United India Insurance Company [UIIC] Complaints & Reviews

I preferred a claim under policy no. [protected]p[protected] in the name of m n subramanya. The tpa is vidal health, mumbai. The claim number is mum-1017-cl-0006194 and settlement no. Is mum-0518-cr-000398 and amount settled is rs. 144733.

While settling the claim, an amount of rs. 8800 is disallowed for non submission of original report of pace maker.

I may inform you that, subsequently i submitted the original report by contacting the hospital, on 16.5.2018, vide courier no. Kur[protected] of professional courier, which was delivered to the tpa on 18.5.2018. I subsequently kept contacting the tpa, who confirmed the receipt of the original report and assured to reimburse the amount at the earliest. This happened on many occasions. Finally, on 4.9.18, the tpa shockingly informed that they have not received the report.

I made a detailed letter to the tpa on 4.9.18, explaining the details of conversations i had on various dates, where they confirmed continuously about availability of the document. I also enclosed the courier receipt, proof of delivery and also xerox xopy of the required report.

I referred the matter to the grievence officer, customer care dept o[censored]ni ii, on many occasions. I have not heard from them.

I approached the pace maker company to furnish another copy, for which they informed that the records are old and not available. Hence i requested the insurance company/ tpa to settle the matter based on the copy furnished by me, as it is the fault of tpa. Nothing has been done.

I am a retired sickly person and unable to run around. The amount is substantial for me.

An amount of rs. 2533 is dis allowed, as cost of glucomter strips are permissible.

Kindly peruse the matter and arrange for reimbursement of the said rs. 8800 and 2533, immediately.

Thanks.

Yours faithfully
M n subramanya

Paramount health insurance services had
Cleared my claim of reimbursement on 11th of nov.2018 and is pending with uiic
For clearance. My bank account not been credited till date. I am a senior citizen and
The amount was paid to hospital on 27/09/2018 through credit card.

My claim no.4038706 for rs.61888.50
Terala bhasker
Idno. Ui hyd 23635088 sbank e

Reference my above claims i have sent all required documents to good heath insurance tpa hyderabad against both the above claims. I am sorry to write to you that more than 3 months have passed since submission of documents against there queries for claim no 215460 while more than 2 months have passed against claim no 218500. As per the latest status i understand from grievance department of ghpl that my both the claims has been processed and they are awaiting for payment details from the insurer, whereas as asked by them i have already submitted my bank details with the grievance department.
Since ghpl has already delayed the settlement by several months, while ghpl is your facilitator and you are wholly responsible for the payment. Hence i request you to please provide payment details to ghpl immediately without any further delay, under intimation to me at my e mail address nam. [protected]@gmail.com
Awaiting to hear from you at the earliest
With best regards i remain
Chandra prakash saraogi

Madam/sir,

We have taken mediclaim insurance from united indian insurance ltd in 2017 and thereafter renew it in 2018 for me and my spouse.in 2017 there was no any claim. The card is valid up to 19/05/2019. The card was issued by tpa medsave.

Suddenly, my spouse nandu chouhan age about 62 yrs attacked with onset and admitted to panel hospital kantilal gandhi memorial hospital, tata nagar, jharkhand.

The doctors admitted him for 5 days from 7/8/2018 under panel of tpa medsave.
The same is intimated to the medsave by the hospital.

Without going through the case, simply medsave rejected the claim saying not admissible.

I was helpless even i had the mediclaim policy. My spouse was suffering so much, i collected the money from the relative and pay the bill from my pocket to save my spouse.

I called the customer care of medsave, they said sometimes doctors are in hurry so please send the same in reimbursement.

We did the same. All documents whatever provided by the hospital at the time of discharge, we sent to the medsave office at 701a, lado sarai, mehrauli, new delhi - 110030.

Again doctors raised the irrelevant queries and i also complied the same attached herewith for your kind perusal and necessary action.

And, again simply medsave rejected the claim marking not admissible.

Therefore, we are praying from you for the judgement at your earliest.

—
Thanks and regards.

