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Claim settlement ratio (2019-20)
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The United India Insurance Company Limited, established in 1938, has been one of the most preferred insurance providers in India. The United India Insurance company provides coverages to over 1.75 crore policyholders by providing a range of innovative insurance products like group health insurance in order to meet the requirement of the diverse population.
The United India Insurance Company was merged with 12 Indian insurance companies, 4 cooperative insurance societies, Indian operations of 5 foreign insurers, and general insurance operations. With over 14,000 plus workforce in 2,276 offices, the company has been able to consistently deliver its incredible services.
With Pazcare, your United India group health insurance experience gets completely hassle-free and smooth. At Pazcare, we provide your employees with the best group health insurance quotes at competitive prices. With the help of Pazcare dashboard, your function becomes seamless.
Just follow these steps to purchase United India group health insurance online at Pazcare.
For further information, write to us at firstname.lastname@example.org or call our customer care at +91 78291 11300. Alternatively, connect with us on Whatsapp using the number +91 81973 79596.
Right from its inception, United India has provided the best class services to its customers. Here is why you should choose United India group health insurance as your insurance partner.
Awards & recognition
The United India insurance company has received some of the prestigious awards in the industry. Some of the famous ones are The Indian Insurance Awards, Best Health Insurance Provider Awards, and The Most Ethical Company Award. Therefore, the United India group health insurance is extremely credible and trustworthy.
You can easily renew your group health insurance online by entering your policy number through a secured payment system. This makes the renewal process extremely easy and hassle-free.
7000+ network hospitals
Under the United group health insurance, you can enjoy a cashless treatment at over 7000 plus hospitals pan India.
Good customer support
The United India group health insurance provides 24x7 customer support to its clients answering all their queries as well as helping you settle your claims.
The claim settlement ratio (CSR) is just the percentage of total claims that an insurance company settles in a year out of the total claims received in that particular year. You can calculate the Claim settlement ratio (CSR) by using this formula.
Under United India group health insurance, you enjoy a cashless treatment from over 7000+ network hospitals. With a larger list of network hospitals, the chances of you finding the cashless network hospitals near your location easily which can be extremely useful in time of emergency.
United India group health insurance cashless claim
With United India group health insurance you can make a cashless claim using the following steps.
1. Pay a visit to the nearest network hospital
First step, is to pay a visit to the nearest network hospital under United India group health insurance in order to enjoy the cashless treatment.
2. Authenticate your identity
Make sure to validate your identity using the health insurance ID card or policy number, a valid photo ID like an Aadhar card, voter ID, driving license, etc, and the company ID at the hospital.
3. Pre-authorization form submission
Once you are done verifying your documents, the next step is to submit the pre-authorization form to United India health insurance. The form should be submitted within 48 hours of hospitalization in the case of emergency hospitalization. If it is the case of planned hospitalization, it should be submitted 3 days before the hospitalization.
4. Review of request
After the form submission, United India health insurance will review the claim request that you have forwarded. Moreover, the network hospital will also be notified about the claim decision. You will be notified through an email or a message.
5. Claim settlement
Once all these steps are successfully completed, the insurer will either accept or decline your request depending on the documents you have submitted. The claim is settled directly with the network hospital according to the terms and conditions of your United India group health insurance policy.
United India group health insurance reimbursement claim
If you decide to get hospitalized at a non-network hospital, the reimbursement claim form United India group health insurance can be done by following steps:
1. Make sure you notify your insurance company
Inform your insurer about your case of hospitalization. In case of emergency hospitalization, inform the insurer within 48 hours of hospitalization and 3 days prior in the case of planned hospitalization.
2. Settling the bills at the hospital
After the treatment is completed, settle all the bills upfront at the hospital.
3. Collect all the documents
After you pay the bills, put forward all the original copies of all the required documents to file for a reimbursement claim.
The documents required to file a reimbursement claim
4. Documents submission
After you have all the relevant documents in hand, submit them to the nearest United India health insurance branch within 15 days of discharge.
5. Claim processing
Lastly, after you submit all the documents asked, the insurer will then review it. The insurer either rejects or approves the reimbursement claim request depending on the documents you submit. This will be as per the terms and conditions of your United India group health insurance policy. Once approved, the claim will be settled in your bank account directly. You will be notified about the claim approval/rejection through SMS or your given email.
You can also contact us anytime email@example.com. We provide 24X7 claim assistance for your employees and guide them through the process.
The United India group health insurance can be renewed easily with us here at Pazcare. Here are the steps to renew your United India group health insurance plan.
Step 1: Contact us at Pazcare by just submitting a form. The form will ask you to fill in all your basic details like your name, the name of the company, the number of employees you wish to insure, work email address, and phone number.
Step 2: Once you are done submitting the form, our consultants will get back to you. This is not a fresh policy, therefore, you will have to submit the following documents.
Step 3: Now are free to choose additional add-ons to your existing policy. Some of the add-ons are dental insurance riders and maternity insurance riders to your existing policy. With Pazcare one has the flexibility to choose a range of additional health and wellness add-ons to your United India group health insurance. Add-ons include wellness and therapy sessions, unlimited doctor consultations, comprehensive check-ups, and much more.
