United India Health Insurance
United India Insurance Company Limited is one of India’s oldest government-owned insurers, established in 1938. It ...Read More
The headline features and policy mechanics, at a glance.
Coverage scales from entry-level individual plans to high-end family-floater protection.
Direct billing at network hospitals across 1537 presence — no out-of-pocket payment at admission.
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
Choose from individual, family floater and senior-citizen variants to match your household.
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
United India Health Insurance is one of the oldest health insurance companies aiming for citizens' well-being. The company offers various insurance products that cover tier 1, 2, and 3 areas.
| Cashless Claim Settlement | 24 hours |
|---|---|
| Minimum Entry Age | 3 months |
| Maximum Entry Age | 65 years |
| Sum Insured | Upto Rs. 95 Lakh |
| Network Hospital | More than 14000 |
| Tax Benefits | Upto Rs. 1 Lakh |
| Solvency Ratio (2021-22) | 0.82 % |
| Claim Settlement Ratio (2023-24) | 91.90 |
| Ambulance Expenses | Covered |
| Coverage for Accidents | Yes |
United India health insurance plans are cost-effective, this makes their policies open to even lower-income groups of the society.
The company has designed plans to cover many critical illnesses. These treatments are generally heavy on the pocket. UNI Criticare by United India Medical Insurance provides coverage for almost 15 critical illnesses with a 90-day waiting period.
The company has orchestrated all-inclusive policies. They Provide coverage for death, total disability, partial disability and many illnesses. Plans like UNI Group Health Insurance Policy even cover the loss of pay.
United India health insurance plans also cover many new treatment techniques, which hastens the treatment process. For example, the United Super Top-Up Medicare Policy covers robotic treatment techniques.
The company has an impressive 24*7 online help desk, and they can quickly address your concerns.
United India medical insurance provides many discounts, for adding family members. The company also offers a No Claim Bonus for every claim-free year.
Almost every plan of United India Health Insurance covers spouses and dependent children. Even the policyholder can add parents-in-law, which makes their plans robust.
Select a sum insured option below to compare health plans matching your coverage need.
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
This video talks about United India Health Insurance in detail. It talks about the Solvency Ratio, and Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer.
Every plan currently being sold by United India Health Insurance, shown side-by-side so you can shortlist quickly.
A cost-effective insurance option is the United India Insurance Family Medicare Policy. Anybody between 18 and 65 can get this insurance fo…
The standard inclusions and exclusions across United India Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
For policy purchase and claim submission. Have these ready before you start.
When specific benefits become claimable after policy start.
This waiting period is experienced in the first 30 days from the policy commencements. You cannot file for a claim except for emergency hospitalization due to an accident.
As per IRDAI, pre-existing diseases are diseases that are diagnosed 48 months before you buy a health insurance plan. Diseases like diabetes, thyroid, hypertension, etc are some of the diseases in which waiting periods might occur.
This type of waiting period occurs for a few diseases like cataracts, ENT disorders, joint replacement surgery, mental illness, etc. The waiting period for these diseases can be up to 24 months depending on the type of plan you choose.
Maternity benefits usually start after 1 to 4 years of waiting period after buying health insurance. However, it depends upon the policy. So, you need to plan your family accordingly.
Today, many policies provide coverage for mental illness but you can avail claim after a specific time. Usually, the waiting period for mental illness coverage is 1 to 4 years.
Find a United India Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking forward to purchasing United India Health insurance online follow the simple steps below:
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Click on 'Get free quotes' and compare United India Health Insurance Plans as per your needs.
Select and pay premiums online for the purchased United India health insurance plan of your choice.
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your United India Health Insurance plan.
You can file for cashless as well as reimbursement claims for your United India Health Insurance Plans by following these easy steps:
Visit the website of United India Health Insurance, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.
Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
Upload the documents asked and click on the "review" button.
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.
Follow the steps for United India Health Insurance policy renewal
Visit the official website of United India Health Insurance Company
Click on the ‘Renew’ tab
Mention your ‘Policy Number’ and ‘Date Of Birth’
Connect with our insurance experts for United India health insurance policy renewal at 1800 - 4200 - 269
To port your existing policy to United India Health Insurance, follow the steps mentioned below:
Fill out the portability form, and send the application to United India Health Insurance Company 45 days before the date of your existing health plan renewal.
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.
Compare and calculate the best health policies with the PolicyX premium calculator with these simple steps:
Visit the official website of 'PolicyX'
Fill in details such as name, number of family members to be covered, city, and other information
Click on 'Get Quotes'
P.S - Connect with PolicyX health insurance experts for United India health insurance policy premiums enquiry at 1800-4200-269
The 13 most-asked questions about United India Health Insurance, answered.
Pick any two insurers to see a detailed side-by-side comparison.
Compare United India Health Insurance mediclaim policies with other top insurers in India.
Aggregate ratings from 2,694 verified PolicyX customers who bought a United India Health Insurance plan.
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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