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Insurance Companies 27799 views November 26, 2019
|Name||United India Insurance Co. Ltd.|
|Company Tagline||Rest Assured with us|
|Headquarters||Chennai, Tamil Nadu, India|
|Owner||Government of India|
|Products||Health, Motor, Marine, Fire, Personal Accident Insurance|
|Total No of Employees||17361(Approx.)|
|Total No of Policy Holders||10 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.
Table of Contents
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:
The plan comes with the following basic covers
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.
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 Lakh||INR 500 per day, with the maximum being INR 5,000 per policy period|
|Above 5 -15 Lakh||INR 1,000 per day, with the maximum being INR 10,000 per policy period|
|Above 15-25 Lakh||INR 2,000 per day, with the maximum being INR 20,000 per policy period|
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:
You’ll get coverage against the following medical expenses under this policy –
Under this policy, you’ll get coverage against the following expenses incurred during the policy term.
With this top-up plan, you can enhance the coverage of your base health insurance plan. The plan comes with the following features –
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.
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.
This policy provides financial protection to the employees of an organization or company against the following medical expenses:
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 –
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.
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.
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.
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:
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:
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.
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.
A wide range of policies is offered. They are:
A few of the microinsurance plans are as follows.
Few of the Industrial Insurance plans are as follows.
This plan covers all liabilities that prove to be a huge monetary loss for the insured. Some of them are as follows.
Some of the Marine Insurance plans offered by the company are-
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.
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.
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.
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
visit the link https://portal.uiic.in/GCWebPortal/PolicyDocument/PolicyDocumentActionFirst.do and enter your transaction ID/policy number.
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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