Compare United India Insurance Plans

United-India-Insurance-Company

United India Insurance Company

United India Insurance Company offers a variety of insurance policies that pertain to the needs of everyone. Expanding itself to look into the needs of citizens living in both urban and rural areas, a first for any Insurance company.

The company was established on 18th February 1938. After the nationalization of India, it has expanded itself. There are 18,300 working here while there are around 1,340 offices providing insurance cover for more than 1 crore policy holders.

The slogan for United India Insurance Company is ‘U before I’ which is an apt description of the vision of the company. The number of policy holders in the company are in millions. The needs of the customers take first priority and policies are issued in accordance to those needs.

A pioneer in taking great level execution of Universal Health Insurance Program with the help of the Government of India and Vijaya Raji Janani Kalyan Yojana (this has covered 45 lakh women in Madhya Pradesh), Tsunami Jan Bima Yojana (this was implemented in four states covering 4.59 lakh families).

The Company's Past Performance

United India Insurance Co. Ltd has won several awards for their performance as one of the leading Insurance Companies of India. It has received the “Consistent All Round Performer” award by CMD Dalal Street Investment Journal and the Indian Insurance Award in the categories of E-Business Leader, Bancassurancec Leader and Best Non-Urban Coverage.
The company has a gross direct premium of ₹10691.73 crores and a Net Earned premium of ₹8816.23 crores. The amount of Profit before tax for the company is ₹319.24 crores while the Profit after tax is ₹300.57 crores. The net worth is ₹5589.03 crores.

Key Features and Advantages

  • The total members that are covered under policies are 4 family members.
  • Pre and post hospitalization cover where medical covers are taken care of 30 days before hospitalization and 60 days post hospitalization.
  • Free medical checks are offered once at the end of three consecutive claim-free years.
  • 20% Co-pay for senior citizens on major illnesses.
  • Life long renewal plans that cover an individual for a lifetime.
  • Pre-existing conditions and diseases will be covered after a waiting period of 4 years.
  • For those individuals above 60 years of age, 10% deductible will be applied on all admissible claims.
  • There is cashless facility in more than 7000 hospitals across Pan India.

Type of products

United India Insurance Company offers a wide variety of plans like:

  1. Family Medicare - a health insurance policy which aims to cover not only the policy holder but also his/her entire family with two add-on covers to meet ambulance and hospitalisation costs.
  2. Family Medicare 2014 - A variant of the Family Medicare plan.
  3. Gold - A medical Insurance plan that takes care of the medical expenses for a person including hospitalization fee, ICU charges, Organ donor hospitalisation expenses
  4. Individual Mediclaim - This offers features like the Gold plan, however the difference is the age in which individuals can apply for this plan. The gold plan is limited for a specific age, whereas this isn’t.
  5. Platinum - Meant for younger customers. High coverage at affordable rates and the option to cover one’s independent children as well.
  6. Senior Citizen - This is a health Insurance policy. This plan makes health care a viable option for people post-retirement.

Product Plan details

For anyone who is seeking Health, Medical, Retirement Insurance that covers a person for their entire lifetime these are the plans to go for.

1. Family Medicare

Entry Age

  • 18 years to 80 years.
  • 3 months for children if one parent is insured.

Sum Assured

  • ₹1 - 5 lakhs in increments of ₹50,000.
  • ₹ 5 - 10 lakhs in increments of ₹1 lakh.

Features

  • Inpatient hospitalization
  • Room including nurse charges
  • ICU charges
  • Organ donor hospitalisation expenses.
  • Pre and post hospitalisation expenses up to 30/60 days respectively.
  • Cataract.
  • Hernia.
  • Hysterectomy.
  • Major surgeries.
  • Specified day care procedures.
  • Health check-up costs.

Add on Covers

  • Ambulance cover
  • Daily Cash Allowance

Family Medicare 2014

Entry Age

  • 18 years to 80 years.
  • 3 months for children if one parent is insured.

Sum Assured

  • ₹2 - 5 lakhs in increments of ₹50,000.
  • ₹ 5 - 10 lakhs in increments of ₹1 lakh.

Features

  • Inpatient hospitalization
  • Room including nurse charges
  • ICU charges
  • Organ donor hospitalisation expenses.
  • Pre and post hospitalisation expenses up to 30/60 days respectively.
  • Cataract.
  • Hernia.
  • Hysterectomy.
  • Major surgeries.
  • Specified day care procedures.
  • Health check-up costs.

Add on Covers

  • Ambulance cover
  • Daily Cash Allowance

3. Gold

Entry Age

  • 36 - 60 years. Renewals above 60 years.
  • 3 months for children if one parent is insured.

Sum Assured

  • ₹1 - 5 lakhs in increments of ₹50,000.

Features

  • Inpatient hospitalization
  • Room including nurse charges
  • ICU charges
  • Organ donor hospitalisation expenses.
  • Pre and post hospitalisation expenses up to 30/60 days respectively.
  • Cataract.
  • Hernia.
  • Hysterectomy.
  • Major surgeries.
  • Specified day care procedures.
  • Health check-up costs.

Add on Covers

  • Ambulance cover
  • Daily Cash Allowance

4. Individual Mediclaim


Entry Age
  • Individual.

Sum Assured

  • Enhanced on renewal.

Features

  • Inpatient hospitalization
  • Room including nurse charges
  • ICU charges
  • Organ donor hospitalisation expenses.
  • Pre and post hospitalisation expenses up to 30/60 days respectively.
  • Cataract.
  • Hernia.
  • Hysterectomy.
  • Major surgeries.
  • Specified day care procedures.
  • Health check-up costs.

5. Platinum

Entry Age

  • 18 - 35 years.
  • 3 months for children if one parent is insured.

Sum Assured

  • ₹1 - 10 lakhs in increments of ₹50,000.

Features

  • Inpatient hospitalization
  • Room including nurse charges
  • ICU charges
  • Organ donor hospitalisation expenses.
  • Pre and post hospitalisation expenses up to 30/60 days respectively.
  • Cataract.
  • Hernia.
  • Hysterectomy.
  • Major surgeries.
  • Specified day care procedures.
  • Health check-up costs.

6. Senior Citizen

Entry Age

  • 61 - 80 years; renewals above 80 years
  • 3 months for children if one parent is insured.

Sum Assured

  • ₹1 - 3 lakhs in increments of ₹50,000.

Features

  • Inpatient hospitalization
  • Room including nurse charges
  • ICU charges
  • Organ donor hospitalisation expenses.
  • Pre and post hospitalisation expenses up to 30/60 days respectively.
  • Cataract.
  • Hernia.
  • Hysterectomy.
  • Major surgeries.
  • Specified day care procedures.
  • Health check-up costs.
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