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United India Health Insurance

United India Insurance Company Limited is one of the market leaders in providing health insurance solutions. Their other insurance products include motor, marine, fire, personal accident and rural insurance. They have around 30 regional offices and 661 branch offices across the country. The various United India Health Insurance policies include Family Medicare, Gold, Individual Mediclaim, Platinum, Senior Citizen, Super Topup, Topup, UNI Criticare, and Workmen Medicare Policy.

Features & Benefits of United India Health Insurance

  • Easy online purchase - All United India Health Insurance policies can be easily purchased online by following a simple set of guidelines. Apart from purchase, policies can also be renewed online and claims can be made through their website.
  • Comprehensive medical cover - The various health insurance policies provided by United India provide complete coverage including hospitalization expenses, room rent, ICU charges, and special discount offers. The policies also provide a wide range of add-on options.
  • No claim bonus - Policyholders are also eligible to avail a no claim bonus discount at the time of renewing the policy. This discount is offered on all the different plans available under United India.
  • Cashless hospitalization - United India has an extensive network of cashless network hospitals where customers can avail good quality health services without any hassles. Claims can be made for cashless claim services in case of planned medical treatment or medical emergencies.
  • Free medical check-up - United India offers customers the facility to get a free medical check-up at regular intervals. These preventive health care check-ups are complete packages that test for overall blood picture, scanning, HIV, and other basic tests.
  • Pre-hospitalization cover - The policyholder can avail the costs incurred before hospitalization such as medical expenses, consultation charges, etc. These expenses can be covered up to a period of 30 days.
  • Ambulance fee - Coverage will be provided for transportation charges to the hospital in question from the spot of the emergency. The charges incurred towards ambulance travel will be reimbursed.
  • 24/7 customer support - The customer support team at United India provides customers support services relating to purchases, claims, renewals, etc. Customers can contact the customer care team at any time during an emergency.

Plans provided by United India Health Insurance

Plan Name Plan Basis(individual, family, etc) Sum Insured (Min and Max)
Family Medicare Individual & family Min: Rs.1 lakh Max: Rs.10 lakh
Family Medicare 2014 Individual & family Min: Rs.2 lakh Max: Rs.10 lakh
Gold Individual & family Min: Rs.1 lakh Max: Rs.5 lakh
Individual Mediclaim Individual Can be increased at the time of renewal
Platinum Individual & family Min: Rs.1 lakh Max: Rs.10 lakh
Senior Citizen Individual & family Min: Rs.1 lakh Max: Rs.10 lakh
Super Topup Individual & family Policyholder can choose from the various sum assured options
Topup Individual & family Policyholder can choose from the various sum assured options
UNI Criticare Individual Min: Rs.1 lakh Max: Rs.10 lakh
Workmen Medicare Policy Individul Min: Rs.1 lakh Max: Rs.1.5 lakh

*Premiums may vary depending upon factors like age, location, term of the plan and prevailing taxes/GST.

Family Medicare

The Family Medicare policy provides comprehensive coverage to the policyholder and his/her family. This includes hospitalization expenses, pre-hospitalization expenses, day care treatment, and Ayush treatment, apart from other benefits and add-ons.

Unique Features of Family Medicare Plan

  • Policyholders can claim Income Tax exemption for the premium amount paid under Section 80D of the Income Tax Act
  • The Family Medicare plan offers a free-medical check-up facility to policyholders after the completion of 3 underwriting years with no claims
  • Customers can avail high-quality cashless hospitalization services across the country. United India is equipped with over 7,000 cashless hospital networks across the country
  • A 15-day free look period will be provided to customers at the time of purchase of the policy
  • Policyholders can avail a special 3% no claim bonus discount post the completion of 3 claim-free years
  • Coverage will be provided for certain specified day care treatment procedures that may require the patient to be admitted for a short period of time
  • A total of 10% of the sum assured will be provided to the policyholder towards pre and post hospitalization expenses
  • A total of 1% of the sum insured can be used for nursing, boarding, and room expenses

Plan Details

Policy Term 1 year
Entry Age Between 18 years to 80 years; children can be aged between 3 months and 18 years
Plan Basis Individual and family, self, spouse, children who are dependent
Sum Insured Range Min: Rs.1 lakh Max: Rs.10 lakh
Medical Screening A must for those who are above 45 years of age
No Claim Bonus No claim discount of 3%

Family Medicare 2014

The Family Medicare 2014 plan is an enhanced health insurance policy that covers all members of the family including spouse and dependent children. This policy provides coverage even for certain ayurvedic treatments.

