Objective

This is an online health insurance policy for individuals and it aims to cover inpatient hospitalisation expenses. It also covers treatment taken at home following certain conditions.

Suited for

The minimum entry age is 36 years. Those meeting the eligibility age and looking for a basic health insurance cover may opt for this policy. It can also cover other family members under the same policy on a floater or individual sum insured basis.

What does it do?

Like any other basic health policy, it pays the admissible claim amount as stated in the policy document. It covers hospitalisation expenses and domiciliary treatment availed at home on advice of medical practitioner or doctor. It also covers non-allopathic treatments like Ayurveda, Homeopathy and Unani, if the treatment has been availed in a government hospital or medical college.

Pros

It covers non-allopathic treatment as well.
This policy can be bought online and the premium paid is eligible for tax benefit under section 80D of the Income Tax Act.

Cons

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

Our View

It offers the benefits that any basic health insurance offers. Sub-limits on room rent, boarding, nursing and ICU are a drawback. There are policies without such limits.

Eligibility

Entry Age (years)

Minimum

36

Maximum

60

Coverage Type

Individual

Policy Term (years)

1

Sum Insured (Rs)

Maximum

500000

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

Mandatory for people above 45 years of age. 50% of the cost will be reimbursed on acceptance of the proposal

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 upto maximum of 10% of Sum Insured

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

Cataract, Hernia, Hysterectomy

actual expenses or 25% of the sum insured whichever is less

Mjor surgeries including cardiac surgeries, brain tumour surgeries, pace maker implantation for sick sinus syndrome, cancer surgeries, hip, knee, joint replacement surgery, Organ transplant

Actual expenses or 70% of the Sum Insured whichever is less

Ayurvedic/Homeopathic/ Unani treatment

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

Exclusions and Waiting Period

Pre-existing illnesses

will be covered after 4 years of continuous renewals with the company

No claim period

initial 30 days since inception of the policy

Waiting period

certain illnesses such as Hernia, Piles, Cataract, Sinusitis etc, will be covered after a waiting period of 2 years