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  • United India Insurance Health Insurance

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    United India Insurance Company Limited is a public sector General Insurance Company of India (Wholly owned by Govt. of India). With the net worth of Rs 5,361 crores as on the financial year 2013-14, The company has more than three decades of experience in Non-life Insurance business headquartered in Chennai. United India Insurance offers products like Health insurance, Motor Insurance, Liability Insurance, fire Insurance, Industrial insurance, Travel insurance, Marine Insurance and more.

    With decades of experience in the non-life insurance sector, United India Insurance Company is one of the leading general insurance providers in the country. The insurance company is headquartered in Chennai. It was formed by the merging of 22 companies. The mission of United India Insurance is to provide insurance protection to all and ensure customer satisfaction. This public sector general insurance company offers a wide range of insurance products from motor and health insurance to travel and personal accident insurance plans.


    United India Health Insurance at a Glance

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    Coverage for your most loved ones

    Total members covered

    Coverage for a maximum of 4 family members with up to 2 adults and 2 children

    You get a choice of coverage tenure

    Pre and Post Hospitalization cover

    Medical expenses covered for 30 days before your hospitalization and 60 days for post hospitalization for related medical expenses

    The next best thing to having a doc in the family

    Health Check-ups

    Free Medical check-up once at the end of three consecutive claim free years up to 1% of the average Sum Insured during the preceding three policy periods

    * For a family health cover product.

    Critical Factors of the Plan

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    Not a paisa goes from your own pocket!

    Co-Pay

    20% Co pay for senior citizen on major illnesses.

    You?re covered for any future medical expenses

    Life long renewable

    Plans are lifelong renewable and covers you for your entire lifetime.

    Get essential cover for existing ailments

    Pre-existing Diseases

    Any pre-existing condition will be covered after a waiting period of 4 year

    Hospital room rent determines your treatment bill

    Room Rent

    Room rent expenses not exceeding 1% of the Sum Insured or actuals whichever is less

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Additional Features of United India Health Insurance

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    Good health offers multiple rewards

    In respect of persons above 60 years, 10% deductible will be applied on all admissible claims

    The world is your healthcare oyster

    Cashless facility in more than 7000 hospitals across Pan India.

    *These add-ons may be included as part of different products and are subject to the insurer's terms & conditions.

    United India Insurance Highlights Updated on 22 Oct 2017

    Features Specifications
    Network Hospitals 7000+
    Waiting Period for Pre-existing Disease 4 years
    Incurred Claims Ratio 122.25%
    Number of Policies Issued 1193663
    Grievances Solved 99.65%
    Renewability Lifetime

    *For Year 2015-2016

    Overview

    United India Health Insurance Plans

    United India Insurance Co. Ltd. is a public-sector general insurance provider that was formed in 1938 and nationalised in 1972. The company has since bolstered its presence across the country by expanding its distribution network. It now has over 1,340 offices channelling a variety of insurance products to a customer-base of over 1 crore clients.


    In addition to serving urban and semi-urban clients, United India actively participates in government-run programmes aimed at extending insurance to rural market segments. It also services lower economic strata through micro-offices which they have established in over 200 towns.


    The company’s main strength is its ability to develop solutions to meet the financial protection needs of a wide variety of clients, corporate or rural.


    Health insurance policies form an integral part of its product portfolio. These policies couple coverage with affordability, making them viable insurance products for a large cross-section of the Indian insurance market.


    The plans on offer are:

    1. Family Medicare
    2. Family Medicare 2014
    3. Gold
    4. Individual Mediclaim
    5. Platinum
    6. Senior Citizen
    7. Super Top-up
    8. Top-up
    9. UNI Criticare
    10. Personal Accident Policy
    • Family Medicare

    • A health insurance policy which aims to cover both the proposer and his/her family. To enhance the basic chosen sum assured, policyholders under this plan can also choose two add-on covers to meet ambulance and hospitalisation costs.


