About United India Insurance Company

About United India Insurance Company
United India Insurance Company Limited was incorporated as a
Company on 18th February 1938. General Insurance Business in India
was nationalized in 1972. 12 Indian Insurance Companies, 4
Cooperative Insurance Societies and Indian operations of 5 Foreign
Insurers, besides General Insurance operations of southern region of
Life Insurance Corporation of India were merged with United India
Insurance Company Limited. After Nationalization United India has
grown by leaps and bounds and has 18300 work force spread across
1340 offices providing insurance cover to more than 1 Crore policy
holders. The Company has variety of insurance products to provide
insurance cover from bullock carts to satellites.
United India has been in the forefront of designing and implementing
complex covers to large customers, as in cases of ONGC Ltd , GMR-
Hyderabad International Airport Ltd, Mumbai International Airport Ltd
Tirumala-Tirupati Devasthanam etc. We have been also the pioneer in
taking Insurance to rural masses with large level implementation of
Universal Health Insurance Programme of Government of India & Vijaya
Raji Janani Kalyan Yojana ( covering 45 lakhs women in the state of
Madhya Pradesh) , Tsunami Jan Bima Yojana (in 4 states covering 4.59
lakhs of families) , National Livestock Insurance and many such
schemes.
We have also made our presence in more than 200 tier II & III towns and
villages through our innovative Micro Offices.


Our vision
We United India will be
 The most preferred insurer in India with global footprint & recognition.
 Trusted brand admired by all stakeholders
 The best-in-class customer service provider leveraging technology & multiple channels
 The provider of a broad range of innovative products to meet the needs of all customer segments
 Great place to work with highly motivated and empowered employees
 Recognized for its contribution to the society


About the company
United India Insurance Company Limited was incorporated as a Company on 18 February 1938.
General Insurance Business in India was nationalized in 1972. 12 Indian Insurance Companies, 4
Cooperative Insurance Societies and Indian operations of 5 Foreign Insurers, besides General
Insurance operations of southern region of Life Insurance Corporation of India were merged with
United India Insurance Company Limited. After nationalization United India has grown by leaps and
bounds and has 18300 work force spread across 1340 offices providing insurance cover to more
than 1 Crore policy holders. The Company has variety of insurance products to provide insurance
cover from bullock carts to satellites.
United India has been in the forefront of designing and implementing complex covers to large
customers, as in cases ofONGC Ltd, GMR- Hyderabad International Airport Ltd, Mumbai
International Airport Ltd Tirumala-Tirupati Devasthanam etc. It has been also the pioneer in taking
Insurance to rural masses with large level implementation of Universal Health Insurance Programme
of Government of India & Vijaya Raji Janani Kalyan Yojana ( covering 45 lakhs women in the state
ofMadhya Pradesh), Tsunami Jan Bima Yojana (in 4 states covering 4.59 lakhs of families), National
Livestock Insurance and many such schemes.

Corporate Mission
Introducing Ourselves
 UI is a leading General Insurance Company.
 More than three decades of experience in Non-life Insurance business.
 Formed by the merger of 22 companies, consequent to nationalisation of General Insurance.
 Head Quarters at Chennai.

Corporate Mission
 To provide Insurance protection to all.
 To ensure customer satisfaction
 To function on sound business principles.
 To help minimise national waste and to help develop the Indian economy.


Recent developments[edit]
In November 2007, at pune,company's top management launched an enterprised level
transformation project named UNISURGE, under this historic initiative, company identified and set
up 6 themes in order to remain a leader in Indian General Insurance market and also stressed on
the effective use of IT. In Addition, it has been also decided to Create incentive system and link to
rigorous performance management system for the Enhancement of organizational accountability and
to strengthen HR structure of the company.
Recently, on January 11, 2012, The Company (often abberiviated as UIIC), has been entrusted by
The Govt. of Tamil Nadu for implementing the new Comprehensive Health Insurance
Scheme.
[1]
This scheme would cover 1.34 crore families of Tamil Nadu State and has an annual
outlay of Rs. 750 crore. Tamil Nadu Chief Minister, on the launch, handed over first quarterly
insurance premium installment of Rs. 183.64 crore to 'Milind Kharat, CMD of the United India
Insurance.

Top Management
 Top Management

 Management Hierarchy

 Board Of Directors

 Regional Chiefs
S.No Name Designation Position Details
1
Shri Milind A
Kharat
Chairman cum Managing Director






2 Smt Asha Nair Director & General Manager





3
Shri M V V
General Manager





S.No Name Designation Position Details
Chalam
4 Shri A. Hoda General Manager





5
Shri V. Easwara
Kaimal
General Manager





6 Smt T.L. Alamelu General Manager





7
Smt Ramma
Bhasin
General Manager





8 Shri Kunnel Prem Chief Vigilance Officer





9 Shri Ish Kumar General Manager





10 Shri M. Elango Deputy General Manager





11
Shri R.
Shivakumar
Deputy General Manager





12
Smt P.
Hemamalini
Deputy General Manager





13
Shri A.
Balasubramanian
Deputy General Manager





14 Smt M. Sashikala Deputy General Manager





15
Shri P. K.
Deputy General Manager





S.No Name Designation Position Details
Mahapatra
16
Shri K.
Govindarajan
Deputy General Manager





