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The general insurance products provided by the United India Insurance Company Limited are a smart choice that suits many people. The company’s plans offer a wide range of exclusive products that meet out with the needs of every customer. Through United India General Insurance Claim & Renewal, customers would easily get to know about the claim process, claim settlement and renewal process of different products.
Types of United India General Insurance Claims
- Motor Insurance Claims
- Health Insurance Claims
- Personal Accident Insurance Claims
- Householder’s Insurance Claims
- Shopkeeper’s Insurance Claims
United India Health Insurance
Claims
Eligibility for filing insurance claim
For filing a claim at the insurance company, one needs to be aware of a few things and follow the following eligibility criteria-
- The concerned hospital at which the treatment is meted out must be registered and should have a valid license.
- The ailment should be among the ones mentioned in the policy.
- The policy should be active at the time of the treatment.
- All the original documents which include the medication bills, test reports and other treatment and hospital related records need to be preserved as proofs.
- There should not be a delay in filing the claim and one must hence follow the terms and conditions of the company’s policy while filing the claim.
Documents required for claim process
For filing a claim and making sure that it is successfully accepted by the United India Health Insurance, there are certain documents which are a must to be submitted with the claim request which include:
- All the original bills with stamps and signatures from the hospital authorities.
- The claim form which should have all the relevant details and signatures before getting submitted.
- The original discharge report also needs to be submitted to the Insurance Company.
- All the original reports which are linked with the treatment like the test reports, medicine bills etc. also need to be deposited.
- You also need to send the future line of treatment along with the follow up checkups by the relevant doctors.
How to download claim form
Visit the official website of the United India Insurance Company and here, you will be able to find the claim form as per the health Insurance plan that you have invested into on the website itself. There will be a separate page for the claiming process and related issues.
Claim Process
For filing a cashless claim, the first step that one needs to follow is to inform the insurance company. In case of emergencies, it has to be checked and verified whether the hospital comes under the networked hospitals or not as cashless claims are available only for networked hospitals. For planned hospitalisation, intimations need to be sent to the TPAs with the details of the hospital and the set number of hours before the patient’s admission into the hospital.
Renewal Process
Mentioned below are the steps for United India Health Insurance Renewal:
- Visit the official website of United India Insurance at https://uiic.co.in/
- Click “Renew Now” tab mentioned on the top right corner
- Choose your health insurance plan
- Enter Policy Number and Click “Proceed”
- Select your plan
- Make payment through different online mode available
United India Motor Insurance
Claims
Eligibility Criteria for filing insurance claims
- Insured should be above 18 years of age
- Insured should carry a valid driving license
- Vehicle should have valid registration certificate
Claim Process
- Contact the policy issuing office of United India as early as possible
- In case of any major accidents occurred keep the vehicle at the accident spot until the surveyor comes
- In case of any third party injuries/deaths inform the nearest police station about the incident with full details.
- After all the formalities are over, you can move your vehicle to the any of the nearest authorized workshop of your choice. Obtain the estimate receipt and submit the same along with the claim form to insurer.
- After the detailed analysis of the documents company will reimburse the bills
Documents Required for Claim Process
Mentioned below are the lists of documents required for claim process:
- Original claim forms
- Copy of Vehicle Registration Certificate (RC)
- Copy of Driving License (DL)
- Copy of policy document
- FIR copy
- Attested repair bills
- Cash receipt and proof of release
- Pan Card/Passport or any other details for identification
How to Download Claim Form
Customers are provided with offline method for motor insurance claims. For this, visit the official website of the insurer and click claims. Select Two Wheeler/ Private Car or Commercial Vehicle as per the requirement.
Renewal Process
Mentioned below are the steps for United India Motor Insurance renewal:
- Visit the official website of United India Insurance at https://uiic.co.in/
- Click “Renew Now” tab mentioned on the top right corner
- Click “Motor Policy”
- Enter Policy Number and Click “Next”
- Select your plan
- Make payment through different online mode available
Claim Settlement Ratio
It refers to the ratio of all death claims approved by the insurer to the total claims filed by the nominee. In other words, it is the percentage of claims settled out of total number of claims filed by individuals.
Cases where you can’t make claims for insurance
The norms of United India General Insurance are bound by its guidelines and the claims are granted only on the basis of this. In certain cases, the claims might be rejected by the company, some of these may be:
- Not filing the claim form within the allowed and set period of treatment.
- Lack of sufficient and relevant information in the form filled.
- Non-inclusion of the disease/ailment in the plan for which the claim was filed.
- Mistake in the claim form or lack of documents
Details required for renewal
Just like any other general insurance provider, the United India General Insurance Renewal also needs a few details for the completion of the process. The policy holder has to enter just simple details like his/her policy number, date of birth, registered contact details and other simple registered information if required.
Renewal premium calculation
The renewal premium calculation is a healthy step for one’s finances while thinking before investing into any policy. The renewal premium calculator makes sure that you are able to pay your premiums at the right time henceforth, supporting your financial stability.
Grace Period for Renewal
United India General Insurance has a policy in which it grants a grace period of 30 days for the renewal of the health insurance plan.
Disadvantages of not renewing your general insurance on time
One needs to renew the general insurance policy from time as failure in being able to do so leads to one’s own loss both in terms of financial safety as well as past investments. If the plan is not renewed at the end of its tenure, the customer loses the rights over all the features and benefits of the policy which makes all the previous investments that had been made into the plan go in vain. The policy holder hence even if wishes to continue the relation with the same company will be treated as a new customer.
How to apply for claim settlement?
A few simple steps have to be followed for claiming the health insurance. Make sure to follow the following:
- As per the norms of United India Health insurance, it is essential to register for the claim within 7 days of the insured individual’s discharge and let the company know about the same.
- The claims form has to be filled and submitted properly along with a photocopy of a valid ID proof with it.
- All the required medical certificates, documents and diagnosis reports have to be sent after having them signed by the doctor.
- You also have to submit all the reports and the discharge summary as proofs at the company’s office.
Only after the claim process is cleared, the company would approve of your claim.
FAQs
Q. When do I become applicable to renew my policy?
A. You can renew your policy only from 30 days before its expiry date till the day it expires.
Q. At what email address am I supposed to send the documents and details when required for my policy?
A. In case of any amendments to your previous details, you can mail them at online.policy@uiic.co.in
Q. How can the payments be made?
A. For the payments, one can use any of the modes from internet banking or debit cards or credit cards or IMPS.
Q. How can I view the terms and conditions of the policy?
A. For checking the terms and conditions, visit the official website of the company. On the home page there is a link on the menu bar called “downloads”. All the details regarding terms and conditions can be found here.
Q. What parameters need to be noted down regarding the payment?
A. You need to have the transaction ID, date of transaction, transaction amount and the name of the payee/insured person.
Q. What are the modes of premium payment?
A. Customers can opt for both online as well as offline mode for premium payment. Through online mode, customers can pay through debit card, credit card, net banking, ECS and others. On the other hand, offline mode requires individuals to visit the nearest branch office for paying premium through cash mode.