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  • United India Health Insurance Claims Procedure

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    This is a public-sector general insurance provider formed in 1938 and was 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.

    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. United India Health Insurance offers a series of health insurance products, based on the requirements of the Indian family, health care and lifestyle. Some of their leading health insurance plans include Family Medicare, Family Medicare 2014, Individual Mediclaim, Platinum, Senior Citizen and some other products such as Super Top-up, Top-up and UNI Criticare.

    Incurred Claim Ratio for United India Health Insurance:

    The Incurred Claim Ratio (ICR) of any specified insurance providing company indicates the company's performance in simple words. It basically allows prospective customers get a better understanding about what to expect in terms of health insurance. The Incurred Claim Ratio for United India Health Insurance products for the time 2014-15 and 2015-16 has been mentioned in the table:

    For 2015-16

    Net Earned Premium (in lakhs INR) Net Claims Paid (in lakhs INR) Incurred Claims Ratio (Percentage)
    375121 458596 122.25

    For 2014-15

    Net Earned Premium (in Lacs) Net Claims Paid (in Lacs) Incurred Claims Ratio (%)
    Rs. 299,246 Rs. 356,057 118.98%

    Based on the understanding of ICR, it is clearly visible that the numbers are impressive and the ICR is quite good. However, the net earned premium is lower that net claims paid. This is indicative of the fact that claim settlement is higher than the earnings, which means that the company does not make up its finances. However, being a government or a public sector institution it is not a much of a problem since these companies have a socialistic approach towards their customers.

    How to Claim?

    There are two situations that may occur when claiming health insurance. The cashless treatment is one that allows the policyholder to use the insurance as money to seek their treatment without having to pay any money upfront for treatment. The other scenario that is possible is in the case that the treatment has been already done and paid for but claim settlement requires to be made to allow the individual to be returned the money spent for treatment.

    To Claim for Cashless Treatment:

    Cashless treatment is basically utilized for a disease or illness, which is covered by the insurer including medical expenses for the treatment but on an individual basis, but independent of the patient is a part of a group health insurance or a family insurance plan. The patient requiring the treatment claim for a cashless facility at any of the network hospitals enlisted by United Health Insurance on their website, or policy brochure, across the country.

    • Procedure to File a Claim (Planned/Emergency Hospitalisation):

      Here is what is needed to be done for a cashless claim:

      1. Get in touch with the network hospital and ensure that you have the health card issued by USGI and seek admission.
      2. Intimating, is an important part of the filing process for the cashless facility. It can be done easily. All one needs to do is simply contact the number mentioned on the card or the health insurance helpline number 1-800-425-33333.
      3. In the case of a planned hospitalization one needs to reach out to the company, 2 days prior to admission.
      4. It is then required to provide the hospital with the health card as well as an ID proof with photo who will then start the verification of your credentials.
      5. Once this process is completed, a pre-authorization form needs to filled with appropriate details by the hospital. This form will require the signature from the attending doctor. In cases of planned hospitalisation, an authorisation letter is required to be submitted.
      6. The pre-authorization form, once is filled, signed and overall completed needs to be sent to the the insurance provider with relevant information by the hospital.
      7. The insurance providing company will then contact the relevant bank to update the status of the claim made, which will be either accepted or rejected or possibly a request for additional information or documentation.
      8. On acceptance, the medical bills covered under the policy is settled by New India Assurance, while things that are not covered will have to be taken care of, by the patient/card holder.
      9. The policy holder needs to then take a thorough look verify and sign the original bills and at the same time keep a photocopy of the entire hospitalisation record.
    • Claims Process:

      Here is how the claim process for United India health insurance works:

      1. It is required to register the claim within 7 days of the patient’s or the covered individual’s discharge, and immediately let New India Assurance know about it.
      2. You need to fill and submit the Claims Form, providing a photocopy of a valid ID proof along with it.
      3. Then you must send the required medical certificates along with diagnosis reports which has been signed by a doctor.
      4. All the reports as well as the discharge summary i.e. original copy has to be submitted for verification.

      The insurance provider will then approve or reject it based on the policy in place.

    For Reimbursement of Treatment Expenses:

    The insured individual can claim a reimbursement for the expenses incurred for the treatment with a few simple steps, after receiving the treatment and paying for the treatment.

    1. Procedure to File a Claim:

      Here is what you need to do to file a claim for reimbursement of medical bills through your mediclaim:

      • The insurance company has to be informed immediately once the person covered under the mediclaim is being hospitalised.
      • After the treatment is completed, all hospital bills have to be settled by the policyholder, along with keeping all the bills and reports.
      • Submit the duly filled claims form to United India Insurance for processing and reimbursement. The insurer will reimburse all bills if as long as all the information provided is given correctly.
    2. Documents Required:

      The following documents need to be submitted to United India Health Insurance:

      • Bills: All the original hospital bills, with stamps and signatures from the hospital has to be submitted.
      • Claim form: The claim form which needs to be filled with relevant details, signatures and finally be submitted.
      • Discharge Report: The original discharge report has to be submitted as well.
      • All other originals reports related to the treatment (including medicine bills and investigation reports) has to be submitted.
      • The future line of treatment as well as follow-up check-ups by the relevant doctor should be sent as well.

