United India Insurance Company Limited is one of India’s oldest and most trusted general insurance providers. Established in 1938 and nationalised in 1972, it has built a strong legacy in the Indian insurance space. With over 1,300 offices and more than 17,000 employees, the company serves millions of policyholders across the country.
United India Insurance plays a pivotal role in extending insurance coverage to both urban and rural India. The company is known for its innovative insurance products tailored for individuals, businesses, and large-scale industries. It has also been instrumental in implementing social security schemes such as Pradhan Mantri Fasal Bima Yojana and Rashtriya Swasthya Bima Yojana.
With a comprehensive range of insurance solutions—including health, motor, home, marine, industrial, and liability insurance—United India Insurance stands as a full-service insurer. It consistently ranks among the top public-sector general insurers in India and maintains strong financial ratings from independent agencies.
Company Background
Founded in 1938, United India Insurance was formed as a private entity and became a government-owned undertaking after the nationalisation of general insurance in 1972. Since then, it has grown to be a leading public sector insurer with a pan-India presence.
Timeline of Growth and Evolution in India
- 1972: Nationalised under the General Insurance Business (Nationalisation) Act.
- 1984: United India becomes one of the four subsidiaries of General Insurance Corporation.
- 2000s: Rapid digitalisation and expansion in rural markets.
- 2010 onwards: Active in government-backed insurance schemes and digital transformation.
Key Milestones and Business Highlights
- More than 1 crore active policies.
- Issued over 10 lakh health insurance policies in a single year.
- Implementation partner for several flagship government schemes.
- Received multiple awards for customer service and claims processing.
Mission and Vision
- Mission: To provide insurance protection to all and deliver high-quality services with transparency and integrity.
- Vision: To be the most admired insurance company in terms of customer service, growth, and profitability.
Why Choose United India Insurance Company?
1. Legacy of Trust
With over 80 years of experience, United India Insurance has earned the trust of millions. It is backed by the Indian government, giving policyholders added security and confidence in its operations.
2. Wide Product Portfolio
The company offers an extensive range of general insurance products to suit every need. From basic health and motor insurance to complex industrial and liability covers, the portfolio caters to individuals, SMEs, and large enterprises.
3. Pan-India Network
With offices in every state and major town, United India Insurance ensures easy accessibility. Their widespread reach makes policy servicing and claims processing convenient even in remote locations.
4. Affordable Premiums
Their insurance products are competitively priced. Whether you’re a salaried individual or a business owner, their plans are designed to offer maximum value for money without compromising on coverage.
5. Fast Claims Settlement
United India is known for its efficient and transparent claims process. Dedicated claims teams and user-friendly digital portals ensure that policyholders face minimal hassle during emergencies.
6. Strong Financials
As a public sector undertaking, United India Insurance enjoys strong capital backing. This ensures financial stability and the ability to meet claim obligations without delays.
7. Social Inclusion Initiatives
The company is deeply involved in social and financial inclusion, offering micro-insurance and health schemes to economically weaker sections.
8. Technological Innovation
Embracing digital transformation, United India Insurance provides online policy issuance, renewal, claim intimation, and mobile-based services. Their portal is intuitive and user-friendly.
Product Portfolio Overview
- Health Insurance
Health insurance from United India Insurance offers comprehensive protection against medical expenses. These plans cover hospitalisation, pre- and post-hospitalisation, and critical illness benefits.
Different Plans
- UNI Medicare Policy: Offers cashless hospitalisation and covers a broad range of treatments.
- UNI Senior Citizen Health Policy: Specially crafted for policyholders aged 60 and above.
- Family Medicare Policy: Covers all family members under a single sum insured.
What is Covered:
- In-patient hospitalisation expenses
- Daycare treatments
- Pre and post-hospitalisation expenses
- Critical illness cover
- Cashless facility at network hospitals
What is Not Covered:
- Cosmetic or aesthetic procedures
- Pre-existing diseases (initial waiting period)
- Experimental or unproven treatments
- Self-inflicted injuries
- Non-medical expenses like registration fees
- Motor Insurance
United India offers motor insurance for cars and two-wheelers, covering damage to the vehicle, third-party liability, and personal accident coverage.
Different Plans
- Private Car Package Policy
- Two-Wheeler Insurance Policy
- Commercial Vehicle Policy
What is Covered:
- Accidental damage to own vehicle
- Third-party liability
- Theft or burglary
- Fire and natural calamities
- Personal accident cover for driver
What is Not Covered:
- Drunk driving-related incidents
- Driving without a valid licence
- Mechanical or electrical breakdown
- Regular wear and tear
- Damage outside the geographical area
- Shopkeeper’s Insurance
It is designed to protect small shop owners from risks to property, stock, and liabilities arising from business operations.
Different Plans
- Shopkeepers’ Package Policy: Bundled product covering multiple risks.
- Fire & Burglary Specific Plan
- Liability Add-on Plan
What is Covered:
- Fire and allied perils
- Theft and burglary
- Accidental damage to property
- Employer’s liability
- Personal accident for employees
What is Not Covered:
- Consequential losses
- Willful negligence
- War and nuclear risks
- Losses from unlicensed businesses
- Underinsurance issues
- Personal Accident Insurance
This category of insurance offers financial assistance in case of accidental death, disability, or injury.