Step 4: After you decide which add-ons to take, our consultants will get back to you with the competitive quotes for your United India group health insurance. On the basis of your claims report that you put forward and the add-ons you choose, your group health insurance premium will vary from the last financial year.
Step 5: Now you will be asked to see the terms and conditions and after you agree to them and pay the premium for your United India group health insurance policy, the policy will be valid for a year after the renewal.
Step 6: If you are purchasing your United India group health insurance for the first time with Pazcare, the onboarding process will be carried out within 24 hours. Not to worry as our associates will provide you with all the information to get started with your United India group health insurance.
We make sure that your United India group health insurance experience will be seamless using our Pazcare dashboard. At Pazcare, we work towards making your insurance experience memorable. Lastly, you can enjoy your policy using Pazcare’s employee app which is available on both the app store and the play store.
The United India group health insurance premium is determined by the following factors:
Age is considered one of the significant factors while calculating your insurance premium. The older you are, the more premium you have to pay and vice-versa. This is because of the assumption that older people are prone to illnesses and diseases compared to young people. However, it is smart to invest in your health insurance policy early.
Add-ons you choose
Coming towards the add-ons is also one of the major factors in determining your insurance premium. Add-on covers are the extra coverage that you can additionally opt for with your base health insurance plan. Thus, more add-ons result in higher premiums.
Your bad habits like smoking, and consuming tobacco and other substances can result in an increase in health risks. Your insurance provider will assess these habits and you might have to pay high premiums. There are instances where applications get rejected by the candidates having injurious habits.
If you choose a higher insurance cover, you have to pay a higher premium. In your selection of the sum insured amount, the insurance provider has to pay you more in compensation at the time of medical emergency. However, it is advisable to choose the sum insured amount as you exactly need.
Your group health policy is personalized according to your requirement. Here is what your United group health insurance covers.
In-patient hospitalization expenses cover
Under your in-patient hospitalization cover, United India offers compensation for the medical expenses for the treatment caused by an injury or illness. However, you have to get admitted for in-patient hospitalization for at least 24 hours.
Pre-hospitalisation and Post-hospitalisation
Under the United India group health insurance, your medical expenses incurred during the period up to 30 days prior to getting hospitalized and during the period up to 60 days after the discharge is all covered.
Day Care treatments
Under your daycare treatment coverage, the treatment procedure is conducted within 24 which requires no hospitalization is covered.
Under your domiciliary hospitalization coverage, the medical treatment for at least or more than 3 days for your injury or illness where you are treated at home with a sole reason of non-availability of rooms in the hospital or if you are not in a condition to be taken to the hospital is covered.
Undisclosed pre-existing diseases
If you have undisclosed any of your pre-existing diseases are not covered under your United India group health insurance.
Vitamins and supplements
United India will not cover medical expenses on your vitamin intakes unless your doctor recommends it as part of your treatment.
Any injury caused by a war-like situation will not be covered by your insurer.
Alcohol or substance abuse
All the medical expenses caused by substance abuse or alcohol consumption will not be covered under your United India group health insurance.
The expenses incurred due to any cosmetic treatments like weight loss procedures, plastic or cosmetic treatment will not be covered under your United India group health insurance.
Hassle-free claim process
At the United India group health insurance, your claim process is made completely hassle-free. The customer care department is there to assist you in each and every step to ensure you have a great insurance experience.
The premium which you pay under United India group health insurance, is entitled to tax exemption in accordance with existing tax laws.
Under the portability option, you can switch the plans to United India from your existing provider as per your budget and requirement very easily.
Intimate your insurer
Inform about your claim to your insurance provider. Make sure it is within 48 hours, in case of an emergency, and at least 3 days prior in case of a planned hospitalization.
Verify your identity
Provide proof of identity - policy number/health insurance ID card, company ID, and a valid unique govt. ID card.
Submit the pre-authorization form
Fill out the pre-authorization form and forward it to the hospital.
Once all the details are verified, the claim will be settled directly at the network hospital
Contact us for assistance
For any queries, contact Pazcare at firstname.lastname@example.org or call us at +91 78291 11300.
Intimate your insurer
Inform about your claim to the insurer within 48 hours. This is in case of an emergency. At the time of planned hospitalization, at least 3 days prior.
Clear your bills
Clear all your bills and collect the original copies of hospital bills, doctor consultation reports, and other documents.
Submit the documents
Submit all the original documents along with the claim form to the insurer.
The claim will be settled in your bank account directly after it's verified.
Contact us for assistance
For any assistance feel free to contact Pazcare at email@example.com or call us at +91 78291 11300. We will make sure your problems are resolved.
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Why buy a group health insurance
policy online from Pazcare?
For any queries or assistance, reach out to us at any time. We provide 24X7 customer assistance.
United India group health insurance is the most preferred because it offers affordable, wide coverage group health insurance policies that provide financial protection at the time of a medical emergency.
The claim settlement ratio of United India Insurance for the financial year 2019-20 is 78.03%.
In the case of reimbursement or cashless planned hospitalization, you must inform the company within 72 hours.
You can avail of cashless treatment in 7,000+ network hospitals under United India group health insurance.
The key benefits of United India group health insurance are: