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. 

Features of United India health insurance schemes

The health insurance plans offered by United India have the following features –

  1. 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
  2. You also get the benefit of free health check-ups once after a specific period
  3. 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
  4. 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
  5. All United health insurance plans are renewable lifelong
  6. 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

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

Add-ons under United India health insurance plans

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 –

  1. Hospital daily cash
  2. 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.

  1. Ambulance cover
  2. 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.

Exclusions under United India health insurance

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 which 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

Health insurance plans offered by United India Insurance Company

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 –

1. United India Insurance Family Medicare Plan

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 –

  1. Coverage can be availed for up to 80 years of age
  2. You can get coverage for yourself, your spouse as well as dependent children
  3. Pre and post-hospitalisation costs are covered for 30 and 60 days respectively
  4. You get cashless treatments at more than 7000 networked hospitals in India
  5. If there are three consecutive no-claim years, you can get a premium discount of 3%
  6. Free medical check-ups are allowed once after every three claim-free policy year
  7. Eligibility parameters of United India Insurance Family Medicare Plan

    Entry ageChildren – 3 months to 18 years

    Adults – 18 years to 80 years

    Sum insuredINR 1 lakh to INR 10 lakhs
    Policy duration1 year

2. United India Insurance Family Medicare 2014 Plan

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. Daycare 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 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
  6. 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

3. United India Insurance Gold Health Insurance Plan

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 –

  1. Pre hospitalisation, inpatient hospitalisation as well as post hospitalisation expenses are covered under the plan
  2. You also get coverage for AYUSH treatments provided such treatments are taken at a Government hospital 
  3. You can claim a family discount of 5% if you buy the policy for yourself and one or more family members
  4. Free medical check-ups of up to 1% of the sum insured can be availed once after the completion of three claim-free policy year
  5. 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

4. United India Insurance Individual Health Insurance Policy

This health insurance plan allows coverage on an individual basis. The scope of coverage is good and the plan offers the following salient features –

  1. Daycare, as well as domiciliary treatments, are covered under the plan
  2. You can avail the add-on coverage options for hospital daily cash and ambulance charges
  3. There are three plan variants of Platinum, Gold and Senior citizens. While the first two variants are for younger individuals, the third variant is specially designed for senior citizens
  4. 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

5. United India Insurance Individual Mediclaim

This is also an individual health insurance plan which offers the following benefits – 

  1. Domiciliary hospitalisation is covered under the plan if such hospitalisation exceeds three continuous days
  2. AYUSH treatments are also covered under the plan

6. United India Insurance Platinum Plan

This is a health insurance plan which offers high levels of the sum insured. The features of the plan are as follows –

  1. Daycare treatments are covered under the plan
  2. You can avail a premium discount of 5% if you cover two or more family members under the policy
  3. Free health check-up facility is also allowed by the plan provided there are three consecutive claim-free years
  4. 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

7. United India Insurance Senior Citizen Policy

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 –

  1. Specified day care treatments are covered
  2. Cashless claim facility is available across more than 7000 networked hospitals in India
  3. If you cover your spouse or any dependent children under the plan with yourself, you can get a family discount of 5%
  4. Free medical check-ups are allowed after every three policy years
  5. 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

8. United India Insurance Super Top-up Plan 

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 –

  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 
  4. 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

9. United India Insurance Top-up Plan

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 –

  1. Hospitalisation expenses exceeding the deductible limit would be covered under the policy
  2. The coverage can be availed on an individual, family floater or group basis
  3. Ambulance costs are also covered under the plan along with pre and post hospitalisation expenses
  4. 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

10. United India Insurance UNI Criticare Plan

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 –

  1. A small waiting period of 90 days is applicable after which you can enjoy complete coverage 
  2. 11 major illnesses are covered under the policy like kidney failure, cancer, heart valve replacement, heart attack, coma, etc.
  3. 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

11. United India Insurance Workmen Medicare Policy 

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 –

  1. Hospitalisation expenses incurred in case of accidental injuries suffered by the workmen are covered under the policy
  2. Contractors, factory owners, etc. can buy the plan
  3. Ambulance costs are also covered under the plan
  4. The sum insured levels allowed under the plan are INR 50,000, INR 1 lakh and INR 1.5 lakhs

Do’s and Don’ts of United India health insurance plans

When you are buying a health insurance policy from United India, here are some points which you should keep in mind –

Do’s:

  • Always fill the proposal form with all the correct information. The information in the form is used by the insurance company to assess your risk. If the information is wrong, you might face problems at the time of claims
  • Read the plan’s benefits and conditions completely before buying the policy. This would help you understand what is covered and what is not covered
  • Choose a sum insured which would be enough to cover the expected medical costs
  • Keep the policy bond safe as you would need it at the time of claims
  • Keep your policy document updated with all your recent contact details and communication address
  • Choose optional covers if they are relevant to your coverage requirements
  • Know the claim process under United India health insurance plans so that you can make proper claims and get them settled easily
  • Check the hospital network in your area so that you can avail cashless claim settlements

Don’ts:

  • Do not provide wrong or incorrect information in the proposal form
  • Do not hide anything from the insurance company. Even when you have existing illnesses, declare them in the proposal form to avail coverage
  • Do not leave out any family member from being covered. You would have to incur the medical costs of your family member yourself if they are not covered under the plan
  • Do not let the policy lapse. When the policy lapses, the coverage stops. Always renew the policy within the due date so that you can enjoy non-stop coverage and also get the benefit of lifelong renewal
  • Do not forget to look for discounts in the policy when buying or renewing your health insurance plan. Discounts would help you save money
  • Do not forget to make claims on time. A timely claim intimation would help you get claim settlement easily

How to buy United India health insurance policy?

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 –

  • Gender
  • Age
  • Age of the members whom you want to cover
  • Whether you have any pre-existing illnesses to declare
  • The annual income level of the family for being recommended an ideal sum insured
  • Area PIN Code so that you can check the networked hospitals
  • Once the details are entered, you will be presented with a list of some of the best health insurance plans available in the market 
  • You can compare and select the best health insurance plan
  • After choosing the plan you would have to fill up an online application form
  • The premiums would also have to be paid online 
  • Once the premiums are paid and the form is submitted, you would be able to buy the plan easily

The renewal process of United India health insurance

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 –

  1. Visit the company’s home page at https://uiic.co.in/home
  2. Choose ‘Quick Renewals’ and ‘Health Policy’
  3. You will be redirected to a new page wherein you can provide your policy details. You can, then, pay the renewal premium and the policy would be renewed

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.

How to make a claim under United India health insurance policies?

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 –

  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 a cashless settlement of your claim, submit a pre-authorisation claim form to the TPA upon hospitalisation 
  3. If, on the other hand, 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. 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

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.

Documents required for claims:

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 –

  1. Claim form
  2. Hospital discharge certificate 
  3. Medical bills associated with the treatments and medicines that you have purchased
  4. Hospital bills showing the expenses incurred on hospitalisation
  5. Doctor’s reports containing the details of the illness and the treatments done
  6. Bills from the pharmacy
  7. Any other documents which are required by the insurance company

FAQ’s

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.