United India Insurance Mediclaim Review

United India Insurance Company limited, was incorporated in the year 1938. It was formed by merging 22 insurance companies in 1972. They have more than 1 crore policy holders now.

The health policies that they offer are:

• Family Medicare- (family floater) It provides cover for hospitalization, post and pre hospitalization expenses, nursing expenses, surgeon, anesthetist, or specialists fees, cost of blood, OT charges, drugs , medicines, oxygen, X ray charges etc. are all included in the policy. It covers all the family members under single SI. The proposer should be between 18 to 80 years of age.

• Gold- Individuals between 36 to 60 years are eligible for this policy.  The sum insured option ranges from Rs. 1 lakh to Rs. 5 lakh. Post and pre hospitalization, inpatient hospitalization, along with other costs like medicines, drugs, surgeon’s fees, specialists fees, blood, oxygen are all included.

• Platinum- this policy has age limit of 3 years to 35 years. it provides cover for hospitalization, domiciliary hospitalization, pre and post hospitalization and other medical expenses involved in case of injury or illness. a family discount of 5 % on total premium is given if one or more members of the family are insured.

• Senior Citizen – Entry age for this policy is 61 to 80 years. The sum insured range is from Rs. 5000 to Rs. 3, 00, 000.   Hospitalization expenses, domiciliary hospitalization, ICU cost, anesthetist’s fees, surgeon’s fees, OT charges, oxygen, blood cost, medicines and drugs are all covered in the policy.

• Super Top Up-This top up plan gives additional coverage in case the hospitalization costs are very high. The policy can be issued individually or on a family floater basis. The policy responds when the threshold level of other existing policies is exceeded.

• TopUp- it also gives additional protection to the insured at a very affordable price. It can be issued individually or to the family on a floater basis. The proposer should be aged between 18 to 80 years.

Benefits:

The company has been given an iAAA rating by ICRA for its claims paying ability.

Third party administrator services:

Medsave healthcare Ltd., Medicare TPA services, TTK healthcare services Pvt. Ltd., E Meditek solutions Ltd., Genins India Ltd., Heritage Health services Pvt. Ltd., East West Assist Pvt. Ltd., Alankit Heatlhcare Ltd., Raksha TPA services, Good Health Plan Ltd. are the TPAs of United India Insurance.