3 Easy Ways to Pay Premiums of United India Insurance Online
Updated On Apr 17, 2021
With the influx of online technology, United India has integrated online payment methods, which allow consumers to pay insurance premiums online at their convenience. It means any customer buying an insurance policy at United India can make payment online through the 3 simple modes: United India insurance portal, RTGC/NEFT and IMPS.
Before digging deeper about the United India Health Insurance Online Payment Modes, let’s throw light on United India Insurance Company and the health insurance policies that it offers at an affordable premium price.
About United India Insurance Company
United India Insurance Company is one of the fastest-growing general insurance companies in India. Established in 1938, it provides a wide range of insurance products related to health insurance, motor insurance, travel insurance, householder’s insurance, shopkeeper’s insurance and personal accident cover. The company offers health insurance policies that let the policyholders avail of cashless medical treatment in more than 7,000 hospitals PAN India and the reimbursement facility in choosing a non-network hospital in the country.
Talking about Claim Settlement Ratio, United India had 79.72% Health CSR for the year ended March 31, 2019.
Health Insurance Policies Offered by United India Insurance Company
The health insurance product range of United India has been specifically designed keeping the diverse needs of everyone in mind. Be it kids or senior citizens, everyone can secure their health under a suitable health insurance policy by United India. Let us take a quick look at the plans that the renowned health insurance company has to offer:
Individual Health Insurance Policy - Available in three variants, Platinum, Gold and Senior Citizen, Individual Health Insurance Policy offers a vast sum insured range starting from Rs. 2 Lakh and up to Rs. 20 Lakh. Talking about coverage benefits, daily cash allowance, road ambulance cover and domiciliary hospitalization are to name a few. Details can be checked here.
Key features of the Plan are as follows:
- Coverage for organ transplantation.
- Daily cash allowance given to the policyholder for completion of every 24 hours of hospitalisation.
- Plan offers coverage for pre-hospitalisation expenses up to 30 days and post-hospitalisation expenses up to 60 days.
- Strong financial support offered against hospitalisation expenses like room rent charges, nursing cost, ICU expenses etc.
Family Medicare Policy - Available at family floater sum insured basis, Family Medicare Policy is one of the best solutions to cover an entire family under a single plan. The benefits of the policy include no claim bonus, remote medical second opinion, and more. To uncover more information about the policy, click here.
Key features of the Plan are as follows:
- No pre-policy medical check up needed for individuals up to 60 years in age.
- Coverage offered for pre-hospitalisation expenses up to 30 days and post-hospitalisation expenses up to 60 days.
- Hospitalisation expenses covered for mental illness up to 25% of sum insured. Mental diseases covered under the plan are depression, psychosis, obsessive compulsive disorder, schizophrenia, and bipolar affective disorder.
- Coverage is also offered for Homeopathic, ayurvedic and unani treatments.
Senior Citizen Health Insurance Policy - Dedicated specifically to provide health and financial support to the elderly, United India’s Senior Citizen Health Insurance Policy known for covering in-patient hospitalisation, pre & post hospitalisation, domiciliary hospitalisation, AYUSH treatment, day care procedure, and more. For detailed information, check here.
Key features of the Plan are as follows:
- Plan offers coverage for pre-hospitalisation expenses up to 30 days and post-hospitalisation expenses up to 60 days.
- Coverage given for specified day care procedures.
- Expenses incurred on AYSH treatment at a defined hospital is covered under the plan.
- Coverage for domiciliary hospitalisation for a period going beyond 3 days subject to some specific condition.
UNI Criticare Policy - UNI Criticare Policy by United India is a plan dedicated to cover critical illnesses. The key feature of the policy is that it provides a lump sum amount in case of diagnosis with any of the covered critical illnesses, only one time. To learn more about the policy, click here.
Key features of the Plan are as follows:
- Policyholders are given flexibility to select sum insured as per their convenience.
- No exit age for continuous renewal of policy without any break in between
- The plan comes with a 90 days waiting period, post which you can receive the required coverage.
Corona Kavach Policy - United India’s Corona Kavach Policy is a standard insurance plan that can be purchased on either individual or family floater basis. The sum insured ranges between Rs. 50,000 and Rs. 5 Lakh. Designed to cover expenses incurred during Covid-19 treatment, the policy comes with multiple benefits. Details about the plan can be found here.
Key features of the Plan are as follows:
- Plan offers coverage for pre-hospitalisation expenses up to 15 days and post-hospitalisation expenses up to 30 days.
- In case the policyholder undergoes AYUSH treatment, then coverage for the same will be offered under the plan.
- Upon the diagnosis of Coronavirus( at a government authorized center or hospital) overall financial coverage up to 14 days is offered against home care treatment is offered under the plan.
Arogya Sanjeevani Policy - United India’s Arogya Sanjeevani Policy is a standard health insurance policy, available on individual and floater sum insured basis. Easily available for individuals aged between 18 years to 65 years, Arogya Sanjeevani Policy comes with a sum insured range of Rs. 1 Lakh to Rs. 5 Lakh. Offered for a policy period of 1 year, United India Arogya Sanjeevani Policy can be renewed for lifetime. To know more, click here.
Key features of the Plan are as follows:
- Plan offers coverage for pre-hospitalisation expenses up to 30 days and post-hospitalisation expenses up to 60 days.
- Coverage offered for treatment expenses through AYUSH up to the sum insured.
- Eligibility to avail cumulative bonus for every claim free year, with 5% increase( max 50% of sum insured).
