurance Policies Offered By United India Health Insurance
United India Health Insurance offers various health insurance products to provide comprehensive medical coverage for individuals, families, and senior citizens. Let’s look at the list of UIIC health insurance policies with their specific coverage and eligibility criteria:
Individual and Family Health Insurance Plan
 |
United India Individual Health Insurance |
Coverage Benefits
- 3 coverage options
- AYUSH treatment
- Domiciliary hospitalisation
Eligibility Criteria
Entry Age: 91 days - 65 years
Sum Insured: Rs. 2 Lakhs to Rs. 20 Lakhs
|
United India Family Medicare Policy |
Coverage Benefits
- In-patient hospitalisation
- Ayurvedic/ Homeopathic/ Unani treatment
- Organ donor expenses
Eligibility Criteria
Entry Age: 91 days - 65 years
Sum Insured: Rs. 3 Lakhs - Rs. 25 Lakhs
|
United India Yuvaan Health Insurance |
Coverage Benefits
- Road ambulance covered
- Modern treatment
- Daycare treatment
Eligibility Criteria
Entry Age: 91 days - 45 years
Sum Insured: Rs. 5 Lakhs to Rs. 20 Lakhs
|
United India Arogya Sanjeevani Health Policy |
Coverage Benefits
- AYUSH treatment
- Cataract treatment
- Hospitalisation expenses
Eligibility Criteria
Entry Age: 18 years - 65 years
Sum Insured: Rs. 1 Lakh to Rs. 5 Lakhs
|
United India Corona Kavach Policy |
Coverage Benefits
- Covid hospitalisation cover
- Home care treatment expenses
- Pre & post-hospitalisation
Eligibility Criteria
Entry Age: 18 years - 65 years
Sum Insured: Rs. 50,000 to Rs. 5 Lakhs
|
RUnited India Super-Top-Up Medicare Policy |
Coverage Benefits
- In-patient hospitalisation cover
- Home care treatment expenses
- Road ambulance cover
Eligibility Criteria
Entry Age: 18 years - 65 years
Sum Insured: Rs. 3 Lakhs to Rs. 75 Lakhs
|
United India UNI Criticare Policy |
Coverage Benefits
- 11 critical illnesses covered
- Tax benefits
- Lump sum payment
Eligibility Criteria
Entry Age: 21 years - 65 years
Sum Insured: Rs. 1 Lakh to Rs. 10 Lakhs
Group Health Insurance Policy
|
United India Uni Group Health Insurance Policy |
Coverage Benefits
- Daycare treatment cover
- Road ambulance cover
- Donor expenses covered
Eligibility Criteria
Entry Age: 91 days - 26 years
|
United Shramik Seva Policy |
Coverage Benefits
- Modern treatment
- Daily cash allowance
- Maternity benefit cover
Eligibility Criteria
EEntry Age: 18 years - 65 years
Sum Insured: Rs. 1 Lakh to Rs. 5 Lakhs
How to Calculate United India Health Insurance Premium?
United India Health Insurance premium is the amount the policyholder pays annually to gain financial assistance during a medical emergency. You can use the United India Health Insurance premium calculator to calculate the premium amount payable. While calculating, you can compare different coverage and benefits to get the right premium that fits your pocket and avails comprehensive coverage as required. Follow the steps given below to calculate the United India Health Insurance premium on the official website:
- Visit the official website of United India Insurance Company Limited.
- Click on the ‘Product’ tab and go to the ‘Health Insurance’ section.
- Click ‘Buy New Policy/ Get Quote’ from any policy option.
- Select the required cover and press ‘Ok’.
- Provide all the essential details and click ‘Get Quote’.
- The premium details will be reflected on the screen.
Below are the variables that decide the estimated premium amount payable under the United India Medical Insurance.
- Age of the policyholder
- Sum insured
- Policy term
- Location
- Lifestyle habits
- Covered benefits
- Medical history
Inclusions and Exclusions Under United India Health Insurance Plans
To maximize benefits and avoid inconvenience during claim processing, it is important to carefully review the list of inclusions and exclusions under United India Health Insurance policies. Look at the table below for a quick overview of what is included and excluded in United India Health Insurance Plans:
| Inclusions | Exclusions |
|---|---|
| Illness and injuries | Pre-existing diseases |
| Pre & post-hospitalisation expenses | Specified diseases and treatments |
| Daycare facility | Rehabilitation and respite care |
| AYUSH treatment | Obesity/ weight control treatment |
| Modern treatments and advancements in technology | Change-of-gender treatment |
| Road ambulance cover | Cosmetic or plastic surgery |
| Ayurvedic/ Unani/ Homeopathic treatment | Injuries from hazardous sport |
| Organ donor treatment | Unproven treatment |
| Donor expenses | Sterility and infertility |
| Daily cash allowances on hospitalisation | Self-inflected injury or attempted suicide |
| Maternity cover | Vaccination (unless the animal bite) |
The inclusions and exclusions may vary depending on your choice of UIIC Health Insurance policy. We suggest you review the policy terms and conditions in detail while purchasing a plan.
Why Buy United India Health Insurance Plans?
More than 25 health insurance companies are available in the market. Among them, United India Health Insurance offers various benefits to its customers that make it a suitable choice for health insurance seekers. Have a look at the reasons why you should choose United India Insurance Company Limited as your health insurance provider:
- Varied insurance coverage from bullock carts to satellites.
