United India General Insurance
Incorporation of the United India Insurance Company got under way in 1938. Following the nationalisation of the General Insurance business in India in 1972 a giant entity was formed by merging 12 Indian Insurance companies, 4 Co-operative societies and the Indian businesses of 5 foreign insurance companies with the United India insurance company.
It experienced incredible growth after the nationalisation as it currently has more than 2009 Offices and serves over 1.74 customers cutting across all sectors of the society. There are numerous insurance covers: ranging as far as bullock cars to even satellites. They also have a difference in designing covers of big-sized clients such as ONGC, GMR Hyderabad International Airport, and Tirupati Devasthanam.
They have Pan-India presence, and by having such presence they can focus on the needs of the people residing in even the tier-2 and tier-3 towns through their micro-offices.
Vision
Being the most preferred and trusted General Insurance Provider in India. To benefit all the customers and Stakeholders To become a great place to work To have the recognition of contribution to the community through their contribution.
Mission
To offer Insurance Cover to all persons and make them happy. As a way of giving their own contribution to the development of Indian economy
Rewards and Appreciations
- Skoch Award on ICT based Innovation of M-Power
- SKOCH Award 2018- Best in Class Crop Insurance Program
- Best Insurance Company in the implementation of the Govt. Health Schemes
United India Insurance: Overview Guide of 2025
United India Insurance Company Limited is one of the most reliable general insurance providers amongst the companies of India, covering a wide area of variety of insurance products that it offers which includes a diversified line of products starting with motor insurance, health insurance, travel insurance, property insurance and also insurance products like rural insurance, micro-insurance, etc. It is a government backed public sector undertaking and was established in 1938 which was nationalized in 1972. In 2025, United India Insurance (UllC) remains relevant and continues to quickly adapt to changing customer needs across India’s rapidly developing insurance landscape.
This article is going to discuss its new products, customer advantages, procedure to apply, claim settlement effectiveness, digitalization, service delivery, its popularity avoidance, expert opinion, and a speedy comparison with other top leading insurers in India.
Who Is the United India Insurance and Why Is It Important in 2025?
United India Insurance Company is a general insurer company which is owned by the government and is based in Chennai. It also maintains 4 regional offices and other 2,000 plus branch-cum-micro offices distributed throughout the country, and it reaches millions of people every year. Under its tailor made insurance plans, UIIC provides cover against a number of dangers that affect both individuals and businesses.
By 2025, as the insurance industry in India grows and the government pays more attention to inclusive insurance, it is paramount that UIIC enjoys wide presence and affordable policies. The combination of decades-old experience in this field and the digital modernization brings the company to the unique position between the competitors, both private and state-owned.
What is the United India Insurance?
United India Insurance operates under the regulations set by the Insurance Regulatory and Development Authority of India (IRDAI). It receives premiums of the policyholders and in its support offers cover of specific risks which have been predefined. When a policy holder suffers a loss or damage that falls under the policy cover, the policy holder may make a claim. The claim is settled by UIIC after an adequate assessment and verification by direct payment or by reimbursement.
Insurance Consultant Point of View:
Insurance consultants opined that since UIIC is owned by the government and operates within the guidelines set by IRDAI, the insurer is a very safe bet among first-time and rural policyholders.
Which of the Best Insurance Products Will UIIC Deal with in 2025?
By 2025, United India Insurance will have extended its portfolio into new areas of motor and health insurances. Among others important offerings are:
- Health Insurance Plans: Family floater covers, senior citizen covers, maternity covers, top up mediclaim and cashless treatment facilities in 7000 plus network hospitals.
- Motor Insurance: Presenting third-party as well as comprehensive car and two-wheeler insurance schemes along with rapid claim settlements.
- Travel Insurance: International travel, student cover, and corporate tours covers.
- Home and Property Insurance: Insurance on fire, burglary, natural disasters and structure insurance and contents.
- Personal Accident & Group Insurance: Specific covers of accidental death and disability to individuals and organizations.
- Micro Insurance Product: Special products designed at low premiums to the farmers, self-help groups, and rural families.
Interestingly, did you know? United India Insurance became one of the earliest companies to collaborate with government schemes such as Pradhan Mantri Fasal Bima Yojana and Ayushman Bharat and take the affordable covers to rural India.
Which Are the Principal Features of United India Insurance Services?
United India Insurance is concerned with keeping insurance easy, reachable and dependable. The highlights can be seen as:
- Extensive point of branches and hospital tie-ups (cashless)
- Online process of purchasing and renewing policies is simple
- Rapid payment of claims with customer-centered service
- Individual or family insurance plans, SME insurance, large corporate insurance, and rural group insurance
- Large discounts on long-standing customers and group insurance purchasers
- 24 hours Of toll free support
Minor Highlights Table
| Feature | Details |
|---|---|
| Network Hospitals | 7000 plus |
| Branches Cum Micro Offices | 2,000 plus |
| Claim Settlement Ratio (2024) | 94 percent (Health), 91 percent (Motor) |
| Digital Policy Issuance Time | In less than 15 minututes |
| Rural outreach | Over 400 village centers |
Expert Insight: Insurtech professionals note that the mobile application, and chat bot services of UIIC have boosted its Net Promoter Score by 18 percent between 2022 and 2025, especially among young people in the urban settings.