      Entry Age 18 yrs to 80 yrs.; 3 months for children, provided at least one parent is also covered
      Medical Screening Required for those above 45 yrs. (50% of costs reimbursed on qualification)
      Basis Floater (Family includes self, spouse and dependent children)
      Sum Assured Rs.1 to 5 lakhs in increments of Rs.50,000;
      Rs.5 to 10 lakhs in increments of Rs.1 lakh
      (chosen sum assured can be enhanced at renewal)
      Discounts No-claim discount: 3% - 15% on renewal premium; first discount awarded after 3 successive claim-
      free years and annually thereafter
      Coverage - Inpatient hospitalisation expenses:
      Room including nursing charges: Up to 1% of chosen sum assured
      ICU charges: Up to 2% of chosen sum assured
      Expenses incurred with respect to treating medical professionals, consumables, equipment, supplies, OT
      and other required rooms, necessary tests etc.: Up to chosen sum assured
      - Organ donor hospitalisation expenses
      - Pre/Post-hospitalisation expenses: Up to 30 / 60 days respectively; up to 10% of the chosen sum assured
      - Cataract: 10% of the sum assured per eye, Rs.25,000 (max.)
      - Hernia: 15% of the chosen sum assured, Rs.30,000 (max.)
      - Hysterectomy: 20% of the chosen sum assured, Rs.50,000 (max.)
      - Major surgeries: 70% of the chosen sum assured, Rs.4 lakhs (max.)
      - Specified day care procedures - AYUSH treatment undertaken at a government-approved centre -
      Health-check costs: Up to 1% of the average chosen sum assured over 3 prior claim-free years - Organ
      donor hospitalisation expenses
      Add-on Covers 2 optional covers payouts made once during a policy period:
      - Ambulance Cover: Additional premium payable Rs.100 for cover up to Rs.2,500
      - Daily Cash Allowance:Additional premium payable Rs.150 for cover up to Rs.2,500 or Rs.300 for cover
      up to Rs.5,000
    • Family Medicare 2014

    • This is a variant of the Family Medicare plan.


      Entry Age 18 yrs. to 80 yrs.; 3 months for children if at least one parent is also covered
      Basis Floater (family includes self, spouse and dependent children)
      Sum Assured Rs.2 to 5 lakhs in increments Rs.50,000;
      Rs.5 to 10 lakhs in increments Rs.1 lakhs
      (chosen sum assured can be renewed at renewal)
      Premiums Payable in advance
      Discounts No-claim discount: 3% - 15% on renewal premium; first discount awarded after 3 successive claim-
      free years and annually thereafter
      Deductible 10% for insured members over 60 yrs.
      Coverage - Inpatient hospitalisation expenses:
      Room including nursing costs: Up to 1% of the chosen sum assured
      ICU charges: Up to 2% of the chosen sum assured
      Following costs: Treating medical professionals, consumables, supplies, OT and other rooms, tests,
      equipment etc. up to chosen sum assured
      - Organ donor hospitalisation expenses: Up to chosen sum assured
      - Pre/post-hospitalisation expenses: Up to 30/60 days respectively up to 10% of the chosen sum assured
      - Cataract: 10% of the chosen sum assured per eye, Rs.25,000 (max.) - Hernia:15% of the chosen sum
      assured, Rs.1 lakh (max.)
      - Hysterectomy: 20% of the chosen sum assured, Rs.1 lakh (max.)
      - Specified day care procedures
      - Ayurvedic treatment undertaken at a government-approved centre
      - Health-check costs: Up to 1% of the average chosen sum assured over 3 prior claim-free years
      Add-on Covers 2 optional covers payouts made once during a policy period:
      - Ambulance Cover: Additional premium payable Rs.100 for cover up to Rs.2,500
      - Daily Cash Allowance:Additional premium payable Rs.150 for cover up to Rs.2,500 or Rs.300 for cover
      up to Rs.5,000
    • Gold

