United India Insurance Company – History, Quotes, Claim Process, Renew Policy, Health Insurance, Motor Insurance, Group Mediclaim, Property Insurance, Liability, Marine Insurance Engineering Insurance | Buy and Renew Policy Online

About United India Insurance Company Limited

United India Insurance Company is a Public Sector General Insurance Company owned by the Government of India and headquartered at Chennai. The Company was founded in 1938 and nationalized in 1972 and it now operates with over 1500 offices worldwide. 12 Indian Insurance Companies, 4 Co-Operative Insurance Societies and Indian operations of 5 foreign insurers and General Insurance Operations of Southern Region of Life Insurance Corporation of India were merged with United India Insurance Company. United India Insurance Company offers a range of Insurance products such as Health Insurance , Motor Insurance, Fire Insurance, Cyber Insurance, Marine Insurance, Liability Insurance etc. United India reported a Gross Written Premium of Rs19,853 Crores in FY24 v/s Rs17,644 Crores in FY23. The Loss After Tax stood at Rs804 Crores in FY24 v/s Rs2829 Crores in FY23. United India Insurance Company has a workforce of about 9,306 employees across 1359 Offices

History of United Insurance Company Limited

United India Insurance Company Limited (UIIC) was incorporated on February 18, 1938, and has a significant history in the Indian insurance industry. Following the nationalization of General Insurance in 1972, UIIC merged with other insurers, expanding its reach and becoming a major player.

Here are some key events in the history of United India Insurance Company

United India Insurance Company Limited: An Overview

What is the Claim Settlement Ratio of United India Insurance Company?

United India Insurance Company reported a Claim Settlement Ratio (within 3 months) of 96.63% for FY24. This means that the Company settled 96.63% of all Insurance Claims within 3 months.

How to Purchase a United India Insurance Policy?

There are two main ways policyholders can purchase a United India Insurance policy - the online process and the offline process.

Online Process to purchase a United India Insurance Policy

1. Go to United Insurance website <www.uiic.co.in>
2. Choose the type of policy you want to purchase - Motor, Health, Travel etc.
3. Click on the ‘Buy New Policy’ or ‘Get Quote’ button.
4. Provide the requisite details in the online proposal form, such as Personal Information, Sum Insured, Policy Term, and Nominee Details.
5. Upload necessary documents such as ID proof, Address Proof etc.
6. Pay the premium using net banking, UPI, credit/debit card or wallet.
7. The policy will be emailed to your registered email ID.

Offline Process to purchase a United India Insurance Policy

1. Locate the Nearest Branch or Consult an Insurance Broker: You can visit the nearest branch office of United India Insurance Company or alternatively contact Qian Insurance Brokers to purchase a United India Insurance Policy.
2. Fill the Proposal Form: Fill out the physical proposal form provided by the Broker or branch office. Provide necessary details such as personal information, sum insured, policy term, and nominee details. Pay the premium via cash, cheque, or demand draft (DD) at the branch office.
3. Receive Insurance Policy: Pay the premium via cash, cheque or demand draft and the Policy will be mailed to your address within 2 days.

How to Renew United India Insurance Policy?

United India Insurance Policy can be renewed both online and offline.

Online Process to Renew United India Insurance Policy

1. Go to United Insurance website, choose the type of policy you want to renew - Motor, Health, Travel etc and Click on the ‘Renew’ button
2. Enter Policy Number and provide your personal details and Policy Details. The Website will display the Renewal Premium
3. Pay the premium using net banking, UPI, credit/debit card or wallet.
4. The renewed Insurance Policy will be emailed to your registered email ID.

Offline Process to Renew United Insurance Policy

1. Contact Qian Insurance Broking or visit the nearest branch office of United India Insurance Company.
2. Provide relevant details along with the details of expiring Policy
3. The Qian Insurance Team will assist you with renewal quotes and to submit relevant documents.
4. Pay the premium via cash, cheque or demand draft.
5. The Policy will be mailed to your address within 2 days.

How to File a Claim with the United India Insurance Company?

The steps to file an Insurance Claim with United India Insurance Company are listed below

1. Intimate Claim: Go to the United India Insurance Website, Click on ‘Online Claim Intimation’, enter the relevant Insurance Policy number and register a claim by providing details like Insured Information, Date of Incident etc. The Company will provide a Claim Intimation number upon successful registration of the Claim.
2. Submit Claim Documents: Submit the Claim Form and other relevant documents such as surveyor’s report, FIR Report, Report of Losses, Bank Account details etc.
3. Claim Settlement: The Insurance Company will investigate the claim, inspect documents and process the claim amount if everything is found appropriate.

