United India Insurance

United India Health Insurance Plans guarantee peace of mind for the insured and his family against financial perils and inadequacies due to sudden accidents, illness and hospitalization. They have a plethora of health insurance plans that cater to individuals, families and senior citizens.

Critical Factors of United India Health Insurance Plans

• Co-payment
• Room rent
• Lifetime renewability
• Pre-existing ailments covered after the wait period

United India Insurance Company Limited - Health Insurance Highlights

*The ICR mentioned in the table is for the year 2018-19.
^The above table mentions the total number of grievances solved by United India Insurance during the year 2018-19.

Health Insurance Policy - Family Medicare 2014

The Family Medicare 2014 policy covers all the members of the family under a single sum insured. For the purpose of coverage, the family comprises of the insured, spouse and dependent children. It covers hospitalization expenses, day care treatment as well as ayurvedic treatment taken in a government recognized hospital/ institute.

Individual Health Insurance Policy

The Individual Health Insurance policy covers the insured against any disease contracted or injuries or illnesses suffered during the policy period that requires hospitalization or medical/surgical treatment. It also provides domiciliary hospitalization benefits and covers the cost of day care & AYUSH treatments. Individuals, families as well as senior citizens can opt for this policy. This policy by United India Insurance is available in Gold, Platinum and Senior Citizen variants.

• Health Insurance Policy - Gold: The entry age for the Gold policy is 36 years to 60 years. People who have attained 60 years can continue the same policy if they renewed their Gold policies without any gap. The sum insured under this policy is available between Rs 2 lakh and Rs 10 lakh in multiples of Rs 50,000.
• Health Insurance Policy- Platinum: The entry age for the Platinum policy is 18 years to  35 years. The same policy can be renewed after attaining 35 years if the Platinum policies are renewed without any gap. The sum insured is available between Rs 2 lakh and Rs 20 lakh in multiples of Rs 50,000.

Senior Citizen Health Insurance Policy

This plan is specially designed for citizens between the ages of 61 years and 80 years. An insured beyond 80 years can continue to be covered under the Senior Citizens health insurance policy provided the policy has been renewed without any break. The sum insured is available between Rs 1 lakh and Rs 3 lakh in multiples of Rs 50,000.

Super Topup Medicare Policy

The Super Topup Medicare covers hospitalization expenses if the total expenses cross the threshold level or the amount to be received by any health insurance policy. The sum insured is available both on individual and floater basis. Various options with a different sum insured and threshold levels are available under this United India Insurance policy.

Top Up Medicare Policy

The Top Up Medicare policy covers hospitalization expenses incurred in India during the policy period that exceeds the threshold level or any reimbursed or reimbursable amount under any health insurance policy/reimbursement scheme, whichever is higher, up to the sum insured stated in the policy. The sum insured under this policy is available on both individual and floater basis.

UNI Criticare Health Plan

The UNI Criticare policy covers 11 critical illnesses and provides lump sum compensation if the insured is diagnosed with any of these illnesses for the first time during the policy term. It has a waiting period of 90 days from the date of inception of the policy and a survival period of 30 days from the date of diagnosis. This policy by United India Insurance offers various sum insured options - Rs. 1/3/5/10 lakh.

Workmen Medicare Policy

The Workmen Medicare policy covers hospitalization expenses incurred on account of an accident to the workmen, during and in the course of employment. The policy has been designed for contractors, factory owners and commercial establishments who wish to cover their employees in the event of a workplace accident.

United India Health Insurance Claim

United India Insurance Health Plans have two types of claim process namely, for the cashless facility and reimbursement claims.

For Cashless Facility

Cashless facility is made available only at a network provider/ PPN hospital of United India Insurance and only to policyholders who have opted for claim settlement by a third-party administrator (TPA).

In case of planned hospitalization, the insurer or the third-party administrator needs to be notified at least 72 hours in advance with all the details including the address and name of the hospital/nursing home. In the event of emergency hospitalization, notify the third-party administrator within 24 hours of the admission of the insured.

On the admission, the insured has to send a pre-authorisation request to avail cashless facility to the third-party administrator by the nursing home/hospital - duly attested by the hospital authorities and the policyholder giving the details of illness, admission, estimated expenses and proposed line of medical procedure. The TPA will issue authorization after verification of the claim. On discharge from the nursing home/hospital, the insured must pay the difference amount barred under the plan or limited by the sum assured.

In case the TPA of United India Insurance denies pre-authorization for cashless treatment, the insured can claim pre-hospitalization and post-hospitalization expenses after the treatment gets completed and he is discharged from the hospital. Original copies of all the documents are to be submitted to the TPA within 15 days of getting discharged from the hospital or completion of post-hospitalization treatment.

Reimbursement Claims

The insured must notify the TPA or the office of the United India Insurance about a planned hospitalization within 72 hours and within 24 hours of emergency hospitalization.

Before the insured leaves the hospital, a copy of the medical investigation, discharge summary, and other necessary documents must be acquired from the hospital authorities. The insured has to submit the original copies of the documents to the TPA or the branch of the provider within 15 days of getting discharged from the hospital.