    • Entry Age 36 yrs. to 60 yrs. Only renewals above 60 yrs.; 3 months for children, if at least one parent is also covered
      Sum Assured Rs.1 lakh to Rs.5 lakhs in increments of Rs.50,000
      Discounts 5% on total premium for at least one additional member
      Coverage - Inpatient hospitalisation expenses:
      Room including nursing costs: Up to 1% of the chosen sum assured
      ICU charges: Up to 2% of the chosen sum assured
      Following costs: Treating medical professionals, consumables, supplies, OT and other rooms, tests,
      equipment etc. up to chosen sum assured
      - Organ donor hospitalisation expenses: Up to chosen sum assured
      - Pre/post-hospitalisation expenses: Up to 30/60 days respectively
      - Cataract, Hernia, Hysterectomy: Up to 25% of the chosen sum assured, Rs.1 lakh (max.)
      - Major surgeries: Up to 70% of the chosen sum assured
      - Specified day care procedures
      - AYUSH treatment undertaken at a government-approved centre
      - Health-check costs: Up to 1% of the average chosen sum assured over 3 prior claim-free years
      Add-on Covers 2 optional covers payouts made once during a policy period:
      - Ambulance Cover: Additional premium payable Rs.100 for cover up to Rs.2,500
      - Daily Cash Allowance: Additional premium payable Rs.150 for cover up to Rs.2,500 or Rs.300 for cover
      up to Rs.5,000
    • Individual Mediclaim

    • Basis Individual
      Sum Assured Chosen sum assured can be enhanced at renewal
      Premium Payable in advance
      Coverage - Inpatient hospitalisation expenses:
      Room including nursing costs: Up to 1% of the chosen sum assured
      ICU charges: Up to 2% of the chosen sum assured
      Following costs: Treating medical professionals, consumables, supplies, OT and other rooms, tests,
      equipment etc. up to chosen sum assured
      - Organ donor hospitalisation expenses: Up to chosen sum assured
      - Pre/post-hospitalisation expenses: Up to 30/60 days respectively
      - Cataract, Hernia, Hysterectomy: Up to 25% of the chosen sum assured
      - Major surgeries: Up to 70% of the chosen sum assured
      - Specified day care procedures
      - Ayurvedic treatment undertaken at a government-approved centre
      - Health-check costs: Up to 1% of the average chosen sum assured over 3 prior claim-free years
    • Platinum

    • This policy targets a younger customer-segment, capping the entry age of proposers at 35 yrs. Key features of this plan are high coverage at affordable rates and the option to cover one’s dependent children as well.


      Entry Age 18 yrs. to 35 yrs.; only renewals beyond 35 yrs.;
      3 months for children, if at least one parent is also covered
      Sum Assured Rs.1 lakh to Rs.10 lakhs in increments of Rs.50,000
      (chosen sum assured can be enhanced at renewal)
      Discounts 5% of total premium for at least one additional member
      Coverage - Inpatient hospitalisation expenses:
      Room including nursing costs: Up to 1% of the chosen sum assured
      ICU charges: Up to 2% of the chosen sum assured
      Following costs: Treating medical professionals, consumables, supplies, OT and other rooms, tests,
      equipment etc. up to chosen sum assured
      - Organ donor hospitalisation expenses: Up to chosen sum assured
      - Pre/post-hospitalisation expenses: Up to 30/60 days respectively
      - Specified day care procedures
      - AYUSH treatment undertaken at a government-approved centre
      - Health-check costs: Up to 1% of the average chosen sum assured over 3 prior claim-free years
    • Senior Citizen

    • This is a health insurance policy meant to extend insurance coverage to older members of society viz. senior citizens. The needs of this group, considered a high-risk category, are often ignored. However, this plan makes health care a viable option for people post-retirement


      Entry Age 61 yrs. to 80 yrs., only renewals above 80 yrs.;
      3 months for children, if at least one parent is also covered
      Sum Assured Rs.1 lakh to Rs.3 lakhs in increments of Rs.50,000
      (chosen sum assured can be enhanced at renewal)
      Co-payment 20% for major illness claims as total package
      Discounts 5% of total premium for at least one additional member
      Coverage - Inpatient hospitalisation expenses:
      Room including nursing costs: Up to 1% of the chosen sum assured
      ICU charges: Up to 2% of the chosen sum assured
      Following costs: Treating medical professionals, consumables, supplies, OT and other rooms, tests, equipment etc. up to chosen sum assured
      - Organ donor hospitalisation expenses: Up to chosen sum assured
      - Pre/post-hospitalisation expenses: Up to 30/60 days respectively up to 10% of the chosen sum assured
      - Cataract, Hernia, Hysterectomy: Up to 25% of the chosen sum assured
      - Major surgeries: Up to 70% of the chosen sum assured
      - Specified day care procedures
      - AYUSH treatment undertaken at a government-approved centre
      - Health-check costs: Up to 1% of the average chosen sum assured over 3 prior claim-free years
    • Super Top-Up and Top-Up

    • In addition to the above health plans, top up policies can also be availed. These can be taken to enhance the basic coverage. This is especially useful for those who already hold a policy and wish to supplement it in an economical way.