Patient name :
Nandu chouhan



File no :
20180912b001rh20687

Policy no. :
[protected]p[protected]

Card no. :
[protected]b

Proposer name :
Jai murti devi

My health insurance with uiic is almost two decades old. Evetry tim, e i submit a claim i get a rough response, and i am required to run to the hon'ble ombudsman for getting a settlement.
Recently i availed of surgical treatment of my left eye at sankar netralaya, chennai. I submitted my vouchers along with the necessary supporting documents for reimbursement of rs. 35.087.00. Quick came the refutal letter, as usual.
I attach my letter of claim, the uiic's letter of repudiation and my reply to it. More than a month has elapsed since my second letter. No reply from the insurer.
So, i approach you seeking redressal by way of getting me the reimbursement to be able to take further treatment necessary.

Again requesting for payment of bill on account of illness of my wife who is suffering from cancer & further treatment is now suffers due to lack of money.on humanatarian grounds seeing the seriousness of decease the delay in payment is not appreciated and I request to expedite the payment.
AKHILESH VIKRAM SINGH
POLICY NO.120200/28/17/P1/[protected]DOMI
SUSHILA SINGH
POLICY NO.120200/28/17/P1/[protected]DOMI
TICKET CLAIM NO.17719439

I would like to bring to your notice a very serious and unimaginable blunder in quoting premium for the group policy for retiree bank officers by united india insurance company to be issued to iba for all the member banks. This policy was started from 2015-16 and renewed from 2016, 2017 and 2017-18 premium was as under.
From this you will be able to understand the position and the methods being adopted by the insurance company for deciding the premium.

Sl. No. Year sum insured (Rs) premium amt. Premium amt.
With domiciliary without domiciliary
01 2015-16 4, 00, 000 7, 500 7500
02 2016-17 4, 00, 000 20, 010 16025
03 2017-18 4, 00, 000 36, 998 16443
(Super top up) 5, 00, 000 na 3, 806
2018-19 4, 00, 000 82, 273 28572
(Super top up) 5, 00, 000 na 5, 259

1. The insurance company had raised the premium every year as shown herein above:
2. The important factor is that as to how the premium can be revised every year and how the regulator is approving such an increase? Which norms will permit such a steep rise in the premium of one category of staff/ex-staff?
3. In the year 2017 the company took an excuse that the premium and claim ration is high for almost doubling the premium for the retiree officers.
4. Now in 2018 again they have mentioned the excuse of high ratio of premium and claim for quoting 123% rise in the premium for the retirees. Can there be claim more than the sum insured?
5. But have a look at what they are quoting:
A. For the policy of 4 lacks without domiciliary treatment the premium conveyed is rs. 28, 572.
B. With domiciliary treatment of 10% of sum assured within total sum insured of the policy of 4, 00, 000/-i. E. Rs. 40, 000/- the premium will go up to 82, 273 i. E. Increase by rs. 53, 701/- so if you do not opt for domiciliary treatment you are required to pay rs.28, 572 for 4, 00, 000/- if you take domiciliary than this 28, 572 will be charged for the sum assured of rs. 3, 60, 000 and you have to pay additional rs. 53, 701/- for allowing the domiciliary treatment of rs. 40, 000/-?
C. When company quoting the premium of 28, 572/- without domiciliary for 4 lacks how the premium will remain same for 3, 60, 000/-? The premium for 3, 60, 000 allowable for hospitalization will have to be reduced for rs. 40, 000 proportionately to rs. 25, 714.. The retiree is required to pay for domiciliary treatment of rs. 40, 000/- a separate additional premium of rs. 53, 701+2858 as mentioned earlier. How this aspect remained to be taken care?
D. Can anyone understand and explain how the premium of insurance can be more than the eligibility to claim insurance amount? Which rules and guidelines of the regulator irda permit this as claimed by the uiic in their communication? This type of quotation is unprecedented and unbelievable.
E. How the claim ratio can be made an excuse for quoting more than 100% premium amount against the insured amount?
F. If this way the increase in premium by the iba is to be considered the insurance company will double the premium next year and so on.
G. It is a serious breach of trust and definite case of the deliberately forcing the retirees by the company to ensure that all retirees are kept out of the policy.

