About United India Health Insurance
United India Insurance has remained one of India’s top health insurance providers since 1972. It currently operates through its 2267 offices across the country with over 14,000 employees. The wide coverage offered by United India includes critical illnesses, families and senior citizens. It additionally provides a plethora of benefits for its policyholders, giving them the financial security they deserve in stressful times.
United Insurance Mediclaim offers cashless claim facilities at 7000+ network hospitals, maintaining a 79.72% claim settlement ratio. Having sold 96.59% of all grievances, they established themselves as an approachable insurance company with efficient processes. They use TPAs to process claims quickly, therefore keeping them and their plans in high demand.
The range of United Healthcare plans include:
- United India Individual Health Insurance Policy
- United India Senior Citizen Health Insurance Policy
- United India UNI Criticare Policy Health Insurance
- United India Family Medicare Policy Health Insurance
- Workmen Medicare Policy
Let’s take a closer look at each United India insurance policy.
United India Individual Health Insurance Policy
- Entry Age: 36-60 years (Gold); 18-35 (Platinum); 61 years onwards (Senior Citizen)
- Policy Term: 1 year
- Sum Assured: Rs.2-20 lakhs
- Pre and Post-Hospitalisation: 30 and 60 days, respectively.
Other benefits:
- Daily Hospital Cash Allowance: Rs.250-500 per day (for an additional premium)
- Health checkup reimbursement after three consecutive claim-free years.
- Ambulance Coverage: Up to Rs.2500
United India Senior Citizen Health Insurance Policy
- Entry Age: 61-80 years
- Policy Period: 1 year
- Sum Assured: Rs.1-3 lakhs
- Pre and Post-Hospitalisation: 30 and 60 days, respectively.
Other benefits:
- Covers 3+ days of domiciliary hospitalisation, subject to certain conditions
- A family discount of 5% of the total premium.
- Domiciliary Hospitalisation Coverage: Asthma, Bronchitis, Chronic Nephritis and Nephritic Syndrome, Diarrhoea and all type of Dysenteries including Gastroenteritis, Diabetes Mellitus and Insipidus, Epilepsy, Hypertension, Influenza, Cough and Cold, All Psychiatric or Psychosomatic Disorders, Pyrexia of unknown Origin for less than 10 days, Tonsillitis and Upper Respiratory Tract infection including Laryngitis and pharyngitis, Arthritis, Gout and Rheumatism.
United India UNI Criticare Policy Health Insurance
- Entry Age: 21-65 years
- Policy Period: 1 year
- Sum Insured: Rs.1-3 lakhs
- Coverage: 11 critical illnesses
Other benefits:
- Waiting Period: 90 days only (compared to the 3-4 years for other policies)
- Lumpsum payment upon diagnosis.
- Cashless hospitalisation with hassle-free claim processes
United India Family Medicare Policy Health Insurance
- Entry Age: 3 months - 80 years
- Policy Term: 1 year
- Sum Insured: Rs.1-10 lakhs
- Pre and Post-Hospitalisation: 30 and 60 days, respectively
Other benefits:
- No-Claim Bonus: A 3-15% increase in sum insured for every claim-free year.
- ICU Coverage: Up to 3% of the Sum Insured.
- Ambulance charges up to a maximum of Rs.2500 per policy period
- Hospital Cash Benefit: Rs.250-5000 upon additional premium payment.
Workmen Medicare Policy
- Basis: Individual
- Policy Term: 1 year
- Sum Insured: Rs.50,000-1.5 lakhs
- Renewability: Lifelong
Other benefits:
- Ambulance Coverage: Rs.2500 per hospitalisation
- Coverage for Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines and Drugs, Diagnostic Material, X-Ray, Artificial Limbs and similar expenses.
- Room, Boarding expenses and other expenses as specified in the policy up to 1% of sum insured per day.