Personal Insurance Plans offered by United India Insurance Company

The United India Insurance Company offers a range of Insurance Policies for Individuals and Families such as Health Insurance, Motor Insurance and Travel Insurance Plans.

Motor Insurance Products offered by United India Insurance Company

United India Car Insurance Policy

The United India Motor Insurance policy provides Insurance Coverage for cars against Loss or Damage due to Accidents, Fire, Explosions, Riot/Strikes etc. and from Third-Party Liability.

Key Features of United India Motor Insurance Policy

1. The Motor Insurance Policy provides coverage under 2 Sections:
   • The Own Damage Section provides coverage against Loss or Damage to the Insured Vehicle due to various perils such as Accidents, Fire, Theft, and Natural Disasters.
   • The Third-Party Liability Section covers Legal liability to third parties for Death, Injury, or Property Damage caused by the Insured Vehicle.
2. United India Insurance Company has a network of 3500+ Network Garages where the Policyholder can avail cashless claim settlement.
3. The Policy provides various Add-On Covers are available like Zero Depreciation, Engine Protector, Return to Invoice, Roadside Assistance, Consumable Expenses Cover etc.
4. United India Motor Insurance Policy provides a No Claim Bonus of upto 50% for each claim-free year under the Policy

United India Two-Wheeler Insurance Policy

The United India Two-Wheeler Insurance Policy provides coverage to Two Wheelers against Loss or Damage due to Accidents, Theft, Fire, Natural Calamities etc. as well as Third-Party Liability.

Key Features of United India Two-Wheeler Insurance Policy

1. Comprehensive Coverage: The United India Two Wheeler Insurance Policy covers damages to the two-wheelers due to accidents, theft, fire, natural disasters, and vandalism as well as the legal liability for injuries or damages caused to third parties due to the insured vehicle.
2. No Claim Bonus (NCB): The Policy provides a No Claim Bonus of upto 50% for each claim-free year, which significantly reduces the Renewal Premium.
3. Add-On Covers: The Policy provides various add-on covers such as Zero Depreciation Cover, Accessories Cover, Roadside Assistance etc.
4. Quick Claims Settlement: The claims process is efficient, with timely assessment by surveyors to expedite settlements.

United India Commercial Vehicle Insurance Policy

The United India Commercial Vehicle Insurance Policy provides Comprehensive Coverage for commercial vehicles like trucks, buses, tempos, trailers, etc. against Loss or Damage to the vehicle due to Fire, Accidents, Natural Calamities etc. as well as legal liability coverage for Bodily Injury or Property Damage caused to Third Parties by the Vehicle.

Key Features of United India Commercial Vehicle Insurance Policy

1. The United India Commercial Vehicle Insurance Policy provides comprehensive coverage for Commercial Vehicles under 2 Sections: Own Damage Section and Third Party Liability Section. The Own damage Cover protects the Vehicle against loss or damage due to Accidents, Theft, Fire, Explosion, Self-Ignition, Lightning and other Perils while Third-Party Liability Cover provides cover for liability arising due to Bodily Injury or Property Damage caused to Third Parties.
2. The Policy provides various add-on covers like Roadside Assistance, Daily Cash Allowance, Consumables Cover, Return to Invoice etc.
3. Cashless claim settlement is provided across a wide network of authorized garages in India. This facilitates hassle-free repairs without any payment from the owner’s pocket.
4. No-Claim Bonus of 50%
5. Discounts on own damage premium for installing anti-theft devices which helps reduce the overall premium outgo.  

What is the Incurred Claim Ratio of United India Motor Insurance?

The Incurred Claim Ratio of United India Insurance Company for the Motor Segment stood at 86.95% in FY24 vs 103.43% in FY23.

What is the Claim Settlement Process for a United India Vehicle Insurance Policy?

A Vehicle Insurance Claim can be settled in 2 ways:

1. Cashless Claim Settlement
2. Reimbursement Claim Settlement

United India Cashless Claim Settlement Process – Motor Insurance

In order to avail of Cashless Claim Settlement under the United India Motor Insurance Policy, the Policyholder must follow the steps listed below:

1. Locate the nearest network garage covered by the United Motor Insurance Policy on <www.uiic.co.in> and bring the damaged car/bike to the same for repairs
2. Inform United India about the accident and damage to the vehicle by providing the necessary details such as Policy Number, Date, Time and Description of Accident
3. The Insurance Company will send a surveyor to the Garage to inspect the extent of damage after which the approval to begin repairs is given.
4. Once the approval is received, the Garage can commence repairs.
5. The Insured needs to fill in the claim form and provide the related documents mentioned in the form.
6. Once the vehicle is ready, the Insured needs to pay his share of the Claim consisting of Deductible, Depreciation etc. to the garage and drive off. The balance would be settled by United India Insurance Company directly with the network garage.