Different Plans
- Individual Accident Policy
- Group Personal Accident Insurance
- Workmen Compensation Insurance
What is Covered:
- Accidental death
- Permanent total disablement
- Temporary total disablement
- Hospital daily allowance
- Funeral expenses
What is Not Covered:
- Suicide or self-inflicted injuries
- Accidents under intoxication
- Pre-existing injuries
- War or nuclear risks
- Criminal activity
- Home Insurance
These policies protect homeowners against losses due to fire, theft, natural calamities, and more.
Different Plans
- Standard Fire & Allied Perils Policy
- Householder’s Package Policy
What is Covered:
- Fire, lightning, storm, flood
- Burglary and theft
- Damage from riots or strikes
- Earthquake (optional add-on)
- Household content cover
What is Not Covered:
- Deliberate damage
- Items not declared
- Loss due to poor maintenance
- Wear and tear
- Valuables not specifically insured
- Marine Insurance
Marine insurance policies protect goods in transit, whether by sea, air, rail, or road.
Different Plans
- Marine Cargo Open Policy
- Marine Specific Voyage Policy
What is Covered:
- Loss or damage in transit
- Stranding, sinking, fire
- Theft or pilferage
- Loading/unloading risks
- Warehouse to warehouse coverage
What is Not Covered:
- Delay in delivery
- Inherent vice of goods
- Loss from insufficient packing
- War and nuclear hazards
- Illegal shipments
- Fire Insurance
Covers damage to property due to fire and allied perils such as lightning, explosion, and storm.
Different Plans
- Standard Fire and Special Perils Policy
- Industrial Fire Insurance
What is Covered:
- Fire and explosion
- Storm, cyclone, and flood
- Riot and strike
- Impact damage
- Overflowing water tanks
What is Not Covered:
- Intentional damage
- War and nuclear events
- Pollution
- Consequential losses
- Poor maintenance-related damage
- Industrial Insurance
These policies are tailored for large manufacturing and industrial establishments to cover property, machinery, and liability.
Different Plans
- Machinery Breakdown Policy
- Industrial All Risk Policy
What is Covered:
- Property damage
- Machinery breakdown
- Loss of profits
- Employee liability
- Natural disasters
What is Not Covered:
- Operational errors
- Underinsurance
- Normal wear and tear
- Damage during maintenance
- Cyber risks
- Liability Insurance
These policies provide protection against third-party claims from injuries or damages caused during business operations.
Different Plans
- Public Liability Policy
- Product Liability Insurance
- Employer’s Liability Cover
What is Covered:
- Third-party bodily injury
- Property damage
- Legal expenses
- Employee injury
- Pollution liability (select cases)
What is Not Covered:
- Intentional violations
- Contractual liabilities
- Fines and penalties
- Known defects
- Illegal activities
- Credit Insurance
This insurance offers protection against payment defaults by customers, especially for exporters and businesses dealing on credit terms.
Different Plans
- Trade Credit Insurance Policy
- Export Credit Insurance
What is Covered:
- Buyer insolvency
- Protracted default
- Political risks (for exports)
- Currency inconvertibility
- Legal costs for recovery
What is Not Covered:
- Fraud by buyer
- Non-contractual disputes
- Related party transactions
- Bad debts known at inception
- Sales to government entities without permission
Claims Process
United India Insurance simplifies the claims process with user-friendly online and offline procedures.
Steps:
- Intimate claim via portal, call centre or branch office.
- Submit the claim form and required documents.
- Surveyor/assessor is appointed for damage verification.
- Assessment report is processed.
- Claim amount is disbursed via NEFT/cheque.
Renewal Process
Policyholders can renew their policies easily through online and offline platforms.
Steps:
- Visit the United India Insurance website.
- Click on ‘Renew’ option under policy type.
- Enter policy number and other required details.
- Confirm coverage and make premium payment.
- Receive digital copy of renewed policy.
Distribution Network
Community Engagement and Financial Literacy
United India organises awareness drives, policy education workshops, and financial literacy camps, especially in rural areas.
Green Insurance and ESG Strategy
It promotes e-policy issuance and paperless claims, actively reducing carbon footprint. ESG-compliant investments and responsible underwriting are being prioritised.
Health and Wellness Campaigns
The company collaborates with hospitals and NGOs to run wellness checks, vaccination drives, and preventive healthcare seminars.
Awards and Recognitions
- Best Public Sector General Insurance Company – BFSI Awards
- Awarded for Excellence in Customer Service
- Recognised by IRDAI for effective grievance redressal
- Received ISO certification for service quality
Final Thoughts:
United India Insurance Company continues to uphold its legacy as a trustworthy, customer-focused insurer. With its diverse product suite, deep market penetration, and commitment to service excellence, it plays a crucial role in India’s general insurance ecosystem.
Whether you are an individual looking for health protection or a business needing industrial insurance, United India offers reliability, coverage, and peace of mind. As the company adapts to digital shifts and customer expectations, its foundation in ethics and service continues to guide its future.
If you are looking for an insurer with legacy, credibility, and heart—United India Insurance stands tall.
