*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
United India Insurance Company Limited is an insurance company that is wholly owned by the Government of India. With its headquarters in Chennai and spread over 1,340 offices, United India Health Insurance provides insurance and Mediclaim to more than 1 crore people. Its areas of expertise include health, travel, motor, personal accidents, fire, marine, and several others.
Currently, United India Insurance has varied health insurance plans and it is the preferred choice when it comes to buying health insurance. It has a globally recognized claim assistance with successful medical coverage and one hundred percent customer satisfaction. The types of health insurance policies offered by the company include Individual Health Insurance Plans, Family Medicare Policy, Critical Healthcare Insurance, Senior Citizen Policy, Top-Up Plans, etc.
As such, United Health Insurance, as a leading insurance company in India, offers several Mediclaim and health insurance policies to people. Not only does the United India Insurance health insurance service those living in urban and semi-urban areas, but with the help of government-run programs, such health insurance, and Mediclaim policies have been extended to rural areas of India as well. United India Insurance Mediclaim policies help the less privileged through several micro-offices spread across 200 towns. One of the main highlights of United India Insurance Health Insurance policies is its ability to develop solutions to meet the financial requirements of both corporates and rural residents. It is an affordable policy, economically viable for a large variety of people, and easy to access throughout the country.
United India Insurance is a company that is fully owned by the Government. As such, it has been made economically viable to reach a wide cross-section of the Indian population, both urban and rural. The health insurance and Mediclaim plans and policies offered by the company can be chosen based on specific needs. Some of the reasons to choose United India Health Insurance for you and your loved ones are listed below:
With its excellent reputation, a wide variety of insurance plans, government back-up, and support, a huge network of partner hospitals, easy online renewal, and purchase, etc. United India Insurance Health Insurance Policies are, no doubt, one of the best choices when it comes to purchasing an insurance policy for you and your family.
Health Insurance policies form an important part of the core product portfolio of the company. Health plans offered by United India Insurance are customized and tailor-made to ensure that individuals receive adequate coverage for their respective financial needs and budgets. With its wide variety of Mediclaim plans and health insurance policies, one can always count on United India Insurance when it comes to financial support during any kind of medical emergency. Below is a list of plans that are offered by the company:
United India Insurance offers several options for Medicare and health insurance plans. The features and benefits of each plan are discussed in the tables below to provide a clearer comparative picture.
The United India Family Medicare Plan offers medical insurance for the policyholder and his designated family members under a single sum insured.
Age of entry |
· Minimum 18 years · Maximum 80 years · Dependent Children: 3 months, provided either of the parents is covered |
Medical Screening |
Compulsory for individuals above 45 years of age (50% of the cost are reimbursed upon qualification) |
Type of Coverage |
Family Floater (includes self, spouse and dependent children) |
Total Sum Insured |
Rs 1,00,000 to Rs 10,00,000 |
No Claim Bonus |
No claim bonus is 3%-15% on premium renewal The first bonus is given annually only after 3-year consecutive years of on-time premium payments |
Coverage |
· Hospitalization expenses – room rent, boarding, nursing costs, surgeon, anesthetist, specialist charges and ICU · Expenses due to dialysis, chemotherapy, radiation, prosthetics and artificial limbs, and devices implanted during surgery · Pre-hospitalization expenses 30 days before admission and post-hospitalization expenses covered up to 60 days post-discharge · Restrictions for sum insured on certain illnesses:
o Cataract: 10% of the Sum Insured, up to a maximum of Rs 25,000 o Hernia: 15% of the Sum Insured, up to a maximum of Rs 30,000 o Hysterectomy: 20% of Sum Insured up to a maximum of Rs 50,000 o Major Surgeries: 70% of Sum Insured up to a maximum of Rs 4,00,000 · Organ donor hospitalization expenses · Specific day-care procedures: AYUSH treatment at a government-approved center |
Features and Benefits |
· Coverage for dependent children from 3 months to 18 years provided one parent is covered · Comparatively higher sum insured offered by United India Insurance as compared to other policies on the market · Freelook period of 15 days applicable at the beginning · Cashless hospitalization across a network of 7000 hospitals · Free medical check-up once every 3 years provided no claims have been reported · Premium paid for a health insurance policy for self, spouse and dependents is tax-exempt as per the prevailing rules of Income Tax Act of India
|
Waiting Period for Pre-existing illness |
4 years |
Add-on Covers |
1) Ambulance cover: An additional premium of Rs 100 for coverage of Rs 2,500 2) Daily Cash Allowance: An additional premium of Rs 150 to cover Rs 2,500 or Rs 300 to cover Rs 5,000 |
This is a variation of the Family Medicare plan.
