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  • United India Health Insurance

    Health Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    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.

    United India Health Insurance HighlightsUpdated on 21 Oct 2018

    Factor Details
    Health insurance plans Ten unique health insurance plans
    Special health insurance plans
    • Senior Citizen plan
    • UNI Criticare
    • Workmen Medicare policy
    E-services offered
    • Policy renewal through mobile
    • Payment status verification online
    • Instant policy renewal on official website
    Branch offices 1,340 offices
    Incurred claims ratio (2016-17) 138.51%
    Network hospitals More than 7,000 hospitals

     

    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
    2016-17 138.51%

    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.

    This insurance company/organisation is not a partner of Bankbazaarinsurance.com. The content provided here is for informational purposes only. Readers should visit the branch office/website of the insurer for more details. The logos, trademarks, and other intellectual property on display belong to their respective owners.

    United India Health Insurance Reviews

    • review Health Insurance
      "Should tie up with many hospitals"
      0.5 3.0/5 "Satisfactory"
      I had small toe surgery, at that time the particular hospital was not in tie up with United India. So I requested for the reimbursement, nearly they have taken one year of time to complete the process. At last I got 100% of settlement. I would suggest them to expand the networks of hospitals. My corporate company issued the medical cover of Rs. 5 lakhs for my whole family.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 12, 2018
    • review Health Insurance
      "Good for Health"
      0.5 4.0/5 "Great!"
      My ex employer gave me United India health policy, they have informed me the medical cover for Rs.3 lakhs it covers for me and my spouse, they do have cash less hospital in good reputed hospital. I never gone through any claim, just I have received the medical card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 11, 2018
    • review Health Insurance
      "Yet to Experience policy"
      0.5 5.0/5 "Blown Away!"
      There is no claim experience with the United India health insurance policy. My employer has provided the policy to me. This policy has provided for myself and my family. I have utilized the policy upto Rs. 2 lakhs. Since the company pays the premium, i do not aware of the premium amount. I have not gone through about the hospital list.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 04, 2018
    • review Health Insurance
      "Yet to apply for the claim"
      0.5 3.5/5 "Pretty good"
      Since I'm working in a MNC company, my employer has provided me a health insurance policy. They have offered me a insurance policy for me and myself. The premium amount will be deducted from my salary. My parents have coverage amount upto Rs. 5 lakhs and for me upto Rs. 20 lakhs. I had no claim experience as of now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 03, 2018
    • review Health Insurance
      "AVERAGE"
      0.5 2.0/5 "Expected more"
      The particular reason for purchasing the health insurance policy with UNITED INDIA INSURANCE is because they are providing the lower premium and they have offered the medical coverage of 50k which is for self. but i have not experienced with any claim with this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 29, 2018
    • review Health Insurance
      "Worst customer service"
      0.5 1.0/5 "Really Bad"
      They are providing the very worst customer care. I have 20 years health insurance policy in United India. I had a claim experience once. They had very complication in their claim process. Its too tough get the amount for the claim. I have submitted all the bills through courier after i have received the claim amount in the bank account. It will take 1 month to receive the claim amount. Totally i'm fed up with United India health insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 27, 2018
    • review Health Insurance
      "Excellent cashless policy"
      0.5 5.0/5 "Blown Away!"
      My employer has provided the health insurance policy with United India. Last year i have got this policy anad it will be renewed on every september. I have got a medical coverage of Rs. 5 lakhs for myself and my family. Its having good list of hospital which is available in my city. Cashless hospitalization facility is included in this policy
      Was this review helpful? 0
      , noida
      Reviewed on Sep 23, 2018
    • review Health Insurance
      "Not recommendable policy"
      0.5 1.0/5 "Really Bad"
      They have mentioned the policy itself that they are provided the cashless facility. Last year i have purchased this policy. I have taken the policy for me and my spouse. I pay the premium amount of Rs. 25000. This policy covered with the pre-existing disease. Upto 9 lakhs, i can utilizing the services.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 22, 2018
    • review Health Insurance
      "Excellent policy"
      0.5 4.0/5 "Great!"
      I have not gone through the cashless facility anyway they have offered me that features. 2 years continuously i have been using the health insurance policy with United Insurance. I have not faced any problem while I'm applying for the claim. The premium amount is nominal compared to others. I have taken the policy for my family. I have got a claim amount of Rs. 25000 anyway the claim amount can be used upto Rs. 3 lakhs.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2018
