Objective

This is a top-up policy where the company will pay medical expenses when total bills exceed the Deductible limit. Deductible is the part of the medical bills that has to be paid by you before the insurer takes over to pay the rest.
Other top-up plans apply deductible limit to each hospitalisation in a policy year, i.e. the policyholder has to pay up to the specified limit every time medical services are availed in a policy year. This plan sums up the annual expenses of each hospitalisation to reach the deductible limit. Insurance company pays, up to sum insured, for every hospitalisation after the deductible limit is breached.

Suited for

This policy is suitable for those with a basic health insurance policy looking to increase the sum insured. A top-up plan can lower the impact of rising medical costs. It can cover an individual or a family of proposer, spouse and 2 dependent children on floater basis. Parents can be covered under separate policy.

What does it do?

This policy covers inpatient treatment if hospitalisation exceeds 24 hours. It covers medical expenses, room rent, boarding, surgeon fee, anesthetist fee and specialist fee up to the sum insured. It also indemnifies hospitalisation expenses incurred for a donor in case of an organ transplant. Treatments that do not require a 24-hour hospitalisation are covered under day care procedures.

Pros

Premiums paid under this plan qualify for deduction under Section 80D of Income Tax Act. Unlike peers, the deductible limit applies to claims on an aggregate basis.

Our View

This plan is recommended. If one wants to enhance insurance cover, it's more cost-effective to take a top-up policy instead of choosing a new basic health policy as these are cheaper as compared to basic policies.
United India Super Top Up is a one of its kind policy which sums up the inpatient treatment cost to reach the deductible.

Eligibility

Entry Age (years)

Minimum

18; 3 months for children

Maximum

80; 18 (except for unmarried, unemployed girls disabled children without income dependent upon Proposer) or 26 for male child if they pursue full-time higher studies and submit Bonafide Certificate from Educational Institution

Coverage Type

Individual/ Family floater

Policy Term (years)

1

Sum Insured (Rs)

Maximum

15 lakh

Minimum

3 lakh

Pre Policy Medical Check Up

Compulsory for entry age 45 years or above

Policy Termination

Insurance company may terminate the policy by giving a written notice of 7 days. Policyholder is allowed to terminate the policy at anytime by giving a written notice. In case no claim has been made under the policy, percentage of premium will be refunded

Customer Service

Address

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

Mail to

customercare@uiic.co.in

Call to

91-044-28520161

Scope of Cover

Cashless facility

Available at empanelled hospitals in India.

Re-imbursement

Available

Pre-post hospitalisation

Relevant medical expenses covered from 30 days prior and 60 days post hospitalisation

In-patient Treatment

Covered in excess of threshold limit upto sum insured

Expenses for organ donor of transplant

Covered

Emergency Ambulance

Up to Rs 2,500 per hospitalisation

Day-Care Procedures

Covers Dialysis, Chemotherapy, Radiotherapy; Eye Surgery, Dental Surgery, Lithotripsy (KidneyStone removal), D & C, Tonsillectomy

Exclusions and Waiting Period

Pre existing Diseases

Pre existing diseases will be covered after a period of 4 years of continuous coverage

General Exclusions

AIDS and or other related diseasesWar, participation in any criminal activity or any other related conditionPlastic surgery or any other beauty related treatmentDental treatment or surgeryNaturopathy, accupressure and other such therapies