Insurance Companies 28031 views November 26, 2019

United India Insurance

Company Overview

NameUnited India Insurance Co. Ltd.
Company TaglineRest Assured with us
Founded1938
HeadquartersChennai, Tamil Nadu, India
OwnerGovernment of India
Serving CountryIndia
ProductsHealth, Motor, Marine, Fire, Personal Accident Insurance
Total No of Employees17361(Approx.)
Operating income3Billion
Total No of Policy Holders10 Million

United India is a well-known government-owned general insurance company in the country with more than 10 million policyholders. It offers a wide range of insurance products that fit the requirement of each customer and different sections of the society. The Gross Domestic Premium for 2018-19 is 16,385 crores. Once the general insurance business in India was nationalized, 12 Indian Insurance Companies, 4 Co-operative insurance societies and the Indian operations of 5 Foreign insurance companies besides the operations of the southern region of LIC were merged with United India Insurance Company Limited.

Health Insurance

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Products offered by Company

1. United India Health Insurance Plan

Company has a vast range of health insurance products that cater to individuals, families as well as senior citizens. These health insurance plans assure you to be tension-free in such times of distress by covering the financial burden caused due to accidents, illness and hospitalization. The different health insurance plans offered are as below:

  1. Family Medicare
  2. Individual Health Insurance Policy (Gold & Platinum)
  3. Senior Citizen Health Insurance Policy
  4. Super Top-up Medicare Policy
  5. Top up Medicare Policy
  6. UNI Criticare Health Plan
  7. Workmen Medicare Policy

Features & Benefits of Family Medicare

The plan comes with the following basic covers

  • In-patient Hospitalization
  • Pre and post-hospitalization Expenses
  • Day Care Treatment
  • Cover for Organ Donor Expenses
  • Cover for Road Ambulance
  • Health check-up Cost
  • Modern Treatment Methods & Advanced Technologies

Sum Insured Options Available – INR 3 Lakh, INR 4 Lakh, INR 5 Lakh, INR 6 INR Lakh, INR 7 Lakh, INR 8 Lakh, INR 9 Lakh, INR 10 Lakh, INR 15 Lakh, INR 20 Lakh & INR 25 Lakh.

Optional Covers Upon Payment of Additional Premium

  • Sum Insured Restoration
  • Daily Cash Allowance on Hospitalization
  • Cover for Maternity Expenses and Newborn Baby

Let’s talk about these covers individually.

In-patient Hospitalization cover – It will include the following –

Room Rent, Boarding and Nursing Expenses are covered up to a certain percentage of the sum insured.

If the sum insured is less than INR 5 lakh, room rent will get covered up to 1% of the said amount per day.

In case the sum insured is INR 5 lakh and above, the higher of 1% of the sum insured or single occupancy standard air-conditioned room charges.

Accommodation in Intensive Care Unit (ICU) or Intensive Care Cardiac Unit (ICUU) is covered up to 2% of the sum insured of less than INR 5 lakh, on a daily basis. In case the sum insured is INR 5 lakh and above, the actual cost of accommodation will get covered.

Cataract Surgery is covered up to 10% of the sum insured, with the maximum coverage being INR 50,000 per eye.

Cover for mental illness is provided up to 25% of the sum insured. The maximum cover the same is restricted to INR 3 lakh per policy year.

Pre and Post-hospitalization Expenses – United India Insurance will reimburse these expenses for a specified number of days. Expenses incurred for up to 30 days before and up to 60 days after hospitalization will be covered by the company.

Day Care Treatment Cover – Due to technological advancements, some treatments take less than 24 hours to complete. These are called day care treatments for which you will get covered by the insurer.

Organ Donor Expenses – United India Insurance will cover the in-patient hospitalization expenses related to organ donor. Pre and post-hospitalization expenses regarding the same will not be covered.

Even screening expenses of the donor, costs directly or indirectly related to buying the organ of the donor, experimental or investigational transplantation of organ, organ transportation or preservation expenses will not be covered.

Road Ambulance Cover  is 0.5% of the sum insured for a maximum of INR 2,500 per event and 1% of the sum insured for up to INR 5,000 per policy period.

