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United India General Insurance

Incorporated on 18th February, 1938 and nationalized in 1972, United India Insurance Company Limited, ever since nationalization, has grown its network across India with 1340 offices and 18300 employees.
Headquartered at Chennai, United India Insurance, at present, provides insurance cover to over 1 crore policyholders.


Plans offered by United India General Insurance

United India health insurance has a diverse range of insurance solutions to meet the protection needs of both urban and rural customers.

    Plan Name : Individual Mediclaim

      About the Plan:

      An individual health insurance plan by United India Insurance, this can be extended to cover your family members as well. The policy will provide cover against accidental injuries, diseases and other treatments.

      • You have the flexibility to choose your Sum Assured i.e. the amount your United India health insurance policy will pay you in the event of a claim. You can also increase your Sum Assured at the time of policy renewal.
      • Cumulative Bonus - For every claim free year, the Sum Assured will increase by 5%, subject to a maximum accumulation of 10 claim free years in an active insurance policy.
      • You are reimbursed for the cost of medical checkups up to a maximum of 1% of the amount of average Sum Assured. This reimbursement is given once at the end of every block of four policy years, provided there are no claims during this period.


          You will be covered for -

          • In-patient hospitalization including room rent, ICU charges, medical practitioner expenses, treatment and other similar charges.
          • You get pre-hospitalization expenses up to 30 days, post-hospitalization expenses up to 60 days.
          • Hospitalization expenses of organ donor are also covered.
          • You get cover for domiciliary hospitalization as well.
          • Specified day care procedures and major surgeries are covered.
          • Ayurvedic treatment at a government-approved centre is also covered.

              Plan Name : Family Medicare

                About the Plan

                • Family Medicare health insurance by United India is a family floater plan which covers self, spouse and dependent children. The entry age for the plan is from 18 to 80 years; also, children aged 3 months are covered if at least one parent is covered under the policy.
                • For this United India health insurance policy, you can choose a Sum Assured between ₹ 1 to 5 lakhs in increments of ₹ 50,000, and ₹ 5 to 10 lakhs in increments of ₹ 1 lakh. This Sum Assured can be increased at the time of renewing the policy.
                • Medical screening is required for those above 45 years of age.
                • No-claim discount between 3% - 15% will be given on renewal premium. First discount is awarded after 3 successive claim-free years, and annually thereafter.


                    You and your family will be covered for-

                    • In-patient hospitalization expenses including room rent, nursing charges, ICU charges, medical practitioner fees, consumables, supplies, OT and other required rooms, etc. with limit of the Sum Assured chosen by you.
                    • Expenses incurred for hospitalization of organ donor(s) are covered.
                    • You get pre-hospitalization expenses for up to 30 days, post-hospitalization expenses for up to 60 days.
                    • Cover for major surgeries and day care procedures as listed in the policy wordings
                    • Cover for Ayurvedic treatment that you undergo at a government-approved centre
                    • Medical checkup costs are reimbursed up to 1% of the average chosen Sum Assured after 3 prior claim-free years

                        Add-on Covers

                        You can get these add-on covers on payment of extra premium.

                        • Ambulance Cover: Get ambulance transportation on payment of an additional premium of ₹ 100 for expenses up to ₹ 2, 500
                        • Daily Cash Allowance: Get a lump sum amount on a daily basis during hospitalization on payment of additional premium: -
                          • ₹ 150 for expenses up to ₹ 2, 500, or
                          • ₹ 300 for expenses up to ₹ 5, 000

                          Plan Name : UNI Criticare

                            About the Plan

                            This plan is a pure critical illness cover which covers specific critical illnesses, such as first heart attack, renal failure, multiple sclerosis, etc. This cover is subject to a survival period of 30 days from the date the illness has been diagnosed.

                            • The policy comes with a range of Sum Assured options of ₹ 1 lac, ₹ 3 lacs, ₹ 5 lacs and ₹ 10 lacs, and the initial waiting period is of three months from the start of the first policy.
                            • You can renew your policy within 30 days after expiry, annually throughout the policy lifetime.


                                • If a critical illness diagnosed is listed in the policy terms and conditions, you will get lump sum compensation i.e. the Sum Assured of your United India health insurance policy.

                                  Reasons to buy from United India Insurance

                                  • Vast experience - United India Insurance Company Limited has a vast experience of more than 7 decades.
                                  • Wide network of network hospitals- The Company has a wide network of 7000+ hospitals across the country
                                  • Well-priced policies - All health insurance policies are moderately priced and come with a wide range of sum assured options.
                                  • Policies for all - United India health insurance plans cater to all segments, from younger customers to senior citizens.
                                  • Add-on benefit for senior citizens - For people above 60 years, 10% deductible (the excess part of a claim to be paid by the person insured), is applied and paid by United India Insurance on all admissible claims.

                                  Claim Process at United India General Insurance

                                  You can file for a health insurance claim in two ways - cashless claim and reimbursement claim.

                                  Review of United India General Insurance Company Limited

                                  United India Insurance Company Limited is a public sector or wholly government owned insurance Company of India. The company has played an important role in taking insurance to the rural masses with implementation of various government programmes such as Universal Health Insurance Programme, Vijaya Raji Janani Kalyan Yojna, and many more.
                                  The United India health insurance plans have been designed keeping in mind the needs of individuals, family or groups, children and senior citizens. With more than 7 decades of experience in the general insurance domain, 7000+ network hospitals, and a range of affordable health insurance plans, United India health insurance has become a preferred choice of people from all segments of the society.