6. Moreover, as mentioned above, when the amount of premium is separate for the amount to be considered for domiciliary treatment i. E. 10% or 40, 000 from the policy of 4, 00, 000/, - the amount of premium for remaining 90% amount i. E. Rs. 3, 60, 000/- cannot remain same. The company has done this excess charge in the year 2015, 2016, and 2017 also which has to be refunded with interest to the insured.
7. The same company is offering the policy to the serving employees at a much less premium. For the sum assured of rs. 4, 00, 000/- the policy covers the domiciliary treatment of the officer, spouse, children and parents of the employee. But the retirees are permitted the policy for self and spouse only. Why this discrimination?
8. Whether the parents of the serving employee remain young and are not old like the retired employee? If the serving employees are more than 40 years of age than in 99% cases the parents must be more than 60 years of age are they not old like retired employees?
9. If we just imagine that some employee takes a policy as serving employee at the age of 59 years and his parents are of the age of near to 80 years. He will get the policy, till he becomes 60 years, at a premium applicable to serving employees for self, spouse, parents and children also with domiciliary treatment and the premium will be paid by the bank. But look at his plight next year. When he retires before the renewal in october, the renewal will be for self and spouse only, premium has to be borne by the retired employee and the premium will jump to 82, 273. Don’t you agree it is surprising and astonishing?
Please take some immediate corrective step[s and the company may please cbe stopped from looting the bank retirees.
We are confident you will consider the matter as serious and will give justice to us. The employees who could not take the policy due this beyond reach increase in premium, please advise the company to permitting them also after making necessary corrections in the premium.

Thanks, r. C. Agarwal
A, retiree bank officer

My wife is a member of the above company insurance holder no. Ma-id[protected] pol. No.120200/28/17/p1/[protected]domi in the name of my wife sushila singh. She is suffering from cancer & is under treatment of dr deepak gupta oncologist & dr nitin khunteta oncologist in h. C. G. Cancer institute jaipur & has sent a bill of rs 2.52 lacs about three months back but has still not been paid so far. Reasons given under review every time. Patient is suffering a lot due to shortage of money. I therefore, request you kindly to help in expediting payment.
Akhilesh vikram singh.
Pensioner s. B. I.
P. F. 938378

My claim 17719439 is pending it is long over due the reasons are unknown please help in expediting the bill non payment. Worries are increasing. My wife is suffering from cancer & the treatment is going on in jaipur. Treatment is in mid way & am suffering financial hardships due to non payment of bills
Akhilesh vikram singh
Pensioner s. B. I.
P. F.938378

My earlier health insurance policy under family floater plans is running with uiico which had been expired on 30 sept 18. Uiico also running a similar health insurance policy since beginning as synd arogya which has different sets of premium and having relatively lower than the first one having same sum assured and same facilities associated. When i opted them to switchover my family in this policy insurance company denied which is contradicted the guidelines of insurance regulatory authority (Irda) again irda had permitted portability among insurance companies. Here is portability issue is within the same company which uiico is violating
Hence insurance authority look into the matter and amend the guidelines and direct their offices to allow switchover from one plan to other plan within the same company so general public must be benefited
Sunil gupta
[protected] [protected]
[protected]@gmail.com

Sir,
I have insured my car through policy bazar with united india insurance do-14 and i claimed my amount in the month of may 2018. My policy no is-[protected] & my claim file no. Is 3549 in the office (Od hub rod2 scope minar, door no-core 4, floor no-1, laxmi nagar, delhi, new delhi-110092). I contacted this office several times through telephone but till today i did not get my claimed amount.

Reg
Ranjeet kumar singh
Claim policy no-[protected]

Hi sir/team,

At utmost worst situation i'm forced to write this complaint for my car damage claim, which is pending since may 2017.

The accident took place in may 2017, where the entire car got damaged. Earlier i submitted the full quotation from chevrolet workshop for around 7.3 lakhs.

However, the counter claim amount which was offered to me was around 3-4 lakhs. Since i was in financial crisis, i was not in the situation to add another 3 lakhs for getting the car repaired.

Later after few discussions with the rm and the surveyor, i was told that company will process a cash loss refund in which i would get a lump-sum amount and i can get the vehicle repaired anywhere i want.

Now, this story has been dragged over the period of 17th months. Initially i was told there were 3 rm's has been changed during a phase of 6 months.

Later, in every week or 2, i would get a new demand for some or the other new documents. Finally i have submitted all the below listed documents to the surveyor.

Its my humble request to get my claim processed at the earliest.