Health Check-up – Expenses regarding the same are covered up to 1% of the average sum insured for preceding three years, up to INR 5,000 per person in case of individual policies.  In case of family floater plans, the limit goes up to INR 10,000 per policy period for a block of every three claim-free years. However, the coverage will apply only when you get checked up at any of the company-authorized network hospitals/diagnostic centres.

Let’s talk about optional covers too

Sum Insured Restoration – Frequent claims can exhaust your sum insured and leave you with nothing to deal with medical emergencies if they do occur in the future. Thankfully, United India offers the sum insured restoration facility that helps ease such concerns.

With this facility, you can recover the exhausted sum insured based on fulfilling certain conditions as laid down by the insurer. The sum insured you want to restore is for illnesses other than the ones for which the claims have been made. Secondly, a single claim in a policy year is restricted to up to basic sum insured. Further, the restoration is allowed only once during the policy year for family floater policy. In case of plans with individual sum insured basis, restoration happens for each members individually in a policy year.

In case you don’t use the restored sum insured, you can’t get it carried forward to the subsequent year. Automatic restoration also happens when the sum insured is INR 3 lakh or above.

Maternity Expenses and Newborn Baby Cover – Expenses related to in-patient delivery including caesarean section or lawful medical termination of pregnancy are covered up to two deliveries during the policy period. However, this benefit applies only when the sum insured exceeds INR 3 lakh. Whereas expenses incurred on newborn baby are covered from Day 1 to 90 days of age.

Daily Hospital Cash Allowance United India Insurance will pay this allowance to the insured individual for every continuous and completed 24 hours of hospitalization. The table below shows how the allowance is admissible under the policy.

Sum Insured (In INR)Daily Limit
Up to 5 LakhINR 500 per day, with the maximum being INR 5,000 per policy period
Above 5 -15 LakhINR 1,000 per day, with the maximum being INR 10,000 per policy period
Above 15-25 LakhINR 2,000 per day, with the maximum being INR 20,000 per policy period

Individual Health Policy Features & Benefits

This policy is available to persons aged between 18-65 years and comes in three variants:

Platinum: INR 2 Lakh, INR 3 Lakh, INR 5 Lakh, INR 8 Lakh, INR 10 Lakh, INR 15 Lakh, INR 20 Lakh

Gold: INR 2 Lakh, INR 3 Lakh, INR 5 Lakh, INR 8 Lakh, INR 10 Lakh

Senior Citizen: INR 2 Lakh, INR 3 Lakh, INR 5 Lakh

Under this policy, you’ll get coverage against the following:

  • In-patient Hospitalization Expenses
  • Domiciliary Hospitalization
  • Pre and Post-hospitalization Expenses up to 30 and 60 days, respectively
  • Cost of Health Check-up
  • Modern Treatments
  • Optional Covers
  • Road Ambulance Cover
  • Daily Cash Allowance on Hospitalization

Arogya Sanjeevani

You’ll get coverage against the following medical expenses under this policy –

  • Hospitalization Expenses
  • AYUSH Treatment
  • Cataract Treatment
  • Pre and Post-hospitalization Expenses up to 30 and 60 days, respectively
  • Modern Treatments
  • Sum Insured Options Available: INR 1 Lakh, INR 1.5 Lakh, INR 2 Lakh, INR 2.5 Lakh, INR 3 Lakh, INR 3.5 Lakh, INR 4 Lakh, INR 4.5 Lakh, INR 5 Lakh.

Corona Kavach

Under this policy, you’ll get coverage against the following expenses incurred during the policy term.

  • COVID Hospitalization Expenses
  • Home Care Treatment
    AYUSH Treatment
  • Pre-hospitalization expenses up to 15 days
  • Post-hospitalization Expenses up to 30 days
  • Sum Insured Options Available : INR 50,000, INR 1 Lakh, INR 1.5 Lakh, INR 2 Lakh, INR 2.5 Lakh, INR 3 Lakh, INR 3.5 Lakh, INR 4 Lakh, INR 4.5 Lakh, INR 5 Lakh.

