United India is a company renowned for its affordable general insurance products. The company has plenty of indemnity-based covers and fixed-benefit policies against various medical threats. Customers can also take riders for additional protection.
United India Insurance Company Limited is a public sector General Insurance Company of India (Wholly owned by Govt. of India). With the net worth of Rs 5,361 crores as on the financial year 2013-14, The company has more than three decades of experience in Non-life Insurance business headquartered in Chennai. United India Insurance offers products like Health insurance, Motor Insurance, Liability Insurance, fire Insurance, Industrial insurance, Travel insurance, Marine Insurance and more.
With decades of experience in the non-life insurance sector, United India Insurance Company is one of the leading general insurance providers in the country. The insurance company is headquartered in Chennai. It was formed by the merging of 22 companies. The mission of United India Insurance is to provide insurance protection to all and ensure customer satisfaction. This public sector general insurance company offers a wide range of insurance products from motor and health insurance to travel and personal accident insurance plans.
Features
Specifications
Network Hospitals
7000+
Waiting Period for Pre-existing Disease
4 years
Incurred Claims Ratio
56.3%
Number of Policies Issued
1230765
Grievances Solved
96.59%
Renewability
Lifetime
Overview of United India Insurance:
United India Insurance Co. Ltd. is a public-sector general insurance provider that was formed in 1938 and nationalised in 1972. The company has since bolstered its presence across the country by expanding its distribution network. It now has over 1,340 offices channelling a variety of insurance products to a customer-base of over 1 crore clients.
In addition to serving urban and semi-urban clients, United India actively participates in government-run programmes aimed at extending insurance to rural market segments. It also services lower economic strata through micro-offices which they have established in over 200 towns.
The company’s main strength is its ability to develop solutions to meet the financial protection needs of a wide variety of clients, corporate or rural.
Health insurance policies form an integral part of its product portfolio. These policies couple coverage with affordability, making them viable insurance products for a large cross-section of the Indian insurance market.
uiic ltd plans on offer are:
United India Insurance Family Medicare Policy
United India Insurance Family Medicare 2014 Policy
United India Insurance Gold Policy
United India Insurance Individual Mediclaim Policy
United India Insurance Platinum Policy
United India Insurance Senior Citizen Plan
United India Insurance Super Top-up Policy
United India Insurance Top-up Plan
United India UNI Criticare Health Insurance
United India Insurance Personal Accident Policy
How to file a health insurance claim with United India Insurance?
2 types of health insurance claims can be filed with United India Insurance:
Cashless Claim: Get admitted at a network hospital of the insurer to avail cashless hospitalisation. Intimate the insurer prior to admission in the case of planned hospitalisation or within 24 hours of admission in the case of emergency hospitalisation. Show your health card at the hospital helpdesk. The hospital will submit a pre-authorisation request form to the insurer or Third-Party Administrator. Upon approval, the hospital will provide cashless treatment to the insured member. The medical bills will be settled directly with the hospital by the insurer. Reimbursement Claim: A written intimation has to be sent to the insurer or TPA within 24 hours of hospitalisation. Collect all the original medical documents at the time of discharge. Pay the bills upfront and later file a reimbursement claim with the insurer within 7 days from the date of discharge. The claim will be approved or rejected as per the policy terms and conditions.
How to file a health insurance claim with United India Insurance?
2 types of health insurance claims can be filed with United India Insurance:
Cashless Claim: Get admitted at a network hospital of the insurer to avail cashless hospitalisation. Intimate the insurer prior to admission in the case of planned hospitalisation or within 24 hours of admission in the case of emergency hospitalisation. Show your health card at the hospital helpdesk. The hospital will submit a pre-authorisation request form to the insurer or Third-Party Administrator. Upon approval, the hospital will provide cashless treatment to the insured member. The medical bills will be settled directly with the hospital by the insurer. Reimbursement Claim: A written intimation has to be sent to the insurer or TPA within 24 hours of hospitalisation. Collect all the original medical documents at the time of discharge. Pay the bills upfront and later file a reimbursement claim with the insurer within 7 days from the date of discharge. The claim will be approved or rejected as per the policy terms and conditions.
Process
Dos
Don’ts
New policy
The proposal form submitted by the proposer should contain his or her personal details including contact number and email ID.
Read the prospectus carefully before filling out the proposal form. It contains details of the chosen health insurance policy.
The insured person details form has to be filled with details of each family member that is to be covered under the policy. Along with the form, a stamp-size photograph and an ID of each family member like Voter’s ID, Passport, PAN card or Driving Licence has to be submitted to the insurer.
At the time of proposal, honestly disclose any pre-existing illness, injury or ailment for each insured person.
For any clarification regarding the proposal form, contact the insurer’s office.
A copy of the duly-filled and signed proposal form will be given to the proposer along with the policy copy within 30 days of policy issuance.
Check the name, age, gender, address, and other personal details in the policy schedule. Ensure the period of insurance is correct.
Don’t furnish any false information on the proposal form.
Don’t sign the proposal form without reading the terms and conditions.
Don’t hide any facts or material information like pre-existing conditions of the insured member.
Renewal
Keep track of the policy renewal date and renew the policy before the due date to enjoy continued benefits.
Pay the renewal premium within the 7-days grace period to avoid policy lapse.
Read the sum insured enhancement condition carefully before requesting for enhancement of sum insured.