Documents include the hospital discharge summary, claim form of United India Insurance, certificates and prescription by the doctor, investigation reports, laboratory bills, final hospital bill, bills of pharmacy, and other related documents.

Car insurance plans from United India Insurance Company offer comprehensive coverage to the buyer’s car. The insured must compare plans from various companies before making a final choice. Save money and grab a good deal!

Main Benefits of United India Motor Insurance:

• Accidental Cover and Customer Support
• Cashless Claims Network
• Discounts

Additional Covers for United India Motor Insurance:

• Depreciation Cover - 100 per cent cover for a repayment
• It offers Third Party Property Damage cover up to Rs. 7.5 lakh
• United India Car Insurance offers personal accident cover for the owner of the vehicle for a certain sum assured

United India Insurance - Motor Insurance Highlights:

*for the year 2018-19

United India Private Car Package Policy

This comprehensive united India private car insurance policy protects the insured car from any damages, provides personal accident cover to the owner-driver as well as to the passengers, and insures against any third party liability. The comprehensive car insurance policy by United India Insurance also protects against man-made and natural calamities. The policy comes with an add-on cover of a courtesy car.

United India Two Wheeler Insurance Plans

United India two-wheeler insurance plan offers comprehensive financial protection against several unforeseen risks, including damages/losses due to theft, accidents, natural or man-made disasters, etc. The company generally offers package policy (comprehensive bike insurance policy) and liability only policy (third-party bike insurance policy). With their customized bike insurance online and speedy customer service, they ensure riders are covered against a set of perils in their journey.

Commercial Vehicle Package Policy

This policy by United India Insurance protects an insured commercial vehicle from any losses caused due to damage to the vehicle and third party liabilities. Commercial vehicles include goods carrying vehicles, trailers, passenger-carrying vehicles and other miscellaneous or special types of vehicles. It also provides personal accident cover for the owner-driver as well as the passengers in the vehicle.

United India Motor Insurance Claim

In case of damage or loss of the insured vehicle, the policyholder should inform United India Insurance about the incident at the earliest. You can visit the insurer’s office which issued the policy or contact the nearest branch so that they can arrange a survey. 

In the event of major mishaps including loss due to riots or fire, leave your car at the accident spot until the team of surveyors visits the location and carries out an investigation. It is mandatory to lodge an FIR in case of third party injuries, riots and fire.

Once the formalities are completed, you may tow or move your car to any of the authorized workshop or garage of your choice and get an estimate from them. Submit the estimate along with the duly filled claim form to United India Insurance . Make sure that the repair work of the vehicle does not start unless the damages have been verified by the final surveyor and the repairs have been approved.

In case of partial loss claims, submit the cash memo for labour charges and spare parts to the insurer for reimbursements after the repair work has been completed.

United India Insurance Travel Insurance Plans protects a policyholder from an unforeseen incident or losses during holidays, business trips or visits to friends & family within India or abroad. It also protects students who are travelling overseas to pursue education.

Overseas Travel Insurance

This comprehensive travel insurance policy by United India Insurance protects people during their trip outside India. It provides an array of medical and non-medical covers including loss of passport, personal liability, trip cancellation and trip delay. Some of the overseas travel plans provided by United India Insurance are:

• Business and Holiday: The Business and Holiday policy covers people travelling for business & holidays against any unforeseen expenses incurred towards medical treatment for an illness or accident caused during their overseas trips. It also covers non-medical risks such as loss of passport, baggage loss, trip cancellation, etc.
• Schengen: The Schengen policy has been designed to cater to the needs of people travelling to Schengen countries. It is available for a sum insured amount of Euro 30,000. This policy by United India Insurance covers unforeseen expenses including medical expenses, personal accident, dental treatment and repatriation of mortal remains.
• Employment and Studies: The Employment and Studies policy covers people travelling for employment or higher studies from any unforeseen expenses incurred towards medical treatment for accidental injuries or illness diagnosed during their overseas trips. This policy by United India Insurance also covers the cost of repatriation of mortal remains. The insured should be between 5 years and 60 years to be able to purchase this policy.
• Corporate Frequent Traveller: The Corporate Frequent Traveller policy has been designed to cover expenses incurred towards medical treatment for an accident/illness diagnosed during overseas trips by people who travel abroad frequently for business purposes. This policy by United India Insurance also covers non-medical risks including personal liability, loss of passport and delay or loss of check-in baggage.

Domestic Travel Insurance

The Domestic Travel Insurance by United India Insurance protects people who are travelling within India from any unforeseen risks. It covers any expenses or losses arising due to incidents like personal accident, loss of baggage and cost of arranging alternate travel.

• Baggage Policy: The Baggage Insurance policy covers all accompanied baggage like suitcases, trunks, etc. during a journey. The policy provides a cover against loss or damage to accompanied personal baggage due to fire, riot, strike, terrorist activity, theft or accidents during the course of the It also covers any stoppages en route anywhere in India.
• Suhana Safar Policy: This policy by United India Insurance covers the risk of personal accident and loss of baggage of the insured, spouse and dependent children. The loss must occur during the period of outstation travel within India from the declared place of departure. It also includes places of sojourn.
• Marga Bandhu Policy: This United India Insurance policy covers groups of individuals on a study tour, educational trip or pilgrimage. Educational institutions, tour operators, travel agents, clubs and associations who arrange tours, picnics, yatras, etc. can avail this cover for persons going on the tour.

