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 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 1300 offices in different cities of India and serving more than 1 crore customers under its general insurance policies.
The health insurance plans offered by United India have the following features –
United India Insurance offers a range of health insurance plans with different coverage features and benefits. Some of the commonly found coverage benefits under United India Insurance mediclaim plans are as follows –
Coverage benefit |
What it covers |
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 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 |
Besides the regular coverage features, many plans also offer you the choice to increase the scope of your policy’s coverage through add-ons. Add-ons are optional coverage benefits which can be selected at your discretion. Every add-on comes with an additional premium and you can choose as many add-ons as you like. Some of the add-ons offered by United India include the following –
Under this add-on, you receive a daily allowance if you are hospitalised in a hospital for a period of at least 24 hours. The benefit is paid per day of hospitalisation and is fixed in nature irrespective of the medical costs that you incur.
If the plan does not have an inbuilt cover for ambulance costs, the same can opt through this add-on. At a very minimal premium, you can get the ambulance costs covered under the plan.
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 –
Now that you know the coverage benefits and exclusions under United India health insurance plans, let’s have a look at the different types of plans that the company offers –
As is evident from the name, Family Medicare is a family floater health insurance plan which you can take for your whole family. The salient features of the plan are as follows –
Eligibility parameters of United India Insurance Family Medicare Plan
Entry age | Children – 3 months to 18 years
Adults – 18 years to 80 years |
Sum insured | INR 1 lakh to INR 10 lakhs |
Policy duration | 1 year |
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 –
Eligibility parameters of United India Insurance Family Medicare 2014 Plan
Entry age |
Children – 3 months to 18 years Adults – 18 years to 80 years |
Sum insured |
INR 2 lakhs to INR 10 lakhs |
Policy duration |
1 year |
This is a health insurance plan which you can choose to cover yourself and your family members. The features of the policy are as follows –
Eligibility parameters of United India Insurance Gold Health Insurance Plan
Entry age |
Children – 3 months to 18 years Adults – 36 years to 60 years |
Sum insured |
INR 1 lakh to INR 5 lakhs |
Policy duration |
1 year |
This health insurance plan allows coverage on an individual basis. The scope of coverage is good and the plan offers the following salient features –
Eligibility parameters of United India Insurance Individual Health Insurance Policy
Entry age |
Children – 3 months to 18 years Adults: Platinum Plan – 18 years to 35 years Gold Plan – 36 years to 60 years Senior Citizen Plan – 61 years to 65 years |
Sum insured |
Platinum Plan – INR 2 lakhs to INR 20 lakhs Gold Plan – INR 2 lakhs to INR 10 lakhs Senior Citizen Plan – INR 2 lakhs to INR 5 lakhs |
Policy duration |
1 year |
This is also an individual health insurance plan which offers the following benefits –
This is a health insurance plan which offers high levels of the sum insured. The features of the plan are as follows –
Eligibility parameters of United India Insurance Platinum Plan
Entry age |
Children – 3 months to 18 years Adults – 18 years to 35 years |
Sum insured |
INR 1 lakh to INR 10 lakhs |
Policy duration |
1 year |
This is a health insurance plan solely designed for individuals who are aged 60 years and above. The features of the plan are as follows –
Eligibility parameters of United India Insurance Senior Citizen Policy
Entry age |
Children – 3 months to 18 years Adults – 61 years to 60 years |
Sum insured |
INR 1 lakh to INR 3 lakhs |
Policy duration |
1 year |
This plan provides a 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 –
Eligibility parameters of United India Insurance Super Top-up Plan
Entry age |
Children – 3 months to 18 years Adults – 18 years onwards |
Policy duration |
1 year |
Like the Super Top-up health plan, this plan also acts as a supplemental health insurance plan. However, under this plan, each claim is matched against the chosen deductible limit. If any claim crosses the deductible that you have selected, the excess claim would be paid by the policy. The features of the plan include the following –
Eligibility parameters of United India Insurance Top-up Plan
Entry age |
Children – 3 months to 18 years Adults – 18 years to 80 years |
Policy duration |
1 year |
UNI Criticare Plan is a critical illness health insurance plan. This plan covers a list of specific illnesses and if you are diagnosed with any of the covered illnesses, you get the sum insured in lump sum irrespective of the medical costs that you incur. The features of the plan are as follows –
Eligibility parameters of United India Insurance UNI Criticare Plan
Entry age |
21 years to 65 years |
Sum insured |
INR 1 lakh to INR 10 lakhs |
Policy duration |
1 year |
As the name suggests, this is a policy designed to cover workmen who might suffer accidental injuries in the course of their employment. The features of the plan are as follows –
When you are buying a health insurance policy from United India, here are some points which you should keep in mind –
Do’s:
Don’ts:
You can buy United India health insurance plans online or offline. Offline policies are sold by insurance agents and the company itself. You can, therefore, fix up a meeting with an agent to buy the policy or go to the company’s branches and apply for a policy from there itself.
The online mode of buying United India health insurance plan is through the company’s website. The company allows you to buy its policies online in a simple manner. You can also buy the best health insurance plan from Turtlemint. Turtlemint is an online platform wherein you would find a wide variety of health insurance options to choose from. You can compare and choose the plan as per your coverage needs and affordability. The process of buying United India health insurance policy online through Turtlemint is as follows –
Renewing United India health insurance plans is also an easy affair. You can renew the policy online through the company’s website using the following steps –
Renewal of United India health insurance policy can also be done online through Turtlemint. If you have bought the policy through Turtlemint you are an existing customer. You would have the log in details with which you can log into your Turtlemint account. After you are logged in, choose the health insurance plan which you would want to renew, click on ‘Renew’ and you would be able to check the policy details. If you want to renew without any changes, pay the renewal premium and the policy would be renewed.
Claims under United India Insurance mediclaim policies can be made using the claim procedure specified by the insurance company. To make a claim, you should take the following steps –
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 which helps customers in 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.
Health insurance claims require you to submit a list of documents which are used by the insurance company to verify and process the claims. These documents are as follows –
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.