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About United India Health Insurance

United India Insurance Company was established in the year 1938 as a general insurance company. Later on, when the general insurance business was nationalised in India in the year 1972, the general insurance business of the southern area of LIC, four cooperative insurance societies, twelve Indian insurance companies and the India-based operations of five foreign insurance companies were merged with United India.


Ever since the nationalisation of the general insurance business, United India has grown considerably. Today, the company is owned by the Government of India and is a leading public sector general insurance company. The company boasts of having a wide presence across India with more than 2274 offices in different cities of India with a workforce of 12500 employees and serving more than 1.74 crore customers under its general insurance policies. With experience that exceeds over 8 decades, United India Insurance Company is surely one of the country’s most trusted insurance companies

United India Claim Settlement Ratio

97.25%

United India

94.21%

Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. United India has a claim settlement ratio of 97.25%, as compared to the industry average of 94.21%.

United India Health Insurance Plans Overview

United India health insurance offers 7 health insurance plans. The premium of these plans starts from Rs. 177/yr. The sum insured ranges from Rs. 50,000 - 25 Lakh. Details of the comprehensive coverage provided by the following 7 United India health insurance plans are listed below:

United India Arogya Sanjeevni Policy

Starting Premium- ₹ 2,659/yr

This is a standard health insurance policy that covers the hospitalisation expenses that you may have to incur in case of hospitalisation of 24 hours or more. This plan is available on a family floater and an individual basis. Arogya Sanjeevani Policy United India covers room rent, nursing, boarding as per the plan conditions.

This is a standard health insurance policy that covers the hospitalisation expenses that you may have to incur in case of hospitalisation of 24 hours or more.This plan is available on a family floater and an individual basis. Arogya Sanjeevani Policy United India covers room rent, nursing, boarding as per the plan conditions. Let us look at the main features of the plan:

  1. Room rent, nursing and boarding are covered up to 2% of the sum insured to a maximum of INR 5,000 per day
  2. ICU and ICCU charges are covered up to INR 10,000 per day
  3. In-patient treatment expenses under AYUSH systems of medicine, which are Ayurveda,Yoga, Unani, Siddha and Homeopathy, are also covered
  4. When you buy the policy on an individual or a family floater basis, you can cover your spouse, dependent children, parents, parents in law Beyond 65 years of age, plans can be continued as renewals Children between 3 months and 18 years, who are dependent, can be covered if one or both parents are covered Children over 18 years up to 25 years, who are independent cannot be covered under the policy, a separate policy can be taken for them
  5. The plan covers cataract treatment up to a limit of 25% of the sum insured or INR 40,000
  6. Pre and post-hospitalisation charges are covered for a period of 30 and 60 days respectively
  7. Specific modern treatments are also covered under the plan
  8. For every claim-free year, you receive a 5% increase in the sum insured
  9. The plan comes with a 5% mandatory co-payment

Eligible Age

91 days - 65 years

PED Waiting Period

4 years

Coverage

50,000 - 10 Lakh

NCB

5% increase in cover;max upto 50%

United India Insurance Corona Kavach Policy

Starting Premium- ₹ 177/yr

Launched under the guidelines of IRDA, this is a standard health insurance plan that covers medical expenses on hospitalisation that is due to COVID-19. An adult can purchase this plan on a family floater or an individual basis and apart from self, extend the coverage to his/her spouse, dependent children, parents and parents-in-law. Here are the main features of this plan:

