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United India Health Insurance Claim Settlement

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United India Health Insurance
Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio78.03%
COVID-19 CoverYes
Network Hospitals7,000+
Policies Sold11,82,067
RenewabilityLifelong

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Claim Settlement of United India Health Insurance

Claim settlement procedure at United India Insurance is quite simple and fast-paced. Free from hassles of any kind, the claim settlement process is easy to understand and does not put policyholders in inconvenience. Backed by a vast number of healthcare facilities, United India Insurance has settled claims of unnumbered policyholders without any delay. What’s best is that it is up to the policyholders to choose their preferred claim settlement mode, cashless and reimbursement being the two available alternatives.

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  • Claim Process for Cashless Treatment

    United India Health Insurance has more than 7,000 network hospitals all over India for cashless settlement of claims. Policyholders are provided with the freedom of opting their cashless settlement of claims at their nearest network hospital. The steps policyholders need to follow for the claim settlement process include- 

    • Find a United India Insurance network hospital in the city where you wish to avail cashless treatment
    • Intimate United India Insurance/TPA within 24 hours, in case of an emergency hospitalisation and 72 hours prior to admission in the case of a planned hospitalisation
    • Carry cashless treatment card/policy number and member ID when visiting the selected network hospital 
    • Show the card/policy number and member ID at the insurance desk of United India Insurance network hospital 
    • Fill the pre-authorisation form available at the network hospital
    • Once the insurer/TPA has been informed and you have filled the form, the pre-authorisation form will be sent to TPA through the hospital
    • After the claim details are examined and reviewed, TPA will inform the policyholder and hospital with regards to approval or rejection of the claim
    • If the claim is approved, the medical expenses will be borne by the insurer directly. However, if the claim is rejected, the policyholder will have to pay the bills

    How to Check United India Health Insurance Plan Claim Status

    To track your claim status of United India, you can either follow the online method or offline method.

    Online Procedure

    To check your claim status follow the given steps:

    • Go to the official website of United India Health Insurance.
    • Click on the Customer desk option. You will get many options from the drop-down list.
    • From there select payment status and enter details such as policy no, transaction ID etc.
    • You will get information regarding your claim status on the web page displayed.

    Offline Procedure

    In case you are not able to track your claim status online, simply call the customer care representative of United India insurance company at 1800-233-4448. Alternatively, you can also visit their nearest branch.

  • Reimbursement Treatment

    A policyholder can file a reimbursement claim at both, network and non-network hospitals. The steps to be followed by the policyholder in the reimbursement claim procedure include- 

    • In case of planned hospitalisation, United India Insurance/TPA should be informed 72 hours prior to admission in the hospital
    • In case of emergency hospitalisation, the intimation should be within 24 hours of hospitalisation 
    • The policyholder is required to submit a reimbursement claim form with the relevant documents within 15 days of discharge from the hospital.
    • Once the investigation of the documents and claim form details is carried out, the letter of approval is sent to the policyholder by the claim management team of the insurer/TPA for confirmation of the approval. After verification, the claim is settled within 15 days
    • If the claim is rejected, the insured is required to respond to the query raised by the insurer or TPA to uncover the reason for rejection

  • Documents Needed

    The list of documents needed for claim settlement procedure at United India Insurance include- 

    • 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 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

     

  • Incurred Claim Ratio (ICR) of United India Health Insurance

    The Incurred Claim Ratio or ICR showcases the net claims paid by a health insurer as against the net premiums earned. ICR is a successful approach that helps in finding how suitable and dependable a health insurer is. ICR indicates the pace of claim procedure along with the productivity of the insurance firm, in terms of revenue. The incurred claim ratio of United India Health Insurance is 110.51%*. *The incurred claim ratio changes from time to time.

Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

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United India Health Insurance User Reviews

4.6
Rating based on
217 User reviews
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What users are saying
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  • Very Helpful plan

    I recently bought the United Insurance Arogya Sanjeevani Policy. The plan is quite helpful and is helping me w...

    Read More
    M
    United India
    By Mannat Saluja
    On: May 17, 2022
  • Very Helpful plan

    I recently bought the United Insurance Arogya Sanjeevani Policy. The plan is quite helpful and is helping me w...

    Read More
    S
    United India
    By Sonia Suneja
    On: May 16, 2022
  • Very Helpful plan

    I recently bought the United Insurance Arogya Sanjeevani Policy. The plan is quite helpful and is helping me w...

    Read More
    M
    United India
    By Mannat Saluja
    On: Mar 11, 2022
  • Flexible top class price modes

    InsuranceDekho’s portal has a secured price gateway and it provides me a number of methods to pay the to...

    Read More
    S
    United India
    By Sakshi Jain
    On: Jan 14, 2022
  • Several coverage benefits

    My United Insurance Individual Health Insurance Policy offers me several coverage benefits. I bought the polic...

    Read More
    K
    United India
    By Kavita Kapila
    On: Dec 13, 2021
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United India Health Insurance Contact Details

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Claim Process at United India Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Insurance Products by United India General Insurance

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United India Health Insurance Claim Settlement FAQs

  • When should I inform United India Insurance in case of reimbursement or cashless planned hospitalisation?

    You must inform the company within 72 hours in case of reimbursement or cashless planned hospitalisation. 

  • When should I inform United India Insurance in case of reimbursement or cashless emergency hospitalisation?

    You must inform the company within 24 hours in case of reimbursement or cashless emergency hospitalisation. 

  • In how many hospitals can I avail cashless treatment under United India health insurance?

    You can avail cashless treatment in over 7,000 network hospitals under United India health insurance. 

  • Whom should I contact for claim intimation and settlement at United India Insurance?

    For claim intimation and settlement purposes, you can contact InsuranceDekho at 18001205698 or United India Insurance directly at 1800 425 33333.

  • How to calculate the Claim Settlement Ratio (CSR) of United India Insurance?

    The Claim Settlement Ratio of United India is calculated using the formula given below:
    Claim Settlement Ratio = (Total no. of claims approved/Total no. of claims received)x100

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