United India Insurance Reimbursement Claim Settlement Process – Motor Insurance

If the Policyholder chooses a non-network Garage, he will have to opt for Reimbursement Claim Settlement. The Reimbursement Claim Settlement for Motor Insurance is listed below:

1. Inform United India Insurance Company of the Accident on the Website
2. The Company will send a surveyor to assess the extent of damage
3. The Insured needs to submit the Duly Filled and Signed Claim Form along with the necessary documents mentioned in the form
4. The Insurance Claim is processed on receipt of documents and the Claim Amount will be credited to the bank account of the Policyholder

Health Insurance Plans offered by United India Insurance Company

United India Family Medicare Insurance Policy

United India Family Medicare Health Insurance Policy is a comprehensive Health Insurance Policy covering medical expenses of the Insured Family. The Policy provides coverage for Hospitalisation Expenses, Daycare Procedures, Pre and Post-Hospitalization Expenses, and more.

Key Features of United India Family Medicare Health Insurance Policy

1. United India Family Medicare Policy is a comprehensive Health Insurance Plan with Sum Insured Options ranging from Rs3 lakhs to Rs25 Lakhs. The Entry Age for adults is between 18 to 65 years and 91 days to 17 years for Dependent Children.
2. United India Family Medicare Policy has a Room Rent Limit of 1% of Sum Insured for Normal Rooms while ICU Room Rent is paid as per actuals for Policy Sum Insured of Rs5 lakhs and above
3. The Policy provides coverage for Pre and Post-Hospitalisation Expenses for 30 days and 60 days respectively subject to a maximum of 10% of SI for Pre & Post combined.
4. Policy provides Maternity Coverage of Rs40,000/Rs60,000 for Normal/Caesarean delivery after a Waiting Period of 24 months
5. Policy provides New Born Baby Coverage of from Day 1 to up to 90 days of age subject to a Limit of 10% of Policy Sum INsured
6. Policy provides coverage for Modern Treatment Methods
7. Restoration Benefit provided for Unrelated Illnesses during the Policy Year after the Basic Sum Insured has been partially or completely exhausted.
8. Policy provides coverage for Cataract Surgeries upto 10% of Sum Insured subject to maximum of Rs50,000/- per eye
9. Policy provides coverage for Mental Illnesses upto 25% of Sum Insured subject to maximum of Rs3,00,000/- per Policy Period
10. Waiting Period of 24 months for Specified diseases
11. Waiting Period of 48 months for Maternity Coverage
12. Waiting Period of 48 months for Pre-Existing diseases
13. Lifetime Renewal

United India Individual Health Insurance Policy

The United India Individual Health Insurance Policy is an Individual Health Insurance Plan offering a Sum Insured of up to Rs20 lakhs. The Policy provides extensive coverage for Hospitalization Expenses, Daycare Treatments, AYUSH Treatments, Maternity Expenses, Organ Donor Expenses etc.

Key Features of United India Individual Health Insurance Policy

1. United India Individual Health Insurance Policy is a Health Insurance Plan with Sum Insured Options ranging from Rs2 lakhs to Rs20 Lakhs. The Entry Age for adults is between 18 to 65 years and 91 days to 17 years for Dependent Children. The Policy is issued on an Individual Basis only. Floater Plans are not available.
2. United India Individual Health Insurance Policy has a Room Rent Limit of 1% and 2% of Sum Insured for Normal Rooms and ICU Rooms respectively.
3. The Policy provides coverage for Pre and Post-Hospitalization Expenses for 30 days and 60 days respectively subject to a maximum of 10% of Sum Insured for Pre & Post combined.
4. The Policy provides coverage for Domiciliary Hospitalization Expenses
5. Policy provides coverage for Modern Treatment Methods
6. Policy provides coverage for Cataract Surgeries upto 25% of Sum Insured subject to maximum of Rs40,000/- per eye
7. Major surgeries such as Cardiac Surgeries, Brain Tumour Surgeries, Pacemaker Implantation for Sick Sinus Syndrome, Cancer Surgeries, Hip, Knee, Joint Replacement Surgery, Organ Transplant Surgery are covered upto 70% of Sum Insured
8. Waiting Period of 24 months and 48 months for Specified diseases
9. Waiting Period of 48 months for Pre-Existing diseases
10. Lifetime Renewal

United India Yuvan Health Insurance Policy

United India Yuvan’s Health Insurance Policy is a Health insurance Plan offering wide coverage at affordable premiums. The Policy provides coverage for Hospitalisation Expenses, Pre and Post- Hospitalisation Expenses and Daycare Procedures.