  1. In-hospital cover includes room rent, nursing and boarding
    • ICU and ICCU charges
    • Blood, oxygen, PPE Kits, gloves, masks, medicines, surgical appliances
    • Per hospitalisation up to INR 2000 can be covered for road ambulance charges,only for COVID hospitalisation
  2. The positive diagnosis report should be from a government authorized diagnostic centre
  3. Doctor-prescribed home care treatment would be covered
  4. After the age of 65 years, the insured can renew his policy
  5. For the children who are between 3 months and 18 years and are dependent,they can be covered provided one or both parents are covered
    • Children between 18 and 25 and financially dependent on their parents would be covered
    • A child over 18 years, who is financially independently will not be covered under this policy, and a new policy would be required
  6. AYUSH treatment for Covid-19 will also be covered
  7. There is a waiting period of only 15 days
  8. Pre and post-hospitalisation charges, related to Covid-19, are covered for a period of 15 and 30 days respectively
  9. The plan covers home care treatment expenses, provided it is advised by a medical practitioner. The treatment would be eligible if it otherwise required hospitalisation. The treatment would cover:
    • Diagnostic tests
    • Prescribed medicines
    • Consultation charges
    • Cost of an oxygen cylinder, oximeter and nebulizer

Eligible Age

1 day - 65 years

PED Waiting Period

15 days

Coverage

50,000 - 5 Lakh

NCB

NA

United India Insurance Family Medicare 2014 Plan & Lt

This is a revamped version of the Family Medicare policy and can be taken to cover yourself as well as your family members. The salient features of the policy are as follows

  1. Day care treatments are covered under the policy
  2. If you take Ayurvedic treatments in a Government hospital,such treatments would be covered under the scope of the plan
  3. The family members can be covered under a single sum insured on a floater basis
  4. Up to 15% premium discount can be availed if you don’t make claims in your policy
  5. Free health check-ups are allowed every three policy years

Eligible Age

91 days - 80 years

PED Waiting Period

4 years

Coverage

2 Lakh - 10 Lakh

NCB

NA

United India Top-up Plans

United India health insurance provides 2 top-up plans. The premium of these top-up plans start from Rs. 1,363/yr. The sum insured ranges from Rs. 3 Lakh - 75 Lakh. United India top-up plans provide enhanced coverage and added protection for your well-being. Explore the details of each United India top-up insurance policy below:

United India Insurance Revised Super Top-up Policy

Starting Premium- ₹ 2,100/yr

The aggregate expenses of hospitalisation exceeding the deductible/threshold level and up to the sum insured, in respect to all covered treatments during the term of the policy are covered under the United India Super Top-Up plan. You can buy this plan on an individual basis where the sum insured is separate for each member or you can buy it on a family floater basis where the whole family is covered under one sum insured

Here are the main features of this plan:

  1. The plan covers in-patient hospital expenses
    • Boarding, nursing and room rent
    • The fee of medical practitioners, consultants, surgeons, specialists etc are covered
    • OT charges, medicines, X-ray charges, diagnostic materials, chemotherapy, radiotherapy is covered
  2. Expenses on Organ transplant, under the norms of Transplantation of Human Organs Acts 1994
  3. Individual Policy can cover self, spouse, dependent children and parents
  4. Family Floater can cover self, spouse and dependent children
    • Children who are between 3 months and 18 years will be covered when either one or both their parents are covered
    • Children over 18 will not be covered if they are employed or married
    • The age limit of 18 years does not apply to unemployed and unmarried girls, disabled children
    • Male children till the age of 26 years, can be covered if they are pursuing full-time higher studies
    • A child over 18 years, who is financially independently will not be covered under this policy,and a new policy would be required
  5. Ayurveda treatment in an AYUSH hospital is covered
  6. Specific modern treatments are covered

Eligible Age

91 days - 80 years

PED Waiting Period

4 years

Coverage

3 Lakh - 15 Lakh

NCB

NA

United India Insurance Super Top-up Plan

Starting Premium- ₹ 1,363/yr

This plan provides supplemental health insurance coverage which you can avail to increase an existing coverage.Under the plan, you have to choose a sum insured and a deductible.If during the policy tenure, the aggregate claims incurred exceed the chosen deductible, the plan would pay the excess claim.Other features of the policy are as follows

  1. Hospitalisation expenses are covered up to the chosen sum insured
  2. You can buy the policy on an individual basis or a family floater basis
  3. A group policy can also be taken

