United India Insurance Company is one of the most reputable insurers in India. There are about 22 insurance companies that have merged with United India Insurance. The company serves virtually all areas of the general insurance industry.

united insurance of india

The company offers so many types of insurance such as Health Insurance, Motor Insurance, Two Wheeler Insurance, Travel Insurance, Personal Accident Insurance, Shop keeper Insurance, and Householder Insurance, etc. The company has almost two decades of experience. She believes in the complete satisfaction of her clients and tries to help them in every possible way.

The company has successfully provided insurance to well-known and large organizations such as ONGC Ltd, Mumbai International Airport Ltd, and others.

About United India Insurance Company In Brief:

Company NameUnited India Insurance Company Limited
Company typePublic sector (nationalized in 1972)
Establish Date18th February 1938
HeadquarterChennai, Tamil Nadu, India
IndustryGeneral insurance, Financial services
ProductsInsurance
Website Addresswww.uiic.co.in

Also Read: Types Of Car Insurance


United India Insurance Products and Services

  • United India Motor Insurance: Car insurance is one of the wittiest methods to protect your car financially.


  • United India Health Insurance: United India Insurance is offering a good range of health care insurance products. You can choose the one as per your requirements. The health insurance policy will be of great benefit.


  • United India Travel Insurance: United India Insurance Company has travel policies designed to cover the risk of personal accidents or loss of baggage during travel. Travel policies offer good coverage and fit the requirements of different kinds of travelers and expeditions.


  • United India Two Wheeler Insurance: Two-wheeler insurance is one of the cleverest methods to protect your bike financially. 


  • United India Householder’s Insurance: This type of insurance plan offers coverage due to loss or damage that occurred to the liability of third parties, building, jewelry, domestic appliances such as audio systems, VCR, etc. A householder exposed to the contingencies mentioned herein is covered under this plan.
  • United India Shopkeeper’s Insurance: A shopkeeper who is exposed to contingencies such as pedal cycles, plate glass, neon or glow signs, etc. are covered under this plan. This plan offers personal accident cover for the shop keeper’s spouse as well as children.
  • United India Personal Accident Insurance: United India Insurance Company has designed personal accident insurance plans to cover the risk of personal accidents and save your hard-earned money to post an accident. Mentioned below are the plans offered by this General Insurance Company.

Also Read: Claim Settlement Ratio and Incurred Claim Ratio in Health Insurance


Premium Payment Process of United India Insurance Company

Online Payment Process

United India General Insurance has made its online payment function available to its customers. This is the most convenient way for customers to pay premiums with just a few clicks. The insured only has to pay the premium through the United India Insurance website uiic.co.in.

There are several product options from which the policyholder must choose. For example, when paying for travel insurance, the policyholder must click on the category of travel insurance, click on “Make a payment” and then enter the insurance number to complete the payment in the specified field. For online payment, the policyholder can use their debit card, credit card or their net bank. Therefore, the policyholder can easily pay through the official website with just a few simple steps.

Offline Payment Process

United India General Insurance Company also offers offline payment services to customers who do not have technical knowledge. However, the following payment methods can be used for the offline method:

  • Drop boxes
  • Cash/ Cheque Collection
  • Collection center for payments
  • Company branch
  • Insurance brokers representing United India General Insurance Company

Also Read: Top 5 Best Term Insurance Plans In India 2019


United India Insurance Renewal

Online Renewal Process at United India Insurance Company

You can extend your general insurance policy from 30 days before the expiration date of the policy until its expiration date. It is strongly recommended to renew your insurance before the existing insurance expires. United India General Insurance Company offers it’s insured an easy extension through the online renewal process.

Here are some steps for online renewal process:

  • Log in to the company’s website uiic.co.in
  • Select the Renew option now.
  • Then follow the link that leads to the secure payment process. For online payment, you can use your debit card, credit card or your Net Banking.

Renew insurance plans provided by other insurers with United India insurance

There are many general insurers in the market today. However, for the reasons detailed below, United India General Insurance Company may prevail against the other insurers. Let’s take a look at them:

United India Insurance offers several types of insurance coverage, such as merchant insurance or home insurance, which are rarely offered by other insurers such as New India Assurance Company or TATA AIG General Insurance Company.

