United India Health Insurance Benefits

United India Health Insurance

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Highlights

Network Hospitals7,000+
Policies Sold11,82,067
Incurred Claim Ratio110.95%
Lifelong RenewabilityLifelong
Claim Settlement Ratio79.72%
COVID-19 CoverYes
Claim SettlementDedicated Team

Benefits of United India Health Insurance

Incorporated in 1938 & nationalised in 1972, United India Insurance Company has become one of the most trustworthy public sector general insurers in the country. Wholly owned by the Government of India, United India Insurance Company was formerly a subsidiary of the General Insurance Corporation of India (GIC). It was when according to the IRDA Act 1999, GIC turned into a reinsurance company, that its four subsidiaries, namely National Insurance, Oriental Insurance, New India Assurance, and United India Insurance got autonomy. The United India Insurance Company Limited was formed as the result of the joining together of 12 Indian Insurance Companies, 5 foreign insurance companies, 4 cooperative insurance societies as well as southern region general insurance operations of LIC India.

United India Insurance, at the present time, offers a variegated range of insurance policies for both, individuals as well as businesses. Providing the best cover at the most affordable price is what United India Insurance aims to deliver to its customers. Whether business insurance, car insurance or travel insurance, the general insurer leaves no stone unturned in providing first-rate customer service. The same goes with health insurance. 

United India Insurance, through its reliable health insurance policies, has garnered a vast customer base across the nation. With presence over 2248 location in India, the general insurers works dedicatedly towards its mission of providing insurance protection, superior customer satisfaction, minimising national waste, and helping in the development of Indian economy. Policies like Individual Health Insurance, Family Medicare Policy, UNI Criticare Health Insurance, Senior Citizen Policy, Top Up Medicare Policy with superior benefits and features help the insurer achieve targets with much efficiency.

  • Additional Benefit of Free Health Check up

    On choosing United India Insurance’s health insurance policy, you get the benefit of a free medical check-up. Note that the free medical check-up benefit is provided once at the end of every three underwriting years given that no claims are reported during the block and subject to renewal of health insurance policy without any break. The limit applicable is 1% of the average Sum Insured during the preceding three policy periods.
  • Additional Protection over Employer Coverage

    Group health insurance plans offered by employers are often considered enough in terms of health insurance coverage. What most people don’t understand is that these plans fail to provide the desired financial support in case of medical emergency. By investing in an additional protection from United India Insurance, policyholders not only ensure financial stability in a crucial time, but also enhance their existing group health cover without paying a huge premium.
  • Cashless Benefit

    United India Insurance’s health insurance policies allow policyholders to avail cashless treatment during a medical emergency. The benefit helps policyholders focus on the treatment rather than worry about paying huge medical bills at a time when they cannot afford. An end to financial stress, cashless benefit option has the alternative of reimbursement, under which the policyholders can avail reimbursement of medical bills for a medical treatment at a network hospital.
  • Claim Settement Ratio

    Claim Settlement Ratio or CSR is the ratio of the claims settled by the insurer against the total number of claims presented on it in one financial year. United India Insurance has a 80.69%* CSR for the year ended March 31, 2018. *The claim settlement ratio change from time to time. A great CSR showcases that the company settles most of its claims, which in turn enhances trust of potential customers.
  • Coverage against Medical Expenses

    United India health insurance plans offers an extensive coverage, be it to an individual or an entire family. When a policyholder invests in a United India health insurance policy, they gain coverage for expenses like inpatient treatment, pre-hospitalisation, post hospitalisation, day care treatments, ambulance cover, multiple others, which increase the overall medical bill amount in a drastic way.
  • Incurred Claim Ratio

    Incurred Claim Ratio or ICR measures the earned premium, which is spent in paying claims. United India Insurance’s ICR for the financial year 2018-19 was 110.95%*. The ratio indicates the overall value of every claim the company has paid divided by the total sum of premium collected during the same period. *The incurred claim ratio change from time to time.
  • Tax Benefit

    Premiums paid for self, spouse, dependent children and dependent parents are exempt from Income Tax under Section 80D of the IT act as per rules in force.