Super Top Up Medicare Policy

With this top-up plan, you can enhance the coverage of your base health insurance plan. The plan comes with the following features –

  • In-patient Hospitalization Expenses
  • Ayurvedic treatment
  • Modern Treatments
  • Sum Insured Options Available: INR 3 Lakh / INR 5 Lakh with deductible INR 2 Lakh, INR 3 Lakh / INR 5 Lakh / INR 7 Lakh with deductible INR 3 Lakh
    INR 5 Lakh / INR 10 Lakh / INR 15 Lakh with deductible INR 5 Lakh

UNI Criticare

The policy comes with sum insured options of INR 1 Lakh, INR 3 Lakh, INR 5 Lakh and INR 10 Lakh to cover the following critical illnesses:

1) Cancer of Specified Severity
2) First Heart Attack – of specified severity
3) Open Chest CABG
4) Heart Valve Replacement
5) Coma of Species Severity
6) Kidney Failure
7) Stroke resulting in permanent Symptoms
8) Major Organ/Bone Marrow Transplant
9) Multiple Sclerosis
10) Motor Neurone Disease with Persisting Symptoms
11) Permanent Paralysis of Limbs

This policy has a waiting period of 90 days starting from the date of inception of the policy, and the benefit is payable only if you survive for 30 days from the date of diagnosis.

United Shramik Seva Policy

All employer or employee groups can buy this policy for a minimum of 7 employees. Group members aged between 18 years and 65 years are covered under this policy, and the sum insured options are – INR 1 Lakh, INR 2 Lakh, INR 3 Lakh, INR 4 Lakh, INR 5 Lakh.

UNI Group Health Insurance Policy

This policy provides financial protection to the employees of an organization or company against the following medical expenses:

  • In-patient Hospitalization Expenses
  • Day Care Treatment
  • Pre and Post-hospitalization Expenses
  • Donor Expenses
  • Road Ambulance
  • Domiciliary Hospitalization

United India Motor Insurance Plan

United India Insurance provides you with a Motor Package & Liability Only Policy. Under this policy, you can cover cars, two-wheelers and commercial vehicles excluding vehicles running on rails. You’ll get coverage against the following under this motor insurance:

Section I (Own Damage – OD) of Package Policy – The insurer covers losses or damages to the vehicle caused due to –

  • Accident
  • Fire
  • Self-ignition
  • Lightning
  • Burglary housebreaking or theft
  • Terrorist activity
  • Riot Strike and Malicious Damage
  • Earthquake
  • Flood cyclone and Inundation
  • While in transit by railroad air elevator lift or inland waterways
  • Landslide or work slide

Section II ((Liability) of Package Policy: The insurer covers the bodily injury or death of the third party and damage to the property up to the sum insured as specified in the policy document.

United India Personal Accident Insurance

The insurer provides you access to the following insurance plans, so you can get financially secured in case of an accident –

Personal Accident Policy: Here, the insurer shall cover death, permanent total disablement, permanent partial disablement, temporary total disablement arising out of accidental injury.

Road Safety Package Policy: The insurer shall provide coverage against death, total loss of two limbs or two eyes, total loss or one limb and one eye, total loss of one limb or one eye, permanent total and partial disablement arising out of an accident.

UNI Medicare Policy: The insurer shall reimburse the hospitalization expenses of illness/diseases or injury sustained during the policy period.

United India Overseas Travel Insurance

If you are worried about the unfortunate event that can happen during travel such as loss of baggage, illness/injury, etc, buy any of the following travel insurance from United India Insurance and stay free of worries.

