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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.

Eligibility
Entry Age (years) 
Minimum18; 3 months for children
Maximum80; 18 for children (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 TypeIndividual/ Family floater
Sum Insured (Rs) 
Maximum15 lakh
Minimum3 lakh
Policy Term (years)1
Tax BenefitPremium paid is eligible for tax benefit under section 80D of the Income Tax Act
Pre Policy Medical Check UpCompulsory for entry age 45 years or above
Grace Period for Policy Renewal15 days
Policy TerminationInsurance 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 
AddressUnited India Insurance Co. Ltd.
24, Whites Road,
Chennai - 600014
Mail to[email protected]
Call to1800 425 333 33(toll free), 91-044-28520161
Additions to the Plan
Scope of Cover
Cashless facilityAvailable at empanelled hospitals in India.
Re-imbursementAvailable
Pre-post hospitalisationRelevant medical expenses covered from 30 days prior and 60 days post hospitalisation
In-patient TreatmentCovered upto sum insured
Expenses for organ donor of transplantCovered
Emergency AmbulanceUp to Rs 2,500 per hospitalisation
Expenses for organ donor or transplantCovered
Day-Care ProceduresCovers 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 ExclusionsAIDS 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
Annual Premium
Sum InsuredDeductibleAge (in years)
0-4546-60Above 60 years
IndividualFamilyIndividualFamilyIndividualFamily
2 personsMore than 2 persons2 personsMore than 2 persons2 personsMore than 2 persons
A3 lakh2 lakh170027003400210034004200230037004600
B5 lakh2 lakh230037004600290046005800320051006400
C3 lakh3 lakh140022002800170027003400190030003800
D5 lakh3 lakh190030003800230037004600260042005200
E7 lakh3 lakh250040005000310050006200350056007000
F5 lakh5 lakh170027003400210034004200230037004600
G10 lakh5 lakh290046005800360058007200400064008000
H15 lakh5 lakh41006600820051008200102005700910011400

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