Objective

This is an online health insurance policy that aims to provide for hospitalisation expenses availed as an inpatient and other related expenses.

Suited for

This policy can be bought by an individual up to 35 years of age. Family members including spouse, dependent children and dependent parents can also be covered under same policy on an individual sum insured basis.

What does it do?

The insurance company will pay the medical expenses incurred during hospitalisation or at home on advice of a doctor. It also provides other benefits as agreed upon in the policy document.

Pros

It covers non-allopathic treatment as well.
This policy can be bought online through company's website.

Cons

There are sub-limits on room rent, boarding and ICU charges.

Eligibility

Entry Age (years)

Minimum

3 months

Maximum

35

Coverage Type

Individual

Policy Term (years)

1

Sum Insured (Rs)

Maximum

1000000

Minimum

100000

Discount

Family discount of 5% of total premium if any family member is also insured under same policy.

No Claim Bonus

No claim discount of 5% for every claim free year and subsequent years subject to a maximum of 25%.

Pre Policy Medical Check Up

Person above 45 years of age will be required to undergo medical check up

Grace Period for Policy Renewal

15 days

Policy Termination

Insurance company may cancel the policy by giving a 7 days notice period. Insurance company in such a case will repay the pro-rata premium to the insurer if claim has not been made. Insurer may also cancel the policy at any time.

Customer Service

Address

United India Insurance Co. Ltd.
24, Whites Road,
Chennai - 600014

Mail to

customercare@uiic.co.in

Call to

1800 425 333 33(toll free), 91-044-28520161

Scope of Cover

Cashless facility

available if treatment availed in a network hospital

Reimbursement facility

available if treatment availed in a non-network hospital

Pre and post hospitalisation

covers medical expenses incurred during 30 days prior to admission to hospital and 60 days after discharge

Inpatient hospitalisation

covered

Room rent, boarding and nursing expenses

covered upto 1% of sum insured per day or actual expenses whichever is less

I.C.U charges

covered upto 2% of sum insured per day

Surgeon, anaesthetist, medical practitioner, consultants, specialist fees, blood, oxygen, chemotherapy, Radiotherapy, Artificial limbs, Cost of prosthetic devices implanted during surgical procedure like pacemaker etc., X-Ray

covered

Domiciliary hospitalisation

covered

Other benefits

organ donor's hospitalisation expenses

medical expenses for treatment of organ donor in case of major organ transplant is covered

Day care treatment

covered for treatment of illnesses mentioned in the policy document

Cost of health check-up

reimburses an amount upto maximum of 1% of average basic sum insured once after every 3 continuous claim free years

Ayurvedic/Homeopathic/ Unani treatment

covered only if hospitalized in a government hospital or medical college hospital

Exclusions and Waiting Period

General Exclusions

All congenital diseasesNaturopathy treatment, acupressure or any non allopathic treatment