Key Features of United India Yuvan Health Insurance Policy

1. United India Yuvan Health Insurance Policy offers Sum Insured Options ranging from Rs6 lakhs to Rs20 Lakhs. The Policy can be issued on an Individual Basis or Floater Basis. The Entry Age for adults is between 18 to 45 years and 91 days to 17 years for Dependent Children.
2. Patients are eligible for a Shared Accommodation Room
3. The Policy provides coverage for Pre and Post-Hospitalization Expenses for 60 days and 90 days respectively
4. The Policy provides a Cumulative Bonus of 50% for each Claim Free Year subject to a maximum of 100% of Sum Insured.
5. The Insured pays a Premium according to 3 Zones: Zone A, Zone B and Zone C
   • If the insured has paid the premium for Zone C, a co-payment of 15% applies to each claim for treatment taken in any city of Zone A.
   • If the insured has paid the premium for Zone B, a co-payment of 10% applies for each claim for treatment taken in any city of Zone A.
6. Waiting Period of 12 months for Specified diseases
7. Waiting Period of 12 months for Pre-Existing diseases
8. Lifetime Renewal

United India Super Top-up Medicare Policy

United India Super Top-Up Medicare Policy is a Super Top-Up Health Insurance Plan which provides health insurance coverage over and above an existing base Health Insurance Plan. The Policy provides coverage for Hospitalisation Expenses, Pre and Post- Hospitalisation Expenses and Daycare Procedures.

Key Features of United India Super Top-Up Medicare Policy

1. The Policy provides Sum Insured options ranging from Rs3 lakhs to Rs75 lakhs with Deductible Limits ranging from Rs2 lakhs to Rs25 lakhs
2. The Policy can be issued on an Individual Basis or Floater Basis. The Entry Age for adults is between 18 to 65 years and 91 days to 17 years for Dependent Children.
3. Pre-Hospitalization and Post-Hospitalization Expenses coverage of 60 days and 90 days respectively
4. Modern Treatment Methods are covered under the Policy subject to various Sub-Limits
5. Waiting Period of 48 months for Pre-Existing diseases
6. Lifetime Renewal

United India Arogya Sanjeevani Policy

United India Aarogya Sanjeevani Policy is a standard Health Insurance Policy mandated by IRDAI that provides coverage for hospitalization expenses, Pre and Post-Hospitalisation Expenses, Daycare Procedures etc. at nominal Premiums.

Key Features of United India Arogya Sanjeevani Policy

1. Various Sum Insured options are available from Rs50,000 to Rs10 Lakhs
2. Policy can be issued on an Individual Basis or Family Floater Basis
3. Pre and Post-Hospitalisation Expenses Coverage for 30 days and 60 Days
4. Room Rent Limit of 2% of Sum Insured subject to a maximum of Rs5000 per day for Normal Rooms and 5% of Sum Insured subject to a maximum of Rs10,000 per day for ICU Rooms
5. Cumulative Bonus of 5% per year for every claim free year, provided that the policy is renewed without a break every year, subject to a maximum of 50% of Sum Insured.
6. Cataract Surgery Limit of upto Rs. 40,000 per eye or 25% of Sum Insured whichever is lower
7. Modern Treatment Methods are covered upto 50% of Sum Insured
8. Co-Payment of 5% on each and every claim
9. Waiting Period of 36 months for Pre-Existing Diseases
10. Waiting Period of 24 and 36 months for Specific Diseases
11. The Premiums paid for the Policy are eligible for Section 80D Deduction under the Income Tax Act, 1961
12. Lifelong Renewal

What is the Incurred Claim Ratio of United India Health Insurance?

The Incurred Claim Ratio of United India Insurance Company for the Health Insurance Segment stood at 109.72% in FY24 vs 89.21% in FY23.

What is the Health Insurance Claim Settlement Process with the United India Insurance Company?

