United India Top Up Medicare Policy
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.
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.
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.
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.
|Entry Age (years)|
|Minimum||18; 3 months for children|
|Maximum||80; 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 Type||Individual/ Family floater|
|Sum Insured (Rs)|
|Policy Term (years)||1|
|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|
|Address||United India Insurance Co. Ltd.|
24, Whites Road,
Chennai - 600014
|Mail to||[email protected]|
|Call to||1800 425 333 33(toll free), 91-044-28520161|
Additions to the Plan
|Scope of Cover|
|Cashless facility||Available at empanelled hospitals in India.|
|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|
|Sum Insured||Deductible||Age (in years)|
|0-45||46-60||Above 60 years|
|2 persons||More than 2 persons||2 persons||More than 2 persons||2 persons||More than 2 persons|
|A||3 lakh||2 lakh||1700||2700||3400||2100||3400||4200||2300||3700||4600|
|B||5 lakh||2 lakh||2300||3700||4600||2900||4600||5800||3200||5100||6400|
|C||3 lakh||3 lakh||1400||2200||2800||1700||2700||3400||1900||3000||3800|
|D||5 lakh||3 lakh||1900||3000||3800||2300||3700||4600||2600||4200||5200|
|E||7 lakh||3 lakh||2500||4000||5000||3100||5000||6200||3500||5600||7000|
|F||5 lakh||5 lakh||1700||2700||3400||2100||3400||4200||2300||3700||4600|
|G||10 lakh||5 lakh||2900||4600||5800||3600||5800||7200||4000||6400||8000|
|H||15 lakh||5 lakh||4100||6600||8200||5100||8200||10200||5700||9100||11400|