United India Insurance Company Limited was a merger of 12 Indian insurance companies, 4 cooperative insurance societies, and the Indian operations of 5 foreign insurers, as well as the General Insurance operations of Life Insurance Corporation of India’s southern area and it established on Feb 18th, 1938. Since nationalization, United India has grown by leaps and bounds, with over 11500 personnel spread over 2096 sites providing insurance coverage to 1.74 million subscribers.
The company offers various health insurance policies that cover everything you required.
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Why choose United India Health Insurance?
Customer-Centric: Customers can use United India digital platforms and communication channels, which are easy to use and reach. We strive to meet our clients at the right time, in the right manner, with the appropriate care, and in a manner that adds value to their delight.
Tax Exemption: Section 80 D of the Income Tax Act allows a taxpayer to seek tax exemptions on premiums paid for medical health insurance policies. Tax credits are available for premiums paid for the individual, spouse, dependent children, and parents.
Protection of your money: To pay for life-saving medical expenses, you do not need to dive into your bank account or liquidate family assets. Your health insurance policy will ensure that you get the best care available without busting the wallet.
Cashless Treatment: Cashless treatment is available at network hospitals for both planned and emergency treatments. If you have health insurance, you won’t have to worry about putting together large quantities of money for treatment at the last minute.
What are the different types of United India Health Insurance plans?
1). Revised Family Medicare Plan: Individual or Family Floater coverage is available under the policy. Individual basis provides a separate Sum Insured for each Insured Person, whereas Family Floater basis shares the Sum Insured maximum with the Insured’s entire family as defined in the Policy Schedule.
What does this policy cover?
In-patient Hospitalisation
Daycare treatment
Pre and post-hospitalization
Organ Donor expenses
Road Ambulance cover
AYUSH treatment
Cost of health checkups
Modern treatment methods
Maternity and newborn baby cover (optional)
A daily cash allowance (optional)
Restoration of the sum insured (optional)
2). Family Medicare 2014: Individual or Family Floater coverage is available under the policy. Individual basis provides a separate Sum Insured for each Insured Person, whereas Family Floater basis shares the Sum Insured maximum with the Insured’s entire family as defined in the Policy Schedule.
What does this policy cover?
Hospitalization expenses
Daycare treatment
AYUSH treatment
3). Revised Individual health insurance policy: The policy provides coverage for an individual on an Individual Sum Insured basis. The coverage is also available as a family package for the proposer, spouse, dependent children, and parents, with a separate sum insured for each family member.
What does this policy cover?
In-patient Hospitalisation
Daycare treatment
Pre and post-hospitalization
AYUSH treatment
Modern treatment methods
Cost of health checkups
Modern treatment methods
A daily cash allowance
4) Corona Kavach Policy: Covid treatments are covered under the policy on an individual or family floater basis.
5). UNI criticare Plan: The Sum Insured options for the policy are Rs.1 lac, Rs.3 lacs, Rs.5 lacs, and Rs.10 lacs. The insurance contains a 90-day waiting time from the date of inception and a 30-day surviving term from the date of diagnosis.
This policy covers the following critical illnesses:
CANCER OF SPECIFIED SEVERITY
FIRST HEART ATTACK- of specified severity
CORONARY ARTERY SURGERY
HEART VALVE REPLACEMENT
COMA OF SPECIFIED SEVERITY
KIDNEY FAILURE
STROKE RESULTING IN PERMANENT SYMPTOMS
MAJOR ORGAN / BONE MARROW TRANSPLANT
MULTIPLE SCLEROSIS
MOTOR NEURONE DISEASE WITH PERMANENT SYMPTOMS
PERMANENT PARALYSIS OF LIMBS
How to claim United India Health Insurance?
You can claim your health insurance plan in any of these two processes.
Cashless Claim Procedure
If you choose a network hospital, you can get a cashless claim.
Inform the company, about hospitalization
Register the claim and submit documents at a network hospital.
Documents will verify by the team.
Your claim will be accepted or rejected, you will know within hours.
If the request is authorized, the claim will be settled according to the terms of the policy.
Expenses will be paid to the hospital, according to sum insured.
Reimbursement Claim Procedure
If you go to a Non-Network hospital.
Admit the person to the hospital and cover all associated costs.
Collect all of your bills and documents required.
Submit a claim for compensation with the firm.
Till your documents are verified, wait for approval.
You will be reimbursed once your claims have been processed.
Documents Required for Health Insurance Claim
The insured attests to the medical insurance bills for in-patient hospitalization.
The discharge card is signed by the authorities at the hospital/network hospital.
The insured’s signature is on the claim form.
A valid medical inquiry report.
The medical store receipts and the doctor’s prescription.
A specific list with all relevant information for all hospital necessities ordered by the doctor.
Copies of the prior year’s health insurance policy.
1). What factors affect health insurance premiums?
Coverage and sum insured selected by you, The numbers of members covered, Age and Body Mass Index(BMI), Medical history, Tobacco consumption.
2). Do online health insurance purchase facilities available?
Yes, you can purchase a health insurance policy from the United India website.
3). Can I have two policies at a time?
Yes, each plan operates differently and offers various benefits, you can always have more than one health insurance plan based on your needs and coverage requirements.
4). What happens if I cancel my policy?
Your insurance will cease to exist if you cancel your policy before the policy’s end date, and a portion of your premium will be repaid to you according to the policy’s cancellation terms.
5). What is the annual sum insured?
The annual sum insured is the maximum amount that an insurance company will pay you in the event of a claim within a policy year.
