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Most Popular Policies of United India

  • United India Insurance Family Medicare Policy
    This policy covers both the proposer and his/her family. Two add-on covers are also available under this plan to cover daily expenses in hospital and ambulance costs.
    Key features of Family Medicare Policy
    • No medical check-up required up to 45 years and Rs. 10 Lakhs sum insured
    • Maximum entry age is 80 years
    • Optional cover for critical illness is available
    • Organ donor treatment expenses are covered
    Buy now
  • United India Super Top Up Plan
    This top-up policy covers medical expenses when total amount goes past the deductible limit of what you have to pay.
    Key features of Super Top-up Plan
    • Up to Rs. 2,500 coverage for emergency ambulance service
    • Selected day care procedures such as radiotherapy, chemotherapy,dental surgery, eye surgery, are covered
    • Coverage for In-patient treatment is available beyond threshold limit up to the sum insured.
    • Organ donor expenses are covered
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  • United India Individual Mediclaim Policy
    This health insurance policy is designed to protect individuals from medical expenses for both planned and emergency hospitalization
    Key features of Individual Mediclaim Policy
    • Organ donor expenses Up to chosen sum assured
    • Coverage for major surgeries Up to 70% of the chosen sum assured
    • Coverage available for Specific day care procedures
    • Coverage available for Ayurvedic treatment if undertaken at a government-approved center
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  • United India Senior Citizens Health Insurance Policy
    Senior Citizens Health Insurance Policy is designed to protect senior citizens in the age group of 61 years to 80 years.
    Senior citizen health insurance plan
    • Organ donor expenses are covered up to sum assured
    • Coverage for Cataract, Hysterectomy, Hernia up to 25% of sum assured
    • Major surgeries are covered up to sum assured
    • Ayush treatments are covered if it is undertaken at a government-approved center
    Buy now

UNI Criticare

Critical Illness is something that grips our body to the fullest and the harm that it does to the body is something that takes huge durations of time to cure. In today’s world where we are always in a hurry and money is everything, we do not do much to take care of ourselves and critical illness gets the better of our body. We are mostly unable to understand when they enter our body and slowly starts taking over our body.

The financial burden that falls upon our family once the critical illness grips us is something that requires a lot of recovery time. United India has brought to us the

UNI Criticare

policy that shares our financial burden a lot with a very minimum premium amount. Since its inception, the UNI Criticare policy has garnered a lot of positive remarks on its features and has been applied extensively by the benefactors.

The policy can be bought from:-

If these features and benefits attract you enough to buy the policy then contact the site or download the form from the site and submit it to the office. The link has the details of the policy and they also have a facility where the agent of the company would come and visit your homes to give you the details of the policy. This policy also has an option of buying the policy through contacting the site of the company. Net banking is something that is not available on the site. You can also buy the policy online by clicking on the link below.

The coverage of the policy includes:-


Certain exclusions faced by the policy are:-

Attempted Suicide or intentional self injury Addiction to alcohol or drugs
Disease or presence of HIV AIDS infection Smoking more than 40 cigarettes a day

Along with the above mentioned illnesses, the critical illness suffered by any benefactor who is under the age of 21 years (the minimum limit) or who is aged more than 65 years (the maximum limit) except were specifically renewed beyond the age of 65 years are excluded from the coverage of the policy.

→ Injury caused by war, mutiny rebellion, revolution etc are not covered.

→ Critical illness symptoms or treatment present in the benefactor at any time before the inception of the policy or which manifests itself from 3 calendar months from such date, are not covered under the policy.

The eligibility criteria for the policy stands at:-

The policy has a specialty of covering 11 critical diseases. The minimum of the benefactor to avail the policy should be 21 years whereas; the maximum age shall be 65 years. The term of the policy is of 1 year, following which it can be renewed.

Some of the critical factors to be kept in mind of the policy:-

Even though there are so many features and facilities given by the UNI Criticare policy, there are drawbacks too. There is a clause named as the Cancellation Clause in the policy which states that the company is liable to cancel the policy at any time on the grounds of misinterpretation, fraud or non-disclosure of material related to the policy. The benefactor too, at any point of time can cancel the policy. The company shall allow the refund of premium at company’s short period rate table only if there has been no claim upto the date of cancellation.

Period On Risk Rate of Premium that is to be charged
Upto one month 1/4th of the annual rate
Upto three months 1/2th of the annual rate
Upto six months 3/4th of the annual rate
More than six months The full annual rate

The company can also is liable to decline the renewal if there is any fraud or misrepresentation or suppression by the benefactor found either in obtaining the insurance. Any claim that is made under the policy is to be made in Indian Currency only. This policy is also non assignable where compensation shall be payable only to the insured person or his legal heir. To claim under the policy, a notice must be given to the company or Third party administrator (TPA) in writing immediately.

The policy can also be bought by contacting the site or agents can also come and explain the nitty gritty of the policy to the benefactors so that they do not face any kind of problem while opting for the policy. The policy can also be bought online by clicking on the link given below.

Similar policies of different companies:-

TATA AIG critical illness policy

Star Health Criticare Plus

Future Criticare Policy

Sum Insured = Rs 5 lakh
  • Age (in years)
  • Deductible (in Rs)
  • 1 lakh
  • 2 lakh
  • 3 lakh
  • 91 days- 35
  • 1999
  • 1049
  • 899
  • 36-45
  • 2750
  • 1500
  • 1400
  • 46-60
  • 4813
  • 2925
  • 2170
  • 61-75
  • 10106
  • 5704
  • 3472
  • 76 and above
  • 24053
  • 14254
  • 9090