    • UNI Criticare

    • This is taken to cover specific critical ailments often excluded under most health plans. A payout is made on diagnosis of these illnesses, subject to a survival period.

      Personal Accident Insurance Policy:

      Meeting with an accident isn’t something one expects will ever happen to themselves, and this is why most people avoid getting accident insurance policies. It’s unfortunate that when such people meet with accidents, they aren’t able to meet medical costs and are stuck in a financially unstable situations which could’ve been avoided. Accident health insurance policies like United India’s Personal Accident Insurance Policy have been designed keeping in mind the needs of those who have met with accidents are were rendered unable to provide for their families or themselves. If an accident leaves you dismembered, takes away your eyesight or hearing, etc. there are insurance policies that will compensate you and your family owing to the fact that you may not be able to earn a living after the accident. In the case of your unfortunate death due to accident, this policy will pay out a death benefit to your family to keep them afloat during hard times.

      Features of United India Personal Accident Policy:

      • 100% of the sum insured is paid on death of the policyholder to the nominees.
      • 100% of the sum insured is paid to the policyholder if he / she has been rendered permanently totally disabled by an accident.
      • 100% of the sum insured is paid to the policyholder if he / she loses limbs or eyes due to an accident.
      • Dependent children are paid out an additional education benefit.
      • The policy has worldwide coverage.
      • Insurance cover can be sought up to the age of 80 after medical tests are taken (for applicants over the age of 70).

    All plans should be read in conjunction with the terms and conditions outlined therein. Due attention should be given to those events, ailments, injuries and circumstances which lead to rejection of claims(i.e. exclusions).


    *GST and other charges are to be factored in wherever applicable.

    Dos and Don’ts of United India Health Insurance

    Here are some dos and don'ts one should keep in mind when purchasing a United India Health Insurance policy, renewing an existing policy, making changes in the policy schedule, making claims or registering grievances:

    Process Dos Don’ts
    New policy
    • The proposal form submitted by the proposer should contain his or her personal details including contact number and email ID.
    • Read the prospectus carefully before filling out the proposal form. It contains details of the chosen health insurance policy.
    • The insured person details form has to be filled with details of each family member that is to be covered under the policy. Along with the form, a stamp-size photograph and an ID of each family member like Voter's ID, Passport, PAN card or Driving Licence has to be submitted to the insurer.
    • At the time of proposal, honestly disclose any pre-existing illness, injury or ailment for each insured person.
    • For any clarification regarding the proposal form, contact the insurer's office.
    • A copy of the duly-filled and signed proposal form will be given to the proposer along with the policy copy within 30 days of policy issuance.
    • Check the name, age, gender, address, and other personal details in the policy schedule. Ensure the period of insurance is correct.
    • Don't furnish any false information on the proposal form.
    • Don't sign the proposal form without reading the terms and conditions.
    • Don't hide any facts or material information like pre-existing conditions of the insured member.
    Renewal
    • Keep track of the policy renewal date and renew the policy before the due date to enjoy continued benefits.
    • Pay the renewal premium within the 7-days grace period to avoid policy lapse.
    • Read the sum insured enhancement condition carefully before requesting for enhancement of sum insured.
    • Changes at the time of policy renewal have to be given in the form of written requests.
    • A receipt of the premium payment has to be kept under Indian Law
    Don't delay in policy renewal even by a day or else claim will be not be payable.
    Cashless claim
    • Ensure the hospital falls under the network hospitals of the insurer to avail cashless facility.
    • In the case of a planned hospitalisation, the TPA has to be given prior intimation with the name and address of the hospital.
    • In the case of an emergency hospitalisation, the TPA has to be intimated immediately after admission.
    • The hospital has to send a duly-signed pre-authorisation request by the insured to the TPA. Admission details, illness, treatment, and expense have to be mentioned in the form.
    • Upon discharge from the hospital, pay the difference amount.
    • Pre and post-hospitalisation expenses can be claimed individually. In the case of post-hospitalisation claim, all original documents have to be submitted within 7 days to the TPA.
    Don't delay the submission of the documents required by the TPA or the insurer.
    Reimbursement claim
    • In the case of reimbursement claims, the TPA has to be intimated within 24 hours of hospitalisation.
    • Obtain the discharge summary, investigation report, hospital bills, pharmacy bills, and prescriptions from the hospital at the time of discharge. The original documents have to be submitted to the TPA within 7 days of the discharge date.
    • Separate claims can be made for pre and post-hospitalisation expenses. All original documents have to be submitted within 7 days to the TPA for a post-hospitalisation claim.
    • Keep a copy of all the medical documents.
    • Don’t forget to disclose insurance details at the time of admission.
    • Don’t forget to read the pre-authorisation request form carefully before signing it.
    • Don't hide facts to avoid facing a dispute at the time of making a claim.
    Grievance
    • Write a mail to the policy issuing office regarding any complaint or grievance the policyholder may have with the services rendered by the insurer.
    • Approach the Regional Office or Head Office for redressal.
    • If the loss is below Rs.20 lakh and the policy is issued to an individual, the grievance can be escalated to the Honorable Ombudsman (if the policyholder is dissatisfied with the redressal carried out by the insurance company).
    Don't hide facts related to the complaint and the concerned members.

