OneAssure

Health Insurance

United India Health Insurance

United India Health Insurance

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91.1%

Claim Settlement Ratio

10,000+

Network Hospitals

3.8

Overall Rating

United India Health Insurance

Our Verdict About United India Health Insurance

United India Health Insurance provides essential protection with a wide hospital network and a smooth claim process.

What We Like

Free health check-ups and renewal benefits in select plans.

Flexible plan options with top-up and senior citizen variants.

Covers hospitalization, daycare, and modern treatments.

Cashless treatment and reimbursement options available.

Backed by the Government of India for reliability and trust.

Areas of Improvement

Hospital network smaller in some smaller towns.

Fewer digital tools and claim tracking features.

Limited global or OPD coverage options.

Long waiting period for pre-existing diseases.

Room rent and treatment sub-limits in base plans.

What We Like

Free health check-ups and renewal benefits in select plans.

Flexible plan options with top-up and senior citizen variants.

Covers hospitalization, daycare, and modern treatments.

Cashless treatment and reimbursement options available.

Backed by the Government of India for reliability and trust.

Areas of Improvement

Hospital network smaller in some smaller towns.

Fewer digital tools and claim tracking features.

Limited global or OPD coverage options.

Long waiting period for pre-existing diseases.

Room rent and treatment sub-limits in base plans.

Final Verdict

United India Health Insurance is a dependable option for anyone seeking trustworthy health coverage. The plans are simple to understand, and the claim process is straightforward, whether you choose cashless or reimbursement. The company offers flexible options for individuals, families, children, and senior citizens, making it easy to find a...

United India Health Insurance is a dependable option for anyone seeking trustworthy health coverage. The plans are simple to understand, and the claim process is straightforward, whether you choose cashless or reimbursement. The company offers...

United India Health Insurance

About United India Health Insurance

United India Health Insurance

United India Health Insurance Rating

Overall Rating

3.8

out of 10

Solvency

-1.1/4

ICR

1.7/3

Growth

3.2/3

Performance Index

Gross Direct Premium

United India Health Insurance

0Cr

Industry Average

0Cr

ICR%

United India Health Insurance

0%

Industry Average

0%

United India Health Insurance

Industry Average

Overall Rating

3.8

out of 10

Solvency

-1.1/4

ICR

1.7/3

Growth

3.2/3

Performance Index

Gross Direct Premium

United India Health Insurance

0Cr

Industry Average

0Cr

United India Health Insurance

Industry Average

Performance Index

ICR%

United India Health Insurance

0%

Industry Average

0%

United India Health Insurance

Industry Average

United India Health Insurance

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.

Thank you once again for your invaluable help – highly recommended!

Yogesh Meena

United India Health Insurance

Pros and Cons

Pros

Covers room rent, ICU, and doctor fees with pre- & post-hospitalisation up to 10% of the sum insured.
540+ daycare treatments like dialysis and cataract surgery covered.
No-Claim Bonus (up to 15%) and free health check-ups after claim-free years.
Family floater options covering spouse, children, and parents.
Lifetime renewability for all policyholders.

Cons

Long waiting period (up to 48 months) for pre-existing diseases.
Sub-limits on room rent (1%) and ICU (2%) of sum insured in some plans.
Certain surgeries like cataract or hernia have 24–48-month waiting periods.
Major surgeries may be reimbursed only up to 70% of the sum insured.
No coverage for treatment abroad or cosmetic/experimental procedures.

Pros

Covers room rent, ICU, and doctor fees with pre- & post-hospitalisation up to 10% of the sum insured.
540+ daycare treatments like dialysis and cataract surgery covered.
No-Claim Bonus (up to 15%) and free health check-ups after claim-free years.
Family floater options covering spouse, children, and parents.
Lifetime renewability for all policyholders.

Cons

Long waiting period (up to 48 months) for pre-existing diseases.
Sub-limits on room rent (1%) and ICU (2%) of sum insured in some plans.
Certain surgeries like cataract or hernia have 24–48-month waiting periods.
Major surgeries may be reimbursed only up to 70% of the sum insured.
No coverage for treatment abroad or cosmetic/experimental procedures.

