Health Insurance
United India
United India Insurance is a public sector General insurance company established in 1938. They offer 3 policies in health insurance - Individual plan for people between 18 and 60, Senior citizen plan for 60+ and Family medicare in case you want to buy a family floater plan for your family.
United India Health insurance plans
Medicare Super Top-up
The Medicare Super Top-up Plan from United India Insurance is a decent policy overall that offers you a buffer amount of up to ₹75 lakhs along with your base cover, which is adequate to have you covered in case of any complicated or extensive treatments incurring sizeable hospital bills. However, since the insurer is public-owned, there is always a chance that your claim settlement might not be hassle-free, or there might be an issue with the overall operational efficiency. You might want to check out other competitive Super Top-Up policies offered by some of the top health insurance providers in the industry - you can even end up getting a higher cap on the buffer amount!
Family Medicare
United Insurance Family Medicare is an okay policy. And while it does cover some bases, it has a few restrictions. For one they don't offer the full cover for several diseases and they make you wait 3 years before covering complications arising out of pre-existing illnesses. So you might want to check out other alternatives.
Individual Platinum Plan
The Individual Platinum Plan from United India Insurance is a one-of-a-kind policy, considering that there is no waiting period involved. Additionally, the plan has no disease-wise sub-limits. Yet, the plan can be considered to be an “okay” pick, considering that the insurer is public-owned, indicating that some delays in claim settlement and inconvenience are to be expected. So, a better alternative would be to look for a more comprehensive policy from a credible provider with a proven track record of excellent claim settlement experience.
Senior Citizen Plan
You could choose United Insurance Senior Citizen policy if you’re 60+, with pre-existing complications or if nobody is willing to insure you. However, if you have other alternatives, this policy could be a letdown, considering, they don't offer the full cover for several diseases and they make you wait 4 years before covering complications arising out of pre-existing illnesses.
Individual Gold Plan
United Insurance Individual Gold is an okay policy. And while it does cover some bases, it has a few restrictions. For one they don't offer the full cover for several diseases and they make you wait 3 years before covering complications arising out of pre-existing illnesses. So you might want to check out other alternatives.
United India Health insurance claim process
United India claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of United India's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
United India Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the United India website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your United India health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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