"Spending a whole day looking for insurance is fun," said nobody, EVER!
    Close

    We need a little info to line up the best health insurance quotes for you!

    United India Health Insurance

    Car 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.

     

    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.

    United India Health Insurance Reviews

    • review Health Insurance
      "Prompt in Checkling Claims"
      0.5 5.0/5 "Blown Away!"
      I have been using all their policy. I have claimed this policy for my wife. I don't have to pay anything. It is a cashless transaction and it is a company covered policy. I can avail a policy upto Rs. 20 lakhs. I have settled all my bills and they will do claim. They are very helpful. Quick settlement.
      Was this review helpful? 0
      , chennai
      Reviewed on May 15, 2018
    • review Health Insurance
      "Better Protection"
      0.5 4.0/5 "Great!"
      I have corporate plan with United India, they gave me the medical coverage Rs. 4 lakhs for entire family, they got tie up good networks of hospital. They do have cash less hospitalization for all the diseases including maternity. I got the policy cover and e card from the insurance company.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Mar 05, 2018
    • review Health Insurance
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I got health insurance from my company, the insurance provider name is called United India Insurance by medi assist. I got the policy copy from their end. They have cash less treatment in reputed hospitals which is located in the location. They gave me total medical coverage of Rs. 3 lakhs, for five members in my family.
      Was this review helpful? 0
      , bathinda
      Reviewed on Mar 05, 2018
    • review Health Insurance
      "happy"
      0.5 5.0/5 "Blown Away!"
      I had applied and using Health insurance policy from UNITED INDIA INSURANCE through a on line partner since five years. I am totally satisfied by their polices and claim procedures. I have a positive claim experience. They approved my claim request with in two days which makes me very happy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • review Health Insurance
      "a corporate good policy"
      0.5 4.0/5 "Great!"
      Actually i had a corporate health insurance policy in UNITED INDIA INSURANCE company. The total sum assured is 9 lakhs. It is my individual policy. The customer service is good and well responsive. I strongly recommended their services to my friends and relatives. I didn't have any claim experience so i cant able to comment on it.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Feb 16, 2018
    • review Health Insurance
      "Can be more quick in the claim"
      0.5 4.0/5 "Great!"
      I have a corporate health insurance for my family and I. I had a claim once and it was a very long process. Though there is a cashless facility, I could not use the same as the hospital was not in the net work list. So I had to pay and take a reimbursement. I had to wait for three to four months to get the claim.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 03, 2018
    • review Health Insurance
      "Average"
      0.5 2.5/5 "Just OK"
      My existing health insurance policy is from united it is an individual policy for my family members. Everyone has their different policies. Hence if it were group policy it would have been highly benefited. I have taken the claim from third party, so hence I would like to rate it average.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jan 23, 2018
    • review Health Insurance
      "Can be more quick in services"
      0.5 3.0/5 "Satisfactory"
      United India insurance was not on time to send me the medical cards. I have taken a health insurance. The website is also not up to the mark. They have given a good medical coverage. There are benefits for the cash less facility and there is a no claim bonus too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    Common Loader Icon