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United India Health Insurance

United India Insurance is one of the most popular general insurance companies in India. It was formed as a merger of 22 companies with their headquarters in Chennai.

United India Health insurance is known for its affordable and customized policies, for the Indian insurance market. United India offers Health Insurance Policies that offer you a peace of mind along with the best medical treatment in Network Hospitals. Furthermore, the insurer has been accredited by ICRA for its high claim paying ability and high solvency margin ratio.

United India Health Insurance at a Glance

Key Features Highlights
Incurred Claim Ratio 107.06%
Network Hospitals 7000+
Waiting Period 48 months
Ayush Treatment Included

Key Features of United India Health Insurance Plans

Some of the salient features of United India mediclaim policies are listed below-

  • Cashless medical treatment in more than 7000 hospitals across India
  • Free medical check-up after completion of 3-consecutive claim-free years
  • 5% of family discount on the premium paid for self, spouse and dependent children under one plan
  • 15 days of free look period is provided from the date of policy inception. During this period you can analyze the policy benefits and decide if you want to continue with the policy or not.
  • Tax exemption on the total premium paid for both the individual and family plans

United India Health Insurance Plans Comparison Table

Plan Name Entry Age Criteria Waiting period for Pre-existing Diseases Coverage Type Sum Assured (Rs.)
United India Family Medicare Policy Adults: 18 to 80 years

Children: 3 months to 18 years

48 months Family Floater 1 to 10 lacs.
United India Family Medicare 2014 Policy Adults: 18 to 80 years

Children: 3 months to 18 years

48 months Family Floater 2 to 10 lacs.
United India Gold Policy Dependent Children: 3 months to 18 years

Adults: 36 to 60 years

48 months Dependent children can be covered if any of the parents is covered in the plan 1 to 5 lacs.
United India Senior Citizen Health Insurance Plan Dependent Children: 3 months to 18 years

Adults: 61 to 80 years

48 months Dependent children if either or both the parents are concurrently covered in the same plan 1 to 3 lacs.
United India Individual Medi-claim Policy NA 48 months Individual Refer to the policy wordings
United India Platinum Plan Dependent Children: 3 months to 18 years

Adults: 18 to 35 years

NA Dependent children if either of the parents is covered in the same plan 1 to 10 lacs.
United India Top-up/ Super Top-up Plan Dependent Children: 3 months to 18 years

Adults: 18 to 80 years

48 months Individual/Family Floater 1 to 10 lacs.
United India Workmen Medicare Policy NA NA Individual 1 to 1.5 lacs
United India UNI Criticare Health Insurance 21 to 65 years 90 days NA 1, 3, 5 & 10 lacs.

Types of United India Health Insurance Plans

  1. United India Family Medicare Policy- Cover yourself, your spouse and dependent children under a single sum insured. Expenses incurred on Ayush treatment are also covered.
  2. United India Family Medicare 2014 Policy- The plan covers hospitalization expenses and daycare treatment costs. Expenses incurred on non-allopathic treatments are also covered.
  3. United India Gold Policy- Anyone between the age group of 36 and 60 years can buy this plan. The parents can also get their dependent children covered in this plan, provided the age of the children is between 3 months and 18 years.
  4. United India Senior Citizen Health Insurance Plan- This policy is for senior citizens who are aged between 61 and 80 years. Both allopathic and Ayush treatments are covered in this plan.
  5. United India Individual Mediclaim Policy- In addition to the hospitalization expense, it also covers daycare surgeries, domiciliary hospitalization, and Ayush treatment expenses.
  6. United India Platinum Plan- This plan by United India health insurance is for the younger generation aged between 18 and 35 years. The plan covers hospitalization expenses incurred on any illness, injuries and daycare treatments.
  7. United India Top-up/Super Top-up Plan- Enhance your basic coverage with this plan. It is useful when you already have a policy but wish to increase the coverage at a minimal premium.
  8. United India Workmen Medicare Policy- Factory owners, commercial establishments and contractors can buy this plan for their employee’s provider medical cover in case of an during the course of the employment.
  9. United India UNI Criticare Health Insurance- 11 critical illnesses are covered in this plan. The payment is done in the lump sum upon diagnoses of any of the specified critical illnesses during the policy term.