United India Health Insurance Plan List

Name of PlanSum Insured
Individual Health Insurance PolicyMin: 91 Days; Max: 65 Years2 Lakh Get Quotes Now
Senior Citizen Health Insurance Policy Min: 61 Years; Max: 80 Years1 Lakh Get Quotes Now
UNI Criticare PolicyMin: 21 Years; Max: 65 Years1 Lakh Get Quotes Now
Family Medicare PolicyMin: 3 Months; Max: 80 Years2 Lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Get Quotes Now

United India Health Insurance Top Up List

Name of PlanSum Insured
United Top Up Medicare Min: 3 Months; Max: 80 Years3 Lakh Get Quotes Now
Super Top Up Medicare PolicyMin: 3 Months; Max: 80 Years 3 Lakh Get Quotes Now

United India Health Insurance User Reviews

What users are saying
  • Adequate coverage

    The Arogya Sanjeevani Policy offered by United India holds a sufficient amount of coverage to cover my family....

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    K
    Arogya Sanjeevani Policy
    By Kartik Singh
    On: Jun 18, 2020
  • Very beneficial health insuran...

    I purchased this Arogya Sanjeevani Plan from InsuranceDekho plan. After availing the benefits of this policy, ...

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    P
    Arogya Sanjeevani Policy
    By Pradeep Sinha
    On: Jun 16, 2020
  • Awesome claim support

    I have an Arogya Sanjeevani Plan of United India. A few weeks ago, I made a health insurance claim that got se...

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    R
    Arogya Sanjeevani Policy
    By Ravi Malik
    On: Jun 11, 2020
  • Useful for family!

    Arogya Sanjeevani Policy United India is useful for me and my family. I am now not worried about the health of...

    Read More
    S
    Arogya Sanjeevani Policy
    By Sunil Sinha
    On: May 07, 2020
  • Good enough!

    This policy of United India is good enough! I have purchased this policy on the family floater. Though sum ins...

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    G
    Arogya Sanjeevani Policy
    By Govind Srivastava
    On: May 06, 2020
  • Excellent insurance plan

    There are many benefits included in this policy. I get 30 days pre hospitalisation expenses cover, and 60 days...

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    S
    Individual Health Insurance Policy
    By Sujas Singh
    On: Mar 02, 2020
  • Should buy this from insurance...

    United offers a great range of health insurance plans to the policyholders at nominal health insurance premium...

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    K
    Individual Health Insurance Policy
    By Karanbir Singhal
    On: Mar 02, 2020
  • Gift your parents this product...

    Unlike the case in other Senior citizen health insurance policies, the one offered by united can cover people ...

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    G
    Senior Citizen Health Insurance Policy
    By Girish Rajput
    On: Mar 02, 2020
  • Unique in nature!

    For me, Super Top Up Medicare Policy is unique. I have bough this policy as basic health insurance and get e...

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    L
    Super Top Up Medicare Policy
    By Lokesh Verma
    On: Jan 28, 2020
  • Positive approach!

    A positive approach to pay the hospital bill, Individual Health Insurance Policy is a perfect plan for me...

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    K
    Individual Health Insurance Policy
    By Kundan Pandey
    On: Jan 27, 2020

United India Health Insurance Contact Details

Reach us for help anytime

United India Health Insurance FAQs

  • Why should I buy a health insurance policy from United India Insurance?

    United India Insurance is a great option for buying a health insurance policy. Successfully catering to the variegated insurance needs of customers for the past few decades, United India Insurance offers affordable, wide coverage health insurance policies that provide added financial protection at the time of a medical emergency. By investing in United India health insurance, you can ensure financial stability at a time you may need it the most.

  • How to apply for and buy United India health insurance policy?

    If interested in applying for and buying United India health insurance, you can either visit the office of United India Insurance or visit www.insurancedekho.com.

  • What are the health insurance policies offered by United India Insurance?

    Health insurance policies offered by United India Insurance include Individual Health Insurance, Family Medicare Policy, UNI Criticare Health Insurance, Senior Citizen Policy, Top Up Medicare Policy, etc. 

  • Does United India Insurance provide critical illness cover?

    Yes! UNI Criticare Health Insurance is the critical illness policy you can opt for to get covered for critical illnesses.

  • What is the Claim Settlement Ratio of United India Insurance?

    The claim settlement ratio of United India Insurance for the year ended March 31, 2018 is 80.69%. 

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