United India Health Insurance

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

United India Health Insurance Types

Individual Health Insurance

This plan covers the medical expenses of one person. It takes care of hospital bills, ambulance charges, and pre- and post-hospitalisation costs. Perfect for those who want coverage only for themselves.

Family Floater Health Insurance

This plan covers the entire family under one shared sum insured. Any family member can use the coverage when needed, making it affordable and convenient.

Critical Illness Insurance

If you are diagnosed with a serious illness like cancer, kidney failure, or heart attack, this plan pays a one-time lump sum amount. You can use this money for treatment, recovery, or daily expenses.

Group Health Insurance

Usually purchased by companies or organisations for their employees, this plan provides collective medical coverage at affordable rates. It’s a cost-effective way to safeguard employee health and boost workplace well-being.

Super Top-Up Health Insurance

This plan adds extra protection over your existing health policy. Once your hospital bill crosses the deductible (the limit of your main policy), this plan starts paying for the rest of your medical expenses.

Senior Citizen Health Insurance

Tailored for senior citizens, this plan covers hospitalisation, daycare treatments, and other age-related medical needs. It provides financial security and peace of mind in old age.

Personal Accident Insurance

This plan provides financial support if you face an accident resulting in injury, disability, or death. It pays for hospital expenses and also offers compensation to your family in case of severe injury or loss of life.

Individual Health Insurance

This plan covers the medical expenses of one person. It takes care of hospital bills, ambulance charges, and pre- and post-hospitalisation costs. Perfect for those who want coverage only for themselves.

Family Floater Health Insurance

This plan covers the entire family under one shared sum insured. Any family member can use the coverage when needed, making it affordable and convenient.

Critical Illness Insurance

If you are diagnosed with a serious illness like cancer, kidney failure, or heart attack, this plan pays a one-time lump sum amount. You can use this money for treatment, recovery, or daily expenses.

Group Health Insurance

Usually purchased by companies or organisations for their employees, this plan provides collective medical coverage at affordable rates. It’s a cost-effective way to safeguard employee health and boost workplace well-being.

Super Top-Up Health Insurance

This plan adds extra protection over your existing health policy. Once your hospital bill crosses the deductible (the limit of your main policy), this plan starts paying for the rest of your medical expenses.

Senior Citizen Health Insurance

Tailored for senior citizens, this plan covers hospitalisation, daycare treatments, and other age-related medical needs. It provides financial security and peace of mind in old age.

Personal Accident Insurance

This plan provides financial support if you face an accident resulting in injury, disability, or death. It pays for hospital expenses and also offers compensation to your family in case of severe injury or loss of life.

Documents Required

Identity Proof

You’ll need to submit an official ID such as your Aadhaar Card, PAN Card, or Passport for verification.

Residential Proof

Provide a document that confirms your current address, like an electricity bill, rent agreement, or voter ID.

Proof of Age

Any valid document showing your date of birth—such as a birth certificate or driving license—is required.

Photographs

Recent passport-sized photographs are needed for your health insurance records and policy documentation.

Proof of Income

For higher coverage plans, you may be asked to share income details like ITR or salary slips.

Identity Proof

You’ll need to submit an official ID such as your Aadhaar Card, PAN Card, or Passport for verification.

Residential Proof

Provide a document that confirms your current address, like an electricity bill, rent agreement, or voter ID.

Proof of Age

Any valid document showing your date of birth—such as a birth certificate or driving license—is required.

Photographs

Recent passport-sized photographs are needed for your health insurance records and policy documentation.

Proof of Income

For higher coverage plans, you may be asked to share income details like ITR or salary slips.

United India Health Insurance

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 6 Process

United India Health Insurance

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

United India Health Insurance Network Hospitals

10,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

10,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

United India Health Insurance

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

United India Health Insurance

How to Buy United India Health Insurance?

Follow these simple steps to purchase your United India Health Insurance health insurance policy and secure comprehensive coverage for you and your family.

Things to Remember

United India Health Insurance