Details :
Car : chevrolet cruze - ka - 51 - mb - 7749 - white
Accident date : 5th may 2017
Policy no : [protected]p[protected]
Documents submitted : rc copy, policy document, rc & dl extract, photos of accident, fir copy, bank noc letter, cash loss form

Surveyor : mr krishnamurthy

Regards,
Amrita rajkumar sharma

Dear sir my name is hemraj sharma and iam already coustmer o[censored]nited india insurance company for my two wheeler and car insurance is genrated in united india insurance but some time before my car rj 14 uk 1112 is accident and iam situated my car in sunshine honda authorised honda car delear work shop and this workshop intimation a claim for united and come a servear b. S rathore and say iam not approved claim for your car and he is not give...

My mom was admitted in the hospital on last wednesday.. After treatment doctors said that they will discharge on saturday night... But heritage is not working on sunday... That's okay... And coming to monday when i tried to call them they were not lifting the call.. There office timings and lunch timings are not proper at all (Not fixed they can go as they wish to lunch for hours n hours) again i tried to call them 12:30 pm to 2:30 pm they didn't attend my call saying that they went for lunch... And speaking unprofessionally, rudely.. And saying that customers should speak with customer care very politely.. Is this the way to treat with customers.. Finally approved bill after 72 hours... We are awaited in hospital for 72 hours... Unsatisfied with customer care... They should show some respect towards customers

Dear sir,
Scup cert no, s. C[protected]

I have submitted my mediclaim, claim form on 18 07 2018 for rs. 63, 956.

I had sent my log book for the same on 27 08 2018 on a letter asking for it.
But since then i have neither got an acknowledgement for it nor the updation of the status of the claim.

I have sent two mails asking for an acknowledgement. My mail id is p. [protected]@gmail.com. Kindly acknowledge the mail and update me on the claim status.

Regards
P. Muthu samy

I have bought online four wheeler policy through online for my swift dzire ldi kl01ay2895. The policy number is[protected]. Latter i purchased a new car and i am eligible for 50% no claim bonus for my old car with policy number[protected]. I need a no claim certificate to submit before the dealer of new car in order to get benefits of a discount of no claim bonus. I have contacted to the customer care united india insurance - number shows on the policy document. He asked me to send mail to his uii email i. D with all documents regarding sale letter and other papers to rto to the new vehicle. I have done everything he said. But no response has been initiated yet.

The email i. D of customer care executive is [protected]@uiic.co.in

The contact number is [protected]-amit

Please do the needful to get my no claim bonus certificate.
My email id is [protected]@gmail.com
Contact number is [protected] or [protected]
Customer name is selma salim
Sana villa, onamthuruth, athirampuzha p. O, kottayam - 686560

Regarding. File no 19rboiuij2247

In connection with the above file insurance company had deducted my two payments of rs1000/-and rs500/- for want of original receipts. And also rs15000/-, starting that maximum has been paid.
All originals in regard to payments of rs1000/ and rs 500/- sent as received from the hospital latter on, and delivered in their office on 28/07/2018, and also requested to reconsider payment of rs15000/-as paid by me for the catrate operation.
Other originals stated to have been sent by the hospital to be checked in the main file of hospital already with the insurance company.
Almost one and half month has passed there is no response from the co inspite of my number of reminders through mails and personaly reminding their customers care department.

Ashokbhatia.

Health insurance claim no [protected] of rs.2985/-passed in the month of april 2018 by raksha tpa and showing in site amount has been credited in your account as on[protected] but as per bank account stmt amount not showing. Inform to tpa and also submit bank account stmt but till date amount not credited in the account and not reply our mails. Padam chand jain m no [protected]

I have policy for rs. 100000 but got claim only rs. 47973 worst unprofessional people no proper response from the insurance company.
My base policy was for rs. 50000 and purchased top up for another rs. 50000 in this total rs. 100000 they have approved only 47973 and not given any proper reason it is almost from last 2 years they keeping it pending saying they need some time to release the balance amount very bad company.

Aeepp2758j pan no mansarovar hospital ahmedabad - is service provider to your beneficiaries.
During fy 2017-18 we have requested for 16a form but not received. Kindly send with immediate effect. Please issue 16a form for total payment paid & tds deduction 2017-18,,
Kindly note that the payment made by united india insurance comes to rs. 514431 to mansarovar hospital, tds deducted should have been rs. 51443 but 26as show rs 325059 and tds deducted is rs. 36712. Thus there is discrepancy of rs. 514431– rs. 325059 = rs.189372 in total payment. As well as in tds deducted.
Kindly correct the discrepancy accordingly upload to 26as & provide us 16a form from your side