UNITED INDIA HEALTH INSURANCE

United India medical insurance provides comprehensive financial covers against a variety of health risks. It not only pays for your medical and surgical costs through its cashless facilities but also offers to reimburse various expenses incurred on illnesses and injuries. One can choose from multiple customised health insurance plans designed for all kinds of customer requirements. 

• 1.2 million policies already issued.
• Pre-existing disease waiting period: 4 years.
• Incurred claim ratio of 56.3%.
• Dedicated claim settlement.
• Grievances solved: 96.59%.
• Tax benefits under Section 80D.
• Lifetime renewability.

United India health insurance from "United India Insurance Company Limited" serves millions across the country through its 7,000+ strong cashless hospital network and 24x7 claim assistance services. 

Features & Advantages: United India Health Insurance Policy

• Comprehensive plans for diverse health insurance needs.
• Some policies offer domestic coverage, and others have global coverage.
• Coverage for individuals, families and senior citizens.
• The total sum assured is paid out to the nominees of the policyholder in case the insured individual passes away because of causes covered by the insurance plan.
• The entire sum insured is returned in case of permanent disability of a body part rendering the sole breadwinner incompetent.
• Additional benefits for dependent kids by paying an extra premium.
• Upper age limit is 80 years (after a medical test).
• Presence across 2,248 locations across India.

United India Health Insurance Plans

1] United India Insurance Family Medicare Policy

• Entry age: 18 to 80 years (3 months for children-at least one parent must be covered).
• Floater policy (covers self, spouse and dependent children).
• Sum assured: 1 to 10 lakh rupees.
• Covers inpatient hospitalisation expenses.
• Pre and post-hospitalisation expenses: Up to 30 and 60 days, respectively.
• ICU charges: Up to 1% of the chosen sum assured.
• Organ donor hospitalisation expenses.
• Health check-ups: Up to 1% of the average chosen sum assured (over three prior claim-free years).
• Ambulance cover: Up to 2,500 rupees (additional payment).
• Daily cash allowance: Up to 5,000 rupees(additional payment).
• No-claim discount of 3% - 15% on renewal premium.
• Medical screening: Those above 45 years.

2] United India Insurance Family Medicare 2014 Policy

• Entry age: 18 to 80 years (3 months for children-at least one parent must be covered).
• Floater policy (covers you, your spouse and dependent children).
• Sum assured: 2 to 10 lakh rupees.
• Pre and post-hospitalisation expenses: Up to 30 and 60 days, respectively.
• Covers inpatient hospitalisation expenses.
• Includes nursing costs.
• ICU charges: Up to 1% of the chosen sum assured.
• Organ donor expenses: Up to the chosen sum assured.
• Health check-ups: Up to 1% of the average chosen sum assured (over three prior claim-free years).
• Ambulance cover: Up to 2,500 rupees (additional payment).
• Daily cash allowance: Up to 5,000 rupees(additional payment).
• Premium is payable in advance.
• No-claim discount of 3% to 15% on renewal premium.
• Deductible: 10% for insured individuals over 60 years of age.

3] United India Insurance Gold Policy

• Entry age: 36 to 60 years (only renewals above 60 years, three months for children- at least one parent must be covered).
• Sum assured: 1 to 5 lakhrupees.
• Pre and post-hospitalisation expenses: Up to 30 and 60 days, respectively.
• Covers inpatient hospitalisation expenses.
• Includes nursing costs.
• ICU charges: Up to 1% of the chosen sum assured.
• Organ donor expenses: Up to the chosen sum assured.
• Major surgeries: Up to 70% of the sum assured.
• Specific daycare procedures.
• Health check-ups: Up to 1% of the average chosen sum assured (over three prior claim-free years).
• Ambulance cover: Up to 2,500 rupees (additional payment).
• Daily cash allowance: Up to 5,000 rupees(additional payment).
• Discounts: 5% (on total premium) for at least one additional member.

4] United India Insurance Individual Mediclaim Policy

• Individual insurance.
• The chosen sum assured can be increased at renewal.
• Pre and post-hospitalisation expenses: Up to 30 and 60 days, respectively.
• ICU charges: Up to 1% of the chosen sum assured.
• Organ donor expenses: Up to the chosen sum assured.
• Major surgeries: Up to 70% of the sum assured.
• Specific daycare procedures.
• Health check-ups: Up to 1% of the average chosen sum assured (over three prior claim-free years).
• Premium is payable in advance.

5] United India Insurance Platinum Policy

• Entry age: 18 to 35 years (renewals beyond 35 years.; 3 months for children, at least one parent must be covered).
• Sum assured: 1  to 10 lakh rupees.
• Pre and post-hospitalisation expenses: Up to 30 and 60 days, respectively.
• ICU charges: Up to 1% of the chosen sum assured.
• Organ donor expenses: Up to the chosen sum assured.
• Specific daycare procedures.
• Health check-ups: Up to 1% of the average chosen sum assured (over three prior claim-free years).
• Discounts: 5% of the total premium for at least one additional member.