Age of entry |
· Minimum 18 years · Maximum 80 years · Dependent Children: 3 months, provided either of the parents is covered |
Medical Screening |
Compulsory for individuals above 45 years of age (50% of the cost are reimbursed upon qualification) |
Type of Coverage |
Family Floater (includes self, spouse and dependent children) |
Total Sum Insured |
· Rs 2,00,000 to Rs 10,00,000 · Premiums can be paid in advance; 10% deductible for insured over 60 years of age |
NCB Bonus |
No claim bonus is 3%-15% on premium renewal The first bonus is given annually only after 3-year consecutive years of on-time premium payments |
Coverage |
· Hospitalization expenses – room rent, boarding, nursing costs, surgeon, anesthetist, specialist charges and ICU · Expenses due to dialysis, chemotherapy, radiation, prosthetics and artificial limbs, and devices implanted during surgery · Pre-hospitalization expenses 30 days before admission and post-hospitalization expenses covered up to 60 days post-discharge · Restrictions for sum insured on certain illnesses:
o Cataract: 10% of the Sum Insured, up to a maximum of Rs 25,000 o Hernia: 15% of the Sum Insured, up to a maximum of Rs 30,000 o Hysterectomy: 20% of Sum Insured up to a maximum of Rs 50,000 o Major Surgeries: 70% of Sum Insured up to a maximum of Rs 4,00,000
· Organ donor hospitalization expenses · Specific day-care procedures: AYUSH treatment at a government-approved center |
Features and Benefits |
· Coverage for dependent children from 3 months to 18 years provided one parent is covered · Comparatively higher sum insured offered by United India Insurance as compared to other policies on the market · Freelook period of 15 days applicable at the beginning · Cashless hospitalization across a network of 7000 hospitals · Free medical check-up once every 3 years provided no claims have been reported · Premium paid for the health insurance policy for self, spouse and dependents is tax-exempt |
Waiting Period for Pre-existing illness |
4 years |
Add-on Covers |
· Ambulance cover: An additional premium of Rs 100 for coverage of Rs 2,500 · Daily Cash Allowance: An additional premium of Rs 150 to cover Rs 2,500 or Rs 300 to cover Rs 5,000 |
The United India Gold Policy is an all-inclusive plan that takes care of all medical, hospitalization, and daycare expenses.
Age of entry |
· Minimum 36 years · Maximum 60 years
|
Medical Screening |
- |
Type of Coverage |
Individual or Family Floater |
Total Sum Insured |
Rs 1,00,000 to Rs 5,00,000 |
Savings |
5% on the total premium if adding one extra family member *All savings offered by the insurer are as per the IRDAI approval. Standard T&C apply |
Coverage |
· Hospitalization expenses – room rent, boarding, nursing costs, surgeon, anesthetist, specialist charges and ICU · If a policyholder chooses a room whose rent is higher than the entitled category, then the charges to be paid is the same as that of the entitled category. This does not apply to implants, medicines, and drugs · Pre-hospitalization expenses incurred before 30 days and post-hospitalization expenses covered up to 60 days post-discharge · Cataract, Hernia, Hysterectomy: 25% of sum insured up to a maximum of Rs 1,00,000; Surgeries up to 70% of sum insured · Organ donor hospitalization expenses · 140+Specific day-care procedures · AYUSH treatment at a government-approved center |
Features and Benefits |
· Coverage for dependent children from 3 months to 18 years provided one parent is covered · Plan can be extended for individuals above 60 years provided premiums are paid without a break · Family savings of 5% on the total premium if members are added *All savings offered by the insurer are as per the IRDAI approval. Standard T&C apply |
Waiting Period for Pre-existing illness |
4 years |
Add-on Covers |
· Ambulance cover: An additional premium of Rs 100 for coverage of Rs 2,500 · Daily Cash Allowance: An additional premium of Rs. 150 to cover Rs 2,500 or Rs 300 to cover Rs 5,000 |
This health insurance policy is meant for a single person who would like to ensure medical coverage for themselves.