The credit insurance plans offered by United India Insurance differentiate them from other general insurers in the market.



United India Insurance Company Claim Process

Following are the steps required to claim general insurance plans:

  • In case of any eventuality, inform the insurance company as soon as possible
  • Then, submit the claim form along with supporting documents
  • The insurance company will verify the claim and if found satisfactory, the claim will be settled within the stipulated time

Documents Required for Claim Process

Following are some documents required for filing a claim process:

  • Duly filled in the claim form
  • Policy documents
  • Treating physician’s certificate
  • Discharge summary
  • Copies of medical bills
  • FIR (in case of accidents)
  • Passport (travel insurance)
  • Flight tickets (travel insurance)
  • Bills of items lost (travel insurance)
  • Copy of driving license (motor insurance)
  • Repair bills

Also Read: Claim Procedure In Case of Bike Theft


Exclusions under United India General Insurance

Below are some of the claims not covered under United India General Insurance policies:

  • Claim directly or indirectly caused by ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear weapons material
  • Claim caused due to consequence of war invasion, the act of foreign enemy hostilities
  • Critical illness present in the insured person before the inception of the policy
  • Death caused by suicide
  • HIV/AIDS
  • Naturopathy
  • Damage to the vehicle if a driver under the influence of a substance
  • Damage to the vehicle due to racing, war, etc.

United India Insurance Company Reviews

United India Insurance has the ability to easily meet the needs of consumers, whether for individuals or groups. All plans are designed to meet consumer needs and provide wider coverage. The company has a good reputation for claims settlement.

After nationalization, the company experienced rapid growth. The company employs approximately 18300 people in 1340 offices throughout India. The company is one of the oldest and most reliable insurance companies in India. It is the first insurer to provide valuable coverage for the rural population.

United India Insurance conducts effective and large-scale campaigns of the Universal Health Insurance Program of the Government of India. Vijaya Raji Janani Kalyan Yojana covering 45 thousand women in Madhya Pradesh. A more effective insurance policy called Tsunami Jan Bima Yojana has been added, comprising 4 states consisting of about 4.59 Lakh families. United India Insurance has also launched some useful national livestock insurance programs.



FAQ:

Q. What kinds of policies are available online with United India Insurance Company?

Answer: Motor (two-wheeler & private car), Health, Personal Accident, Overseas Mediclaim, Householder, Shopkeeper, Pravasi Bhartiya Bima Yojana, and Shopkeeper insurance are the insurance plans offered by United India Insurance that you can buy online.

Q. How to renew the United India insurance policy online?

Answer: You can renew your general insurance policy from 30 days before the expiration date of the policy until its expiration date. All you have to do is log in to the company’s website uiic.co.in and select the Renew now option. Then follow the steps that lead to the secure payment process.
For online payment, you can use your debit card, credit card or your Net Banking. Also, you can easily connect online with the official website.

Q. Why should you buy the United India Health insurance Policy?

Answer: Health insurance has become a very important requirement for each individual. These are the reasons why you need to buy the United India Insurance Health Policy:
1. United India Insurance offers a good selection of health insurance products.
2. Your Mediclaim policy is designed to provide coverage to the policyholder for any illness, complaint or injury suffered during the insurance period.
3. The Workers’ Health Insurance Plan also covers any type of hospital costs incurred by employees due to an accident during their employment.

Q. What would happen in the case of renewal after one year?

Answer: Normally, the company sends the renewal notification/reminder before the expiration date so you can renew your policy easily and in a timely manner. In peace, you can consult the company for the same process.

Q. How many times can I file a claim?

Answer: Basically, there is no restriction related to the claim. You can file a claim anytime you want. The company will be there to help you in every possible manner.

Q. What if I cancel the policy?

Answer: Once you cancel the policy, then the product will not exist for you. And the refund process varies from person to person and plan to plan.

Q. Can I avail of this policy if I am not an Indian National but living in India?

Answer: Yes, you can easily get a health insurance plan in India. However, the coverage would be restricted to India.

This article was written by,

Mayuri Navarkhele

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