6] United India Insurance Senior Citizen Plan

• Entry age: 61 to 80 years (only renewals above 80 years), three months for children (at least one parent must be covered).
• Sum assured: 1 to 3 lakh rupees.
• Pre and post-hospitalisation expenses: Up to 30 and 60 days, respectively.
• Covers inpatient hospitalisation expenses.
• ICU charges: Up to 1% of the chosen sum assured.
• Organ donor expenses: Up to the chosen sum assured.
• Major surgeries: Up to 70% of the sum assured.
• Specific daycare procedures.
• Health check-ups: Up to 1% of the average chosen sum assured (over three prior claim-free years).
• Co-payment: 20% for major illness claims.
• Discounts: 5% of the total premium (for at least one additional member).

7] Super Top-Up & Top-Up Plans

• Top-up policies for enhancing the basic coverage.
• Useful for those who already have a policy and wish to supplement it.

8] United India UNI Criticare Health Insurance

• Covers specific critical ailments excluded under most health plans.
• Payout is made on the diagnosis of such illnesses, subject to a survival period.

9] United India Insurance Personal Accident Policy

• Takes care of the needs of those who suffer accidents and are not able to provide for themselves or their families.
• The policy brings worldwide coverage.
• 100% of the sum insured is paid to the nominees in case of death of the policyholder, if rendered permanently disabled, loses limbs or eyes due to an accident.
• Dependent children receive an additional educational benefit.
• Cover can be sought up to the age of 80 years.
• Medical tests are necessary (for those over the age of 70).

General Exclusions of United India Insurance Health Insurance

• Diseases contracted during the first 30 days.
• Pre-existing diseases: Up to 48 months of continuous coverage.
• A waiting period of 2 to 4 years for certain illnesses/treatments.
• Vaccination, Inoculation (other than for animal bite).
• Circumcision, Cosmetic surgery, Plastic surgery and HIV/AIDS.
• Psychiatric or psychosomatic disorders.
• Injury arising out of drug or alcohol abuse.
• Pregnancy, ailments related thereto or childbirth.
• War or act of the foreign enemy.
• Experimental/unproven treatments.
• Dental treatments.

Note: Please refer to detailed insurance product brochures for policy/plans-specific exclusions.

United India Health Insurance Premium

United India health insurance premiumis based on factors such as your age, medical history, lifestyle habits, the sum insured and type of cover you choose. 

One can compare policies and plans by visiting United India Insurance's official website. Alternatively, you may use established online insurance comparison portals such as Quickinsure to explore quotations, simplify and speed up the process of buying medical insurance.

United India Health Insurance Online Renewal & Purchase

One can apply for/renew health insurance policy by viewing and comparing quotes online through insurance comparison platforms such as www.Quickinsure.com.

United India Health Insurance Review

United India health insurance carries a reliable reputation built over decades of services in urban, semi-urban and rural parts of India. It is widely admired for providing extensive healthcare coverage, practical add-ons at affordable premiums and workable solutions for complex medicare challenges.

United India Insurance Medical Policy: FAQs

Q: I already have life insurance. Do I need a health insurance policy?

Ans: Life insurance does not help you in paying rising medical bills. A health insurance cover protects you against unexpected health-related costs, enables you to deal with hospitalisation and takes care of your expenses.

Q: What is the difference between a mediclaim policy and a health insurance policy?

Ans: Mediclaim policy only brings coverage against hospitalisation and treatment expenditure for pre-specified illnesses (as per the sum insured). However, your healthcare insurance covers both pre and post hospitalisation expenses.

Q: What's the right level of cover for me?

Ans: It would depend on your age, annual income, medical background, lifestyle, pre-existing diseases, members of your family and residential address.

Q: How can I avoid being underinsured?

Ans: By making a careful assessment of your needs, opting for an adequate sum insured, going through the exclusions/conditions thoroughly and seeking help from professional comparison portals such as www.Quickinsure.com.

Q: Can you please explain United India's claim settlement process?

Ans: The notice of intimation about any hospitalisation or claim must be sent to the address of Insurer or TPA as stated in your insurance policy.

• In case of emergency hospitalisation: Send the notice of intimation within 24 hours from the time of admission.
• Collect the claim form, complete it and submit it (with required/relevant hospitalisation documents) to the TPA within 15 days from the date of discharge.
• Cashless treatment: The Insured (or the representative) must submit the pre-authorisation cashless form to TPA through the hospital.
• Reimbursement claims: The insured should submit documents for hospitalisation expenses incurred within 15 days from the date of discharge.

Q: What is the customer care number for United India health insurance?

Ans: Policy-related queries: 1-800-425-33333 (Monday to Friday, 10:00 am to 5:45 pm).

Queries can be emailed to customercare@uiic.co.in.

Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for most up-to-date and precise details.