United India Insurance
Est. 1938Chennaigeneral insurer
CSR 2023-24
90.18%
Average
Complaints FY 2022-23
28.40
per 10K policies
95.6% disposal rate
Source: IRDAI Annual Report 2022-23
Quick answerUnited India Insurance settled 90.18% of general insurance claims in FY 2023-24 — in line with the industry average of ~90%. This page shows United India's CSR history, plans, pros and cons, complaints data, and how to file a claim.
United India Insurance is one of India's oldest and largest public sector general insurers, established in 1938 and fully owned by the Government of India. It covers over 1.7 crore lives through group and retail health policies. Its government backing provides stability, and it serves as the default insurer for many government employee health schemes and state-sponsored programmes.
Claim settlement ratio history
Strengths
- +Government of India ownership — maximum financial security
- +Lowest premium options — PSU pricing is heavily subsidised
- +14,000+ network hospitals nationwide including in rural areas
- +Serves government employees and scheme beneficiaries
- +No profit motive — policyholder interests prioritised over shareholders
Limitations
- -Slow claim processing compared to private and digital insurers
- -Outdated digital infrastructure — limited app/online claim filing
- -Higher grievance rates than leading private insurers
- -Limited product innovation — fewer modern health plan features
How to file a claim
Cashless at network hospitals. Reimbursement requires submission to nearest UIIC branch. Processing time 15–30 working days. PSU processes are more documentation-intensive than private insurers.
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