United India Health Insurance FAQs

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

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

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

The Claim Settlement Ratio of United India is calculated using the formula given below:
Claim Settlement Ratio = (Total no. of claims approved/Total no. of claims received)x100

To process cashless claims under United India Insurance plans, you must follow the steps given below:

• Intimate United India Insurance or the TPA about hospitalisation at least 72 hours prior to admission in case of planned hospitalisation and within 24 hours of hospitalisation in case of emergency hospitalisation.
• Show your health ID card at the network hospital. Fill the pre-authorization form at the network hospital and send it to TPA for authorization.
• Your documents will be verified thoroughly by the insurance company or the TPA.
• The insurance company will approve your request for a claim.
• The insurance company will settle the bills directly at the network hospital.

To process reimbursement claims under United India Insurance plans, you must follow the steps given below:

• Get hospitalised in a non-network hospital and intimate United India Insurance or the TPA about hospitalisation at least 72 hours prior to admission in case of planned hospitalisation and within 24 hours of hospitalisation in case of emergency hospitalisation.
• Avail the required medical treatment and pay for the same, out of your own pocket.
• Submit the required documents including payment receipts from doctors, surgeons, etc. to the United India Insurance.
• The insurance company will then verify your documents.
• If the claim is made in accordance to the terms and conditions of the policy, then the insurer will approve your claim and pay you for the expenses incurred during the treatment.

You must intimate United India Insurance or the TPA about hospitalisation at least 72 hours prior to admission in case of planned hospitalisation and within 24 hours of hospitalisation in case of emergency hospitalisation.

The claim settlement ratio of United India Insurance for the financial year 2019-20 is 92.24%.

As per IBAI’s General Insurance Claim Insights Handbook For Policyholders-5th Edition, the Claim Settlement Ratio of United India Insurance for the financial years 2019-20 is 92.24%.

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

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

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.

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.

To buy critical illness cover offered by United India Insurance online at InsuranceDekho, follow the steps given below:

• Visit InsuranceDekho’s website, i.e, www.insurancedekho.com. Then choose the health tab.
• Select your Gender and fill your personal details including Name and Mobile Number. You will get a One Time Password, please enter that.
• Select the time when you want to purchase the insurance policy. Click on the ‘View Instant Quotes’ to continue.
• Select the family members you want to add in the health insurance plan along with self.
• Select the family member’s age who you have added in the policy. Click on the ‘Continue’ button.
• Enter your Email ID and City and click on the ‘Submit and View Quotes’ button. You will see various critical illness plans on your screen as per your requirements. Then, select an insurance plan as per your budget.
• Select the insurance policy term for the selected health insurance policy. Fill the required details and pay for the premium to complete the insurance plan purchase process.

You can also talk to the customer United India executives on the toll-free number 7551-196-989 to buy the policy in the offline mode.

Anyone who is aged at least 18 years and is an Indian resident can buy a critical illness plan offered by United India Insurance.

Yes. You can avail tax benefits on the premium paid for critical illness plans offered by United India Insurance under Section 80D of the Income Tax Act.

Some of the critical illnesses that United India insurance plans cover you for are as follows:

• Coma
• Cancer of specified severity
• Coronary Artery Surgery (CABG)
• Heart Valve Replacement
• First heart attack of specific severity
• Kidney Failure
• Major Organ/Bone Marrow Transplant
• Multiple Sclerosis.

Following are the documents required at the time of claim under critical illness plan offered by United India Insurance:

• Duly filled and signed claim form
• Medical certificate stating the diagnosis of critical illness
• Discharge card or death summary from the hospital, if required
• Indoor case papers, if applicable
• Certificate from attending medical practitioner stating that the illness was a pre-existing one.
• KYC documents
• Indoor case papers, if applicable
• Pharmacy bills as well as prescriptions.

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.

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.

United India family health insurance policy, Family Medicare Policy is an ideal health insurance purchase for people who want to ensure the health and financial security in the event of an unexpected medical emergency. If you want to cover yourself, your spouse and your dependent children under a single sum insured, Family Medicare Policy is for you.

Changing the sum insured amount during your United India’s family health insurance policy tenure won’t be possible. If you want to make any changes (increase or decrease), it is advisable to wait for policy renewal time.

There are many advantages of the United India family health insurance policy Family Medicare Policy. Some of the key benefits include wide coverage, easy claim settlement, cashless treatment in-network hospitals, cover for all members under a single sum insured, lifelong renewal of the policy, enhancement of sum insured at renewal time, availability of various add-on covers, affordable premium, etc.

Family Medicare Policy, United India’s family health insurance plan provides cover for an inpatient hospitalization, pre & post hospitalization, daycare procedures, ayurvedic treatment, cover for a remote medical second opinion, ambulance cover (add-on cover), hospital daily cash (add-on cover), health checkup reimbursement, and more.

Yes! Tax benefits for the policy premium paid are allowed for United India family health insurance policy under Section 80D of the Income Tax Act, 1961.

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

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

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.

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

The correspondence address of United India Insurance is -

United India Insurance Co. Ltd.

