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United India Individual Health Insurance

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United India Health Insurance
Individual Health Insurance Policy
Claim SettlementDedicated Team
Claim Settlement Ratio78.03%
COVID-19 CoverYes
Network Hospitals7,000+
Policies Sold11,82,067
RenewabilityLifelong

About United India Individual Health Insurance

Individual Health Insurance by United India Insurance is an excellent medical insurance investment that one can opt for without giving it a second thought. A popular insurance product of United India Insurance, Individual Health Insurance is a great option for those who want to ensure financial security even at the time of a medical emergency. Designed to fulfill the varied medical requirements of policyholders, Individual Health Insurance offers extensive coverage in the form of three variants, namely Platinum, Gold, and Senior Citizen. Popular for being availed on individual sum insured basis, the policy can also be opted for on a family floater sum insured basis as per one’s requirements. The policy also covers dependent children from the age 91 days, provided either one or both parents are covered.

The preferred health insurance policy of one and all, Individual Health Insurance offers easy coverage for in-patient hospitalisation, pre & post hospitalisation, organ donor expenses, domiciliary hospitalisation, Ayurvedic treatment, and various other medical expenses that are otherwise hard to handle. Available for a policy period of 1 year, Individual Health Insurance comes with a vast sum insured options range. On the whole, Individual Health Insurance by United India Insurance is an insurance product that you can rely on to get your medical needs met without having to spend your savings or face mental stress while facing challenges already on the level of physical health.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Coverage for 140+ day care procedures
  • 30 days pre-hospitalisation expenses and 60 days post-hospitalisation expenses
  • Reimbursement of expenses on Ayurvedic treatment when treatment is taken in defined hospitals
  • In-patient hospitalisation for more than 24 hours
  • Domiciliary hospitalisation where treatment exceeds 3 days under certain conditions

What's Not Included

  • Stem cell implantation/surgery
  • Congenital external disease or defect or anomalies
  • Cost of spectacles, contact lenses and hearing aids, cochlear implants
  • Dental treatment or surgery of any kind unless owing to an accident and requiring hospitalisation
  • Naturopathy treatment, magnetic therapies, acupressure, acupuncture, experimental & unproven treatments/therapies

Individual Health Insurance Policy User Reviews

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Add-ons to Enhance Benefits

  • Ambulance Charges

    Under the add-on or optional cover for ambulance charges, United India Insurance, on payment of additional premium of Rs. 100, covers expenses incurred on shifting the insured person from residence/accident site to hospitals in emergencies and from one hospital to another by means of an ambulance. The maximum charges covered are up to Rs. 2500 per policy period. 

  • Hospital Daily Cash Allowance

    The add-on of hospital daily cash allows the policyholder an amount of Rs. 250, subject to a maximum of Rs. 2500 per policy period on an additional premium payment of Rs. 150. Similarly, on an additional premium of Rs. 300, the policyholder will get Rs. 500 allowance per day, subject to a maximum of Rs. 5000 per policy period. Note that United India Insurance, through the TPA will pay the daily cash allowance from the third day onwards for the period of hospitalisation.

United India Individual Health Insurance Policy Expert Review

  • Expert Review

    Individual Health Insurance policy by United India Insurance Company is a popular health product. Especially designed to cover hospitalisation expenses for an individual or his/her family members, the policy ensures complete protection by giving financial assistance to the policyholder. Available in three variants, Platinum, Gold and Senior Citizen, the policy gives wide coverage, including cover for boarding expenses, consultation charges, daycare expenses, domiciliary expenses, and alternative treatment.

    All three variants under the policy have different entry age. For Platinum, the minimum entry age is 18 years and maximum 35 years. For Gold, the minimum entry age is 36 years and maximum 60 years. For Senior Citizen, the minimum entry age is 61 years and maximum 65 years. The Platinum plan also covers children from the age of 91 days if either or both parents are covered under the policy. 

  • Major Attractions

    A health insurance policy for one and all, Individual Health Insurance Policy covers ayurvedic treatment as an in-patient and offers ambulance charges and hospital daily cash under its add-on feature. It also provides coverage for the expenses incurred on blood, oxygen, medicines, drugs, etc. Besides these coverage benefits, the insurance company makes sure hassle-free claim settlement support is offered to consumers by the TPA service provider. Some of the major attractions of the policy are:

    • Sum insured ranges from Rs. 2 Lakh to Rs. 20 Lakh
    • Reimbursement of health check-up after a block of three claim-free years up to specified limit
    • Cover for cataract in Gold and Senior Citizen plan actual expenses or up to 25% of the Sum Insured, a maximum of Rs. 40,000
    • Road ambulance cover on payment of an additional premium of Rs. 100
    • Daily Cash Allowance of Rs. 250/Rs. 500 per day on paying an additional premium of Rs. 150/Rs. 300
    • Room rent and nursing expenses not more than 1% of the sum insured per day
    • Charges for ICU/ICCU not more than 2% of the sum insured per day
  • What’s More?

    Apart from major attractions, Individual Health Insurance Policy has many more things for policyholders such as cover for surgeon fees, specialist, doctor, consultant, medical practitioner, anaesthetist, etc. Under the policy, the insurance company offers flexibility in choosing the sum insured amount and provides a provision to buy the policy online. Some factors that make the Individual Health Insurance Policy worth buying are:

    • Lifetime renewability of the policy without any restriction
    • A grace period of 30 days in case of break-in policy
    • A free look period of 15 days to completely understand the policy terms & conditions, and cancel it if not satisfied
    • Tax benefits under section 80D of the Income Tax Act
    • Portability option to port the policy
  • Conclusion

    The United India Insurance Company has made the Individual Health Insurance Policy keeping in mind the financial needs of people during hospitalisation. So, it enables the insured person to avail cashless treatment in thousands of network hospitals across the country. Not only this, but the insurance company does also reimburse the treatment costs and hospital bills if the treatment is taken in a non-network hospital or a recognized Ayurvedic hospital. Coming to a conclusion, Individual Health Insurance Policy is a better fit for people looking out for a health product to stay away from the financial crunch in the event of an unforeseen accident or illness.

    Since the policy can be bought online, it is good to choose InsuranceDekho and purchase the policy online. The online option of InsuranceDekho allows you to compare health insurance policies, avail free quotes, and get complete information about the policy. Additionally, InsuranceDekho is committed to bringing complete transparency in its services. 

United India Individual Health Insurance Policy Brochure

  • 755.05 KB
  • PDF Document
  • Jul 19, 2019

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.

FAQs on Individual Health Insurance Policy Health Insurance Plan

  • What are the variants covered under United India Individual Health Insurance policy?

    Individual Health Insurance by United India Insurance comes in the form of three variants, namely Platinum, Gold, and Senior Citizen that vary in their features and benefits.

  • What is the sum insured range for United India Individual Health Insurance policy?

    For Individual Health Insurance policy, the sum insured options range between Rs. 2 Lakh to Rs. 20 Lakh.

  • What is the eligibility criteria for United India Individual Health Insurance policy?

    While the minimum entry age to buy Individual Health Insurance policy is 18 years, the maximum entry age is 65 years.

  • What is the exit age for United India Individual Health Insurance Policy?

    Individual Health Insurance policy does not come with an exit age. The policy is lifelong renewable.

  • Are maternity expenses covered under United India Individual Health Insurance?

    No! Individual Health Insurance does not cover maternity expenses.

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