17
Shri N Pauly
Sukumar
Deputy General Manager




18 Shri S Sivaraman Deputy General Manager




19 Shri V Srinath Deputy General Manager





20 Shri R Hariharan Deputy General Manager




21
Smt Usha
Ramaswamy
Deputy General Manager





22
Shri Narasimha
Rao CH
Deputy General Manager









Shri Milind A Kharat
Chairman cum Managing Director



Smt Priya Kumar
Director
Department of Financial services Govt
of India

Shri T M Bhasin
Chairman cum Managing Director
Indian Bank

Shri A Thrivikraman Thampi
Director


Smt Asha Nair
Director & General Manager


Shri M V V Chalam
General Manager


Shri A. Hoda
General Manager


Shri V. Easwara Kaimal
General Manager


Smt T.L. Alamelu
General Manager


Smt Ramma Bhasin
General Manager


Shri Ish Kumar
General Manager




Board of Directors
Shri Milind A Kharat Chairman cum Managing Director
Smt Priya Kumar Director Department of Financial services Govt of India
Shri T M Bhasin Chairman cum Managing Director Indian Bank
Shri A Thrivikraman Thampi Director
Smt Asha Nair Director & General Manage


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What is Unisurge?
November, 2007 marked a significant in the history of United India. Our
top leadership came together in Hyderabad to frame the vision of our
company and determine the path that we should take in shaping our
future. We resolve to transform our to be able to take the challenge
posed by competition head on, and continue to be a leading player in
general insurance industry Since then, our company has embarked upon
an ambitious enterprise-level transformation project,UNISURGE
Download Unisurge News Letters
What are the initiatives under Unisurge?
Six themes Initiatives
Market -
Corporate
LCB: Provide differentiated service and organisational focus to large corporate & goverment
accounts, with focused development effort in the West.
Six themes Initiatives
Market -
Individual
UMEX Motor Dealer Officer: Capture greater share of motor through OEM/dealer

Health: Improve performance of health portfolio through hospital relationships;Improve TPA in the
medium term.Also review product portfolio.

Motor: Develop competitive products and offer additional value-added services toincrease market
share.
Channel
UMEX Agency: Re-energise agent channel through better development,supportand aligned
incentives

UMEX Bancassurance: Drive higher premiums in Bancassurance channel through active
management, leverage channel to target rural/microfinance.
Process and IT
Service Hubs: Improve speed and efficiency of underwriting and claims processes through
consolidation

TPA Claim Hubs: Improve speed and effectiveness of investment process.
Investments Drive higher returns by improving effectiveness of investment process.
HR and PMS
Enhance organizational accountability and strength HR structure. Create incentive system and link
to rigorous performance management system.



Awards and recognitions[edit]
United India wins The Skoch Financial Inclusion Award 2013 for M-Power project in the ICT based
innovation category. M-Power is a premium payment service running through mobile.
United India gets Skoch award 2010: United India Insurance Company has won the award for
successful implementation of the financial inclusion initiatives. The company has implemented
the Rashtriya Swasthya Bima Yojana in Kerala. Skoch awards, distributed by Skoch Consultancy
Services, are meant to honour extraordinary achievements in governance, capacity building,
empowerment, inclusive growth, citizen services delivery, technology, academics and change
management.
[4]

United India Insurance Company has been selected as one among the top three General
Insurance companies in Asia by Asia Insurance Review at the 14th Asia Insurance Industry Awards
held in Bali, Indonesia.
United India Insurance Co. Ltd. has been awarded the Best Non-Life Insurance Company by NDTV
Profit-Business Leadership Awards 2010.
United India Insurance Co. Ltd. has been awarded 'iAAA' rating for its claims paying ability
by ICRA (Investment Information and Credit Rating Agency) for the third successive year. This rating
indicates company's highest claims paying ability, its strong fundamental and its overall financial
strength for meeting the policy holders obligations.
PCQuest, one of India's premier IT magazines has selected MPLS VPN project of UIIC as one of the
best implemented ITprojects in the year 2007. The details of the same are published in the June
2007 issue of the PCQuest magazine. MPLSVPN project of UIIC was selected after a rigorous
screening process in which 250 IT projects of various companies in the country were evaluated.
Subsequently, a jury of eminent personalities selected the top 21 IT projects implemented in 2007, in
which the MPLS project of UIIC figures prominently.



Products[edit]
Personal policies[edit]
 Householder
 Personal accident
 Mediclaim
 Unimedicare
 Bhavishya arogya
Commercial policies[edit]
 Fire insurance
 Marine insurance
 Motor insurance
 Industrial insurance
 Liability insurance



Profit and performance[edit]
The United India Insurance reported over 50% jump in its profit after tax at Rs 341.07 crore for the
first 6 months of the financial year 2011-12. The Chennai-based insurer had reported a Rs 218 crore
profit during the same period last year. Declaring the half-yearly results, United India Insurance
Chairman and Managing Director G Srinivasan told reporters the company's growth has exceeded
that of the industry. He said, "We grew by 27 per cent over the industry's growth of 23 per cent ... our
market share also increased".
[2]

During the half-year period ended September 30, 2011, the company collected a total premium of Rs
4,033 crore, up by 27 per cent from Rs 3,178 crore in the year-ago period.
[3]
"We have set a target
premium of Rs 8,000 crore this year," he said. On plans for the year 2011-12, he said the company
would focus on retail, micro-small and medium enterprises and rural insurance segments. "We will
focus on agency channel and bancassurance. Agency channel contributed 40 per cent and
bancassurance 7 per cent (in the first half of the year). We expect it to increase in the years to
come," he said. Replying to a question, he said the company would bid for the Tamil Nadu
government's health insurance scheme. The investment income of the company for the first-half of
the year stood at over Rs 803 crore as of September 30, 2011.
A steep reduction in management expenses (to 25% from 37%) claims outgo and an increase in
premium income across segments has enabled the company to post 57 percent growth in net profit
for the first half of the current fiscal. United India earned Rs.803 crore from its investments during the
first six months of the 2011-12. The market value of the company's investments at the end of second
quarter stood at Rs.15,803 crore