Where to buy United India Insurance Policies in 2025?
Purchasing an insurance cover under UIIC has become simple and straightforward with digitalization after the spread of the pandemic. This is the procedure that generally occurs:
- Go on the official UIIC website or app
- Select the required insurance product (Health, Motor, etc.)
- Complete risk and personal information
- Make your sum insured and add-ons selection, where necessary
- Upload KYC files and make payment via the internet
- Access policy document electronically in real-time by mail or application
Otherwise, you can personally visit any branch of UIIC or communicate with the official agents of your area.
Which Documents are Required at United India Insurance?
The customers have to fill in the following information to purchase any UIIC policy:
- ID and address proof (Aadhaar, PAN, Voter Card)
- Recent photographs
- Health insurance medical records
- Motor insurance -vehicle registration certificate
- Property insurance bills (utility)
PeoplePhotoAlso Ask:
How can I renew my United India Insurance policy which is expired in 2025?
Even after the lapse of the policy within 90 days, you can perform quick renewal by clicking onto your UIIC online account and fill in the policy details and pay online.
In what Is the claim settlement process in United India Insurance by 2025?
The settling of the claims in a quick and transparent way is among the most crucial factors to the insurance buyers. AI-based claim assessment, video verification, and digital documentation have been used by UIIC as a tool to strengthen its processes.
What is the Way to Lodge a Claim with the United India Insurance?
- Notify UIIC about the loss via app, website, or toll-free number within 48 hours (in most cases)
- Submit required claim form and supporting documents (FIR for theft, bills for health, etc.)
- In case of health insurance, receive cashless treatment at the network hospitals or reimbursement in any non-network hospital
- The surveyor can be appointed based on type and value of the claim
- Claim photos To make car claims, send photos or get a video inspection
- After evaluation, get direct payment or reimbursement within 5-7 business days (typical for cashless health and motor claims)
Claim Settlement Comparison Table (2024 Data)
| Insurer | Health CSR (%) | Motor CSR (%) | Avg. Settlement Time (Days) |
|---|---|---|---|
| United India | 94 | 91 | 7 |
| New India Assurance | 95 | 89 | 8 |
| Oriental Insurance | 93 | 89 | 10 |
| HDFC Ergo | 92 | 94 | 5 |
You don’t know? United India Insurance has also launched exclusive phone over claims to assist non-English speaking customers with the Hindi, Tamil, Bengali and seven regional languages.
Advantages and Disadvantages of United India Insurance.
Now let us look at the main advantages and some possible disadvantages when opting for UIIC in 2025.
Pros
- Fine presidential ownership and economic soundness
- Maximum product coverage of rural, semi urban and urban markets
- Open declarations and lack of concealments
- Digital policy issuance and the claim process is quick
- Health and motor insurance claim settlement ratio is high
- Low cost micro and group insurance products
Cons
- Digital experience and app interface might be primitive in contrast to major proprietary insurers
- Other customers complain of a slower service in less urbanized states
- Claim reimbursements are longer than the cashless options
- Premium rates for certain plans (eg, super top-up) may not be the lowest in the market
People also ask:
Can the United India Insurance offer better health insurance than the privately-run insurers?
Families or those having Tier 2/3 cities can have more assurance with the government support of and increased rural hospital tie-up through UIIC. Urban users can be offered more app features and customization by the private insurers.
Where Does United India Insurance Stand with Other Public/Private Insurers?
How about we compare the United India Insurance with a large publicly held and a small privately owned health insurance company?
Comparative Table: United India Insurance vs New India Assurance vs ICICI Lombard (2024-25)
| Feature | United India | New India Assurance | ICICI Lombard |
|---|---|---|---|
| Tenure | Government | Government | Private |
| Health CSR (%) | 94 | 95 | 93 |
| Rural Branches | 1600 | 1400 | 500 |
| Network Hospitals | 7000 | 6500 | 8500 |
| Mobile App Usability | Good | Good | Good |
| Family of 4 premium | Approx. 13,800 | Approx. 14,200 | Approx. 14,600 |
| Add-on Coverage | Yes | Yes | Comprehensive |
| Customer Support | Omni channel | Omni channel | Omni channel |
Expert Opinion: According to risk management experts, although the predictability and the trust of the government are higher in established PSUs such as the United India, the innovative add-ons and cashless wellness are fascinating to millennials as digital-driven privately held companies enable them to access convenient benefits in 2025.
Why United India Insurance is Popular With Indians?
