United India Health Insurance FAQs

United India Health Insurance

186 reviews Rate This

Highlights

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

Claim Settlement

  • 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%. 

  • When should I inform United India Insurance in case of reimbursement or cashless planned hospitalisation?

    You must inform the company within 72 hours in case of reimbursement or cashless planned hospitalisation

  • When should I inform United India Insurance in case of reimbursement or cashless emergency hospitalisation?

    You must inform the company within 24 hours in case of reimbursement or cashless emergency hospitalisation

  • In how many hospitals can I avail cashless treatment under United India health insurance?

    You can avail cashless treatment in over 7,000 network hospitals under United India health insurance. 

  • Whom should I contact for claim intimation and settlement at United India Insurance?

    For claim intimation and settlement purposes, you can contact InsuranceDekho at 18001205698 or United India Insurance directly at 1800 425 33333.

Critical Illness

  • 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.

  • How many critical illnesses are covered under the critical illness plan offered by United India Insurance?

    11 critical illnesses are covered under the critical illness plan offered by United India Insurance. These are-

    • Cancer of Specified Severity
    • Motor Neurone Disease with Permanent Symptoms
    • Coronary Artery Surgery (CABG), Open Chest CABG
    • Heart Valve Replacement
    • Coma of Specified Severity
    • Kidney Failure
    • Major Organ/Bone Marrow Transplant
    • Multiple Sclerosis
    • First Heart Attack of Specified Severity
    • Stroke Resulting in Permanent Symptoms
    • Permanent Paralysis of Limbs 

  • What are the major exclusions under the critical illness plan offered by United India Insurance?

    Given below are the major exclusions under the critical illness plan offered by United India Insurance-

    • Suicide, self-injury
    • HIV/AIDS
    • Addiction to drugs or alcohol
    • Smoking up to 40 cigarettes or equal intake of tobacco

  • What are the sum insured options available under the critical illness plan offered by United India Insurance?

    Individuals can purchase the critical illness plan offered by United India Insurance for the sum insured options ranging between Rs. 1 Lakh to Rs. 10 Lakh.  

  • What is the entry age for individuals under critical illness plan offered by United India Insurance?

    The minimum and maximum entry age for individuals under the critical illness plan offered by United India Insurance is 21 years and 65 years respectively. 

Family Floater

  • What is the age criteria for family floater health insurance offered by United India Insurance?

    People aged between 3 months and 80 years can be covered under the family floater policy offered by United India Insurance. 

  • Who can be covered under family floater health insurance offered by United India Insurance?

    Members who can be covered under the family floater health insurance offered by United India Insurance are- the Proposer, Spouse, dependent children and dependent parents. 

  • Is there any add-on benefit offered to enhance coverage under the family floater health insurance offered by United India Insurance?

    Yes. There are two add-on benefits offered by United India Insurance under its family floater health insurance policy. These are- ambulance charges and hospital daily cash benefit. 
     

Feature

  • What is the duration for free look period under health insurance policies offered by United India Insurance?

    Policies offered by the United India Insurance generally come with a free look period of 15 days. 

  • Do the health insurance polices offered by United India Insurance come with the lifetime renewability feature?

    Yes. Health insurance policies offered by United India Insurance come with the lifetime renewability feature. 

  • Does United India Insurance facilitate the portability feature for the customers?

    Yes. United India Insurance facilitates the portability feature for the customers. 

General Information

  • 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.

  • 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. 

  • 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%. 

  • How many network hospitals are covered by United India Insurance?

    United India Insurance covers 7000+ well-equipped network hospitals.

  • What is the address of United India Insurance?

    The correspondence address of United India Insurance is -

    United India Insurance Co. Ltd.

    24, Whites Road,

    Chennai - 600014

  • Whom should I contact for claim intimation and settlement at United India Insurance?

    For claim intimation and settlement purposes, you can contact InsuranceDekho at 18001205698 or United India Insurance directly at 1800 425 33333.

Help to Buy

  • 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 is the toll-free customer care number of United India Insurance?

    The toll-free number of United India Insurance is 1800 425 33333. 

  • Why should I share my contact details with the United National Insurance?

    The company must have your contact details so that it is able to share important information about the policy with you. It helps the company to serve you better if your contact details are there in its records. 

