First of all I suggest everyone not to buy policy from UNITED HEALTH INSURANCE. https://www.uhcpindia.com/web/ Somehow they will reject your claim in the name of some nonsense documents.
I subscribed for parental insurance as part of company insurance at the cost of Rs.11000/- (coverage of 2 lakhs). My mom was admitted in hospital three times and none of the claims got approved. The hospital don't have cashless facility and I used to submit hard copy of bills and medical reports along with discharge summary. Twice they said they didnt received any documents, but later on they agreed as I got the delivery proof from courier vendor.
The process usually takes week and after 2-3 weeks they will get back to you and say some documents nonsense missing (for eg nurse daily report) though all details reports were submitted. Once they rejected saying discharge summary is not submitted, though I submitted along with other documents. The first claim amount was for 12,000, second for 8,000 and third was 38000. Whats the use of paying 11000 if they are sure to reject the claims.
Also their portal is not user friendly at all.
Often not able to login, then if you request for new passowrd it will take 2-3 days to receive the automated mail. Guys dont waste ur hard earned money for this crap insurance company.
Product or Service Mentioned: United Healthcare Medical Claim.
Reason of review: Not as described.
Monetary Loss: $300.