Type of Coverage |
Individual |
Total Sum Insured |
The chosen sum which can be upgraded at the time of renewal; premiums are payable in advance |
Coverage |
· Hospitalization expenses – room rent, boarding, nursing costs, surgeon, anesthetist, specialist charges and ICU · Expenses due to dialysis, chemotherapy, radiation, prosthetics and artificial limbs, and devices implanted during surgery · Expenses incurred for medical treatment at home for more than 3 days, wherein the patient cannot be moved to a hospital. · Organ donor hospitalization expenses · Pre/post-hospitalization expenses up to 30/60 days prior or post · Cataract, Hernia, Hysterectomy: Up to 25% of sum insured · Specific day-care procedures · AYUSH treatment |
Features and Benefits |
· Full coverage against disease, injury or treatment due to accidents · Cashless hospitalization in more than 7000 hospitals · Dedicated help desk to settle any claims hassle-free |
Waiting Period for Pre-existing illness |
4 years |
This is an affordable policy that is designed for a younger customer, which is why it is capped at 35 years of age.
Age of entry |
Minimum 18 years Maximum 35 years Dependent Children: 3 months provided one parent is covered Renewable after 35 years of age |
Type of Coverage |
Individual or Family Floater (includes self, spouse and dependent children) |
Total Sum Insured |
Rs 1,00,000 to Rs 10,00,000 |
Savings |
5% of the total premium per additional member *All savings offered by the insurer are as per the IRDAI approval. Standard T&C apply |
Coverage |
· Hospitalization expenses – room rent, boarding, nursing costs, surgeon, anesthetist, specialist charges and ICU · Expenses due to dialysis, chemotherapy, radiation, prosthetics and artificial limbs, and devices implanted during surgery · Pre-hospitalization expenses 30 days before admission and post-hospitalization expenses covered up to 60 days post-discharge · Expenses due to cataract, hernia, hysterectomy, etc. · Organ donor hospitalization expenses · Specific day-care procedures: AYUSH treatment at a government-approved center · If a policyholder chooses a room whose rent is higher than the entitled category, then the charges to be paid is the same as that of the entitled category. This does not apply to implants, medicines, and drugs |
Features and Benefits |
· Coverage for dependent children from 3 months to 18 years provided one parent is covered · Comparatively higher sum insured offered by United India Insurance as compared to other policies on the market · Plan can be continued after 35 years of age
|
Waiting Period for Pre-existing illness |
N/ |
This health insurance plan is specifically designed for senior citizens who are above 61 years of age but under 80 years of age.
Age of entry |
· Minimum 61 years · Maximum 80 years |
Type of Coverage |
Individual or Family Floater |
Total Sum Insured |
Rs 1,00,000 to Rs 3,00,000 |
Co-Payment |
20% for major illness claims as a total |
Savings |
5% of the total premium per additional member *All savings offered by the insurer are as per the IRDAI approval. Standard T&C apply |
Coverage |
· Hospitalization expenses – room rent, boarding, nursing costs, surgeon, anesthetist, specialist charges and ICU · Expenses due to dialysis, chemotherapy, radiation, prosthetics and artificial limbs, and devices implanted during surgery, pacemaker, blood, oxygen, x-ray, etc. · Pre-hospitalization expenses incurred 30 days before admission and post-hospitalization expenses covered up to 60 days post-discharge. · Expenses due to cataract, hernia, hysterectomy, etc. · Organ donor hospitalization expenses · Specific day-care procedures: AYUSH treatment at a government-approved center · If a policyholder chooses a room whose rent is higher than the entitled category, then the charges to be paid is the same as that of the entitled category. This does not apply to implants, medicines, and drugs |
Features and Benefits |
· Coverage for dependent children from 3 months to 18 years provided one parent is covered · Plan can be continued after 80 years of age · Family savings of 5% per additional member *All savings offered by the insurer are as per the IRDAI approval. Standard T&C apply |
Waiting Period for Pre-existing illness |
48 months |
This is an additional plan, which can enhance the coverage of an existing basic plan.