     

Individual

  • What are the benefits provided to the policyholders under an individual health insurance plan offered by United India Insurance?

    Given below are the benefits offered to policyholders under individual health insurance plan-

    • Cover for more than 140 daycare procedures
    • 30 days pre-hospitalisation cover
    • 60 days post-hospitalisation cover
    • In-patient hospitalisation expenses
    • Domiciliary hospitalisation cover
    • Reimbursement for ayurvedic treatments

  • Is there any add-on benefit offered to individuals to enhance coverage under the health insurance plans offered by United India Insurance?

    Yes. There are two add-on benefits offered by United India Insurance under its individual health insurance policy also. These are- ambulance charges and hospital daily cash benefit. 

  • What is the minimum and maximum entry age for individuals under individual health insurance plan offered by United India Insurance?

    The minimum and maximum entry age under individual health insurance policy is 91 days and 65 years respectively. 

Kids

  • What is the minimum and maximum entry age for kids under health insurance plans offered by United India Insurance?

    The minimum and maximum entry age for kids under health insurance plans offered by United India Insurance are 3 months and 18 years respectively. Dependent children, however, can only be covered along with their parents. 

  • For how many days are pre and post-hospitalisation expenses covered under health insurance plans offered for kids?

    30 days pre-hospitalisation and 60 days post-hospitalisation expenses are covered under health insurance plans offered for kids. 

  • What are the exclusions for kids under health insurance plans offered by United India Insurance?

    Given below are the exclusions for kids under health insurance plans offered by United India Insurance-

    • Treatment or illness related to war and warlike operations
    • Spectacles, contact lenses, and hearing aids
    • Treatment outside India
    • Dental treatment unless arising due to an accident 

Parents

  • What is the maximum entry age for parents under health insurance plans offered by United India Insurance?

    The maximum entry age for parents under health insurance plans offered by United India Insurance is 80 years. 

  • Is there any limit on ambulance expenses covered under health insurance plans for parents?

    Yes. Ambulance expenses are covered up to Rs. 2,500 per policy period on paying an additional premium of Rs. 100. 

  • What are the sum insured options available for parents under health insurance plans offered by United India Insurance?

    The sum insured options available for parents range from Rs. 1 Lakh to Rs. 3 Lakh under health insurance plans offered by United India Insurance. 

  • Is there any other add-on benefit available for parents under health insurance plans offered by United India Insurance?

    Yes. There is one more add-on benefit available for parents under health insurance plans offered by United India Insurance, i.e. Hospital cash benefit. The benefit covers you for Rs. 250/Rs. 500 per day subject to a maximum of Rs. 2,500/Rs. 5,000 per hospitalisation at an additional premium of Rs. 150/Rs. 300.

Plan Coverage

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

    Given below are the major coverage features offered by United India Insurance under its health insurance policies-

    • In-patient hospitalisation cover 
    • Ambulance cover
    • Pre-hospitalisation cover
    • Post-hospitalisation cover
    • Domiciliary hospitalisation
    • Cover for daycare procedures
    • Medical second opinion

  • For how many days are pre and post-hospitalisation expenses covered under health insurance plans offered by United India Insurance?

    30 days pre-hospitalisation and 60 days post-hospitalisation expenses are covered under health insurance plans offered by United India Insurance. 

  • Does United India Insurance offer lifetime renewability benefit under its health insurance policies?

    Yes. United India Insurance offers lifetime renewability benefit to the policyholders. 

Portability

  • Can I port to a United India Insurance policy in case I am dissatisfied with my current health insurance policy?

    Yes. United India Insurance facilitates the option for portability. 

  • What is the right time to apply for portability?

    You can request to port from your current health insurance policy to a United India Insurance policy when it is due for renewal.  

  • Will I get my earned credits if I port to a United India Insurance policy from the current one?

    Yes. The company will transfer the credits earned to your account in case you port to a United India health insurance policy from your current one. 

Premium

  • At what amount does the premium for United India Insurance policies start?

    The premium for health insurance policies offered by United India Insurance starts at Rs. 2,891. Premiums are subject to change from time to time. 

  • How is premium calculated for health insurance policies offered by United India Insurance?