Eligible Age

91 days - 60 years

PED Waiting Period

4 years

Coverage

3 Lakh - 75 Lakh

NCB

NA

Top Features From United India Health Plans

Features of United India health insurance schemes The health insurance plans offered by United India have the following features

  • The plans allow coverage either for a single individual or for his family as well. Family can be covered under family floater plans which allow coverage for self, spouse, dependent children and, in many cases, dependent parents too
  • You also get the benefit of free health check-ups once after a specific period
  • If you do not make claims in a policy year, the company rewards you in the form of no claim bonus.This bonus can be an increase in the coverage level or a discount on the renewal premium
  • There might be optional coverage benefits too under United India health insurance. These benefits can be availed if you choose them and pay an additional premium
  • All United health insurance plans are renewable lifelong
  • Premium discounts are also available under United India’s health plans which help in bringing down the premiums

Coverage benefits under United India health insurance schemes

  • Hospitalisation costs:This benefit covers the costs incurred on room rent, ICU room rent, doctor’s fees, nurse’s fees, treatment costs, medicines, blood, etc. when you are hospitalised in a hospital for 24 hours or more
  • Pre-hospitalisation :The pre-hospitalisation benefit covers the costs which are incurred before hospitalisation. These costs can be a doctor’s consultation costs, medicines, diagnostic tests, etc. The costs are covered for a specified duration which ranges from 30 days to 90 days
  • Post-hospitalisation :Under this coverage, the costs which are incurred after being discharged from the hospital are covered.These costs are incurred on reviewing and monitoring your health after treatments and include diagnostic tests, doctor’s consultations, medicines, etc. Post hospitalisation costs are also covered for a specific duration which ranges from 60 days to 120 days
  • Ambulance charges:Ambulance charges are incurred when you are being taken to a hospital for treatments. These charges are also covered under United India health insurance plans up to a specific limit
  • Domiciliary treatments:If you have to take treatments at your own home because a hospital bed was not available or because you were in no condition to be shifted to a hospital, such treatments would be covered under most health insurance plans.These treatments are called domiciliary treatments and they are covered up to a specified limit
  • AYUSH treatments:If you avail of treatments through non-allopathic means like Ayurveda, Homeopathy, etc. you can get coverage under many health insurance plans. This coverage can be granted up to the sum insured or up to a specified limit
  • Organ donor expenses:If you are undergoing an organ transplant and you need an organ, the costs incurred in harvesting the organ from a donor would be covered under your health insurance plan
  • Maternity cover:Coverage for maternity is available in select health insurance plans. Under this cover, the cost of childbirth and other pre and post-natal expenses of the insured female are covered up to specified limits
  • Newborn baby cover:A newborn baby cover is usually found in health insurance plans which allow maternity cover. Under this cover, the newborn baby is also covered under the policy from birth

Exclusions Across United India Health Plans

Though United India’s health insurance schemes provide a good scope of coverage,there are certain medical costs and treatments which are not covered under the plans.These are categorised as policy exclusions. Some of the commonly found exclusions include the following

  1. Pre-existing diseases are covered only after the expiry of a specified waiting period. This waiting period can range from 2 years to 4 years
  2. Diseases that you suffer within 30 days of buying the policy are not covered
  3. Cosmetic treatments, dental treatments, circumcision, etc. are not covered
  4. Suicides attempted suicides, self-inflicted injuries would not be covered
  5. Mental and psychiatric disorders are not covered
  6. Any type of non-proven and experimental treatments would be excluded from coverage
  7. Venereal diseases, sexual diseases, HIV and AIDS-related infections are excluded from coverage
  8. Maternity treatments and related costs are not covered under all plans. They would be covered only if the plan’s benefits structure specifically states as such

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United India Claim Process

United India supports both cashless claims and reimbursement claims. This section covers the information on how to check United India health insurance claim status, fill United India health insurance claim form, and the claim settlement process.