 United India Health Insurance Claim Procedure

Cashless claims are only valid for policies that are serviced by a Third-party-administrator:

  1. Firstly, check if the hospital in which you are planning to take the treatment falls under the list of networked hospitals or not. As you can only avail cashless medical treatment in the hospitals that are registered with United India health insurance
  2. If the treatment was planned well in advance, notify the TPA dept. in advance with all the details such as the hospital name and address
  3. If it is an emergency case, notify the TPA immediately after the admission
  4. Once admission is taken in the hospital, a pre-authorization request form needs to be filled and signed by you and sent to the Third-party administrator by the hospital. The form has all the details regarding the admission, treatment, disease, proposed treatment, and cost estimation.
  5. TPA ask for further clarifications ( as the case may be)
  6. Once you get a discharge from the hospital, you have to pay the remaining amount (if any)
  7. Claim for expenses incurred before and after the hospitalization can be claimed separately post-treatment.
  8. Submit the original copies of all the documents to the TPA department. Make sure the submission is done within seven days of the post-hospitalization treatment.

For Reimbursement Claims-

  1. Send a written notification to the TPA/or at the nearest United India branch about the hospitalization. In emergency cases, intimation should be sent within 24 hours.
  2. While getting discharged, collect the discharge summary, investigation reports and all the other relevant documents from the hospital authorities. Submit all the original documents at the office or to the TPA within 7 days of discharge.
  3. Collect and submit the documents such as claim form, final hospital bills, discharge summary, doctor’s prescriptions & certificates, investigation reports, invoices, pharmacy bills etc.
  4. The expenses incurred on pre and post hospitalization expenses can be claimed later. Do remember to provide all the documents within a week of post-hospitalization treatment.

United India Health Insurance Renewal

The renewal of the policy should be done at least a month before its expiry date. If it lapses you will lose your cumulative bonus and the waiting period will also start afresh.

The process to renew United India Health Insurance policy is quite simple. The steps are listed below-

  • Enter your policy number
  • Submit all the required details
  • Select your united India health insurance quote
  • And make the payment online

Before renewal, it is advised that you read United India Health Insurance reviews online and then make the purchase.

Inclusions of United India Health Insurance Plans

Compensation is provided for the following expense. This is just an overview, for detailed knowledge please refer to the policy wordings-

  • In-patient, pre and post hospitalization expenses are covered
  • Room rent charges, nursing expenses, ICU charges are recompensed
  • Fees charged by the medical practitioner, surgeon, consultants, anesthetist, and specialists
  • Other expenses include- the cost of surgical appliances, blood, anesthesia, medicines, operation theatre charges etc.
  • Also includes the cost of radiotherapy, chemotherapy, dialysis, cost of artificial limbs, orthopedic implants, and cost of other prosthetic devices such as a pacemaker, vascular stents etc.
  • Expenses incurred on diagnostic tests, x-ray, blood tests, and similar procedures that are required during the hospitalization.
  • Organ donor expenses
  • Expenses incurred on surgical procedures required for hernia, cataract, and hysterectomy up to a specified limit
  • Major illness/surgeries as specified in the plan
  • Specific day care treatments that require less than 24 hours of hospitalization
  • AYUSH Treatment taken in a government  recognized hospital or Institute

Exclusions of United India Health Insurance Plans

The claim will be rejected under the following circumstances-

  • Cost of nutritional supplements, tonics, vitamins unless required as part of the treatment.
  • Treatment for AIDS, Human Immunodeficiency Virus (HIV), Venereal disease and any kind of STDs.
  • Weight loss procedure and surgeries
  • Self-inflicted injuries and suicidal attempts
  • Any form of plastic surgery unless necessary for the treatment of cancer, burns or accidental bodily injury
  • Intentional self-injury
  • Health ailments or diseases resulting due to war conditions, nuclear radiations etc.
  • An overdose of alcohol, drugs and other forms of intoxication
  • Treatment-related to traceable to pregnancy and similar complications
  • Arising or resulting from you committing any breach of law with criminal intent
  • Treatment required for mental illness and psychological disorders
  • Weight reduction programs
  • Congenital diseases
  • Dental surgeries unless it requires hospitalization
  • Involvement in adventure sports
  • Naturopathy Treatment

Benefits of United India Health Insurance Plans

  • Affordable Medical Insurance Plans-You can avail the best medical treatment in the top hospitals at an affordable cost.
  • Comprehensive Cover- The plans offer extensive coverage to you and your loved ones against major and minor illness, accidents, hospitalization expenses, and critical illnesses.
  • Cashless Treatment-You can avail cashless treatment in more than 7000 hospitals across India.
  • Peace of Mind- Health issues are unpredictable and can be both emotionally and financially distressing. However, with a United India medical insurance policy, you can ensure financial support when an emergency strikes.
  • Seamless Claim Procedure– The insurer follows a speedy and a hassle-free claim settlement procedure. Usually, the approval is given within time provided all the necessary documentation is done.
  • Easy Online Purchase/Renewal- United India mediclaim policies can be easily purchased and renew online. Provided there aren’t any pre-existing medical conditions.

How to Calculate United India Health Insurance Premium?