Changes at the time of policy renewal have to be given in the form of written requests.
A receipt of the premium payment has to be kept under Indian Law
Don’t delay in policy renewal even by a day or else claim will be not be payable.
Cashless claim
Ensure the hospital falls under the network hospitals of the insurer to avail cashless facility.
In the case of a planned hospitalisation, the TPA has to be given prior intimation with the name and address of the hospital.
In the case of an emergency hospitalisation, the TPA has to be intimated immediately after admission.
The hospital has to send a duly-signed pre-authorisation request by the insured to the TPA. Admission details, illness, treatment, and expense have to be mentioned in the form.
Upon discharge from the hospital, pay the difference amount.
Pre and post-hospitalisation expenses can be claimed individually. In the case of post-hospitalisation claim, all original documents have to be submitted within 7 days to the TPA.
Don’t delay the submission of the documents required by the TPA or the insurer.
Reimbursement claim
In the case of reimbursement claims, the TPA has to be intimated within 24 hours of hospitalisation.
Obtain the discharge summary, investigation report, hospital bills, pharmacy bills, and prescriptions from the hospital at the time of discharge. The original documents have to be submitted to the TPA within 7 days of the discharge date.
Separate claims can be made for pre and post-hospitalisation expenses. All original documents have to be submitted within 7 days to the TPA for a post-hospitalisation claim.
Keep a copy of all the medical documents.
Don’t forget to disclose insurance details at the time of admission.
Don’t forget to read the pre-authorisation request form carefully before signing it.
Don’t hide facts to avoid facing a dispute at the time of making a claim.
Grievance
Write a mail to the policy issuing office regarding any complaint or grievance the policyholder may have with the services rendered by the insurer.
Approach the Regional Office or Head Office for redressal.
If the loss is below Rs.20 lakh and the policy is issued to an individual, the grievance can be escalated to the Honorable Ombudsman (if the policyholder is dissatisfied with the redressal carried out by the insurance company).
Don’t hide facts related to the complaint and the concerned members.
What are the discounts that can be availed under the Senior Citizen scheme?
A 5% discount is available on the total premium payable for at least one extra member.
What is the time period within which the health insurance policy can be renewed?
The United India Insurance policy can be renewed from thirty days prior to the date of expiry of the policy up until the actual expiry date of the policy.
I am unable to renew my United India health insurance. Why? – uiic policy renewal
Inability to renew policies of health insurance of United India Insurance would occur in the following scenarios –
In the event that the insured is over the age of 60 years
If the insured has any critical illness, then the proposal will be subject to internal approval
Who is the third party administrator for United India Insurance policies?
The third party administrator for the United India Insurance policies that are bought online is Vidal Health TPA whose headquarters are in Bangalore.
I have not received my health card after taking the United India Insurance policy online. What should I do?
Contact your health insurance provider at the earliest because the health card is a mandate for making cashless claims. Your health card is also your proof that you are covered under a United India insurance policy.
Is it possible to modify an existing policy by including additional persons?
Yes, including additional persons in an existing United India Insurance policy is possible in the event that –
The original policy was bought online.
The policy is taken care of by the online team of United India Insurance.
The policy starts with digits other than, 311101 or 011101, then modification of those policies can only be done by the corresponding branch and online requests cannot be honored.
My United India health insurance policy is about to expire. What should I do?
You must renew your United India health insurance policy before the date of expiry. In the event that the policy is not renewed, the continuity of the cover will be lost, if not renewed within seven days from the stipulated due date of the renewal.
If you do not renew your health insurance during the time frame allotted, you risk losing all the continuity benefits under the health policy.
I have been covered under the United India Family Medicare policy for 2 years now. Am I eligible for any discounts?
Yes, United India health insurance offers discounts to policyholders of Family Medicare policies as well as Family Medicare 2014 policies in the following circumstance- United India health insurance offers a discount rate between 3%-15% on the renewal premium. This discount is applicable after you have completed three claim-free consecutive years as a United India health insurance policy holder. Post completing three years of no claim the discount will be applicable annually.
I am a policyholder of the United India Gold health insurance policy. I would like to like to add my wife as an additional member. Are there any discounts applicable for this?
Yes, persons insured under the United India health insurance policies such as Gold, Platinum and Senior Citizen are offered a 5% deduction on the total premium of the existing policy upon the addition of a family member.
How to carry out United India Health Insurance online renewal? – united India insurance online
Go to the ‘Health Insurance’ tab on the website, click on ‘Renew health insurance policy’, and enter the 20-digit policy number. Health insurance policy will be available for renewal 30 days before the expiry date. Update the customer ID for successful completion of the policy renewal process. Pay the renewal premium using netbanking, credit card or debit card.
What is the customer care number of United India Health Insurance?
For any policy-related queries, contact toll-free number 1-800-425-33333 from Monday to Friday between 10:00 am to 5:45 pm. Queries can also be mailed to customercare@uiic.co.in.
How locate United India Health Insurance network hospital?
The list of network hospitals of United India Insurance can be found the insurer’s website. The list can be downloaded from the website in pdf format. Click on the ‘Contact Us’ tab and go to PPN Network Hospitals tab for the list of network hospitals in each state.
How to carry out United India Health Insurance customer login?
Registered customers can log into the United India Health Insurance web portal using their valid username and password.
