Claims

Motor Insurance

In case an unfortunate loss covered in the policy occurs we request you to take the following steps to get prompt service.

• Contact the policy issuing Office of United India immediately or if the accident takes place anywhere other than the City/ Town where policy issuing Office is located contact the nearest Office of United India so that survey is arranged. List of our Offices with addresses across the country with Phone Numbers are available in our Company's web site for your ready reference. Check our web site www.uiic.co.in for list of our Offices across the country
• In case of major accidents including fire/riot losses keep the vehicle at the accident spot/ site until the spot surveyor comes to the place of accident and inspects the same. However please note that spot survey is necessary in case of accident to all commercial vehicles. Please keep the phone No. of the agent/ policy issuing Office for quick response from our side.
• Simultaneously if there are any third party injuries/ deaths make sure to inform the nearest Police Station about the accident and also full details of injuries/ deaths or damage to any Third Party Property as the case may be. In case you provide treatment to any injured person/s in any Hospital the name of the hospital and also Doctor's Name who has given the treatment may be informed to us.
• After completing the said formalities you may move/ tow the vehicle to any authorized workshop of your choice and obtain estimate from them and the same may be submitted to us together with completed claim form (this can be obtained from any of our nearest office) for our arranging final survey. You may also please submit to the surveyor copy of the complaint lodged with the police station along with original FIR if immediately available. However in case where TP injuries are involved FIR is compulsory and the same must be submitted to the office.
• It should be ensured that under no circumstances repair work is commenced until the final surveyor verifies the damage and gives green signal to proceed with the repairs
• After the repairs are carried out for partial loss claims you have to submit the cash bills for spare parts and labour and seek reimbursement if the claim is admissible.

Fire and Engineering Insurance

In case an unfortunate loss as covered in the policy occurs, so as to get prompt service we request you to take the following actions:

• Immediately inform the office concerned over phone and in writing the occurrence of the claim along with the correct policy number.
• Obtain the claim form from the office concerned, fill up the same in all respects and submit the same in our office.
• In case the loss is very large, prompt intimation is required to send a suitable surveyor to assist you in minimizing the loss and quick settlement of claim which helps to restart the business activity. Our officer may also visit the site of loss to have a first hand information of the loss.
• In order to help to prove your claim the surveyor or office may seek documentary evidence. You may handover photocopies of necessary documents and obtain acknowledgement.
• Fully cooperate with the surveyors and insurance officials visiting the site of loss to examine the cause of loss, to correctly estimate the extent of loss and to work towards a quick settlement of the loss. They should be helped to take photographs of the loss and obtain statements of witnesses.
• Necessary information, as if you are an uninsured, should be given to the local fire station, police authorities and other Civil authorities as per law and local practice. Copies of their reports should be obtained and handed over to the surveyor or office.
• Surveyor may also be given copies of licences, permits and certifications etc. in force to ensure that the operations are conducted as per law and as per the necessary safety standards.
• A copy of the survey report may be handed over to you if you so wish for your record so that you are aware of the assessment made.
• As soon as the survey report and copies of the document desired by the surveyor / insurer are complied with by you, you may keep in touch with our office for early disposal of the claim

Health Insurance

FOR CASHLESS FACILITY AVAILABLE ONLY FOR POLICIES SERVICED BY A TPA:

• Check if the hospital falls under the networked hospitals or not, as cashless is available only for networked hospitals.
• For planned hospitalisations, intimations to be sent to the TPAs in advance with details of:
• i. Name and address of the hospital,
  ii. Name and address of the hospital,
  iii. Name and address of the hospital,
  iv. Name and address of the hospital,
  v. Name and address of the hospital,
• In case of an emergency hospitalisation, intimation to be sent to the TPA immediately on admission.
• On admission, a Pre-Authorisation Request for cashless is to be sent to the TPA by the hospital – duly signed by the insured and Hospital Authorities giving the details of admission, illness, proposed line of treatment and the estimated expenses.
• Please furnish clarifications if any required by TPA.
• On discharge from Hospital, please pay the difference of amount disallowed under the policy or limited by the sum insured.
• Pre and post hospitalisation expenses can be claimed separately after treatment. All documents in original to be submitted within 7 days to TPA, after completion of Post Hospitalisation treatment.

FOR REIMBURSEMENT CLAIMS: -

• Written intimation about hospitalisation to be sent to TPA / our office (if non TPA) immediately, and within 24 hours of hospitalisation in the case of emergency hospitalisation.
• Before leaving the hospital, Discharge Summary, Copy of investigation report and other relevant documents may be obtained from the hospital authorities. All the documents in original to be submitted to TPA / Office within 7 days from date of discharge.
• Documents include claim form issued by insurer, discharge summary of hospital, doctor's certificates and prescriptions, final hospital bills, laboratory and other investigation reports and bills, pharmacy bills and all related documents.
• Pre and post hospitalisation expenses can be claimed separately after treatment. All documents in original to be submitted within 7 days after completion of Post Hospitalisation treatment.

Miscellaneous Insurance:

In case an unfortunate loss as covered in the policy occurs, so as to get prompt service we request you to take the following actions:

• Immediately inform the office concerned over phone and in writing the occurrence of the claim along with the policy number.
• Obtain the claim form from the office concerned or the office nearest to you and fill up the same and give an estimate of the loss.
• In case the loss is very large, prompt intimation is required to send a suitable surveyor to assist you in minimizing the loss, for quick settlement of claim and to advise you as to how best to make the claim properly and how to start up activity after the loss.
• In order to help to prove the claim the surveyor or office may seek documentary evidence. You may hand over photocopies of necessary documents and obtain acknowledgement.
• Kindly cooperate with the surveyors and insurance officials visiting the site of loss to examine the cause of loss, to correctly estimate the extent of loss and to work towards a quick settlement of the loss. They should be helped to take photographs of the loss and obtain statements of witnesses.
• Necessary information as if you are an uninsured should be given to the local fire station, police authorities and other Civil authorities as per law and local practice. Copies of their reports should be obtained and handed over to the surveyor or office.
• In case of any burglary/theft, a police F I R will have to be registered.
• Surveyor may also be given copies of licences, permits and certifications as are in force to establish that the operations were conducted as per law and as per the necessary safety standards.
• A copy of the survey report may be handed over to you if you so wish for your record so that you are aware of the assessment made.
• As soon as the survey report and copies of the document desired by the surveyor/Insurer is complied with by you, you may keep in touch with our office for early disposal of the claim