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10 Reasons you must Choose United India Health Insurance

By Vikas Chandra Das
10 October 2022, 4:10 PM

With health insurance becoming necessary, it’s crucial to be insured by a reliable company registered with the IRDAI, along with a host of benefits you like the most. United India Health Insurance is one of those, with a wide range of plans for individuals and families. Considered one of the frontrunners in the health insurance industry, the insurer endeavours to provide its customers with the best coverage at competitive premium prices. The insurer also boasts of high CSR and hordes of other benefits. Here are the top 10 of those.

1. Wide Range of Plans

United India Health Insurance has amassed a sizable customer base across the country thanks to its dependable and affordable plans. With a Pan India presence, the insurer offers policies with remarkable characteristics and benefits. The range of sum insured is also vast, beginning at INR 3 lakhs and going up to INR 10 lakhs. After that, one can also get coverage to INR 15 lakhs, INR 20 lakhs and INR 25 lakhs.

These plans are:

  • Individual Health Policy
  • Family Medicare Policy
  • Family Medicare 2014 Policy
  • Arogya Sanjeevani
  • Corona Kavach Policy
  • Top-up Plan
  • Super Top-up Policy
  • Senior Citizen Plan
  • UNI Criticare Health Insurance
  • Uni Group Insurance Policy
  • Personal Accident Policy
  • United Shramik Seva Policy

2. Reliable and Renowned Name

Established in 1938 and nationalised in 1972, the general insurance provider has strengthened its national footprint by growing its distribution network. With nearly 2,000 offices, it presently serves a clientele of over one crore people with a range of insurance products. The company’s key strength is its capacity to provide solutions that address the needs of a wide range of clients, whether corporate or rural, in terms of financial protection. The insurer also caters to the lower socio-economic groups through its micro-offices in more than 200 towns. To that end, their policies combine low prices with high coverage to address the needs of Indians.

3. No Claim Bonus (NCB)

Policyholders can take advantage of NCB at the time of health insurance renewal when UII offers a discount of 3% to 15% on the premium on almost every plan. The first discount is awarded after three consecutive claim-free years and, after that, annually. 

4. Free Medical Check-up

United India offers its customers free medical check-up facilities at regular intervals. As part of the preventive health check-ups, policyholders can avail of the entire health packages, which include tests such as HIV, scanning, a complete blood analysis, and other basic tests.

5. Comprehensive Medical Coverage

Almost all the plans cover every aspect of medical care, including room rent, hospitalisation costs discounts, ICU and operation theatre fees, nursing costs, blood and oxygen expenses, etc. Policyholders also have other add-on benefits at their disposal. 

6. Cashless hospitalisation (Pre and Post) Coverage

With its vast network of cashless hospitals, United India ensures high-quality medical care if you’re after a reliable cashless health insurance policy. Apart from taking care of the medical expenses at the time of hospitalisation, the policies also cover costs incurred before hospitalisation, such as doctor visits, lab tests, diagnostics, etc. The coverage is available for a maximum of 30 days. It also pays for 60 days of treatment post-hospitalisation, including follow-up consultation with the doctor, tests and more. 

7. Ayush Treatment and Advanced Treatments

United health insurance also covers alternative treatments if the patient is brought to government facilities. Besides, if a doctor prescribes a modern or advanced treatment, the policy covers inpatient hospitalisation and daycare procedure coverage. 

8. Daycare Treatment Cover

The insurance pays for daycare treatment for an illness or injury during the policy period if it requires procedures under modern or advanced technology. 

9. Donor Expenses Cover and Organ Donor Benefits

United India pays the in-patient hospitalisation medical costs incurred for an organ donor’s care during the policy period to harvest the given organ. It does not cover the screening process, pre-hospitalisation or post-hospitalisation that the organ donor incurs or directly or indirectly related to purchasing the donated organ. If the insured person donates an organ, they are entitled to a lump sum payment of 10% of the insured amount to cover medical and other costs as long as the donation complies with the applicable laws, rules and regulations of human organ transplantation.

10. Easy Online Purchase, Renewal and Claim

A customer can easily buy any health insurance plan online, as the service is accessible 24/7. Claim submission and policy renewal can also be done through its website quickly and conveniently. Customer care services are also available to policyholders around-the-clock no matter what support they seek in the health insurance policy ambit. 

Read more - 10 Ways You Can Select the Best Health Insurance Plan for Yourself


With an array of plans tailored for different segments of the country, including urban, rural, and lower socio-economic groups, United India offers affordable premium amounts and many health insurance benefits. With a robust network of hospitals, AYUSH treatment, daycare and more, this reliable and renowned provider can be your go-to option for health insurance needs, whether for diseases or personal accidents. Read the policy document wording thoroughly, be informed about the exclusions and other caveats, and you will be in good hands. 

Read more - 10 Reasons Why Should You Buy Health Insurance Early in India


1. Do United India health insurance policies offer tax benefits?

Yes, all the plans are eligible for tax benefits under Section 80D of the Income Tax Act. 

2. Does the insurance provide ambulance cover? If yes, how much?

Yes, road ambulance cover is payable up to 0.5% of the sum insured (max INR 2,500) per hospitalisation and 1%, up to INR 5,000 in a policy year.

3. Which modern and advanced treatments are included?

United India insurance policies include coverage for uterine artery embolisation & high-Intensity focussed ultrasound (HIFU), immunotherapy, balloon sinuplasty, deep brain stimulation, robotic surgeries, stem cell therapy and others.

4. What are the other health insurance add-ons/riders available?

Add-ons include the following with some conditions that you must read thoroughly:

  • Complete restoration of the sum insured – If the policyholder exhausts the primary cover, the policy instantly and automatically restores the 100% amount. 
  • Maternity cover – Medical expenses for delivery (including C-section) or lawful medical termination of pregnancy when the sum Insured is INR 3 lakhs+. It also includes a newborn baby cover. 
  • Daily cash allowance - If the insured customer is in the hospital for at least 24 hours, the policy provides a daily cash allowance.

5. What are the sub-limits?

Sub-limits mean the extent to which you get covered. Here are sub-limits of United India Family Medicare Policy for some treatment and diseases. The sub-limit for cataract surgery is 10% of the sum insured (maximum of INR 50,000) per eye. Mental illness cover limit includes in-patient hospitalisation up to 25% of the sum insured (up to INR 3 lakhs) per policy year. 

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