House Insurance policies by United India Insurance cover any damage or loss to the structure and/or belongings inside the house caused due to unforeseen incidents such as fire, burglary, theft, natural calamities, etc

House Holder Policy

The House Holder policy covers loss or damage to the insured building and its contents including jewellery, baggage, valuables and domestic appliances like TV, VCR, Audio Systems, PCs, etc. It also covers the insured in case of an accidental injury that results in his disability or death as well as any liabilities to third parties.

United India Insurance Personal Accident Plans: Accidents can happen with anyone at any time. In a matter of seconds, it may take away your hard-earned money as the aftermaths of accidents can be adverse. In such a situation, don’t stretch your savings and get your life back on the track with a Personal Accident policy. This type of policy offers vast coverage to protect families from financial instability when an accident occurs.

Personal Accident Policy

The Personal Accident policy covers physical loss to an individual due to an accidental injury including fatal injuries. Any individual or group of individuals, belonging to an employer association or institution, who are between 5 years and 70 years can be insured under this policy by United India Insurance.

Road Safety Package Policy

The Road Safety Package policy insures against accidents that result in partial or total dismemberment or death of the insured. Dismemberment under the plan includes a total loss of two limbs or two eyes, total loss of one limb and one eye, total loss of one limb or one eye, besides any other permanent total and partial disablement that was the direct result of an accident during the policy period. This United India Assurance policy can be bought for a period of 1 year to 5 years.

Group Personal Accident Policy

The Group Personal Accident policy covers members of a group/ institution or employees of an organization in case an accident leads to the death or total/ partial permanent disability of the insured. This policy by United India Insurance allows the policyholder to cover its employees/ members during on duty as well as off duty hours.

The Credit Insurance policy by United India Insurance protects the insured employer from any monetary or property loss caused due to the dishonesty of an employee.

Business Insurance policies protect businesses or commercial firms and organizations from various unforeseen incidents that may cause huge financial losses. Some of the business insurance plans under United India Insurance are:

• Shop Keepers Policy
• Burglary Policy
• Jewellers Block Policy
• Money In Transit Policy
• Compact Policy
• Dukan Mithra Policy

The Liability Insurance policies cover any liabilities of the insured that may cause huge financial burdens or losses. Some of the liability insurance plans by United India Insurance are:  

• Product Liability Policy
• Professional Indemnity Policy
• Public Liability Policy
• Workmen Compensation Insurance

Some of the Micro Insurance plans by United India Insurance are:

• Bio-Gas Plant Insurance
• Dairy Package Policy
• Floriculture Insurance
• Honey Bee Insurance
• Hut Insurance
• Kissan Credit Card
• Raja Rajeshwari Mahila Kalyan Yojana
• Sericulture Insurance
• Uni Micro Insurance Policy
• Animal Driver Cart/Tonga Policy

The Rural Insurance policy has been designed to protect the interest of people belonging or working for the rural sector. It covers the insured from any unforeseen expenses that may cause big financial losses. Some of the rural insurance plans by United India Insurance are:

• Cattle and Livestock Policy
• Agricultural Pumpset Policy
• Poultry Insurance Policy
• Gramin Accident Policy
• Plantation Insurance
• Rural Women’s Package Policy
• Farmers Package Policy
• Rural Accident Policy

Some of the Social policies provided by the United India Insurance are:

• Janatha Personal Accident Policy
• Bhagyashree Child Welfare Policy
• Raja Rajeshwari Mahila Kalyan Yojana
• Mother Teresa Women & Children Policy
• Jan Arogya Bima Policy
• Swasthya Bima Policy
• Universal Health Insurance Scheme

The Fire Insurance policies protect the various assets of the insured from any damages or losses caused due to fire being the prime reason. Some of the fire insurance plans by United India Insurance are:

• Fire Loss of Profit Policy
• Standard Fire and Special Perils Policy

Some of the Marine Insurance plans offered by United India Insurance are:

• Marine Hull
• Marine Cargo

Some of the Industrial Insurance policies provided by United India Insurance are:

• Boiler and Pressure Plant Policy
• Contractors Plant and Machinery Policy
• Deterioration of Stock
• Electronic Equipment Policy
• Industrial All Risk Policy
• Machinery Breakdown Policy

The Miscellaneous insurance policies by United India Insurance refers to the policies that are not covered any other category of insurance. Here is a list of United India Miscellaneous Insurance policies:

• All Risk Policy
• Bankers Indemnity Policy
• Compact Policy
• Directors or Officers Policy
• Film Production Policy
• Gun Insurance Policy
• Lift Insurance Policy
• Money Insurance Policy
• Plate Glass Insurance Policy
• Students Safety Insurance Policy
• TV Insurance Policy
• Uni Study Care Insurance Policy

Compare the policies of United India Insurance Company with plans from other general insurance companies in India and make the right choice.