24, Whites Road,

Chennai - 600014

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

The claim settlement ratio of United India Insurance for the financial year 2019-20 is 92.24%.

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.

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.

To download United India health insurance policy document, you must follow the simple steps given below:

• Visit the official website of United India Insurance Company and login to your account by entering your policy number or other personal details such as name, phone number, etc.
• After logging in, download the policy document by clicking on the policy download button.
• You will receive an email from United India Insurance Company consisting of your health insurance policy document. You can download the same.

As the entire health insurance buying process has been made digital by the Insurance Regulatory and Development Authority of India, (IRDAI) there is no major requirement for getting a hard copy of your United India policy document. Not only at the time of policy purchase, but even at the time of claims, you can use the soft copy of your United India policy document. No doubt the digital process keeps you at ease. But if you still want to keep a hard copy of your United India policy document, then you are allowed to do so.

If you purchase a United India health insurance policy online, then you will receive a soft copy of your policy document on your registered Email ID. to get a hard copy, you can download that policy and take its print out. Also, you can follow the steps given above to download your policy document from the official website of United India health insurance and take its printout. Note that there is no limitation to the number of times you can download your policy document. You can do it as many times as you need to.

In case you are unable to download your United India policy document online, then you can connect with the customer care executives at InsuranceDekho or even United India Insurance Company and seek help. You will be assisted in the best way possible.

It may be possible that there is an error(s) in the details mentioned in your United India policy document. In this case, you must talk to the customer care executives at United India Insurance Company informing them about the same to avoid any hassle at the time of claim settlement. The changes that you can make in your United India health insurance policy document can be in the name of the policyholder, address, zone, health condition, members covered under the policy, nominee, birth, occupation, etc.

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.

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

Any individual who wishes to safeguard their finances from going down the drain during a medical emergency situation should buy a United India individual health insurance policy. Individual Health Insurance Policy by United India is an excellent health product for those who want extensive cover for themselves.

At United India, a policyholder cannot change their sum insured amount during their individual health insurance policy tenure. The ideal time to do so is policy renewal time.

Individual Health Insurance Policy by United India covers inpatient hospitalization, pre & post hospitalization expenses, domiciliary treatment, daycare procedures, ayurvedic treatment reimbursement, the dental treatment caused due to an accident, pre-existing diseases after four years of continuous coverage, optional cover for ambulance expenses & hospital daily cash benefit and many more.

Yes! United India individual health insurance policy offers tax deductions as per Section 80D of the Income Tax Act, 1961 for the premium paid towards the policy cover.

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

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

Family Medicare Policy in United India’s kid's health insurance plan is ideal for every policy buyer interested in securing the health of self and kids. If you have children between the age range of 3 months and 18 years, know that Family Medicare Policy would be the best one to buy for superior coverage.

No! If you want to change the sum insured amount for your United India kids health insurance policy, do so at the time of policy renewal. Learn that health insurance companies do not allow changes of any kind during the policy period.

Some of the key advantages of United India kids health insurance plan include sum insured range up to Rs. 10 lakh, cashless treatment in network hospital, lifelong renewal of the policy, 3% NCB discount, the sum insured enhancement, reimbursement of health checkup expenses, optional covers to add benefits to the existing policy, reasonable premium and more.

Family Medicare Policy, kids health insurance plan by United India offers cover for an inpatient hospitalization, pre & post hospitalization, daycare procedures, ayurvedic treatment, animal bite vaccination, dental treatment arising due to an accident, cover for a remote medical second opinion, pre-existing disease after 4 years of a waiting period, ambulance cover (add-on cover), hospital daily cash (add-on cover), health checkup reimbursement, and more.

Yes! Section 80D of the Income Tax Act, 1961 allows tax benefits for the premium paid against United India’s kids health insurance policy.

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

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.

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.

United India’s parents health insurance policy, Senior Citizen Health Insurance Policy is an excellent choice for the elderly. So, if you are above 60 years of age and looking forward to buying a health insurance plan to cover yourself as well as your family, choose Senior Citizen Health Insurance Policy without having any second thoughts.

If you want to make a change in your sum insured amount of United India’s parents health insurance policy, policy renewal would be the ideal time for the same. Remember, health insurance companies do not allow changes of any kind during the policy tenure.

Apart from superior health protection and reduced stress, United India parents health insurance policy comes with advantages like cashless hospitalization at 7000+ network hospitals, lifelong renewal of policy, 5% family discount on total policy premium, 50% health checkup reimbursement, cost-effective on the pocket, and many more.

Senior Citizen Health Insurance Policy provides cover for inpatient treatment expenses, Cover for accommodation in hospital, ICU, oxygen, blood, doctor’s fees & others, pre & post hospitalization, Cataract, Hernia & Hysterectomy up to 25% of sum insured, major illness/surgeries, AYUSH treatment, daycare treatment, domiciliary hospitalization and more.

Yes! Tax benefits for the policy premium paid can be availed for United India parents health insurance policy under Section 80D of the Income Tax Act, 1961.

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

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

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

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.

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.

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.

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

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

To calculate premiums for health insurance plans offered by United India Insurance, you can use the health insurance premium calculator available at InsuranceDekho. It is a free tool that helps you get an estimate of the premium to be paid for a particular health insurance plan, in no time.

