• United India Health Insurance Claims Procedure

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    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 10 1 2 3 4 5
    • United India Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I got the UNITED INDIA INSURANCE health insurance policy around 4 months ago. This policy covers 2 members in my family. I have got the medical coverage up to Rs,3,00,000 from this UNITED INDIA INSURANCE health insurance policy. I never got any claim experience with this policy .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • United India Health Insurance
      "Good policy"
      0.5 3.0/5 "Satisfactory"
      I have taken a health insurance from UNITED INDIA INSURANCE. They provide cashless facility. And i dont have any previous claim experience. Yearly i have to renew the policy. This policy cover my family and myself. They provide cashless facility.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Feb 19, 2018
    • United India Health Insurance
      "Good Insurance provider"
      0.5 5.0/5 "Blown Away!"
      I have a corporate insurance with United India Insurance for the sum assured of Rs.10 lakhs including my family members. I did a claim, when I met with the accident, I got cashless hospitalization service, totally I was admitted for 10 days, they took care of everything. The process was good, I claimed to Medi assist whose got tie up with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 12, 2018
    • United India Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I haven't started using the United India health Insurance , which was offered by my company. This policy covers 2 members which is myself and my mother. This policy has the medical coverage up to Rs,5,00,000. I never had any claim experience so far.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Feb 09, 2018
    • United India Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken a health insurance from UNITED INDIA INSURANCE. Its my corporate insurance which has been provided through my company. The total policy covers for 2 lakhs. They provide cashless and reimbursement. I dont have any previous claim experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 08, 2018
    • United India Health Insurance
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Health insurance with United India Insurance.The premium amount is 6000 per annum.I have no claim experience with them,they had covered 100% cashless treatment.The policy is three lakhs including family members.I am happy using this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 02, 2018
    • United India Health Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I am having a health insurance policy with United India Insurance from last 10 years and it is a good insurance policy to use. The premium amount gets auto deducted from my salary account. I have not taken any cashless treatment and i do not have claim experience so far with this insurance. I have a coverage of Rs 5 lakhs which is satsifactory.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 30, 2018
    • United India Health Insurance
      "Good experience"
      0.5 4.0/5 "Great!"
      Earlier I had taken a health insurance with United India Insurance. It was closed by last year. The claim experience was good with United. I met an accident so I had utilized the insurance for my surgery. They offered me a medical coverage of 2L. The cashless facilities are good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 13, 2018
    • United India Health Insurance
      "Good policy to hold"
      0.5 4.0/5 "Great!"
      I have my health insurance with United India Insurance. I have been using this health insurance for almost 4 years and my company LIC is paying this insurance and renewing it for me regularly without any fail. The coverage is 3 lakhs. Till now I didn't have any claim experience with them.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 02, 2018
    • United India Health Insurance
      "Good insurance"
      0.5 4.0/5 "Great!"
      I have a good experience with United India,i have taken a health insurance .I pay premium amount of 200 every month,i get a policy coverage of two lakhs.The payment gets debited from my salary very month.I have no claim experience with them so far.
      Was this review helpful? 1
      , bangalore
      Reviewed on Nov 30, 2017
    • United India Health Insurance
      "Good policy to use"
      0.5 3.0/5 "Satisfactory"
      I have got the health insurance policy with United India which is provided by company. I am having this health insurance policy for past 2years. I never used this policy sop far. This policy covers myself in my family. I have medical claim around 2lakhs. The cashless treatment options are good with this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 27, 2017
    • United India Health Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having the health insurance policy with the United India Insurance company. I have not faced any claims with them till now, also the services are not yet experienced. Coverage value is around 1.5 to 2 lakh Rupees.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 27, 2017
    • United India Health Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      My United India health insurance policy covers 4 member in my family . Every year I can claim up to 1 lakh per member. I am holding this united India health insurance for past 3years. The customer support is good with untied India . I got this policy via my company,.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 24, 2017
    • United India Health Insurance
      "Good policy to hold"
      0.5 4.0/5 "Great!"
      I have my health insurance policy with United India Insurance for the past 9 years. My company pays for the insurance by deducting it from my salary annually. This insurance covers me and my parents, coverage limit is 3 lakhs. I have 2 claim experience in this 9 years. They process the claims pretty quick.
      Was this review helpful? 0
      , faridabad
      Reviewed on Nov 24, 2017
    • United India Health Insurance
      "Average policy to hold"
      0.5 3.0/5 "Satisfactory"
      I have a health insurance with United India insurance. I have been using this health insurance for past few years and my company is renewing it regularly every year. My company pays for me and my parents. Till now I didn't have any claim experience with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 20, 2017
    • United India Health Insurance
      "Good policy to hold"
      0.5 4.0/5 "Great!"
      I have my health insurance with United India Insurance. There are no maturity benefits after every year. I have a good claim experience with them. When I submitted my claim they took just 1 month to reimburse my claim amount. My company pays for me but I need to pay for my parents.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • United India Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I got the health insurance policy which was provided by my company, this policy covers only myself, I am not sure about the claim amount. I never had any claim experience with this policy. The cashless treatment options are available with this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 15, 2017
    • United India Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      The United India health insurance company has offered me a health insurance policy with the tie up of Prudent Plus . This policy covers 5members in my family. I can have the medical claim amount up to 5lakhs. The cashless treatment option is good with this policy. I never used this policy so far, but I am happy having the health insurance policy with United India.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 11, 2017
    • United India Health Insurance
      "Good policy "
      0.5 4.0/5 "Great!"
      Got the claim experience with the United India health insurance policy. I got the claim amount of 80,000 , I can claim up to 4lakhs as medical coverage to this policy. This policy covers 5members in my family. I paid Rs,9000 to renew the policy last year. I have the United India health insurance policy for more than 3years.
      Was this review helpful? 0
      , goa
      Reviewed on Nov 09, 2017
    • United India Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have the United India health insurance policy for more than 6years. This policy covers 4members in my family. In this policy, I can have the medical claim up to 4lakhs. The customer support is good with the United India. I never got any claim experience with this policy. The cashless treatment option is good with policy.
      Was this review helpful? 0
      , vizianagaram
      Reviewed on Nov 08, 2017
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