United India Insurance - Health Insurance Plans

United India Insurance Company Overview

United India Insurance was incorporated as a Company in February 1938. After nationalization, 4 cooperative insurance societies, 12 insurers and Indian operations of 5 foreign insurers, besides non-life insurance operations of southern region of LIC were merged with UIIC. The insurer has 18,300 staff across 1340 offices providing insurance cover to over 1 crore policyholders. The company has established its presence in over 200 tier II and III towns and villages through their micro offices. United India Insurance offers a range of insurance products, from policies for bullock carts to satellites.

(Note - All the information contained in this page has been sourced from the official website of United India Insurance Company.)

All About United India Insurance Health Insurance Policy

United India Insurance offers a variety of health insurance products to meet varying customer requirements. Health insurance is a kind of coverage that pays for the medical and surgical costs incurred by the insured. The insurance provider can either reimburse the individual for the expenses he or she has incurred due to an illness or injury, or pay the hospital directly. Besides the benefit of health coverage, the policyholder can claim tax deduction under Section 80D of the Income Tax Act, 1961, for the medical premiums paid. Thus, it can be said that health insurance has a two-fold advantage - offering financial cover against health risks and income tax benefits. Listed below are the health insurance products of United India Insurance Company.

  • The incurred claim settlement ratio of United India Health Insurance for F.Y. 2018 - 19 is 110.51%.

11 United India Insurance Health Insurance Plans

United India Insurance - Family Medicare:

The policy covers:

  • Hospitalisation expenses

  • Day care treatment

  • AYUSH treatment

  • Cashless facility in over 7000 hospitals across India

  • No claim discount of 3% after three straight claim-free years and subsequent claim free years, subject to a maximum of 15%

  • Free health check-up after a block of three claim-free years

Who can be covered?

Family Medicare covers all the family members under a single sum insured. Family, here, shall comprise of self, spouse and dependent children. The age of the proposer has to be between 18 and 80 years. Children between 3 months and 18 years of age can be covered, provided either or both parents are covered concurrently.

What is the sum insured?

The sum insured can range from Rs. 1 lakh to Rs.10 lakhs, in multiples of Rs. 50,000 up to Rs.5 lakhs and from Rs. 5 lakhs to Rs.10 lakhs, in multiples of Rs.1 lakh.

United India Insurance - Family Medicare 2014

The policy covers:

  • Hospitalisation expenses

  • Day care treatment

  • Ayurvedic treatment

  • Cashless facility in over 7000 hospitals across India

  • No claim discount of 3% per year after three straight claim-free years, subject to a maximum of 15%

  • Free health check-up after a block of three claim-free years

Who can be covered?

Family Medicare 2014 covers all the members of the family under a single sum insured. Family, here, shall comprise of self, spouse and dependent children. The age of the proposer has to be between 18 and 80 years. Children between 3 months and 18 years of age can be insured, provided either or both parents are covered concurrently.

What is the sum insured?

The sum insured can range from Rs. 2 lakhs to Rs. 10 lakhs, in multiples of Rs. 50,000 up to Rs. 5 lakhs and from Rs. 5 lakhs to Rs. 10 lakhs, in multiples of Rs. 1 lakh.

United India Insurance - Gold

The policy covers:

  • Hospitalization expenses

  • Day care treatment

  • AYUSH treatment

  • Cashless facility in over 7000 hospitals across India

  • 5% family discount on total premium if the policy is taken for self and any one or more family members

  • Free health check-up after a block of three claim-free years

Who can be covered? The entry age is between 36 years and 60 years. An individual beyond 60 years shall continue to be covered under this policy, provided the cover is renewed without any break. Children between 3 months and 18 years of age may be covered, provided either or both parents are covered concurrently.

What is the sum insured? The sum insured is between Rs. 1 lakh to Rs. 5 lakhs, in multiples of Rs. 50,000.

What is the entry age? Entry age:

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United India Insurance - Individual Health Insurance Policy

The policy covers:

  • Hospitalization expenses

  • Pre and post hospitalisation expenses

  • Domiciliary hospitalisation

  • Day care expenses

  • Expenses on Ayurvedic treatment as in-patient

  • Add-on covers: Ambulance Charges and Hospital Daily Cash

  • Free health check-up after a block of three claim-free years

What is the entry age?

Entry age:


PlanPlatinumGoldSenior Citizen
Minimum entry age18 years36 years61 years
Maximum entry age35 years60 years65 years

Children from the age of 91 days can be covered in the platinum plan, provided either or both of the parents are insured.