Following are the benefits of using a premium calculator:

• Health insurance premium calculator makes it simple to calculate premiums of different health insurance plans in no time
• It keeps you informed about the premium that you will be required to pay for a particular health insurance policy if you buy that
• With a health insurance premium calculator, you can customise the policy benefits and see the premium change.

Following are the factors that affect the premiums of United India Insurance plans:

• Age
• Sum insured
• Number of family members covered
• Policy term
• Pre-existing diseases
• Co-payment clause
• Add-on benefit(s)
• Body Mass Index
• Geographical location.

Yes. You are required to pay GST at the rate of 18% on the premiums paid for health insurance plans for United India Health Insurance.

Here are a few tips that will help you lower the premiums for United India Insurance plans:

• Buy health insurance policy when young. It will help you save on the premium.
• Choose a co-payment option under health insurance plans.
• Select long term health insurance plans.
• Choose deductibles wisely.
• Choose top-up health insurance plans for extensive coverage as they come at affordable premiums.
• Opt for family floater health insurance plans instead of individual health insurance plans.

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.

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

Senior Citizen Health Insurance Policy by United India is a must-buy for people who are 60 years of age and above and in search of a good health insurance policy to provide financial support in case of an unexpected medical emergency situation. Elderly couples can also get their dependent children and dependent parents covered under the Senior Citizen Health Insurance Policy by United India.

No, you cannot! In general, health insurance companies do not allow making any changes in the sum insured amount during the policy tenure. However, policyholders are allowed to make sum insured changes at the time of policy renewal.

Exclusive cover for elderly, easy claim settlement, cashless hospitalization at more than 7000 network hospitals, lifelong renewability, the vast sum insured range, 5% discount on the premium on covering family members, reimbursement of 50% health checkup expenses, affordable premium cost are some of the prime advantages of buying United India senior citizen health insurance policy.

Senior Citizen Health Insurance Policy by United India Insurance covers inpatient treatment, expenses related to hospital accommodation, ICU, oxygen, blood, doctor’s fees & others, expenses for surgical appliances, medicines & drugs, dialysis, chemotherapy, etc along with 30 days pre & 60 days post hospitalization, AYUSH treatment, daycare treatment, the pre-existing disease after 48 months waiting period, domiciliary hospitalization and many others.

Yes! United India Insurance under its senior citizen health insurance provides tax benefits as per Section 80D of the Income Tax Act, 1961 for the policy premium paid.

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.

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

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.

Yes. United India Insurance offers a super top-up policy named Super Top-Up Medicare Policy.

A top-up plan allows you to make a claim that exceeds the deductible value and the sum insured of your base policy in case of a single hospitalisation. All the claims are treated individually in this case. Whereas, the super top-up policy offers coverage over and above a top-up insurance plan and sum insured by paying for a claim. It pays for multiple hospitalisations for cumulative medical expenses during a policy year. No matter if your base policy is United India or not, you can still buy a super top-up policy by United India.

A rider or an add-on cover is an additional benefit that you can buy along with a health insurance policy by paying an extra premium. It offers you extra coverage under you policy such as maternity cover, hospital daily cash benefit, etc. Whereas a top-up policy is like a regular indemnity policy but its benefits kick in only after the sum insured and deductible amount of your base health insurance policy gets exhausted.

Apart from increasing the sum insured, top-up plans offer the following benefits:

• They increase the coverage at a very affordable premium.
• There is no capping, co-payment, under top-up plans
• These plans come with less waiting period
• These plans cover pre-existing diseases too.

Choosing a top-up policy offered by United India is a good option because of the following reasons:

• Coverage for people up to 80 years of age
• Lifetime renewability benefit
• Cover for in-patient hospitalisation expenses
• Cover for pre-hospitalisation and post-hospitalisation expenses
• Tax benefits under Section 80D of the Income Tax Act, 1961.

Anyone who is not satisfied with the coverage under their existing health insurance plans can purchase a top-up insurance policy provided they are aged at least 18 years and live in India.

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

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

United India’s woman health insurance policy is meant for women who wish to secure their health as well as financial future in case an expected medical emergency takes place. So, if you are a woman concerned for your health, United India’s Family Medicare Policy will help you insure yourself as well as your family.

If you possess Family Medicare Policy, United India’s woman health insurance policy and want to change its sum insured amount, it is advised to wait for the policy renewal time to arrive for the same. Remember, health insurance companies, including United India do not allow any kind of changes during the policy tenure.

Family Medicare Policy, United India’s woman health insurance policy provides cover for inpatient hospitalisation, 30 days pre & 60 days post hospitalisation, day care procedures, Remote Medical Second Opinion, Ayurvedic treatment, cover for cataract, hernia, hysterectomy & major surgeries, pre-existing diseases after 48 months, as well as add-on covers like ambulance charge & hospital daily cash, etc., at an affordable premium cost.

Yes! United India Insurance provides tax benefits in adherence to Section 80D of the Income Tax Act, 1961 for the premium paid towards Family Medicare Policy, the ultimate health insurance for women.