Unique Features of Family Medicare 2014

  • The cost incurred toward any kind of ayurvedic treatments provided by an established government hospital or those hospitals certified by the Council of India or National Accreditation Board on Health.
  • Cashless facilities can be availed across the country
  • Tax exemption will be applicable for the premium paid under Section 80D of the Income Tax Act
  • Free medical check-up facility will be provided for those who have successfully completed 3 claim free years
  • Policyholders will be eligible for a no claim discount of 3% after the completion of 3 claim free years
  • Both pre-hospitalization and post-hospitalization expenses will be covered

Plan Details

Policy Term 1 year
Entry Age Between 18 years to 80 years; children can be aged between 3 months and 18 years
Plan Basis Individual and family, self, spouse, children who are dependent
Sum Insured Range Min: Rs.2 lakh Max: Rs.10 lakh
Medical Screening A must for those who are above 45 years of age
No Claim Bonus No claim discount of 3%

Gold

The Gold health insurance plan is also a family policy with an entry age of 36 years. It covers certain major surgeries, organ donor hospitalization expenses, ICU charges and add-ons like ambulance charges cover and daily allowances.

Unique Features of Gold Plan

  • This policy provides coverage for the fees incurred towards specialist, surgeons, consultants, anesthetists, and other medical practitioners
  • Nursing, boarding and room charges will be covered
  • Other in-hospital charges such as blood, x-ray, anesthetic, medicines, dialysis, etc will be taken care of
  • Both post-hospitalization and pre-hospitalization expenses will be reimbursed under the policy
  • Tax exemption provided
  • Policyholders can avail cashless hospitalization facility
  • Customers can avail free medical check-up if there have been no claims made for three years consecutively
  • A 15-day free look period will be provided at the time purchase of the policy
  • Ayush treatment can be availed under the policy and the customer can also benefit from day care treatment coverage

Plan Details

Policy Term 1
Entry Age Those aged between 36 to 60 years; children can be aged between 3 months and 18 years
Plan Basis Individual and family
Sum Insured Range Min: Rs.1 lakh Max: Rs.5 lakh
Medical Screening Must for those above 45 years of age
Discounts A 5% discount for the family policy

Individual Mediclaim

The Individual Mediclaim Plan will provide coverage to medical expenses incurred by an individual. This covers hospitalization expenses, boarding, consultation and other charges including surgical appliances, operation theatre fees and cover for diagnostic expenses.

Unique Features of Individual Mediclaim Plan

  • This policy provides coverage to certain specified diseases such as arthritis, tonsillitis, psychiatric problems, influenza, epilepsy, diabetes mellitus, diarrhea, chronic nephritis, asthma, bronchitis
  • Both pre-hospitalization and post-hospitalization expenses will be covered
  • Other expenses that will be taken care of under the policy include nursing, boarding, room, surgeon, and specialist fees
  • All charges incurred toward diagnostic materials, oxygen, anesthesia, pacemaker, etc will be covered under the policy

Plan Details

Policy Term 1 year
Plan Basis Individual
Discounts Family discount of 5%

Platinum

The Platinum health insurance policy is a comprehensive health insurance plan that is designed for the younger generation. The age limit of this plan is 35 years.

Unique Features of Platinum Plan

  • The policyholder is eligible to avail a tax exemption under Section 80D of the Income Tax Act
  • Free medical check-up services will also be provided if no claim is made for 3 years
  • Upon purchase of the policy, a free look period of 15 days will be given
  • Cashless services can be availed from the wide network of more than 7,000 cashless network hospitals
  • The policyholder can also obtain coverage for Ayush treatment, day care expenses, pre-hospitalization and post-hospitalization expenses
  • Expenses incurred towards nursing, ICU, and boarding will be covered

Plan Details

Policy Term 1 year
Entry Age Those ages between 18 to 35 years
Plan Basis Individual and family
Sum Insured Range Min: Rs.1 lakh Max: Rs.10 lakh
Medical Screening Must for those above 45 years of age
Discounts 5% family discount

Senior Citizen

Specially designed for the older generation, this plan has been formulated keeping in mind the healthcare needs of senior citizens.

Unique features of Senior Citizen plan

  • Tax exemption can be claimed under Section 80D of the Income Tax Act
  • Senior citizens covered under this policy can undergo a free medical check-up if no claims are made for 3 years
  • When the policy is purchased, a 15-day free look period will be offered
  • Services can be availed at cashless network hospitals across the country without any hassles
  • Those undergoing Ayush treatment can avail coverage under the policy, apart from daycare treatment coverage
  • Any expenses incurred before hospitalization will be covered for a period of 30 days prior to hospitalization.

Plan Details

Policy Term 1 year
Entry Age Between 61 to 80 years
Plan Basis Individual and family
Sum Insured Range Min: Rs.1 lakh Max: Rs.10 lakh
Co-Payment 20% in case of serious illnesses
Discounts 5% discount on additional membership

Super Topup & Topup plan

This health insurance policy provides policyholders the added benefit of extra coverage in addition to their already existing health insurance plan. The Super Topup and topup plan will come as a boon if the existing health insurance policy is exhausted, claims have been made or if the policyholder is looking for more coverage.