What is the sum insured?


PlanPlatinumGoldSenior Citizen
Minimum SIRs. 2,00,000Rs. 2,00,000Rs. 2,00,000
Maximum SIRs. 20,00,000Rs. 10,00,000Rs. 5,00,000

United India Insurance - Individual Mediclaim

The policy covers:

  • Room, boarding expenses, as provided by the hospital / nursing home
  • Nursing expenses
  • Surgeon, anaesthetist, medical practitioner, consultants and specialist fees
  • Anaesthesia, blood, oxygen, operation theatre charges, medicines & drugs, diagnostic materials, surgical appliances and X-ray.

  • Dialysis, chemotherapy, cost of pacemaker, radiotherapy, artificial limbs & cost of organs and similar expenses.

United India Insurance - Platinum

The policy covers:

  • Hospitalization expenses
  • Day care treatment
  • AYUSH treatment
  • Cashless facility in over 7000 hospitals across India
  • 5% family discount on the total premium, if the policy is taken for self and any one or more family members
  • Free health check-up after a block of three claim-free years

Who can be covered?

The entry age for this policy is from the age of 18 years to 35 years. An insured over 35 years shall continue to be covered under this policy, provided it has been renewed without any break. Children from the age of 3 months to 18 years may be covered, provided either or both parents are covered concurrently.

What is the sum insured?

The sum insured is between Rs. 1 lakh and Rs.10 lakhs, in multiples of Rs. 50,000.

United India Insurance - Senior Citizen

The policy covers:

  • Hospitalisation expenses

  • Day care treatment

  • AYUSH treatment

  • Cashless facility in over 7000 hospitals across India

  • 5% family discount on the total premium if the policy is taken for self and any one or more family members

  • Free health check-up after a block of three claim-free years

Who can be covered?

The entry age for this policy is from 61 years and 80 years of age. An insured beyond 80 years shall continue to be covered under this policy as it is renewed without any break. Children between 3 months and 18 years of age may be covered, provided either or both parents are covered concurrently.

What is the sum insured?

The sum insured is between Rs. 1 lakh and Rs. 3 lakhs, in multiples of Rs. 50,000.

United India Insurance - Super Top up

Insurance claims are only payable under this policy if the aggregate of covered hospitalization expenses surpasses the threshold level or any amount received/receivable under any health insurance policy/reimbursement scheme, whichever is higher.

The policy covers:

  • Hospitalisation expenses
  • Cashless facility in over 7000 hospitals across India

Who can avail this plan?

The proposer’s age has to be between 18 and 80 years. Children between 3 months and 18 years of age are covered, provided either or both parents are covered concurrently. Children over 18 years shall cease to be insured if they are employed/self-employed or married.

United India Insurance - Top up

Insurance claims under this policy are only payable only if the covered hospitalization expenses surpass the threshold level or any amount received/receivable under any health insurance policy/reimbursement scheme, whichever is higher.

The policy covers:

  • Hospitalization expenses
  • Cashless facility in over 7000 hospitals across India

Who can avail this policy?

The proposer’s age has to be between 18 years and 80 years. Children from 3 months to 18 years are covered, provided either or both parents are covered concurrently. Children over 18 years shall cease to be covered if they are employed/self-employed or married.

United India Insurance - UNI Criticare

The policy covers the below critical illnesses:

  • 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
  • Permanent paralysis of limbs

What is the sum insured?

The insurance plan has various coverage options of Rs. 1 lakh, Rs. 3 lakhs, Rs. 5 lakhs and Rs. 10 lakhs.

Who can avail this policy?

Persons between the ages of 21 and 65 years are eligible to take the policy. The policy has a 90-day waiting period from the date of policy inception and a survival period of 30 days from the date of diagnosis.

Workmen Medicare Policy

The policy covers hospitalization expenses incurred as a result of an accident to the workmen in the course of their employment. The target segment would include factory owners/contractors/other commercial establishment seeking limited medical cover for workers/employees due to accidents in the course of employment.

Source: Official website of United India Insurance Company

Conclusion

Health insurance plans of United India Insurance Company provide extensive coverage against uncertain health risks at affordable premiums. Policyholders are given the facility to boost the protection of certain insurance plans by including add-ons to their base cover. Prior to availing a health plan, individuals are advised to go through the policy’s brochure and the terms and conditions outlined. Due attention should be given to those events, injuries and ailments that can prompt claim rejection.

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