    United India Health Insurance FAQs

    1. What are the discounts that can be availed under the Senior Citizen scheme?
    2. A 5% discount is available on the total premium payable for at least one extra member.


    3. What is the time period within which the health insurance policy can be renewed?
    4. The United India Insurance policy can be renewed from thirty days prior to the date of expiry of the policy up until the actual expiry date of the policy.


    5. I am unable to renew my United India health insurance. Why?
    6. Inability to renew policies of health insurance of United India Insurance would occur in the following scenarios -

      • In the event that the insured is over the age of 60 years
      • If the insured has any critical illness, then the proposal will be subject to internal approval

    7. Who is the third party administrator for United India Insurance policies?
    8. The third party administrator for the United India Insurance policies that are bought online is Vidal Health TPA whose headquarters are in Bangalore.


    9. I have not received my health card after taking the United India Insurance policy online. What should I do?
    10. Contact your health insurance provider at the earliest because the health card is a mandate for making cashless claims. Your health card is also your proof that you are covered under a United India insurance policy.


    11. Is it possible to modify an existing policy by including additional persons?
    12. Yes, including additional persons in an existing United India Insurance policy is possible in the event that -

      • The original policy was bought online.
      • The policy is taken care of by the online team of United India Insurance.
      • The policy starts with digits other than, 311101 or 011101, then modification of those policies can only be done by the corresponding branch and online requests cannot be honoured.

    13. My United India health insurance policy is about to expire. What should I do?
    14. You must renew your United India health insurance policy before the date of expiry. In the event that the policy is not renewed, the continuity of the cover will be lost, if not renewed within seven days from the stipulated due date of the renewal.

      If you do not renew your health insurance during the time frame allotted, you risk losing all the continuity benefits under the health policy.


    15. I have been covered under the United India Family Medicare policy for 2 years now. Am I eligible for any discounts?
    16. Yes, United India health insurance offers discounts to policyholders of Family Medicare policies as well as Family Medicare 2014 policies in the following circumstance- United India health insurance offers a discount rate between 3%-15% on the renewal premium. This discount is applicable after you have completed three claim-free consecutive years as a United India health insurance policy holder. Post completing three years of no claim the discount will be applicable annually.


    17. I am a policyholder of the United India Gold health insurance policy. I would like to like to add my wife as an additional member. Are there any discounts applicable for this?
    18. Yes, persons insured under the United India health insurance policies such as Gold, Platinum and Senior Citizen are offered a 5% deduction on the total premium of the existing policy upon the addition of a family member.


    19. I am covered under the Family Medicare 20014 policy. I would like to avail the add-on cover of daily cash allowance. What is the premium that I will need to pay?
    20. You can avail the daily cash allowance add-on at the following premium -

      ADDITIONAL PREMIUM PAYABLE COVER AMOUNT
      Rs. 150 Rs. 2500
      Rs.300 Rs. 5000

    21. How to carry out United India Health Insurance online renewal?
    22. Go to the 'Health Insurance' tab on the website, click on 'Renew health insurance policy', and enter the 20-digit policy number. Health insurance policy will be available for renewal 30 days before the expiry date. Update the customer ID for successful completion of the policy renewal process. Pay the renewal premium using netbanking, credit card or debit card.