The steps to file a Health Insurance Claim with United India Insurance Company are listed below:

Intimate Claim

You need to intimate United India Insurance Company about the claim by either:

1. Go to the United India Insurance Company Website, Click on ‘Online Claim Intimation’ under the ‘Claim’ Tab, enter your registered Mobile Number/Email ID and the Insurance Policy Number and register a claim by providing details like Insured Information, Date of Hospital Admission etc.
2. The Insurance Company will provide a Claim Intimation number upon successful registration of the Claim

United India Health Insurance - Cashless Claim Settlement Process

To avail Cashless Claim Settlement under the United India Health Insurance Policy, the Policyholder must follow the steps listed below:

1. Locate the nearest network hospital covered by the United India Health Insurance Policy to avail treatment
2. Inform the Insurance Company about the hospitalization before 3-4 days in case of a planned hospitalization and within 4-5 hours in case of an emergency
3. Show the Health Card issued by the Insurance Company/TPA to the Insurance desk at the hospital
4. Fill the Pre-Authorization Claim Form provided by the hospital
5. The Hospital sends the Pre-Authorization Claim Form to the TPA for Claim Settlement
6. The TPA will inspect the details and inform the Insured about the approval or rejection of the Claim
7. Once the Claim gets approved, the hospital sends the expenses and receipts to the Insurer and the hospital gets reimbursed for the treatment expenses directly by the United India. The advantage of cashless claim settlement is that the Policyholder does not need pay any amount from his own pocket.

United India Health Insurance - Reimbursement Claim Settlement Process

If the Policyholder chooses a non-network hospital, he will have to opt for Reimbursement Claim Settlement. The Reimbursement Claim Settlement is listed below:

1. Inform the TPA within 24 hours of admission to the hospital. The TPA will provide the Policyholder with a Claim Intimation Number after the claim is raised so that the Claim Status can be tracked.
2. Make the payment to the hospital for the medical expenses incurred and keep original copies of all the Invoices.
3. Submit the required documents to the TPA
4. The TPA will verify the Claim Details, ask for additional documents if required and will approve or reject the Claim.
5. The approved Claim Amount gets credited directly to the Bank Account of the Insured

What are the documents Required for a Reimbursement Claim under a Health Insurance Policy?

The Insured needs to submit the following documents to United India Insurance Company to avail Reimbursement Claim Settlement under the Policy:

1. ID Proof, Policy Health Card and Address Proof
2. Duly Filled and Signed Claim Form
3. Pathology Reports
4. Medicine Prescriptions and Pharmacy Bills
5. Pre and Post-Hospitalisation Bills
6. Hospital Bills
7. Discharge Summary

Corporate Insurance Plans offered by United India Insurance Company

United India Insurance Company offers various Insurance Plans for Large Enterprises, MSMEs and Startups including Marine Insurance Policy, Industrial All Risk Insurance Policy, Product Liability Insurance Policy, Group Health Insurance Policy, Workmen’s Compensation Insurance, Professional Indemnity Insurance Policy, Cyber Insurance Policy etc.

Employee Benefit Insurance Offered by United India Insurance Company Limited

United India Group Mediclaim Policy

The United India Group Health Insurance Policy covers Hospitalisation Expenses of company employees under a common Health Insurance Plan. This Policy can also extend coverage to the families of Insured Employees, including Spouses, Dependent Children, and Dependent Parents. The Policy also provides coverage Daycare Procedures, AYUSH Treatments and Pre and Post-Hospitalisation Expenses in addition to Hospitalisation Expenses.

Key Features of United India Group Mediclaim Policy

1. United India Group Mediclaim Policy covers include In-Patient Hospitalisation Expenses, Day Care Procedures, Pre- and Post-Hospitalisation Expenses, Domiciliary Hospitalisation etc.
2. The Policy provides additional covers for Maternity Expenses and Cover for New-Born Baby from Day 1.
3. The Policy provides coverage for Pre-Existing Diseases from Day 1
4. Cashless Claim Settlement at 14,000+ Network Hospitals

United India Group Personal Accident Insurance Policy

United India Group Personal Accident Insurance Policy provides coverage to employees for Death or Disablement resulting from an accident.

Key Features of United India Group Personal Accident Policy

1. Death Cover: United India GPA Insurance Policy pays 100% of the sum insured as a lumpsum payment in case of death within 12 months of the accident.
2. Permanent Total Disability: The GPA Policy provides a lumpsum payment as a % of the Sum Insured in case of loss of sight, loss of limbs, etc. due to an accident.
3. Permanent Partial Disability: The Policy provides payment as a percentage of Sum Insured in case of Permanent Partial Disablement.
4. Temporary Total Disability: The United India Group Personal Accident Insurance Policy provides a weekly compensation upto 1% of Sum Insured or Rs 5000 per week, whichever is lower, for up to 100 weeks if accident results in Temporary Total Disablement.
5. Education Fund: United India GPA Policy provides additional payment as a percentage of Sum Insured for dependent children’s education in case of Insured’s Accidental Death or Permanent Total Disablement.
6. Medical Expenses: The Policy provides reimbursement of medical expenses incurred due to accidents as an add-on cover.

