Worried about Corona virus spreading in India? Buy Health Insurance and get coverage now. View Plans
Take informed decisions with IIFL Insurance:

United India Health Insurance Claim Settlement

United India’s health insurance claim settlement ratio demonstrates the insurer’s trustworthiness, making it an excellent option for purchasing medical insurance online. Every health insurance provider has a different claim ratio, so it’s a good idea to double-check before submitting a claim request. To learn more about United health insurance claims, keep on reading.  

United India Health insurance

United India Insurance Company Limited is one of India’s most popular insurance firms, with a global presence and reputation. It was founded in 1938 as a corporation, and in 1972 it was nationalised as a General Insurance Company. It was later amalgamated with 12 Indian Insurance Companies, 4 Cooperative Insurance Societies, 5 Foreign Insurers, and the Life Insurance Corporation of India’s General Insurance operations in the southern region. 

Today, the company employs 14,000 people who operate in 2,276 offices to serve 1.74 million policyholders. Individual plans, family floater plans, senior citizen plans, critical illness plans, top-up plans, and group health insurance plans are among the unique insurance solutions offered by United India Health Insurance to satisfy the healthcare demands of various consumer segments. The insurance has seen tremendous growth over the years as a result of its outstanding products and client service.

United India Health Insurance Claim Process

United India Insurance’s claim settlement process is straightforward and quick. The claim settlement process is simple to grasp and does not cause policyholders any inconvenience. United India Insurance, which is backed by a large number of healthcare facilities, has quickly settled claims for a large number of policyholders.

Claim Process for Cashless Treatment

For cashless claim settlement, United India Health Insurance maintains a network of over 7,000 hospitals across India. Policyholders have the option of choosing for a cashless claim settlement at their local network hospital. The following are the steps that policyholders must take to complete the claim settlement process:

  • Find a United India Insurance network hospital in the city where you want to have the cashless treatment and Intimate United India Insurance/TPA within 24 hours in case of an emergency and 72 hours in case of a planned hospitalisation. 
  • When visiting a network hospital, bring your cashless treatment card/policy number and member ID.
  • Show the card/policy number and member ID at the United India Insurance network hospital’s insurance desk. 
  • Fill out the pre-authorization form at your network hospital. 
  • The pre-authorisation form will be forwarded to TPA through the hospital once the insurer/TPA has been notified and you have completed the form.
  • TPA will notify the policyholder and hospital if the claim has been approved or rejected once the claim details have been examined and reviewed. 
  • If the claim is approved, the insurer will cover the medical costs directly. If the claim is denied, the policyholder is responsible for paying the bills.

Reimbursement Treatment

In both network and non-network hospitals, a policyholder can file a reimbursement claim. The policyholder must take the following steps in the refund claim procedure:

  • In the event of planned hospitalisation, United India Insurance/TPA should be notified 72 hours in advance of admission. 
  • In the event of emergency hospitalisation, notification should be made within 24 hours of admission. 
  • Within 15 days of discharge from the hospital, the policyholder must submit a reimbursement claim form along with all supporting documentation.
  • The claim management staff of the TPA provides the policyholder with a letter of approval for confirmation of the approval when the investigation of the documents and claim form contents is completed. 
  • The claim is settled within 15 days after verification. If the claim is denied, the insured must answer the insurer’s or TPA’s questions in order to learn the reason for the denial.

Documents Required for Filing a Claim

List of documents needed for smooth and easy filing of claim at United India Health Insurance:

  • Original investigation reports
  •  Pharmacy bills with prescription
  •  Final hospital discharge summary
  •  FIR or post-mortem report, if happened
  •  Original bills, receipts & discharge report
  •  Indoor case papers with the duly-filled claim form
  •  Original hospital bills with a valid photo ID proof
  •  Treating doctor’s report and original consultation notes
  •  Nature of operation performed and surgeon’s bill & receipt
  •  Test reports along with attending doctor’s or surgeon’s report

United India Health Insurance Claim Settlement Ratio

The Claim Settlement Ratio is a percentage of the total number of health insurance claims received by an insurance provider during a financial year divided by the number of claims settled. United India Insurance’s claim settlement ratio for the fiscal year 2019-20 is 92.24 per cent.

Reviews and Ratings

The policy has an impressive rating of 4.4/5 based on 31 reviews from Policy Bazaar. Insurance Dekho has given the policy a rating of 4.4/5 based on 66 reviews. 

Ajay – I have my Platinum health insurance policy with United India Health Insurance. I have had this health insurance for the last 4 years, and am happy with the services.

Jai Kumar – Got my claim reimbursed today. The company understands the needs of its customers. Thanks to United India for helping me out in my time of need.


Under United India health insurance, in how many hospitals can I receive cashless treatment?

Under United India health insurance, you can receive cashless treatment at over 7,000 network facilities.

Is a medical examination required before purchasing United India Health Insurance?

It is entirely dependent on the plan. Some plans may require a medical evaluation, while others may not.

Buy Insurance - 18002101330