    The premium for health insurance policies offered by United India Insurance is calculated on the basis of age, gender, residential area, pre-existing diseases, current health condition, sum insured, policy tenure, etc. 

  • How much extra premium am I required to pay on purchasing additional covers?

    For the add-on cover of ambulance, the policyholders are required to pay an additional premium of Rs. 100. Whereas, for the add-on benefit of hospital daily cash, the policyholders have to pay an additional premium of Rs. 150 or Rs. 300 depending on the benefits they wish to avail.

  • Does United India Insurance offer any discount on the premium paid for the health insurance policies?

    Yes. United India Insurance offers a discount on the premium paid for the health insurance policies. 

  • Do I get tax benefit on the premium paid for health insurance policies offered by United India Insurance?

    Yes. The policyholders are eligible for tax benefits on the premium paid for health insurance policies offered by United India Insurance. 

Senior Citizen

  • Does United India Insurance offer any health insurance plan specially designed for the senior citizens?

    Yes. United India Insurance offers health insurance plan that is specially designed for the senior citizens by the name of Senior Citizen Health Insurance Policy. 

  • What are the sum insured options available under the senior citizen health insurance plan offered by United India Insurance?

    The sum insured options available under the senior citizen health insurance plan offered by United India Insurance range from Rs. 1 Lakh to Rs. 3 Lakh. 

  • What is the minimum and maximum entry age under the senior citizen health insurance plan offered by United India Insurance?

    The minimum and maximum entry age under the senior citizen health insurance plan offered by United India Insurance is 61 years and 80 years respectively. 

Tax Benefit

  • Under which Act am I eligible to enjoy tax benefits on the premium paid for health insurance policies offered by United India Insurance?

    The policyholders are eligible to enjoy tax benefits on the premium paid for health insurance policies under Section 80D of the Income Tax Act, 1961. 

  • Will I get tax benefits on buying a health insurance policy from United India Insurance?

    Yes! When you buy United India health insurance policy, the premium paid is exempted from the income tax as per the tax rules in force.

     

  • What is the maximum limit for the senior citizens to avail the tax benefits?

     The maximum limit is Rs. 50,000 up to which senior citizens are waived off from tax. 

Top-up

  • Is there any top-up plan offered by United India Insurance?

    Yes. United India Insurance offers two top-up plans to the customers. These are- United Top Up Medicare and Super Top Up Medicare Policy. 

  • What are the benefits offered under top-up plans of United India Insurance?

    Given below are the common benefits provided under top-up plans offered by United India Insurance- 

    • Lifetime renewability option
    • Emergency ambulance cover
    • In-patient hospitalisation cover
    • Tax benefits under Section 80D
    • Pre-hospitalisation expenses
    • Post-hospitalisation expenses 

  • What is the minimum and maximum entry age for top-up and super top-up plans offered by United India?

    The minimum entry age is 3 months and maximum entry age is 80 years for top-up and super top-up plans offered by United India. 

Woman

  • What are the benefits offered to women under health insurance plans offered by United India Insurance?

    Listed below are some benefits that the women can enjoy under health insurance plans offered by United India Insurance-

    • Medical second opinion
    • Cover for daycare procedures
    • 30 days pre-hospitalisation cover
    • 60 days post-hospitalisation cover
    • Cover for in-patient hospitalisation
    • Add-on benefits for ambulance charge and hospital daily cash 

  • What are the exclusions under women-centric health insurance plans offered by United India Insurance?

    Given below are the exclusions under women-centric health insurance plans offered by United India Insurance-

    • Domiciliary hospitalisation 
    • Pregnancy and related disorders
    • Any treatment taken outside India
    • Contact lenses, spectacles, and hearing aids
    • Dental treatment unless arising due to an accident

  • Is Ayurvedic treatment covered under women-centric health insurance policies offered by United India Insurance?

    Yes. Ayurvedic treatment is covered under women-centric health insurance policies offered by United India Insurance. 

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

Claim Process at United India Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

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....

    Read More
    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, ...

    Read More
    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...

    Read More
    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...

    Read More
    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...

    Read More
    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...

    Read More
    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 ...

    Read More
    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...

    Read More
    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...

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

United India Health Insurance Contact Details

Reach us for help anytime

Latest United India Health Insurance News