Age of entry |
· Minimum 18 years · Maximum 80 years · Children: 3 months provided one parent is covered |
Type of Coverage |
Individual or Family Floater (includes self, spouse and dependent children) |
Total Sum Insured |
Rs 1,00,000 to Rs 10,00,000 |
Coverage |
1) Hospitalization expenses – room rent, boarding, nursing costs, surgeon, anesthetist, specialist charges and ICU, OT 2) Expenses due to dialysis, chemotherapy, radiation, prosthetics and artificial limbs, and devices implanted during surgery 3) Pre-hospitalization expenses incurred 30 days before admission and post-hospitalization expenses covered up to 60 days post-discharge 4) Expenses due to cataract, hernia, hysterectomy, etc. 5) Organ donor hospitalization expenses 6) Specific day-care procedures: AYUSH treatment at a government-approved center |
Features and Benefits |
· Coverage for dependent children from 3 months to 18 years provided one parent is covered · Comparatively higher sum insured offered by United India Insurance as compared to other policies on the market · Enhances a basic health insurance plan |
Waiting Period for Pre-existing illness |
4 years |
This is a plan to cover hospital bills after exceeding the deductible limit on an existing plan.
Age of entry |
· Minimum 18 years · Maximum 80 years · Children: 3 months to 26 years |
Type of Coverage |
Individual or Family Floater (includes self, spouse and dependent children) |
Total Sum Insured |
Rs 2,00,000 to Rs 15,00,000 |
Coverage |
· Hospitalization expenses – room rent, boarding, nursing costs, surgeon, anesthetist, specialist charges and ICU, OT · Expenses due to dialysis, chemotherapy, radiation, prosthetics and artificial limbs, and devices implanted during surgery · Pre-hospitalization expenses 30 days before admission and post-hospitalization expenses covered up to 60 days post-discharge · Expenses due to cataract, hernia, hysterectomy, etc. · Organ donor hospitalization expenses · Specific day-care procedures: AYUSH treatment at a government-approved center |
Features and Benefits |
· Coverage for dependent children from 3 months to 18 years provided one parent is covered · Coverage for unmarried, unemployed girls · Coverage for male child up to 26 years of age · The flexible sum insured options · Enhances a basic health insurance plan |
Waiting Period for Pre-existing illness |
4 years |
This plan is designed to cover any expenses occurring due to critical illnesses.
Age of entry |
· Minimum 21 years · Maximum 65 years · Dependent Children: 3 months to 26 years |
Type of Coverage |
Individual or Family Floater (includes self, spouse and dependent children) |
Total Sum Insured |
Rs 1/3/5/10 lakh |
Coverage |
Lumpsum is paid if the policyholder is diagnosed with the following critical illnesses:
· Specific cancers · First heart attack · Specific coma · Kidney failure · Heart valve replacement · Coronary artery surgery; open chest surgery · Stroke resulting in permanent damage · Multiple sclerosis · Major organ or bone marrow transplant · Permanent paralysis of limbs · Motor neuron disease with permanent symptoms |
Features and Benefits |
· Coverage of most critical illnesses · A waiting period of 90 days from commencement of plan and grace 30 days for renewal · Lumpsum payment if the policyholder is diagnosed with a specified critical illness |
This is a health protection plan for employees to take care of any hospitalization expenses due to accidents during their employment.
Age of entry |
N/A |
Type of Coverage |
Individual |
Total Sum Insured |
Rs 1,00,000 to Rs 5,00,000 |
Coverage |
· Hospitalization expenses – room rent, boarding, nursing costs, surgeon, anesthetist, specialist charges and ICU, OT · Expenses due to dialysis, chemotherapy, radiation, prosthetics and artificial limbs, and devices implanted during surgery · Ambulance charges up to Rs 2,500 |
Features and Benefits |
· Best designed for factories or contractors or commercial establishments that are looking for limited medical cover for their staff during their employment |
Medicare or health insurance plans do not cover the following exclusions:
Both cashless and reimbursement claims are acceptable for United India Insurance Plans.
A policy should be renewed at least one month before its expiry. The process to renew the policy is very simple:
One can buy health insurance from United India either online or offline. To buy it online, just visit the official website of the insurer, go to the plan options and follow the given instructions online. The premium can be paid online as well.
In case of offline buying, the policy seeker has to visit any of the nearby branches of the insurer, approach an insurance officer, follow the formalities and buy the policy.
Before buying a health insurance plan from United India Insurance, consider the following factors:
To buy a United India Health Insurance policy, there are certain things that an individual must do before applying.
A proposal form can be obtained from the nearest United India Insurance branch office or online through their website. Any premium payments and renewals can easily be made online or at a branch office.
The premium can be renewed online or through a branch by any of the following payment methods
You will need to visit the nearest branch to find out about the status of your policy application.
You must renew your policy before the expiry date. Otherwise, the policyholder may not be covered. The policy can be renewed online through the United India Insurance website or app or even through a local branch office. United India Health Insurance's online renewal is quite efficient and straightforward.