United India Insurance Workmen’s Compensation Insurance Policy

The United India Workmen’s Compensation Insurance Policy provides cover to employers against their legal liability to pay compensation to employees who suffer an injury, disability or death during the course of employment. The Policy provides compensation as per the Workmen’s Compensation Act 1923.

Key Features of United India Insurance’s Workmen Compensation Insurance Policy

1. United India Workmen’s Compensation Insurance Policy covers statutory liability of employers under Employees’ Compensation Act, Fatal Accidents Act, and Common Law.
2. The Policy pays compensation for Death, Permanent Total Disablement, Permanent Partial Disablement and Temporary Disablement of employees.
3. The Policy provides reimbursement of medical expenses incurred in treating employment related injuries.

Fire Insurance Policies Offered by United India Insurance Company Ltd

United India Standard Fire and Special Perils Insurance Policy

United India Standard Fire and Special Perils Insurance Policy provides coverage for loss or damage to property caused due to fire and associated Perils such as lightning, explosion, aircraft damage, earthquake, storm, flood etc. The policy provides coverage to Buildings, Plant and Machinery, Stocks, Furniture, Fixtures and Fittings where the Sum Insured across all insurable asset classes at one location exceeds Rs50 Crores.

Key Features of United India Standard Fire and Special Perils Insurance Policy

1. United India Standard Fire and Special Perils Policy provides coverage for Loss or Damage to Insured Assets by Fire and Allied Perils.
2. The Policy Coverage can be extended with various add-on covers such as Removal of Debris, Architect and Surveyor Fee, Coverage for Natural Calamities like Earthquake, Storms, Floods etc.
3. Claim Settlement can be on Reinstatement Value or Replacement Value Basis.
4. Exclusions like war, willful negligence, mechanical breakdown, theft, weather damages etc.

United India Industrial All-Risk Insurance Policy

The United India Industrial All Risk policy provides comprehensive insurance coverage for large industrial risks against loss or damage to Insured Assets. The Policy provides coverage on an All-Risk basis, thus offering much wider coverage as compared to a Standard Fire and Special Perils Insurance Policy.

Key Features of United India Industrial All-Risk Insurance Policy

1. The Policy covers Loss or Damage to the Insured Property, due to Fire Accidents, Theft or Burglary, Machinery Breakdown and Boiler explosion.
2. The Policy also covers Loss of Profit due to business Interruption on account of the following:
   • Fire Loss of Profit: The Fire Loss of Profit (FLOP) Section provides coverage for Loss of Profit following Loss or Damage to Insured Property due to Fire or allied Perils
   • Machinery Loss of Profit: The Machinery Loss of Profit Section provides coverage for Loss of Profit due to Machinery Breakdown, Boiler Explosion, or Electronic Equipment Failure.
3. The Policy also offers several add-ons covers to enhance coverage including coverage for Removal of Debris, Damage due to Terrorism Incidents, Fees for Architects and Surveyors etc
4. This Policy normally covers factory assets worth Rs. 100 crores or above under a single Policy across multiple locations in India. This is useful for large industrial houses with presence across multiple states.

United India Bharat Sookshma Udyam Suraksha Policy

United India Bharat Sookshma Udyam Suraksha Policy provides comprehensive coverage for Loss or Damage to Insured property due to Fire and allied Perils. The Policy is applicable for businesses where the Total Value at Risk across all Insurable Asset Classes at one location does not exceed Rs5 crores at the Policy Commencement Date and is suitable for small commercial establishments like shops, offices, hotels, schools, clinics etc.

Key Features of United India Bharat Sookshma Udyam Suraksha Policy

1. United India Bharat Sookshma Policy covers loss or damage to Building, Machinery, Furniture, Stock etc. due to various perils such as Fire, Explosion or Implosion, Lightning, Earthquake, Storms, Floods etc.
2. Policy provides add-on covers such as Architects, Surveyors and Consulting Engineers Professional fees , Removal of Debris etc.
3. Policy has few exclusions such as Loss or Damage due to War, Nuclear Perils or Pollution, Willful Negligence etc.