Top Up Medicare Health Insurance - A top up plan that increases the sum insured amount, Top Up Medicare Health Insurance by United India is a worthy purchase. To know more about the plan, check here.
Key features of the Plan are as follows:
- Plan offers coverage for pre-hospitalisation expenses up to 30 days and post-hospitalisation expenses up to 60 days.
- Plan comes with the option of lifetime renewability
- Tax benefits are offered as per section 80 D of the Income Tax Act under the plan.
Super Top Up Medicare Policy - Super Top Up Medicare by United India is a super top up plan that will cover your medical expenses when the total bill exceeds the deductible limit. Details about the plan can be found here.
Key features of the Plan are as follows:
- The plan can be purchased on both family floater and individual basis.
- Coverage offered against room rent expenses, boarding expenses and nursing expenses under the plan.
- Coverage offered for modern treatments such as balloon sinuplasty, oral chemotherapy etc.
- Coverage for healthcare expenses incurred against the AYUSH system of medicine.
Why Should You Choose to Pay United India Insurance Premium Online?
While the world has gone digital, some people still prefer the offline mode for making different kinds of payments. Premium payment of health insurance is not an exception. While there is nothing wrong in paying health insurance policy premium offline, switching to the online mode is much beneficial.
Here are a few benefits of choosing the online mode for premium payment of a health insurance policy:
- Saves Time: When you pay health insurance premium online, you save a lot of your precious time. Visiting the health insurance company office and waiting in a long queue for your turn to arrive may waste a significant amount of your time, which you could easily invest in something else that is more productive. Online premium payment would just require you to make a few clicks as the process is much simpler.
- Saves Money: Many health insurance companies provide enticing benefits on buying a policy through online premium payment or online renewal. You may save a certain percentage of the premium amount on making an online payment. What’s best is that you would also save money that may have gone down the drain on making a visit to the company office.
- Less or No Paperwork: Online purchase or premium payment saves one from wasting their time and efforts in finishing all the paperwork. Health insurance policy premium payment can be done easily via the online mode without having to sit and go through every document only to end up feeling confused.
- More Comfortable: Paying insurance premium online is more comfortable in many aspects. A policyholder does not have to take stress to indulge in paying a physical visit, looking for an agent or broker, waiting for hours in a queue, and feeling frustrated due to all of the same and more. All in all, paying premium online is an easier process that gives one peace of mind as well as satisfaction.
3 Simple Ways to Pay Premiums of United India Insurance Online
Online payment methods of United India Insurance is a great move towards the benefits of customers. It brings transparency in insurance transactions. It lifts all the restrictions, especially the fixed time of the payment by visiting the branch offices of the insurance company. It eases the process of payment. It allows payment in seconds and so on.
Currently, the insurance company is accepting payment through different modes. All of them are secure and hassle-free. Here are different ways of paying premiums.
Through the Official Website
One of the trusted modes of premium payment is the official website of United India Insurance Company. One can purchase health insurance directly from the website.
Follow these step-by-step guides to under this process:
- Visit the website of the company
- Take the Cursor on ‘Health Insurance’ in the menu bar
- The drop-down menus with options like renewals, top-ups, etc. will appear
- Click on the “Get Quote & Buy” tab to make the payment
- On clicking, you’ll be redirected to a new page
- Enter details like start & end date of the policy, type of cover, etc.
- After entering the details, click “Get quote”
- Proceed to the next step of choosing a new health insurance policy
The process of making payment online, getting a new policy or renewing the existing one is quite easy through the official portal of United India Insurance. The website is user-friendly, and you’ll face no difficulty in the online payment mode.
Through NEFT/RTGS:
Besides the insurance portal, one can also pay the premiums through National Electronic Funds Transfer (NEFT) or Real Time Gross Settlement service. Banks provide both these services. To use either of these services, following personal details need to be furnished:
1. Account name
2. Name of the bank
3. The address of the bank
4. IFSC Code of the bank
When doing the transaction via NEFT, you’ll be asked to mention the Beneficiary Name. Write United India Insurance Company Limited as the beneficiary name. If you have any questions about the policy and the payment method through the NEFT or RTGS channel, you can get in touch with the customer service department of United India Insurance or InsuranceDekho.
Through IMPS
The Interbank Mobile Payments Service (IMPS) is another mode of online premium payment. This is an extremely easy option. This facility lets you receive an instant confirmation message via an SMS for the debt in your account and credit in the beneficiary’s account. However, in order to have the benefits of this option on your mobile, you need to perform a simple one-time activity:
- Subscribe to the Mobile Banking service with your bank
- Register for IMPS
- Banks provide an MMID (Mobile Money Identifier) and MPIN (password for mobile users)
- Install the Mobile Banking Application of your bank
The process of online premium payment through IMPS is very simple. You’re just required to subscribe to the mobile banking service with your bank. Once the bank allows you to use IMPS service, you will be able to pay the premium of the United India Insurance through the IMPS mode. Besides, a policy can also be renewed by making payment through IMPS.
For this, you need to input the following details:
- Merchant Mobile Number
- Amount (Renewal Premium Amount)
- Payment Reference (Policyholder’s renewal reference number)
- MPIN
- Merchant MMID
For further details or any query about online premium payment of United India, you can give a call to us or talk to the United India Insurance customer service provider.
Please Note: You can also pay your health insurance premium in installments. Learn more about Paying Health Insurance Premiums in Instalments.
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