Easily Organize, Claim and Renew Insurance!

Find Advisor

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

United India Premium Calculator

Use the United India health insurance premium calculator to estimate your health insurance premiums.

Premium Calculator

Enter just a few details to calculate your health insurance premium within 30 seconds.

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.
Book A Free Consultation

Feeling Unsure About Insurance Plans?

Our experts can help you make informed decisions

  • IRDAI certified expert advice
  • Free advice
  • Claim support

No charges. No spam!

Health Insurance Companies Similar To United India