Union Insurance

Liability Insurance

AT UIC, we have drawn on years of experience and technical expertise to create insurance policies that provide you with comprehensive coverage. This goes hand-in-hand with a customer-centric focus that ensures immediate assistance, whenever you need it, and a simple claims process that guarantees easy resolutions, each and every time.

Personal Accident Insurance

The Union Insurance Personal Accident Insurance policy is designed to protect the financial interests of your business, as well as that of your employees, from unfortunate events that may occur at any time. Our coverage extends to bodily injury, medical ailments, deaths, and can also be extended to injuries caused by acts of terrorism.

Extent of cover
  • Deaths resulting from a tragic mishap at work.

Accidents that result in any of the following:

  • The total and permanent loss of, or loss of use of, one or more limbs.
  • The total and irrecoverable loss of sight in one, or both eyes.
  • Permanent total loss of hearing in one ear, or both ears.
  • The permanent loss of speech.
  • Permanent total disablement that occurs within 24 months of an accidental bodily injury.
  • Temporary total disablement.
Main exclusions
This policy does not extend to damages caused by the following:
  • Physical sickness, mental disorders, or any naturally occurring conditions including degenerative ailments.
  • Bodily injury caused, directly or indirectly, by pregnancy or childbirth.
  • Injury caused due to participation in naval, military or air force services or operations.
  • Incidents that occur under the effect of intoxicants, such as liquor and drugs.
  • Intentional self-injury or ramifications from attempted suicide.
  • Accidents that occur during any criminal acts.
  • Mishaps incurred by travel that does not involve regular airlines and vessels, or approved multi-engine charter flights.
Available extensions
  • The Personal Accident insurance policy also extends to any accidental bodily injury caused by acts of terrorism.

Our Team

A company is only as strong as its people. Our team consists of specialist underwriters who bring a wealth of expertise and specialised knowledge. They are supported by a highly efficient operations team, equipped with modern technology.

Our team is dedicated to providing tailor-made insurance and risk management services that cater to both individuals and corporates. Our priority is to deliver creative and cost-effective risk management and transfer solutions, as well as innovative products to meet the needs of individuals, corporate clients and other stakeholders.

We have dedicated client service and claims management teams to be at your service 24/7, and ensure a smooth and transparent claims process whenever you require it.

Claims Process

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Validation & Approval

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Everything you need to know about insurance
  • What is insurance?addremove

    Insurance is a means of protection from financial loss. It is a form of risk management against unexpected events. Insurance companies collect premiums to provide this protection. Losses are covered by these premiums.

  • Why do I need insurance?addremove

    Insurance protects you financially in a number of ways. Unforeseen accidents and disasters are inevitable; without adequate insurance, they can lead to financial ruin. Insurance mitigates risks by providing a financial cushion against these disasters.

  • How will general insurance help me?addremove

    General insurance refers to any insurance that is not life insurance. It provides you with protection against sudden accidents, illnesses, property damage, and financial threats.

  • What is the term life of general insurance?addremove

    General insurance contracts usually last for a year. You will be required to renew the policy every year.

  • Why should I get insurance immediately? addremove

    It is important to identify risks and insure yourself against them at the earliest because they can materialize at any time.

  • Who can I contact if my insurance provider mistreats me?addremove

    You can contact the customer service cell of the insurance company.

    Should that fail, you can approach your local insurance authorities or the judiciary.

    You may also contact the above if you feel your provider is unfairly refusing to renew your policy.

  • What is the easiest way to get insurance? addremove

    Insurance is primarily sold through the following:

    • Agents representing an insurance company.
    • Insurance brokers (who are allowed to sell products from more than one insurance company).
    • Insurance company websites.
    • Banks, retail houses, or any commercial ventures that are approved channel partners of insurance companies.
  • Why do I need to fill up a proposal form for buying insurance? addremove

    The proposal form is an important step in the contract between insurance providers and policyholders. It also contains all the information required for preparing the policy in question.

  • What is a premium?addremove

    A premium refers to the fixed sum paid over an agreed period of time by the person insured, to their insurance provider.

  • What is a deductible?addremove

    The deductible is the amount paid out of pocket by the person insured before their insurance provider pays any expenses.

  • What is underwriting?addremove

    Underwriting refers to the process by which the insurance provider determines whether to approve the policy holder’s application, including the rate of premium.

  • What is the sum my insurance provider is required to pay me?addremove

    There is no fixed sum, it varies from product to product.

    In the case of death covers, there is no possible way to ascertain the monetary value of human life. However, the usual coverage goes up to match the estimated gross monthly salary of the deceased. In the case of travel insurance, the sum depends upon the medical price index of the country traveled to.

  • How much insurance do I need?addremove

    It is crucial to ensure that you are adequately covered by each insurance policy you buy. For asset or property insurance, the market value or reinstatement value of the asset should be taken into question before deciding on the sum insured. If the sum is not adequate, a percentage representing the uncovered portion of the asset is to be borne by the policyholder.

  • Am I eligible for discounts?addremove

    Discounts are usually available on renewed policies with good/no claim history records and low risk factors, but offers vary among individual insurance providers.

  • Can my broker collect my insurance premium and is he authorised to issue a receipt?addremove

    Your broker can deposit a cheque from you to your insurance provider, they cannot issue a receipt.

  • What is reinsurance?addremove

    Reinsurance refers to the arrangement undertaken by insurance companies to spread and mitigate risk with other underwriters or reinsurance companies.

  • How can I renew my insurance policy?addremove
    • Approach your insurance provider well in advance of the policy expiration date.
    • Clarify your intention of renewing your policy if you have not received a renewal intimation from your provider.
    • Obtain information regarding your premium and other relevant details.
    • Pay the premium, and collect the receipt and cover note.
    • Wait for your documents to arrive.
    • Ascertain no mistakes have been made on the receipt, and store it carefully.
  • What should I do if my insurance provider refuses to renew my policy? addremove
    • Seek an explanation from the company.
    • Clarify any misunderstandings.
    • Look for another company if your existing provider continues to refuse renewal.

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phone 800 UIC4U (84248)