The cost of the premium depends on the amount of sum assured you have opted for, the type of plan, coverage, deductibles, No-claim-bonus and the like.

The faster, convenient and easier way to calculate the premium is through an online premium calculator. You can use the United India health insurance premium calculator online to know the exact cost of premium within seconds.

Here’s what you need to do-

  1. Enter the policy start date
  2. Enter the policy expiry date
  3. Select the coverage type – Individual or Family Floater
  4. If you want to buy a family plan then select the cover options- Family Floater ( single sum assured) /Individual Family Cover( individual sum assured or each member)
  5. Sum assured amount
  6. Daily cash allowance
  7. Ambulance
  8. Date of birth
  9. Age
  10. Relation with the proposer
  11. Marital Status
  12. And click on Get Quote CTA Button

The online premium calculation is available to people with no pre-existing medical conditions. In case of pre-existing illnesses visit the nearest branch before buying a policy.

Why Buy United India Health Insurance Policy?

Due to the sedentary lifestyle, health ailments are constantly on a rise. This is one of the reasons why health insurance has become a necessity these days.

On every stage of life, there is a new health challenge. You should be prepared to deal with unforeseen health issues that may come up with growing age.

United India offers a range of health insurance policies covering all the possible health risks. You can go for a United India individual plan, United India senior citizen health insurance plan or buy a family floater health insurance plan to provide coverage to your whole family – including parents, children, and extended family.

You and your family can enjoy peace of mind as the insurer will reimburse the medical expenses incurred on the treatment of any illness or disease.

Documents Required for United India Health Insurance Claims

  • Duly filled and signed claim form
  • Pre-authorization form
  • Hospital discharge summary
  • All the bills and receipts
  • All the diagnostic reports
  • Pharmacy bills
  • Doctor’s prescriptions
  • Discharge report

United India Health Insurance FAQs

Q1. What all is covered under United India medical insurance policy?

Usually, United India mediclaim policies recompense the following expenses-

  • Pre-hospitalization expenses and post-hospitalization expenses
  • Ambulance charges
  • In-patient treatment costs
  • Nursing expenses, room rent and boarding charges
  • Doctor Fees
  • Ayush treatment
  • Domiciliary treatment cost
  • Fees charged by the surgeons and medical practitioner
  • Operation theater charges
  • Cost of procedures such as chemotherapy, radiotherapy etc.

Q2. Is cashless hospitalization available in United India mediclaim policy?

Yes, you can avail cashless treatment in more than 7000 hospitals in our country.

Q3. How to file a claim for United India medical insurance plans?

  • The payment should be made in Indian currency only.
  • Immediately inform the insurance company about the hospitalization. If it is an emergency hospitalization, it is required that you notify the insurer within 24 hours of taking the admission.
  • Collect the claim form or download it from their site. Fill the form and submit the signed form along with all the documents to the TPA department. The submission should be done within 15 of getting a discharge from the hospital.
  • In case of a cashless claim, you should submit the pre-authorization cashless form to the Third-party administrator (TPA) department at the hospital where you are undergoing the treatment.
  • If the submission of the pre-authorization form is done soon after the admission you don’t need to give intimation separately.
  • To get reimbursement for your expenses, you should submit all the documents and forms within of discharge from the hospital.

 Q4. Is it possible to renew United India mediclaim policy online?

Yes, it is possible to renew it online. Start by providing your existing 20 digit medical insurance policy number and click proceed. Enter all the other relevant details and once you pick the quote, you can make the payment online using your debit or credit card and via net banking.

Q5. How many illnesses are covered in UNI Criticare plan?

The following illnesses are covered up to a specified limit as mentioned in the plan-

  • First heart attack ( specified severity)
  • Cancer ( specified severity)
  • Heart valve replacement
  • Coronary artery surgery/open chest CABG
  • Kidney failure
  • Coma ( specified severity)
  • Multiple sclerosis
  • Stroke resulting in permanent symptoms
  • Bone marrow/organ transplant
  • Motor neuron disease showing permanent symptoms
  • Permanent paralysis of limbs

Q6. Where should I contact for Grievance Redressal?

In case you have any grievances related to your policy, you can submit in writing to the United India health insurance grievance cell or to the United India Policy Issuing Office for redressal.  If the issue is not addressed, then you can get in touch with the Uni-Customer Care Department & Head Office.

Q7. I have a blood pressure problem; can I still buy United India mediclaim policy online?

No, you will have to visit the nearest branch office, get medical tests done depending upon your age and then buy the policy.

Q8. Does United India medical insurance cover treatments other than allopathy?

Yes, the policy covers AYUSH treatment expenses provided the treatment was taken in a government hospital as per the policy terms and conditions.