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United India UNI Criticare Health Insurance

25 reviews Rate This
UNI Criticare Policy
Claim SettlementDedicated Team
Claim Settlement Ratio78.03%
COVID-19 CoverYes
Network Hospitals7,000+
Policies Sold11,82,067

About United India UNI Criticare Health Insurance

UNI-Criticare policy by United India Insurance is a plan dedicated to cover critical illnesses. Designed to financially secure the insured when diagnosed with a critical illness, UNI-Criticare policy pays out a lump sum amount in the event of diagnosis with any of the covered critical illnesses, only once. The best possible assistance in the toughest of times, UNI-Criticare policy provides coverage for 11 major critical illnesses with a waiting period of 90 days from the date of inception of medical insurance policy and a survival period of 30 days from date of diagnosis. A must for critically diagnosed individuals, the policy provides coverage for critical illnesses such as Cancer of Specified Severity, First Heart Attack, Coronary Artery Surgery, Kidney Failure, Coma of Specified Severity, Heart Valve Replacement, etc.

Easily available on an individual sum insured basis, UNI-Criticare policy covers self, spouse, dependent children and parents, with separate sum insured for each. With 1-year policy tenure, the offered policy comes with a diverse sum insured range to meet the vast medical needs of its policyholders. That’s not all! The policy offers tax benefits under Section 80D of the Income Tax Act as well. All in all, UNI-Criticare policy is the perfect plan that one can depend on to deal with their medical expenses, related to diagnosed critical illness without worrying about finances or treatment, even for a minute. By all means, UNI-Criticare is a great health investment for critical illnesses.

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Key Inclusions and Exclusions of the Plan

What's Included

  • 11 critical illnesses
  • Wide sum insured range
  • Lifetime renewability option
  • A lumpsum compensation on diagnosis of critical illness
  • Tax benefits under Section 80D of Income Tax Act

What's Not Included

  • Pre-existing illnesses
  • Addiction to alcohol or drugs
  • Conditions arising out of war, invasion
  • Attempted suicide or self-inflicted injury
  • Ionizing radiation or contamination by radiation issues

UNI Criticare Policy User Reviews

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What users are saying
  • All
  • Claim assistance

    Team InsuranceDekho provided claim assistance to me when I was stuck mid-way of making a claim under United In...

    Read More
    By Arpita Dulal
    On: Mar 03, 2021
  • Effortless comparison

    Comparing insurance policies on the website of InsuranceDekho is effortless. The website has complete details ...

    Read More
    By Chhanda Majumdar
    On: Nov 03, 2020
  • Financial help.

    UNI Criticare policy is good for me as it covers critical illnesses. I have chosen this policy because one of ...

    Read More
    By Shiva Pandey
    On: Jan 27, 2020
  • Satisfied!!!

    I am satisfied with the policy coverage. It covers a number of life-threatening diseases and provides cashless...

    Read More
    By Mahesh Sharma
    On: Jan 20, 2020
  • 11 critical illnesses covered

    I have bought UNI Criticare policy. This plan guarantees to pay me a lump sum amount if I am diagnosed with an...

    Read More
    By Solanki Kumar
    On: Jan 15, 2020

United India UNI Criticare Policy Expert Review

  • Expert Review

    Critical insurance is specially made to cover life-threatening diseases that a basic health product usually doesn’t provide. UNI Criticare Policy by United India has been made to cover 11 major critical illnesses, including cancer of specified severity, first heart attack of specified severity, coronary artery bypass surgery (CABG), heart valve replacement, coma of specified severity, kidney failure, stroke resulting in permanent symptoms, major organ/bone marrow transplant, multiple sclerosis, motor neuron disease with permanent symptoms and permanent paralysis of limbs.

    The policy comes with three months of the initial awaiting period from the policy inception date and a survival period of 30 days from the date of diagnosis. Ensuring a problem-free future for dependents, the policy pays a lump sum amount to the policyholder if he or she is diagnosed with any of the specified critical illnesses post the specified waiting period of policy inception and survival period. The lump sum amount can be used to meet medical expenses or pay off for basic needs. Thus with this policy in hand, the policyholder can protect his/her family from being ruined in situations of critical illnesses. 