  1. Whenever a claim occurs, you should inform the insurance company or its TPA (Third Party Administrator) immediately of the claim. If you are undergoing a planned hospitalisation, you should give the intimation 3-4 days before being hospitalised. On the other hand, if the hospitalisation is an emergency case, inform the insurer or the TPA within 24 hours of your hospitalisation
  2. If you want to avail of a cashless settlement of your claim, submit a pre-authorisation claim form to the TPA upon hospitalisation
  3. There is another way to get a settlement of your health insurance claims and it is through Turtlemint. If you have bought your health insurance policy through Turtlemint you can inform the company and the company will take the necessary steps to get your claims settled.Turtlemint has a dedicated claims department that helps customers in the settlement of their claims.You can contact this department by calling 1800 266 0101 or by sending an email to claims@turtlemint.com. Once the department is informed, the team of experts would coordinate with United India and help you get your claims settled quickly

  1. You are taking treatment in a non-networked hospital and are opting for reimbursement claims, collect the claim form from the insurance company or its TPA
  2. The claim form should, then, be filled and submitted along with other relevant documents to the TPA. The documents should be submitted within 15 days of your discharge from the hospital
  3. There is another way to get a settlement of your health insurance claims and it is through Turtlemint. If you have bought your health insurance policy through Turtlemint you can inform the company and the company will take the necessary steps to get your claims settled. Turtlemint has a dedicated claims department that helps customers in the settlement of their claims. You can contact this department by calling 1800 266 0101 or by sending an email to claims@turtlemint.com. Once the department is informed,the team of experts would coordinate with United India and help you get your claims settled quickly.

United India Health Insurance Renewal Process

Renewal Process of United India Health Insurance
Health insurance policies come with a limited coverage period, and one should remember to renew them for continuation. To avoid the termination of your health insurance policy from United India, ensure timely renewal

Renewing your United India health insurance policy can be done in a matter of a few minutes.The choice between online and offline renewal methods at UIIC is entirely up to you as per your convenience

Online Renewal Process for United India Health Insurance Policy

Renewing your United India Health Insurance policy online is a straightforward process. Follow these steps:

Step 1: Visit the Official Website
Go to the official website of United India Insurance

Step 2: Login or Create an Account
If you're an existing customer, log in to your account. If not, create a new account

Step 3: Navigate to Renewal Section
Look for the 'Renewal' or 'Renew Policy' section on the homepage

Step 4: Enter Policy Details
Provide the necessary policy details like Policy Number, Expiry Date, etc

Step 5: Review Policy Information
Carefully go through the policy details displayed to ensure accuracy

Step 6: Pay Premium and get confirmation
Select the payment method and proceed to make the premium payment
Once the payment is successful, you'll receive a confirmation message or email

Offline Renewal Process for TATA AIG Health Insurance Policy

Alternatively, you have the option to renew your health insurance policy offline by dialing the toll-free number of UIIC at 1800-425-333-33 and mentioning your specific renewal requirements

Another way is by visiting their nearest branch to initiate your United India Health policy renewal

You can also renew your health plan with the help of Turtlemint and our expert insurance advisors. For instant policy renewal, visit www.turtlemint.com or renew your policy by downloading the Turtlemint App here

FAQs

United India is tied up with more than 7000 hospitals in India for cashless claim settlements. To check the list of networked hospitals, visit https://uiic.co.in/en/tpa-ppn-network-hospitals wherein you would be able to check the city-wise hospital network. Download the hospital list of your city and check which hospitals would allow you cashless coverage

Usually, online purchase of United India health insurance policies do not require you to submit any documents. However, you might be asked to provide your identity proof, age proof, photographs and address proof to buy the policy

If you do not renew your health insurance policy on time, the policy would lapse. When it lapses, the coverage would stop. Moreover, if you do not pay the premium even within the grace period, you would lose any renewal benefit which was available under the policy

Yes, online premium payment is allowed for buying or renewing United India health insurance plans. To pay online you can use your debit card, credit card, mobile wallet, net banking facility, UPI ID or any other digital payment mode and pay the premium.
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