    • review Health Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I am holding the corporate policy of health insurance from UNITED INDIA INSURANCE where i am using since last 18 years added on that they offer the medical coverage of 4 lakhs which covers for the entire family. I had no claim experience with this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 08, 2018
    • review Health Insurance
      "EXCELLENT"
      0.5 4.5/5 "Excellent!"
      I am holding a corporate policy of health insurance from UNITED INDIA INSURANCE from last 7 years also they provide the medical coverage of 6lakhs for me and my spouse also for my child and 4 lakhs for my father and mother. I had a claim experience for my father but it is reimbursement of 70-75years and it took long time to credit.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 07, 2018
    • review Health Insurance
      "BEST POLICY"
      0.5 5.0/5 "Blown Away!"
      I had been using the health insurance policy with UNITED INDIA INSURANCE where i had experienced with claim and the process of claim is fast added on that it is a cashless. They provided the coverage for the entire family and the medical coverage they provide of 3 lakhs rupees.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 04, 2018
    • review Health Insurance
      "Very Good policy"
      0.5 5.0/5 "Blown Away!"
      I used the policy once. They have responded very quickly. They have given 100% claim. I have received the claim with in a short span of time. My employer has provided me a health insurance with United India. I already interacted with the cashless treatment. I have got a insurance policy for me and my family both. I can claim upto Rs. 7 lakhs for a whole family in a year.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 03, 2018
    • review Health Insurance
      "There are hidden terms and conditions in the policy"
      0.5 3.0/5 "Satisfactory"
      My company has provided a health insurance for me and my family. They are providing a premium amount of Rs. 12000 per year. I can utilize the policy upto Rs. 3 lakhs. I have not experience of any claim as of now. There are lots of terms and conditions hence i have called the customer care service to understand the same. I have called the customer many times, but its always busy. They are providing a cashless treatment policy critical illness only..
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 26, 2018
    • review Health Insurance
      "Everything fine with the policy"
      0.5 5.0/5 "Blown Away!"
      I have bought my health insurance policy before 12 years. I have made a premium amount of Rs. 7000 approximately. They have offered me a claim amount of Rs. 3 lakhs. I have taken this policy myself and my family. I had no claim with them hence i have not contacted the customer care services.
      Was this review helpful? 0
      , jodhpur
      Reviewed on Aug 22, 2018
    • review Health Insurance
      "BELOW AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I have been using my health insurance policy from UNITED INDIA INSURANCE from long back years and it is my corporate policy. I had a claim once in this policy but it is a reimbursement of lakhs 30k but i got only 20k as a reimbursement but i can claim upto 2lakhs so i am not satisfied with this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 21, 2018
    • review Health Insurance
      "Good to have health insurance policy"
      0.5 4.0/5 "Great!"
      My company has provided this health insurance policy to me. They have provided the policy 1 year back. I'm not sure about the premium amount whatever they provided from my company. I can claim upto Rs. 1 lakhs by using this policy. Through online portal, i have claimed my policy. I have made call to raise a request in customer care. They have provided the policy for me and my dependent.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 21, 2018
    • review Health Insurance
      "GOOD POLICY TO USE"
      0.5 4.0/5 "Great!"
      I have been using my health insurance from UNITED INDIA INSURANCE my friend suggested me this insurance policy. I am holding it from last 3 years but i had no claim experience with this health insurance policy. The medical coverage is for upto10lakhs incase of loss of life can claim upto 25lakhs added on that this covers only for self. I am satisfied with the hospital list.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 16, 2018
    • review Health Insurance
      "Get a health insurance policy and save your family"
      0.5 4.5/5 "Excellent!"
      Whenever my family members admitted in the hospital, they are giving 80% claim for the first year. From the 3rd year, i will get 100% of the claim. My company provided this health insurance for my also. I can avail the claim amount of 3 lakhs. Maximum i will avail cashless treatment. If we admit in the hospital for emergency basis, they are not giving a claim for the check up, diagnosis though its not a major issue.
      Was this review helpful? 0
      , mohali
      Reviewed on Aug 14, 2018
    • review Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      From UNITED INDIA INSURANCE i have been using the health insurance from last 2009 the documentation i have done through the offline. I had a claim experience and i had a claim for the nearly 50k-60k. I had a free health checkup and i have not availed it.
      Was this review helpful? 0
      , boisar
      Reviewed on Jul 28, 2018
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