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Everything about United India Health Insurance Plans

By Juhi Walia
30 September 2022, 10:41 AM

Health insurance is now required for everyone in India. It offers risk protection against financial outlays brought on by unplanned medical emergencies. Lack of adequate health coverage can be financially costly in today's environment of rapid medical inflation. However, in urban India, there is a growing awareness of health insurance. In this article, we will go through the specifics of the health insurance plans offered by United India Health Insurance Company.

About United India Health Insurance

One of India's most popular insurance companies, United India Insurance Company Limited, has a strong international presence. It was founded as a company in 1938 and was successful in nationalising itself as a General Insurance Business in 1972. Later, it was amalgamated with 12 Indian insurance firms, the Indian operations of 5 foreign insurers, four cooperative insurance societies, and the general insurance activities of Life Insurance Corporation of India's southern area.

The firm now has more than 14,000 employees, who operate in 1,992 offices and provide insurance to its 1.74 crore subscribers. To fulfill the healthcare demands of various consumer groups, The United India Health Insurance offers a comprehensive range of cutting-edge insurance products, including individual plans, senior citizen health insurance plans, family floater health insurance plans, critical illness insurance, top-up plans, and group health insurance plans. The insurer has been incredibly developing by offering excellent products and customer service.

Top United India Health Insurance Plans

The policyholders of United India Insurance Company are protected from any medical costs that could be incurred in the course of treating any disease or accident. The United India Health Insurance offers the following top health insurance plans:

  1. Family Medicare 2014 Policy: A family can receive medical coverage under the Family Medicare 2014 health insurance plan for a single insured amount. Everyone between the age of 18 to 80 is eligible to subscribe to this plan. This plan proposes the sum insured amount varying from INR 2 lakh to INR 10 lakh per family. This plan includes a yearly insurance term and several benefits, including coverage for professional advice, in-patient hospitalisation fees, ayurvedic therapy, childcare procedures, and pre and post-hospitalization expenditures.
  2. Individual Health Insurance Policy: Both individual and family packages of health insurance are available through the Individual Health Insurance Policy. This insurance is broken up into three plans: the Platinum Plan, the Gold Plan, and the Senior Citizen Plan. The age of the proposer under each of these plans can vary from 18 to 65 years old, and the sum insured is between INR 2 lakh and INR 20 lakh. Individual health insurance also provides coverage for a variety of hospitalisation costs, including in-patient medical costs, pre and post-hospitalization fees, in-home hospitalisation, childcare operations, Ayurveda therapy, and others.
  3. UNI Criticare Policy: A critical illness policy known as the UNI Criticare Policy covers 11 distinct critical diseases like cancer, heart attacks, coma, renal failure, stroke, etc. According to this insurance plan, the insurer will provide the insured individual with a lump sum payment as compensation if they are identified as having one of these serious diseases. This insurance coverage is available to those between the ages of 21 and 65. It has a lifelong renewability feature and a sum insured value that ranges from INR 1 lakh to INR 10 lakh. The insurance has a waiting period that lasts 90 days from the policy's start date and a surviving period that lasts 30 days from the diagnosis date.
  4. Super Top-up Medicare Policy: After the threshold level of the policyholder's insurance is crossed, the Super Top-Up Medicare Policy pays hospitalisation costs up to the selected sum covered. It is a plan that provides you additional protection at a reasonable price. However, regardless of whether the policyholder already has a policy or not, it is offered on an individual as well as a family floater basis and can be acquired. The plan's proposer may be aged between 18 and 80, and the quantity insured varies from INR 3 lakh to INR 15 lakh.
  5. Revised Super Top-Up Medicare Policy: When an insured individual is hospitalised for a longer time than the policy amount insured or threshold limit allows, the Revised Super Top-Up Medicare Policy provides coverage for the additional total hospitalisation costs. This plan comes with the sum insured of INR 3 lakh to INR 75 lakh. You may obtain additional health care protection with this plan for a fair price. Regardless of whether you have health insurance or not, you can buy it. People between the ages of 18 and 65 can purchase the policy, which is offered both as an individual policy and a family floater health insurance policy.
  6. Workmen Medical Plan: This insurance plan is set up to give your workers medical coverage while they work for your company. This plan offers a quantity insured ranging from INR 50,000, INR 1 lakh to INR 1.5 lakh for any healthcare costs incurred as a result of a sickness or accident. Typically, contractors and factory owners purchase this form of health insurance coverage for their staff.

Renewal Procedure for United India Health Insurance Policies

  1. Log in to the company's website.
  2. There, choose the "Renew Now" option.
  3. Enter your policy number and click on Next.
  4. Follow the link that directs to a secure payment page.

Note: You can make payment via any electronic mode, including net banking, credit cards, debit cards, or both.

Cashless Claim Procedure for United India Health Insurance

Follow these steps to file a cashless claim with United India Insurance Company:

Step 1: Notify the Insurer

In the event of planned hospitalisation, notify United India Insurance Company or the Third Party Administrator (TPA) at least 72 hours in advance, and in the event of emergency hospitalisation, notify them within 24 hours of admission.

Step 2: Request for Pre-Authorization

At the network hospital's assistance desk, provide the ID card for your health insurance, which was issued by the TPA or insurance company. Get the cashless request form from the network hospital, fill it out, and submit it to TPA for approval.

Step 3: Documents Verification

Upon receiving the cashless request form and pertinent medical information from the policyholder or network provider, the TPA or insurance provider will, after careful verification, issue a pre-authorization letter to the hospital.

Step 4: Claim Approval

They may also request further papers if the TPA or the insurer's health insurance claim settlement team needs additional information. They do, however, have the right to decline requests if they deem the supporting documentation or information incomplete or inaccurate.

Step 5: Settlement of Claim

The network hospital will then submit its last request together with the entire hospital cost. The insurance company pays for the medical bills after taking into account any co-payments, ineligible charges, or other deductions.

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1. How can I view the details and status of my United India Insurance Family Medicare Policy?

To learn more about the United India Insurance Family Medicare Policy Details & status, simply visit the website.

2. How can I check the date when my coverage started?

If your health insurance is provided by your employer, you may log in to their website and search for the active date, that is the day your coverage began.

3. How may I check if my health insurance claim has been processed?

You can do so just by signing in to your health plan account, or you may also phone the number on your member ID card.

4. How do I pay the premium for United India Insurance? What types of payment methods are available?

You can pay insurance premium via:

  • Cash
  • Credit Card
  • Debit Card, or 
  • Netbanking

5. What is the United India health insurance policy termination procedure?

A written notice to the insurance company must be provided by the customer to cancel the policy.

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