United India Health Insurance

Benefits and Features

• The policy offers coverage to the dependent children between the age group of 3 months and 18 years, provided either or both parents are insured in the same policy
• United India Family Medicare Plan offers higher sum insured options as compared to other healthcare plans in the market i.e. between Rs. 1 lakh and Rs. 10 lakhs
• Freelook period of 15 days shall be applicable at the inception of the first policy
• Cashless hospitalization facility can be availed in more than 7000 hospitals across PAN India
• Free medical check-up once at the end of every three policy years can be availed provided no claims reported during the policy term
• United India health insurance premium paid for self, spouse, dependent children and dependent parents are exempt from Income Tax under Section 80-D of the IT act

Coverage:

• This family floater policy covers hospitalization expenses such as room rent, boarding charges, nursing expenses, surgeon, anaesthetist, specialists fees, and ICU charges
• Expenses incurred on dialysis, chemotherapy, radiotherapy, cost of artificial limbs, cost of prosthetic devices implanted during surgical procedures
• Pre-hospitalization expenses incurred up to 30 days before the date of admission and post-hospitalization expenses incurred up to 60 days from the date of discharge.
• Expenses for the following illness restricted to:
  • Cataract - 10% of SI subject to a maximum of Rs.25,000/-
  • Hernia - 15% of SI subject to a maximum of Rs.30,000/-
  • Hysterectomy - 20% of SI subject to a maximum of Rs.50,000/-
  • Major surgeries - 70% of SI subject to a maximum of Rs.4 lakhs
• Certain specified Day Care procedures which require less than 24 hours hospitalization

Benefits and Features:

• All-inclusive medical cover for the members of the family under a single sum insured
• Dependent children between the age of 3 months and 18 years can be covered provided either or both parents are covered concurrently.
• Higher sum insured as compared to other healthcare plans in the market i.e. between Rs. 2 lakhs and Rs. 10 lakhs
• No-claim-discount is also provided for every claim-free year
• Free Look period of 30 days shall be applicable after the policy inception
• Free medical check-up facility once a year at the end of every three policy years provided no claims has been reported

Coverage:

• The policy covers hospitalization expenses such as room, boarding, nursing expenses, and ICU charges
• Also, expenses incurred on the surgeon, anaesthetist, dialysis, chemotherapy, radiotherapy, cost of artificial limbs, cost of prosthetic devices implanted during surgical procedures are reimbursed
• Pre-hospitalization expenses incurred up to 30 days prior to the date of admission and post-hospitalization expenses incurred up to 60 days from the date of discharge.
• Expenses for the following illness restricted to:
  • Cataract - 10% of SI subject to a maximum of Rs.25,000/-
  • Hernia - 15% of SI subject to a maximum of Rs.30,000/-
  • Hysterectomy - 20% of SI subject to a maximum of Rs.50,000/-
  • Major surgeries - 70% of SI subject to a maximum of Rs.4 lakhs
  • Certain specified daycare procedures which require less than 24 hours hospitalization.

Benefits and Features:

• United India Gold plan is for individuals between the age group of 36 years and 60 years
• Sum insured offered in this is between Rs.1 lakh and Rs.5 lakhs
• Provision for the continuation of the plan is provided post the age of 60 years of the insured subject to renewal of plan without any break
• Dependent children between the age of 3 months and 18 years can be covered provided either or both parents are covered concurrently
• Family discount of 5% can be availed on the total premium if the policy is taken for self and any one or more family members viz. spouse or dependent children

Coverage:

• Hospitalization expenses such as Room, Boarding, Nursing expenses, and ICU charges
• If the insured person opts for a room with rent higher than the entitled category, the charges payable above shall be limited to the charges applicable to the entitled category only. However, this will not apply for Medicines & drugs and implants.
• Pre-hospitalization expenses incurred up to 30 days prior to the date of admission and Post-hospitalization expenses incurred up to 60 days from the date of discharge – actual expenses or 10% of the Sum Insured whichever is less.
• Medical procedures for Cataract, Hernia, Hysterectomy, etc.

Benefits and Features:

• Complete protection benefit against any disease or injury or any other treatment caused due to accident
• Cashless facility in more than 7000 hospitals across Pan India and dedicated TPA help desk assigned for hassle free claims and processing

Coverage:

• Hospitalization expenses such as Room, Boarding, Nursing expenses, and ICU charges
• Expenses incurred on Surgeon, Anesthetist, and Specialists Fees
• Expenses incurred on dialysis, chemotherapy, radiotherapy, cost of artificial limbs, cost of prosthetic devices implanted during surgical procedures, organ donation, etc.
• Expenses incurred on medical treatment for a period exceeding three days for cases wherein the condition of the patient is such that he / she cannot be removed to the hospital / nursing home and hence requires the treatment at home based on doctor’s recommendation

Benefits and Features:

• Available for individuals between the age group of 18 years and 35 years
• Provision for the continuation of plan post the age of 35 of the insured subject to renewal of plan without any break
• Dependent children between the age of 3 months and 18 years can be covered provided either or both parents are covered concurrently.
• Sum Insured is between Rs.1 lakh and Rs.10 lakhs
• Family discount of 5% on the total premium if the policy is taken for self and any one or more family member’s viz. spouse or dependent children

Coverage:

• Hospitalization expenses, ICU expenses, surgeon, and specialists fees
• Expenses incurred on prosthetic devices implanted during surgical procedures like a pacemaker, orthopaedic implants, organ donor expenses etc.
• If the insured person opts for a room with rent higher than the entitled category, the charges payable above shall be limited to the charges applicable to the entitled category only. However, this will not apply for medicines & drugs and implants
• Pre-hospitalization expenses incurred up to 30 days prior to the date of admission and Post-hospitalization expenses incurred up to 60 days from the date of discharge – actual expenses or 10% of the Sum Insured whichever is less
• Expenses incurred on cataract surgery, hernia, hysterectomy, etc.