UNI Criticare Plan

This is a critical illness plan that offers coverage to as many as 11 serious illnesses. Once the policyholder is diagnosed with one of these illnesses, a lump sum amount will be given out once during the policy tenure.

Unique features of UNI Criticare Plan

  • This plan covers cancer, heart attack, paralysis of limbs permanently, permanent motor neuron disease, bone marrow or major organ transplants, stroke with permanent symptoms, kidney failure, replacement of heart valve, coronary artery surgery
  • When the policy is purchased, a free look period of 15 days is given
  • Tax exemption will be provided under Section 80D of the Income Tax Act

Plan Details

Policy Term 1 year
Entry Age Those aged between 21 and 65 years
Plan Basis Individual
Sum Insured Range Min: Rs.1 lakh Max: Rs.10 lakh
Waiting Period 90 days

Workmen Medicare Policy

This health insurance policy is specially designed for factory workers and labourers. It provides coverage in case of an accident or unfortunate event that occurs during the course of work.

Unique Features of Workmen Medicare Policy

  • Up to 1% of the sum insured can be used towards nursing, room charges, and boarding expenses
  • Other charges that will be covered during hospitalization includes the charges incurred as fees given to specialists, surgeons, anesthetists and medical practitioners
  • A sum of Rs.2,500 will be allotted towards ambulance fee charges

Plan Details

Entry Age Those aged who are employed in factories etc
Plan Basis Individual
Sum Insured Range Min: Rs.1 lakh Max: Rs.1.5 lakh
Waiting Period 90 days

Checklist before Buying United India Health Insurance

  • The first step is to choose the right policy depending on the various personal and health needs of the policyholder
  • Take all the factors into consideration like the sum insured, premium amount, coverage provided and add-ons offered by each plan under United India and choose one that best suits personal and family needs
  • It is important to take a complete medical test to see where you stand and choose a policy that suits your health needs
  • Check out the list of network hospitals provided
  • Read the policy document completely
  • Keep all documents ready

Documents Required for Purchasing United India Health Insurance

  • Identity proof document such as PAN, Driving License, etc
  • Any government issued document that provides the proof of age
  • Address proof
  • Medical certificate for certain plans

Reasons to choose United India Health Insurance

User-friendly
Cashless claim hospitals
Easy claim settlement
Good coverage
Wide range of add-ons

Incurred Claim Ratio of United India Health Insurance

Incurred claim ratio basically refers to percentage of claims that are successfully solved by the insurance company in a given financial year.

Year Incurred Claim Ratio
2015-16 122.25%

Extra Benefits from United India Insurance

Vigilance department United India Health Insurance has a vigilance department through which customers can lodge complaints in case of any issues. Complaints can be lodged against the employees of the company.
Grievance Management System United India has a unique Grievance Management System (GMS) through which customers can list out their problems online through the GMS online.
Information desk The information desk on the United India General Insurance provides a wide range of information relating to insurance.

United India Health Insurance Renewal

Health insurance policies can be easily renewed online. Let us understand the steps involved in renewal:

  • Log on to the United India General Insurance website and go to the health insurance section
  • Choose the ‘renew online’ option and proceed to fill in policy details
  • Go on to make the payment
  • The policy will be renewed in a matter of minutes and a confirmation mail will be sent to your registered mobile number and email ID.

United India Health Insurance Network Hospitals for Cashless Treatment

United India is equipped with as many 7,000 network hospitals across the country, where customers can avail high-quality medical treatment without any inconvenience. The insurance company has collaborated with various established and well-reputed hospitals where planned and emergency services can be obtained.

Claim Procedure for United India Health Insurance

Let us understand how to make a cashless claim:

  • Inform the insurance provider
  • In the hospital, the health insurance card needs to be presented as proof
  • The insurance provider will have to approve the claim
  • All bills will be paid by the insurance company directly to the empanelled hospital

Let us understand how to make a reimbursement claim:

  • Fill in the duly signed claim form
  • Keep all documents ready including bills, invoices and discharge summary
  • Make all submissions
  • Reimbursements will be made in seven working days

Terms and Conditions of the Insurer

  • The claims paid will only be done so in Indian currency
  • Medical treatment can only be availed in India and not in any foreign country
  • The insurance provider can at any point of time make changes, revise and alter the premium as per IRDA guidelines
  • The insurance provider has the right to order the cancellation of the policy in case the insured has provided any kind of false information or has misrepresented facts at the time of purchase of the policy
  • A policyholder can seek an increase in the sum insured at the time of renewing the policy or in writing, However, this is at the discretion of the insurance provider.