Home Insurance FAQs On United India Insurance Plans & Company

FAQs On United India Insurance Plans & Company

by Litinbox

United India Insurance is a public sector insurance company run by Government of India and functions under the Ministry of Finance. It’s headquarters is in Chennai, the capital of Tamil Nadu.

United India Insurance Company (UIIC) has around 1,400 branch offices across the country. It has been operating for 86 years from 1938 and covers vehicle insurance, health insurance, general insurance, property insurance, crop insurance, marine insurance and aviation insurance.

In this article we will see some of the Frequency asked questions (FAQs) on internet about the United India Insurance plans and policies.

1] How good is United India Insurance?

UIIC is one of the best and most popular general insurance company in India run by Indian government. It is good because of its easy, fast and hassle free claim settlement procedures.

Based on customer reviews, UIIC is good because of its easy documentation, good claim ratio, several insurance plans, fast grievance redressal and resolved on time, and so on. Click here to read the reviews given by the customers.

2] What are the benefits of United India Insurance?

Here are some of the convincing reasons to buy United India Insurance (UII). For instance, if you want to buy UI health insurance plans, you get the following benefits.

  • Primarily, UI health insurance is suitable for all people, irrespective of age, nature of job and lifestyle.
  • United India offers free medical checkup every three years if the policyholder hasn’t made any policy claims.
  • People can buy any policy online, they can renew as well as claim policies online.
  • If the policyholder hasn’t made any claims in a year, he/she can get a no claim bonus of 3%, and upto a maximum of 15% of the total amount insured.
  • Policyholders can also avail pre-hospitalisation charges like medical bills, consultation fee, lab test costs and so on.
  • It is noteworthy that UI health insurance also covers Ayush treatment if the patient wants to get treatments in government and government approved hospitals.
  • UI health insurance offers policyholders coverage against treatments for various illnesses and injuries.
  • Apart from these, the process is hassle free, easy and fast.

Other insurance policies from United India Company too have a number of benefits. So, UIIC is a better choice for your policies.

3] Who is eligible for United India Health Insurance?

Any individual between 18 years and 65 years is eligible for United India Health Insurance. Individuals can get coverage under Individual Health Insurance Policy for oneself or for their family.

United India offers 3 plans i.e. Platinum, Gold and Senior Citizen. These plans are provided based on the age of the individuals.

4] Does United India Insurance cover pregnancy?

Yes, United India pays the medical expenses for delivery, including caesarean, or for the lawful abortions. The insurance covers the expenses for upto two times during Policy period, however.

Maternity cover health insurance offers coverage for maternity, delivery, pre and post-natal expenses, in-patient hospitalisation expenses, and so on. Individuals can buy two policies to cover maternity expenses: United India Family Medicare Policy and United India Shramik Seva Policy.

5] What is the claim rate for United India Insurance?

The United India Company settled 97.25% of claims (Health Insurance claims) it received during the financial year 2021-2022 and 91.10% of claims in the first 3 months of 2024.

It’s notable that in the same period of 3 months, standalone insurers like Care Health & Niva Bupa Health Insurance achieved 100% settlement ratio.

Star Health Insurance and Aditya Birla Health Insurance recorded around 99% settlement ratio during the financial year 2022-23. Comparably, the United India Health Insurance claims settlement ratio is relatively low.

6] Is United India Insurance a Government Company?

The Government of India owns the United India Insurance Company and functions under the control of Ministry of Finance Government of India.

The company was started in 1938 during the British colonial era as “United India Fire and General Insurance Company Limited“. Later in 1978, the government changed its name to the present one, “United India Insurance Company Limited”.

7] Is United India insurance good for cars?

A policyholder has answered this question along with the reasons he opted for United India Car Insurance policy. He says that the company’s excellent customer care service is one of the primary reasons for his opting out to United India.

Not only this, he adds, the company’s claim settlement ratio is better, as he claims. Most of the customers provide positive reviews on the car insurance plans by the company.

8] Is United India Insurance good for bikes?

Unfortunately, if an accident occurs, the claim settlement ratio is very good for all vehicles, including bikes, in the UI Insurance. The company also provides at one of the cheapest and best price for two-wheeler.

On the other hand, the claim settlement ratio is around 97% which is around 3% higher than the industry average. The claim settlement procedure is fast and hassle free.

9] What is NCB for United India Insurance?

NCB for UIIC is ‘No Claim Bonus’. If a policyholder doesn’t make any claims in a policy year, the company will provide a reward or bonus or discount. This is NCB (No Claim Bonus).

The policyholder can get benefits of NCB only when he/she renews the policy and can benefit from significant savings on premiums.

To get NCB (No Claim Bonus) certificate from UI Insurance Company, we have to follow the following steps:

  • Using the customer care service number provided in the official website (https://uiic.co.in), you can contact customer care executive and request for the NCB certificate by providing all the details the customer service officer would ask.
  • Submit the form enclosing all the required documents.
  • After verification of your application, the company will issue NCB certificate.

Visit official website for further information on insurance claims and other details.

10] How do I claim my medical bill on United India Insurance?

To claim medical bills, the insurer has to submit necessary documents for the reimbursement of claim within 24 hours from the time of hospitalisation or before the discharge from the hospital (whichever is earlier).

In case of a planned hospitalisation (such as for surgery etc), the insurer should send notice with full particulars to the company / TPA (if applicable) at least 48 hours prior to the admission in the hospital.

Moreover, we need to know what are the steps to follow for the reimbursement of claim. The insurer requires to send the following to the company or TPA:

  • Filled in claim form
  • Patient’s photo identity proof such as Aadhar card
  • Doctor’s prescription form advising the insurer for admission in the hospital
  • Original bill and payment receipts
  • Discharge summary that includes patient’s complete medical history
  • Diagnostic test reports mentioned in the prescription
  • If any surgery performed in the patient, then the surgeon’s certificate that provides detailed information on the surgery performed.
  • If applicable, sticker/invoice of the implants
  • MLR (Medico Legal Report) and FIR (First Information Report) copies, wherever applicable.
  • NEFT details and a cancelled cheque
  • KYC identity proof with address of the proposal when the liability of claim is above 1 Lakh rupees.
  • Legal heir certificate and so on.

1) The company may specify what are the required documents (original/copy) as per the claim procedure. All above mentioned documents will not require for patients of all types.

2) Bills, receipts, invoices and other medical treatment related documents are acceptable only when they are in the name of insured person for whom the claim submitted.

3) Any delay in notification and submission of claim requests will reflect on the settlement.