- Offers credit insurance policy
- Health insurance plans for individual and family
- Comprehensive health cover
- Affordable premium for every customer
- Cashless hospitalisation and reimbursement
- Check policy status online
- 24 Lakhs+ claims settled
United India Health Insurance Buying Process
You can purchase a United India Health Insurance policy directly from the official website of United India Insurance Company Limited and the trusted RenewBuy advisors. Follow the given steps to buy a United India Health Insurance policy:
Buy from "RenewBuy.com"
- Visit the official website of "RenewBuy".
- Click on the "Health Insurance Plan" tab.
- Select the desired plan.
- Fill in all the required details.
- Click on the "Buy Now" button.
- Make payment.
- We will send the policy documents to your registered email ID.
Buy from the Official Website of United India Health Insurance
- Visit the official website of United India Insurance Company Limited.
- Go to the ‘Product’ section on the top menu bar.
- Select the required policy from the ‘Health Insurance’ drop-down menu.
- The new window leads you to the customer portal. Login/ register using the required details.
- Customize the coverage and other policy options and click ‘Get Quote’.
- Once done, the policy details are displayed.
- Proceed with the payment using the preferred mode.
- Once done, the policy documents will be shared at your registered email address.
Factors to Consider While Buying United India Health Insurance
Selecting a health insurance plan can be challenging and stressful for many individuals. Certain factors are important when comparing different health insurance plans to maximize the benefits. Below are key factors you should consider before purchasing a health insurance policy.
Covered Members
First, you must check whether the plan covers your personal requirements or secures your family. To cover the family, you need to select a family floater plan, which is usually cheaper than the individual plans.
Base Cover
Health insurance can be the financial guide if any medical condition arises for you or your family. To beat the medical inflation with every passing year, you need to select a sum sufficient to cover your medical expenses.
Network Hospital
The network hospitals list is available on the health insurance provider's official website. You can download it and check which hospitals are included in your policy.
Comprehensive Coverage
Depending on your requirements, you can select a plan that covers different types of treatments, expenses incurred under hospitalisation, donor cover, sub-limit for various treatments, coverage against modern treatment, ambulance cover, and other optional coverage.
Waiting Period
Before proceeding ahead, check the waiting period you need to wait to claim the reimbursement. Depending on the policy, different waiting periods are set to make the claim available for different treatments.
Lifetime Renewal
Healthcare needs have become crucial with the increasing age. Buying a new policy every year may become stressful. Select a policy that provides lifetime renewal so that the renewal can be completed in just a few clicks.
Annual Premium
Always compare and calculate the premium amount of different policies to get a better deal. This prevents you from spending a higher amount to get adequate coverage.
Why Buy United India Health Plans From RenewBuy?
RenewBuy brings you the best deals on United India Health Insurance plans across the market. The key reasons for you to consider us are as follows:
- IRDAI Certified
- Get Insured by a leading Insurer
- Discounted Premiums
- Compare Various Health Plans in Just a few Clicks
- Simple & Easy Buying Process
- 24x7 Claim Assistance.
How to Renew United India Health Insurance Policy Online?
United India Health Insurance policy renewal is possible online on the official website. By following the given steps, you can easily renew your UIIC medical insurance policy in just a few clicks:
-
Visit the official website of United India Health Insurance.
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Go to the ‘Products’ section, which is available on the top menu bar.
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Select the required policy to renew. A new window will open.
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Provide the policy number and click on ‘Proceed’.
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Check out the policy and premium details and pay using the suitable option.
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Upon successful payment, the renewed policy details will be sent to your registered email address.
How to Claim United India Health Insurance?
United India Health Insurance offers a simple and efficient claim settlement process to make the claim process easier for customers. You can follow the given steps to raise and process the claims:
Process for Cashless Claims
- In a medical emergency, the insured needs to be hospitalised in a network hospital. To do so, fill out a cashless request form with treatment details and send it to the health insurer or the authorized TPA.
- After receiving the cashless claim request from the insured or the hospital, the health insurance provider issues a pre-authorisation letter to the hospital after verification.
- During discharge, the insured needs to verify the treatment details and sign the discharge papers. Also, the insured should pay for the uncovered expenses.
- Upon discharge, the United India settles the claim amount for covered treatment directly with the hospital.
Process for Reimbursement Claim
- The insured needs to submit the necessary documents to TPA or the company within the prescribed time limit, depending on the treatment received.
- Intimate the TPA or health insurer within 24 hours in case of emergency hospitalisation and 48 hours prior to hospitalisation in case of planned treatment.
- Submit the required documents to support your claim.
- A co-payment of 5% on every claim made is applicable under the policy.
- The United India Health Insurance Company settles or rejects a claim within 30 days of receiving the last document.
Required Documents for Reimbursement of Claim
Submit the following documents within the prescribed time limit to support the United India Health Insurance reimbursement claim:
- Duly filled claim form
- Proof of identity of the patient
- Prescription by medical advisor for admission to the hospital
- Original bills
- Payment receipt
- Discharge summary
- Diagnostic test report with prescription as attended by the practitioner
- MLR and FIR (as per requirement)
- Any other supporting documents
United India Health Insurance Contact Details
For any queries regarding UIIC health insurance policy and claims, the insurance seeker or the policyholder can connect with the customer care team at the contact details below:
| Email ID | customercare@uiic.co.in |
| Phone Number | 044 28575200 |
| Registered Address | United India Insurance Co. Ltd. 24, Whites Road, Chennai - 600 014 |