This is a public-sector general insurance provider 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.
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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.
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.
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 . 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.
Here is what is needed to be done for a cashless claim:
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.
Here is what you need to do to file a claim for reimbursement of medical bills through your mediclaim:
The following documents need to be submitted to United India Health Insurance:
Here is how the claim process for United India health insurance works:
GST rate of 18% applicable for all financial services effective July 1, 2017.
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