    23. What is the customer care number of United India Health Insurance?
    24. For any policy-related queries, contact toll-free number 1-800-425-33333 from Monday to Friday between 10:00 am to 5:45 pm. Queries can also be mailed to customercare@uiic.co.in.

    25. How locate United India Health Insurance network hospital?
    26. The list of network hospitals of United India Insurance can be found the insurer's website. The list can be downloaded from the website in pdf format. Click on the 'Contact Us' tab and go to PPN Network Hospitals tab for the list of network hospitals in each state.

    27. How to carry out United India Health Insurance customer login?
    28. Registered customers can log into the United India Health Insurance web portal using their valid username and password.

    Examples of Network Hospitals in Major Cities

    CITY NAME OF HOSPITAL
    DELHI KUBER HOSPITAL
    MUMBAI ASHWINI HOSPITAL & ICCU
    KOLKATA ADVANCE MEDICARE & RESEARCH INSTITUTE LTD
    BANGALORE AKSHAYA NETHRALAYA
    CHENNAI AAKASH HOSPITAL

    *Disclaimer - This is not an exhaustive list but an indicative representation of hospitals that form a part of the company's wider network.


    News About United India Health Insurance

    • M N Sarma is the Chairman and MD of United India Insurance

      United India Insurance Company announced that M N Sarma has been appointed as the chairman and Managing Director. Previously, Sarma was serving as the MD and CEO of Health Insurance TPA of India which is a joint venture of public sector non-life insurance companies in the country. He started his career in 1982 at New India Assurance. He has worked at Oriental Insurance Company and has experience working in investments, marine cargo, health, and IT fields.

      3rd October 2017

    • United India Insurance and Bank of Maharashtra Renew Partnership

      The United India Insurance Company and the Bank of Maharashtra have renewed their tie-up, allowing bank customers to buy any of United India Assurance’s products at any of the bank branches. The announcement was made by the bank’s Chairman at a recent meeting. Customers can buy motor, health, fire as well as marine and overseas travel insurance policies at the bank’s 1,896 branches.

      14th October 2016

    • United India’s chances of winning Goa’s Health Scheme bid just got better

      United India Insurance Company which is one of the upcoming health insurance providers in India comes closer to winning the bid for a health insurance scheme being launched by the Government of Goa. The health insurance scheme which is named ‘Din Dayal Swasthya Seva Yojana’ will cover 15 lakh people in Goa which also includes three families in the region. In a proposal inviting bidders, the Government of Goa stated that the insurance scheme will offer cover up to Rs. 2,50,000 per annum for a family of three members and less and a cover of Rs.4 lakh for a family of four members and less.

      The scheme will provide quality healthcare treatment, hospitalisation and surgery in both government and private hospitals unlike the other health insurances in the past which had a lot of flaws. The health department in Goa opened financial bids for flagship of the scheme a while ago and United India was one among the many bidders and has high chances of winning the bid. The health department will send out a comparative statement to the state government for finalisation.

      27th April 2016

    • Kundam festival devotees to get health insurance

      Devotees who throng the Kundam festival can stay rest assured, for the Bannari Amman Temple has tied up with United India Insurance to offer a health cover to devotees for the third year running. Devotees who participate in the fire-walking ritual during the festival will be insured for Rs 1 lakh. Devotees who wish to register in the scheme should provide a certificate from a government hospital, with the scheme covering injuries which happen in the temple premises.

      28th March 2016

    • United India Insurance’s net profit drops

      The net profit of United India Insurance has slipped in the first half of the current year in comparison to the corresponding period previously. For the half year ended September 30, 2015, the company reported a net profit of Rs. 356.21 crore as against the previous amount of Rs.376.24 crore. The premium increased to Rs. 5,914 crore (earlier Rs. 5,291 crore); and investment income was Rs. 1,073.84 crore (previously Rs.1,067.40 crore).

      According to Milind Kharat, Chairman and Managing Director, United India Insurance, increased health claims ratio and higher provisioning for wages were the reason for the drop in net profit.