  • OMP for Business & Holiday
  • OMP for Corporate Frequent Traveller
  • OMP for Employment & studies

United India House Holders Policy

The insurer will cover any loss/damage to the building and its contents during the policy period. Under this policy, you’ll get financial protection against the following:

  • Fire
  • Lightning
  • Acts of God
  • Riot and Strike
  • An explosion of gas in domestic appliances
  • Overflowing water tanks
  • Burglary, Housebreaking and Theft
  • Losses/damages you were on travel
  • Any accidental loss/damage due to electrical/mechanical breakdown

United India Travel Insurance Plan

United India Travel Insurance plans to protect the insured from unfortunate and unforeseen incidents or other losses that may take place during his or her travel abroad. The travel may be for a vacation, business work, visiting people or even going abroad for education. Two broad types of travel insurance policies are offered by United India company, they are:

  1. Overseas Travel Insurance Plan
  2. Domestic Travel Insurance Plan

United India Personal Accident

Accidents are sudden situations that are unavoidable as it occurs at any given time to any person. The consequences of it led to washing away of a decade of hard-earned savings. United Insurance Personal Accident policy ensures you keep your savings intact and be less worrisome in distressing situations like these. Given below are the different types of personal accident plans.

  1. Road Safety Package Policy
  2. Personal Accident Policy
  3. Group Personal Accident Policy

United India Householder’s Insurance

House Insurance offered by United Insurance Company provides protection to the insured’s house by covering any damages or loss occurring to the structure of the house and belongings in the house due to undesirable situations like fire, theft or robbery, natural disasters, etc.

  1. House Holder Policy

United India Miscellaneous Insurance policies

A wide range of policies is offered. They are:

  1. Uni Study Care Insurance policy
  2. TV Insurance policy
  3. Students Safety Insurance policy
  4. Shopkeepers policy
  5. Plate Glass Insurance policy
  6. Lift Insurance policy
  7. Money insurance policy
  8. Gun insurance policy
  9. Film Production policy
  10. Directors and Officer’s policy
  11. Compact policy
  12. Bankers Indemnity policy
  13. All Risk policy

United India Micro Insurance plans

A few of the microinsurance plans are as follows.

  1. Dairy Package policy
  2. Bio-Gas Plant policy
  3. Floriculture Insurance
  4. Honey Bee Insurance
  5. Hut Insurance
  6. Kissan Credit Card
  7. Raja Rajeshwari Mahila Kalyan Yojana
  8. Sericulture Insurance
  9. Uni Micro Insurance policy
  10. Animal Driver cart/tonga policy

United India Industrial Insurance plans

Few of the Industrial Insurance plans are as follows.

  1. Boiler and Pressure Plant policy
  2. Contractor’s Plant and Machinery Policy
  3. Deterioration of Stock
  4. Electronic Equipment Policy
  5. Industrial All Risk policy
  6. Machinery Breakdown policy

United India Liability Insurance plans

This plan covers all liabilities that prove to be a huge monetary loss for the insured. Some of them are as follows.

  1. Public Liability policy
  2. Product Liability policy
  3. Professional Indemnity policy
  4. Workmen Compensation Insurance

United India Marine Insurance plans

Some of the Marine Insurance plans offered by the company are-

  1. Marine Hull
  2. Marine Cargo

These are some of the insurance plans offered by company. Other incredible plans include Shopkeepers insurance, Liability Insurance Plans, Credit Insurance Policy, Fire Insurance and Marine Insurance.

United India Insurance Customer Care

They deeply cares about its customers and wishes to address each complaint they have. To provide efficient solutions to all grievances, customers are provided with a toll-free number for contacting customer care support.United Insurance toll-free number is 180042533333. Working time 10 am to 5 pm from Monday to Friday.

FAQS

How to make a payment?

You can make a payment in two ways. The first is throughUnited India online payment and the second is an offline payment. The former method can be followed by making payment through debit card, credit card, internet banking or Bharat QR. The latter can be done by visiting the Insurance Company near you.

How to do United India Insurance online policy verification?

You can verify your policy online by clicking on the link given below and entering your policy number accurately.https://portal.uiic.in/GCWebPortal/tb/PolicyVerification.do

How to download Insurance policy by policy number.

visit the link  https://portal.uiic.in/GCWebPortal/PolicyDocument/PolicyDocumentActionFirst.do and enter your transaction ID/policy number.

How to check United India Insurance company claim status?

You can conveniently check your insurance claim status online visiting official website. You need to provide details such as claim intimation details, health card number, network hospital name, exact city and state of treatment undertaken, Pincode, etc.

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