The Benefits of United Health Insurance India
There is a multitude of advantages embedded in the various United India insurance policy details. Knowing what you want from your healthcare provider helps you identify whether a plan is beneficial for you. Every United health insurance policy is transparent with what it offers. This ensures that you know exactly what to expect when choosing between the many United India health insurance plans. This is just the tip of the iceberg when it comes to the advantages of choosing United India.
- United India’s plans offer a free health checkup at the end of 3 consecutive claim-free years. While the limit to this is 1% of the sum insured, a basic health checkup is usually covered under this benefit.
- While employees believe that their group insurance plan is sufficient, depending on the kind of work you do and your medical history, you may need additional coverage. Insurance ensures financial stability. Purchasing a United India health insurance policy gives you this extra layer of protection.
- With over 7000 network hospitals, you find the cashless hospitalisation benefit in all United India health insurance policy details. This gives policyholders expert and hassle-free payment procedures when hospitalised at any network hospital.
- Depending on your United India insurance mediclaim policy, you avail portability benefits, allowing you to shift to United Healthcare Insurance while keeping your completed waiting period and other such benefits intact.
- Premiums paid during your United India mediclaim policy renewals are deductible under Section 80(D) of the Income Tax Act.
Calculating Your United India Insurance Health Insurance Premium
Premium calculators help you determine how much your insurance policy will cost you. Online premium calculators are becoming more popular, and for United India Insurance, health insurance is no exception. They use various parameters to determine your premium payment during policy renewal. Understanding these parameters gives you a better comprehension of your policy. The parameters used are:
- Age
- Coverage details
- Medical history
- Policy term
- Sum insured required
- The type of policy to be purchased
With such broad guidelines, you gain a fuller understanding of your healthcare policy and its costs. You do not have to worry about calculating your premium, and you no longer wonder about what goes into calculating it. All the parameters are before you, and you can determine the financial weight of your insurance for yourself.
United Insurance Mediclaim Policy Claim Process
United India, like its peers, offers both cashless and reimbursement-based claim processes. With over 7000 network hospitals, it maintains a claim settlement ratio of 79.72%, showing their dedication to properly analysing and understanding claims. The documents you need for both cashless and reimbursement claims are crucial for the best results.
Cashless Claims:
- Ensure you are in a United India network hospital and intimate the third-party insurer (TPA) within 24 hours of emergency hospitalisation. Inform them 72 hours in advance when hospitalisation is planned.
- Carry your cashless treatment card or have your policy number on hand. You also need your member ID to show at the hospital’s insurance desk.
- Fill in the pre-authorisation form with all the necessary details and submit it to the hospital, which will send it to the insurer through the TPA.
- After examining and verifying your claim details, the TPA will inform you about the claim’s status. If accepted, the hospital then deals directly with the insurer.
- If rejected, you have to pay your medical bills yourself.
Reimbursement Claims:
- Ensure you are in a United India network hospital and intimate the third-party insurer (TPA) within 24 hours of emergency hospitalisation. Inform them 72 hours in advance when hospitalisation is planned.
- Submit your reimbursement claim form within 15 days of discharge.
- After a careful examination of the documents and claim investigation, you will receive your approval letter from the insurer or TPA.
- The claim will be settled within 15 days, and the amount will be reimbursed.
- If your claim is rejected, you need to respond to the query put forth by the insurer for the reason behind the rejection.
Remembering the necessary documents for claim settlement can be an unnecessary burden which adds to the stress about being admitted for medical reasons. This is where the experts at Cover360 can step in to help! We ensure you have a successful and smooth claim process, so you go through your insurance experience hassle-free!
United India Insurance Mediclaim Renewal Process
- Visit cover360.in and go to our renewal page
- Enter the details asked
- You will be taken to the United India website to complete the renewal process
- Alternatively, go directly to the United India website and renew your policy online.
- Click on the “Renew” tab.
- Submit your basic details.
- Check your policy and premium.
- Make the payment.
- You will get the renewal documents on your registered email ID
Contact us and allow Cover360’s 24/7 customer service to help you ensure you have the most beneficial insurance policy. Our consultants keep you and your needs at the forefront of their minds while matching you with the ideal policy!