      20th November 2015

    • United India Insurance Collects Premium worth Rs.10,620 Cr

      Public sector non-life insurer United India Insurance Company Ltd collected gross premium worth Rs.10,620 crore in last fiscal year, company sources said.

      The general manager of the company, V.E. Kaimal said, “The Company hopes to close last fiscal with gross premium of Rs. 10,620 crore,” he said.

      The non-life insurer saw business growth across all of its areas of operations--especially health and motor insurance portfolios which led to the enhanced premium collection. United Insurance collected gross premium of Rs.9,709 crore in the last fiscal. The company also operates business lines like motor, health, household and shopkeeper insurance, among others.

      20th April 2015

    • United India expects 11% growth for 2014-15

      United India Insurance is a major insurance company in the nation especially in the northern states. The company collected a total premium income of Rs.9700 crore in the last fiscal year. United India Health insurance is also a very popular product among other products in the company’s portfolio.


      With the insurance sector registering an average growth of 8%, the insurance company is confident of clocking around Rs.11000 crore as total premium amount collected in the coming fiscal. The company hopes to make a growth of 11% for the upcoming financial year 2014-15.United India has been collecting a major part of these premium amount from the state of Uttar Pradesh where it is anticipating a growth rate of 17%. The company is also set to hire around 1000 more employees across different offices in the country.


      Insurance in India has for quite some time been the monopoly of four government owned insurance companies that enjoyed a market share of about 50%. With new private players and several reforms and ordinances, the insurance industry is about to take a new leap in terms of growth and market share.


      28th January 2015

    This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    United India Health Insurance Reviews

