Objective

This is a top-up plan that pays when medical expenses exceed the deductible amount. Deductible is the limit up to which the insured has to pay before the insurance company takes over.

Suited for

This policy is suitable for those already covered under a basic health insurance policy looking to increase the sum insured. A top-up plan can lower the impact of rising medical costs. Those who don't want to mark claims for small medical bills can also go for this policy.

What does it do?

This health insurance plan covers inpatient treatment if one is hospitalised for more than 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 donor in case of an organ transplant. Treatments that do not require 24-hour hospitalisation are covered under day care procedures.
Ambulance charges are payable up to Rs 2,500 per hospitalisation.

Pros

Premiums paid under this plan qualify for deduction under Section 80D of Income Tax Act. No pre policy medical check up is required up to 45 years of age.

Our View

This policy is suitable if there are chances of taking an expensive medical treatment. Otherwise, it is advised to go for the Super Top-up policy, another plan offered by United India where the deductible limit is calculated by summing up annual medical expenses. Though Super Top-up policies are slightly expensive, they offer better risk coverage.

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

Tax Benefit

Premium paid is eligible for tax benefit under section 80D of the Income Tax Act

Pre Policy Medical Check Up

Compulsory for entry age 45 years or above

Grace Period for Policy Renewal

15 days

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

1800 425 333 33(toll free), 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 upto sum insured

Expenses for organ donor of transplant

Covered

Emergency Ambulance

Up to Rs 2,500 per hospitalisation

Expenses for organ donor or transplant

Covered

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