  • Major Attractions

    Available for a duration of one year, the UNI Criticare Policy is easily available on the individual sum insured basis. It provides cover for the policyholder, spouse, and dependent children. Meeting the needs of vast medical requirements, the policy has a wide range of sum insured options, such as Rs. 1 Lakh, Rs. 3 Lakh, Rs. 5 Lakh and Rs. 10 Lakh. What makes it more attractive is that there is no exit age in it. Once you get covered, you can renew it lifelong. Some features under the policy are:

    • The policy is available for a term of 1 year
    • Any person aged between 21 years to 65 years can be covered under the policy
    • The plan covers dependent children from 21 years to 26 years
    • Cashless hospitalisation in any of the network hospitals
    • Lump sum amount is paid in a single transaction
    • Quick and hassle-free claim procedures
    • No restriction on how the lump sum amount is utilised, it can be used in either paying off medical expenses or for paying off debts, etc.
  • What’s More?

    United India has designed the UNI Criticare Policy in a way that it assists people during their tough times, especially when the policyholder or his/her family has no other financial aid available. It works as a financial boon in such times. With this benefit, it is a must have policy today, as the chances of getting critical illnesses are growing nowadays. Here are some other benefits which you can avail by getting the UNI Criticare Policy:

    • The free-look period for the policy is 15 days
    • You can enjoy tax saving benefits under the policy
    • A grace period of 30 days
    • Dedicated TPA service provider
  • Conclusion

    No doubt critical illnesses lead to a serious threat to one’s life. If a person is diagnosed with a critical illness, not only does he/she suffer, but the entire family fall prey to the financial destabilization. In contrast, if the family is well-protected with critical health insurance like UNI Criticare Policy, an adequate amount of money is available during such tough times. In a nutshell, it can be said that the critical insurance policy by United India is of great financial support to a family diagnosed with critical illness or with a history of life-threatening disease. It ensures instant financial relief from treatment expenses due to a critical illness.

    If you want to buy the UNI Criticare policy, do it online. InsuranceDekho provides customers with proper assistance in choosing a suitable health insurance plan. It also allows you to get in-depth information about the plan, compare different policies, avail free quotes, etc. 

United India UNI Criticare Policy Brochure

  • 131.61 KB
  • PDF Document
  • Aug 01, 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 UNI Criticare Policy Health Insurance Plan

  • What are the critical illnesses covered under UNI-Criticare policy?

    The 11 critical illnesses covered under the policy include Cancer of Specified Severity, First Heart Attack of Specified Severity, Coronary Artery Surgery (CABG), Open Chest CABG, Heart Valve Replacement, Coma of Specified Severity, Kidney Failure, Stroke Resulting in Permanent Symptoms, Major Organ/Bone Marrow Transplant, Multiple Sclerosis, Motor Neurone Disease with Permanent Symptoms, and Permanent Paralysis of Limbs.

  • What is the sum insured range for UNI-Criticare policy?

    The sum insured options for UNI-Criticare policy range between Rs. 1 Lakh to Rs. 10 Lakh.

  • What is the eligibility criteria for UNI-Criticare policy?

    For UNI-Criticare policy, while the minimum entry age is 21 years, the maximum age of entry is 65 years.

  • Does UNI-Criticare policy come with an exit age?

    No! There is no exit age under the policy. UNI-Criticare is lifelong renewable.

  • What is the free-look period for UNI-Criticare policy?

    The free-look period for UNI-Criticare policy is 15 days.

  • Which relationships does UNI-Criticare policy cover?

    Under UNI-Criticare policy, self, spouse, and dependent children & parents can be covered.

  • How many times can I get compensation under UNI-Criticare policy?

    The insured gets compensated only once in respect of any one or more of the covered diseases under the policy. Once the claim is paid under the policy, the policy lapses.

  • What is the waiting period associated with UNI-Criticare policy?

    The initial waiting period for the policy is 90 days. In other words, the insured is not covered for the 11 diseases under the policy for the first 90 days of the policy coming into existence. Note that the waiting period is not applicable on subsequent renewals.

  • Does UNI-Criticare policy cover pre-existing diseases?

    No! UNI-Criticare policy does not cover pre-existing diseases.

  • What is the survival period for UNI-Criticare policy?

    The UNI-Criticare policy comes with a survival period of a minimum 30 days from date of diagnosis of the critical illness, for the insured individual to be eligible for any benefit under the policy.


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