United India Bharat Laghu Udyam Suraksha Policy

The United India Bharat Laghu Udyam Suraksha Policy provides coverage against Loss or Damage to the Insured Assets due to Fire and allied Perils. The Policy is applicable for businesses where the Total Value at Risk across all insurable asset classes at one location is between Rs 5 crore to Rs 50 crore.

Key Features of United India Bharat Laghu Udyam Suraksha Policy

1. The Policy insures various assets such as Buildings, Plant and Machinery, Furniture, Fixtures and Fittings and Stocks against loss or damage due to Fire and Allied Perils.
2. The Policy provides coverage for Plant and Machinery on Reinstatement Value Basis
3. The policy excludes loss or damage due to War, Wear and Tear, Defects, Willful Negligence etc.

United India Bharat Griha Raksha Policy

United India Bharat Griha Raksha Policy provides Insurance coverage to overage to Residential Structures and its contents against various Perils like Fire, Explosion, Implosion, Lightning, Earthquake, Volcanic Eruption, Storms, Tempest, Flooding, Inundation etc.

Key Features of United India Bharat Griha Raksha Policy

1. United India Bharat Griha Raksha Policy offers coverage under 2 sections:
   • Structure Cover: The Home Structure Cover provides coverage for Physical Loss, Damage, or Destruction of the Building Structure due to Perils such as Fire, Explosion, Earthquake, Storm, Flood, Landslide etc.
   • Contents Cover: The Home Contents Cover provides coverage for Physical Loss, Damage, or Destruction of the general contents of your home caused by Insured Perils.
2. The Policy has add-on covers like Loss of Rent, Additional Rent for Alternative Accommodation
3. Multi Year Policy Duration from 1 Year to 10 Years

Liability Insurance Policies offered by United India Insurance Company Ltd

United India Public Liability Insurance Policy

United India Public Liability Insurance Policy provides coverage against legal liability of the Insured to pay damages on account of the Bodily Injury and Property Damage caused to third parties on Insured Company’s business Premises

Key Features of United India Public Liability Insurance Policy

1. The Policy provides coverage for Defence Costs and Compensatory Damages that the Insured becomes legally obligated to pay on account of Bodily Injury or Property Damage caused to Third Parties on the Insured’s Business Premises.
2. United India Public Liability Insurance Policy provides coverage for Industrial and Non-Industrial Businesses.
3. Policy provides Worldwide Territory and Jurisdiction coverage
4. Various Add-On Covers such as Technical Collaborators Extension, Liability arising out of Transportation are available

United India Product Liability Insurance Policy

United India Product Liability Insurance Policy provides coverage for Defence Costs and Compensatory Damages that the Insured becomes legally obligated to pay as a result of Bodily Injury or Property Damage caused to Third Parties because of using the Insured’s defective products.

Key Features of United India Product Liability Insurance Policy

1. United India Product Liability Insurance Policy is a crucial for product manufacturers, sellers, and distributors in India.
2. The Policy provides coverage for Defence Costs and Compensatory Damages.
3. Retroactive Date Cover - The Policy provides coverage for claims resulting from all incidents that occur after the Retroactive Date.
4. The Policy has an option to include various add-on covers such as Technical Collaborator’s Liability, Vendor’s Liability, Transportation Liability etc.

United India Cyber Insurance Policy

United India Cyber Insurance Policy protects businesses against a wide range of first and third party liability occurring out of cyber exposures. The Policy provides coverage against a wide range of Cyber Risks such as Privacy Breach, Business Interruption, Content Liability, Cyber Extortion etc.

Key Features of United India Cyber Insurance Policy

1. United India Cyber Insurance Policy provides coverage for Business Interruption caused because of a Cyber Event.
2. United India Cyber Insurance Policy provides coverage for First Party exposure like E-Theft, E-Communication, E-Threat, E-Business Interruption and E-Vandalism.
3. The Policy also provides reimbursement for PR Expenses, Forensic Costs, Data Restoration Costs following a Cyber Event.
4. The Policy provides coverage for Third Party Liability like Content Liability, Conduit Liability, Reputational Liability, Disclosure Liability and Impaired Access Liability following a Cyber Event.