By 2025, the reasons that keep UIIC as a desirable insurer are:
- Their inclusive participation, particularly, of farmers, low-income people, and families of rural areas
- Clear communication with the customers and online renewal ease
- Full involvement in the government flagship insurance plans
- Uninterrupted claim settlement event of even a disaster such as floods and pandemic
- Efforts to advance to digital filing of claim as well as premium calculators and WhatsApp customer care
The User Friendliness of the Digital Experience of United India in 2025?
United India Insurance has undergone an investment in the improvement of its mobile app and the web resource, which added chatbots, premium calculators, and online KYC. Although it cannot be the most exciting portal, one can:
- Keep track of the policy status or file claims at any time
- E-policy can be downloaded immediately after the payment
- Merging up basic details and renew policies
- Live chat during the working hours
They have added voice search and local languages to make the app accessible to the people in the rural areas.
Did you know? Since its launch in late 2023, WhatsApp-based claim filing service by UIIC has progressed to over 23 percent of first-time policyholders (only rural in Tamil Nadu) by 2025.
What should first time buyers of UIIC insurance policies understand?
Here are some of the tips you need to know in case you are planning to purchase the first insurance policy with United India:
- Look at what you really need in terms of insurance: Do not purchase or include cover or attachments that you do not require.
- Probe into the policy wordings, coverages, and exclusions.
- Also present all filing papers in a truthful manner, and examine hidden dangers.
- Retain e-policy and receipts of payments.
- Explain procedures of submitting claims when buying the policy.
- When you are already predisposed to illnesses due to family history, consider taking up critical illness or top-up riders in your health plan.
People ask also:
Will I be able to transfer my current medical cover to United India Insurance in 2025?
Yes, the policy can be ported to United India during renewal including the conditions of IRDAI portability of policy and prior claim or lapsed policy details.
What is the Process of Customer Care and Complaint at United India Insurance?
BOM’s mail service, vehicle delivery, agricultural administration, volunteer civilian defense force, sickness insurance, insurance, rural health service, eviction and health improvement, fun services, reforestation, customer care framework for UIIC in 2025 embraces:
- 24hr toll free helpline in case of emergency
- Rural area regional language call centers
- Special policy problem or dispute email counseling
- Branch/ zonal level grievance redressal officer
- Appeal to Ombudsman in case of an unsatisfactory resolution
The average time spent to redress customer complaint in 2024 was lower than 4 days as compared to 2022 at 8 days as the surveys revealed.
Where will United India Insurance be in the future?
United India Insurance has a stable future with the support of the government, demand of further rural penetration, and technology-aided performance enhancement in 2025. Within some years, the company is likely to launch more personalized and digital-front products that reach Gen Z, and underinsured areas, potentially partnering with fintechs to distribute micro-insurance.
Quick Synopsis or Summary
In 2025, United India Insurance Company is one of the government trusts in insurance companies that deal with health insurance, motor, travel, rural, and group insurance. It provides high claim settlement ratios, countrywide coverage and low premium plans. UIIC enjoys a good reputation of service and can be trusted by government, hence, a good option by any family, rural residence, and first time buyer, with basic, plain insurance facility. The users are able to purchase policies and claims conveniently through the Internet, without having to miss out the gigantic aid offline.
People also ask: FAQ
Does United India Insurance only apply to the population in rural areas?
No, although UIIC is a strong rural player, it provides insurance to urban folks, semi urban residents as well as people of rural India.
What is the average claims settlement of United India Insurance in 2025?
Claims on health and motor are normally paid within 5 to 7 working days when the documents are complete and no need of further investigation.
Is it possible to purchase or renew my United India Insurance policy in a fully online way?
In fact, most of the UIIC policies are now bought / renewed online through an app or web, using Aadhaar linked eKYC and real time digital payment.
Why is United India more superior to other state-owned insurers?
UIIC is mostly preferred due to its rural penetration, good rates of health claim settlement, low insurance rates, and embedded government schemes.
What is the process of querying the status of United India Insurance claim?
You can either use the official app/website by entering your claim number and getting real time updates or you can use the toll free 24 hours customer care line.
Does United India Insurance provide services in local language?
Yes, UIIC offers customer care and claim registration as well as important communication in various languages in India in order to have regional access.
Are United India Insurance products available to the NRI?
Yes, Non Resident Indians will be allowed to purchase some health, travel and property insurance products online on a non-KYC and non-eligibility basis based.
What are typical exclusion on United India policies?
There are many exclusions such as pre existing diseases in the first years, willful misconduct, war damage, and undeclared risks.
Will United India insurance provide a cashless hospitalization throughout?
The UIIC provides cashless hospitalization in 7000 plus network hospitals; check the current list of network hospitals or contact your local branch.
What is my contact with the United India Insurance customer service in 2025?
You may use the 24x7 toll free number, WhatsApp support, email customer care or personally visit any nearest UIIC branch.
Sources:
Authorized United India Insurance immediate: uiic.co.in
IRDAI annual reports and segment reports : irdai.gov.in
March 2025, Live Mint, Economic Times Insurance insights
