United India Top Up Medicare Policy

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.