United India D&O Liability Insurance Policy

United India Directors and Officers Liability Insurance Policy protects the directors and officers of a company against the legal liability arising out of Wrongful Acts committed by Directors and Officers in their managerial capacity. A Wrongful Act is defined as any actual or alleged Act, Error, Omission, Breach of Duty, Breach of Trust, Breach of Warranty or Authority, Misstatement or Misleading Statement

Key Features of United India D&O Liability Insurance Policy

1. The Policy covers Defense Costs and Compensatory Damages that the Directors and Officers become the legally liable to pay because of Wrongful Acts committed in their managerial capacity
2. The Policy provides cover for Non-Executive Directors, Retired Directors and Outside Entity Directors.
3. Automatic Coverage for newly acquired or created subsidiaries
4. Policy provides Worldwide Territory and Jurisdiction coverage

Marine Insurance Policies Offered by United India Insurance Company

United India Specific Voyage Marine Insurance Policy

United India Specific Voyage Marine Policy insures a single transit for any loss or damage to cargo whilst in transit. The cargo owner must purchase a separate Policy for each and every transit. The Policy provides coverage for Loss or Damage to Cargo by Insured Perils such as Sinking, Capsizing, Collision, Piracy, Theft, Jettison, War, SRCC etc.

Key Features of United India Specific Voyage Marine Insurance Policy

1. United India Specific Voyage Marine Policy insures a specific transit. This Policy is suitable for small business owners who do not have very frequent transits.
2. The Policy is applicable to multiple modes of transit, including sea, inland waterways, and land transport (road/rail).
3. The Policy Premium depends on voyage route, cargo type, vessel age/type, Sum Insured.

United India Marine Open Policy

United India Marine Open Policy covers all shipments by the Insured on an annual basis. The Policy eliminates the need to insure each transit separately, thus reducing the administrative hassle of issuing a separate policy for each transit. The Insured just needs to make a monthly declaration of all the transits that took place in the previous month.

Key Features of United India Marine Open Policy

1. The Marine Open Policy covers all shipments throughout the year; there is no need to issue a separate Policy for every transit. Insured must make periodic declaration of transits taking place to the Insurance Company
2. Premium Rate depends on nature of cargo, transit routes, type of conveyance etc.
3. The Policy provides coverage for Perils like Sinking, Collision, Fire, Lightning, Earthquake etc.
4. The Sum Insured under the Marine Open Policy can be increased during the Policy Period

Engineering Insurance Policies Offered by United India Insurance Company

United India Contractors All Risk Insurance Policy

United India Contractors All Risk Insurance Policy provides for Loss or Damage to Project Materials, Machinery as well as Third-Party Liability for Bodily Injury or Property Damage caused at a construction site. The Policy provides comprehensive coverage to contractors for various risks associated with under-construction civil projects.

Key features of United India Contractors All Risk Insurance policy:

1. United India Contractors All Risk Insurance Policy provides coverage to a wide range of construction projects like buildings, roads, bridges, power plants etc
2. Material Damage Section: The Material Damage Section of the CAR Insurance Policy covers Physical Damage to the Property under construction, protecting against Perils such as Fire, Lightning, Theft, and Burglary.
3. Third-Party Liability Section: The Third-Party Liability Section of the Contractors All Risk Insurance Policy provides coverage for the Legal Liability of the contractor for Bodily Injury or Property Damage caused to third parties because of work conducted on the site.
4. The Policy commences from the arrival of the first consignment at site and ends on successful commissioning of the project or expiry of the policy period, whichever is earlier
5. Various Add-On Covers available such as Removal of Debris, Professional Fees, Owner’s Surrounding Property to enhance Policy Coverage

United India Erection All Risk Insurance Policy

United India Erection All Risk Insurance Policy provides Coverage against risks associated with the during the erection, commissioning and testing stage of plants, machinery, and structures.

Key features of United India Erection All Risk Insurance Policy

1. Material Damage Section: The Material Damage Section of an EAR Insurance Policy provides coverage against the following risks:
   • Location Risks: Fire, Lightning, Theft and Burglary
   • Operation Risks: Insulation Failures, Short Circuit, Explosions etc.
   • Human Risks: Negligence, Carelessness
   • Natural Calamities: Storm, Floods, Earthquakes etc.
2. Third-Party Liability Section: The Third-Party Liability Section provides coverage for the legal liability of the contractor for bodily injury or property damage caused to third parties because of work conducted on the project site.
3. The Policy commences from the arrival of the first consignment at site and ends on successful commissioning of the project or expiry of the policy period, whichever is earlier

Get Best Quotes for United India Insurance Policies with Qian!

Qian is a licensed Insurance Broker with United India. We can assist you with all Insurance Policies as well as Claim Settlement Process with United India Insurance Company. Get a Quote for United India Insurance Company’s Insurance Policy with Qian at insurance@qian.co.in or call us on 022-35134695. We would be glad to assist you.