  • Page 1 of 15 1 2 3 4 5
    • United India Health Insurance
      "satisfactory"
      0.5 4.0/5 "Great!"
      My health Insurance was taken with UNITED health Insurance since my company has a tie up with .Its a corporate Insurance . The tenure period is 1 years and the policy coverage is 1.5 lakhs. I am happy with the benefits and coverage. I get tax benefit and the company has a tie up with good network of hospitals. The customer service and responses was up to the mark. Its recommendable and the experience was satisfactory.
      Was this review helpful? 0
      , indore
      Reviewed on Oct 20, 2017
    • United India Health Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I got the Mediclaim policy which got the tie up from united India Insurance I hold this policy for more than 8 to 10 years. This policy covers 2 members, which is myself and my spouse. It has the medical coverage up to Rs.2lakhs. I renewed the policy by paying Rs,4500 with United India health Insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • United India Health Insurance
      "Good policy"
      0.5 4.5/5 "Excellent!"
      I got the MD India health insurance policy with United India fro past 6 years. The customer support is good with United India. I got the claim from this policy , I have received the claim within 45days of time. This policy covers whole around 4members. Myself , my spouse and my 2 children. I can able to claim up to 10lakhs.
      Was this review helpful? 0
      , greater noida
      Reviewed on Oct 15, 2017
    • United India Health Insurance
      "Average policy "
      0.5 4.0/5 "Great!"
      I got the Health Insurance with United India around 3 years ago. I got this policy which is provided my company. This policy covers 4 member which is myself, my spouse and my parents. The medical claim is available up to 4lakhs. The company will pay to renew the policy on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 15, 2017
    • United India Health Insurance
      "Good policy to use"
      0.5 3.0/5 "Satisfactory"
      The medical coverage is high with this policy I can claim up to 5lakhs. This policy covers 3 members, which is myself and my parents. I hold a health insurance policy with united India for more than 4 years. This policy is provided by company. I had a claim experience with this policy, I got the 95% of claim amount and I have got the treatment with the cashless treatment option.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2017
    • United India Health Insurance
      "Excellent policy to use"
      0.5 5.0/5 "Blown Away!"
      I had claim experience with United India health insurance. I got more than 100% of the claim amount which is very good with this policy. I got the health insurance policy for more than 6years. The customer support is good with United India. This policy is provided by my company and I am not sure about the renewal amount This policy covers 4 members with the little extra premium amount. I have added my parents as well, this policy provides the coverage up to 7lakhs.
      Was this review helpful? 0
      , noida
      Reviewed on Oct 14, 2017
    • United India Health Insurance
      "excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance through bank so they were not asked with much documents they only ask for my photographs and id profs even the representatives who worked during the process was also very good so overall service of UNITED INDIA for my health insurance service is excellent .
      Was this review helpful? 0
      , ernakulam
      Reviewed on Oct 13, 2017
    • United India Health Insurance
      "Average policy"
      0.5 3.0/5 "Satisfactory"
      I am having a health Insurance policy with United India for past 6months. The customer service is average with United India. I never had any claim experience with this policy. This policy covers 3memebsre which is myself and my spouse and my child. This policy has the coverage up to 2.50,000.I am satisfied having a policy with United India.
      Was this review helpful? 0
      , kochi
      Reviewed on Oct 06, 2017
    • United India Health Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      My company HINDUSTAN AERONAUTICS LTD has given me an health insurance coverage with United India Insurance. This health insurance policy covers only the employees(which is me). This is not a family coverage policy. This policy covers up to 10 lakhs. So far I have not availed any service from them. My company pays the premium for my health insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 05, 2017
    • United India Health Insurance
      "The most economic Insurance "
      0.5 5.0/5 "Blown Away!"
      They gave good no claim bonus , gave 95% of the amount claimed , no hassles , although the hospital did not have cashless facility which was an issue but still no issue as they gave the amount claimed . But one needs to make sure all the rules and limits like room rent are followed and proper itemised bills are taken from hospitals and doctors both during hospitalisation and pre/post.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 04, 2017
    • United India Health Insurance
      "Good "
      0.5 4.0/5 "Great!"
      I am having the health insurance policy with the United India Insurance company and I been with them from the last twelve years to thirteen years of time. Customer service is fine one for me. Response is good for me with the United India Insurance company.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Oct 04, 2017
    • United India Health Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      The customer service is good with United India. I had a claim experience with the united India health insurance policy. I have got both the coverage of cashless treatment and the claim . This policy covers 5 members which is myself, my parents, my spouse and my daughter, , I got this policy around 9years ago. I would say it is good health insurance policy
      Was this review helpful? 0
      , pune
      Reviewed on Oct 03, 2017
    • United India Health Insurance
      "Better"
      0.5 5.0/5 "Blown Away!"
      With the United India Insurance company, I am having the health insurance policy and am really happy with them . The response is good one and their premium value, coverage value too. I have not faced any claims with them till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 30, 2017
    • United India Health Insurance
      "Good experience"
      0.5 4.0/5 "Great!"
      I have taken health insurance for Myself and my family with UNITED INDIA INSURANCE . The premium renewed was economical and Its a corporate insurance.The time duration for funds realization was 1 year and there is no tax benefit with this. My overall experience was good and I am happy with the policy coverage also,
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 26, 2017
    • United India Health Insurance
      "EXCELLENT SERVICE"
      0.5 5.0/5 "Blown Away!"
      The service was very excellent from UNITED ,representatives helped me a lot during the insurance process ,documentation part made easy . But regarding new schemes and offers I wont get much ,still as an overall it was an very excellent service from UNITED .
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 26, 2017
    • United India Health Insurance
      "Life future surprise"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance policy with the United India Insurance company and am having it from the last five years of time. Coverage value is enough one for me and I have not found any issues with them till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 25, 2017
    • United India Health Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      I am having the health insurance policy with the United India Insurance company and the response is fine one with them. I have faced some claims with them and I have around 100% of cost of treatment as reimbursement.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 25, 2017
    • United India Health Insurance
      "GOOD SERVICE"
      0.5 3.0/5 "Satisfactory"
      It was a very good service from UNITED INDIA ,I have started using their service for the couple of months their representatives use to update me regularly regarding their new schemes and offers. So overall it was very good experience with UNITED INDIA never had any issue with their service till now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 24, 2017
    • United India Health Insurance
      "Need to explore"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance policy with the United India Insurance company and the coverage value is around ten lakh Rupees for my full family and I have not faced any claims with them till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 21, 2017
    • United India Health Insurance
      "Better policy to use"
      0.5 3.0/5 "Satisfactory"
      I am having a health insurance policy from United India for past 3 years. The customer service is good with this policy. I got this policy which is provided by my company. My company will pay Rs.400 every month towards this policy. The plan benefits and the cashless treatment options are available with this policy. I didn't got any claim experience yet.
      Was this review helpful? 0
      , hosur
      Reviewed on Sep 19, 2017
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