    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 Claims Procedure Reviews

  • Page 1 of 11 1 2 3 4 5
    • United India Health Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      I've a a health insurance policy from the United India Insurance company. The company is paying premium and the entire family is covered. It offers an annual coverage of 3 Lacs. There hasn't been any claim experience so far with the policy.,..
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 29, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with United India Insurance from last 6 months, I have no claim experience so far with this insurance policy. I am not aware of the premium amount as my company pays it. They gave a coverage value of Rs 5 lacs for this insurance policy.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Aug 27, 2018
    • United India Health Insurance
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      My health insurance is with United India Insurance. The policy is for my family and I and there are no hassles to buy the policy. I have had claim experience as well and there is a cashless facility as well. The premium is also good. Overall no issues.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Aug 21, 2018
    • United India Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the employer provided health insurance policy from the United India Insurance. I claimed this policy for my father , the company is paying the premium. By default it offers an annual coverage of 4 lacs. For an add on coverage of 10 lacs I'm paying a premium of 800 per month., They process the claim immediately, I got the whole amount 6 lacs.. It was a great experience
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 21, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 15 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance policy. This is a family policy so the coverage value is Rs 3 lakhs.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 12, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 2 years, it is a family coverage for mediclaim where i have a coverage value of Rs 3 lakhs. I have no claim experience so far and also there is a coverage of Rs 5 lakhs for accidental policy. I am not aware of the premium amount as my company pays it.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jun 28, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 8 years, i am not aware of the premium amount as the company pays it. I have a coverage value of Rs 1 lakh and that covers spouse and children. I have no claim experience so far from this insurance policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 08, 2018
    • United India Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My health insurance is provided by the Company. The premium is paid by the company. The premium is 8000 per year for the health insurance from United India. I never had any claim experience with the policy. I'll have to wait and see how they respond in case if I need to claim it in future.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 02, 2018
    • United India Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      The UNITED INDIA INSURANCE company has given me a health insurance policy and it covers 6members in my family. It has the medical coverage up to Rs,3,00,000. The cashless treatment option and the claim amount options is viable with this policy.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 21, 2018
    • United India Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with United India Insurance from last 2 years, my claim experience was very good with this insurance policy. They covered 90% of the billed amount and i am satisfied with the coverage value of Rs 3 lakhs. I am not aware of premium as my company pays it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 26, 2018
    • United India Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have a health insurance policy with United India Insurance from last 5-6 years, my claim experience was not up to the mark as they covered only 40% of the billed amount. I have a coverage value of Rs 3 lakhs and i pay a premium of Rs 3200 for this insurance.
      Was this review helpful? 0
      , surat
      Reviewed on Apr 19, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 7-8 years, i have a coverage value of Rs 4 lakhs for this insurance policy. This policy has to be renewed every year and i am not aware of the premium amount. I do not have claim experience so far with this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 10, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance with United India Insurance from last 11 years and it is a good policy to use. I pay a premium of Rs 13000-14000 which has to be paid every year for this insurance. My claim experience was very good and they covered 70%. I have a coverage amount of Rs 8 lakhs for this insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 26, 2018
    • United India Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I have got the dedicated health care service from the UNITED INDIA INSURANCE company , and this health insurance policy is been provided by my company. The customer support service is good with the UNITED INDIA INSURANCE company. The claim experience and the medical coverage is good with this policy .
      Was this review helpful? 0
      , pune
      Reviewed on Mar 21, 2018
    • United India Health Insurance
      "Good policy "
      0.5 3.5/5 "Pretty good"
      I have taken a health insurance from UNITED INDIA INSURANCE. The total policy coverage is 3 lakhs. The claim experience was good. Customer care number will be always not reachable. They have both cashless and reimbursement. They dont have any health checkup facility.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 20, 2018
    • United India Health Insurance
      "Good policy "
      0.5 4.0/5 "Great!"
      Initially I have got the UNITED INDIA health insurance policy , this policy covers 4 members in the family . This policy has the medical coverage amount up to 5 lakhs rupees and i never had any claim experience with this policy . I am satisfied using the United India health insurance policy .
      Was this review helpful? 0
      , noida
      Reviewed on Mar 19, 2018
    • United India Health Insurance
      "Good"
      0.5 2.0/5 "Expected more"
      My company has offered me a corporate policy with United India. The reimbursement can be done only up to 80%. The policy was taken for the entire family. The customer service was good. The claim experience and cashless facilities was good. The policy coverage was 3L.
      Was this review helpful? 1
      , new delhi
      Reviewed on Mar 15, 2018
    • United India Health Insurance
      "Health insurance"
      0.5 3.0/5 "Satisfactory"
      I have taken health insurance from UNITED INDIA INSURANCE with a premium of 1000. It covers my whole family. There is no health check up facility available. They provide reimbursement. Still there is no claim experience with United India.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 12, 2018
    • United India Health Insurance
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have taken Health Insurance with United India Insurance.The premium amount is 7000 its debited from my salary.I don't have claim experience with them.The policy coverage amount is four lakhs.The policy is taken 7-8 months ago.They cover 100% cash less treatment.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 10, 2018
    • United India Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with United India Insurance from last 3 years and it is a good policy to use. This policy has to be renewed every year and i pay a premium of Rs 7000 on annual basis. I do not have claim experience so far with this insurance. I have a coverage of Rs 3 lakhs, only spouse and children are covered in this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 26, 2018
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