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United India Health- Senior Citizen Policy

Objective

This health insurance policy is designed for senior citizens and provides  hospitalisation expenses incurred due to an illness or accident.


Suited for

Any person between 61 and 80 years of age, looking for insurance up to Rs 3 lakh can enter this policy.


What does it do?

It covers expenses of hospitalisation, treatment taken at home on advice of doctors, day care treatment which does not need overnight hospitalisation. There exists a co-payment clause which requires the insured person to bear 20 per cent of the admissible claim amount.


Pros

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


Cons

There are sub-limits on room rent, boarding and ICU charges. Co-payment clause in case of major illnesses is another drawback. It offers a maximum cover up to Rs 3 lakh only.


Our View

It offers basic coverage to senior citizens with co-payment clause and sub-limits. When buying insurance for elderly, you cannot escape such clauses as most senior citizen policies come attached with these. You should prefer a policy with least exclusions and  low waiting period to cover an illness.

Eligibility
Entry Age (years) 
Minimum61
Maximum80
Coverage TypeIndividual
Sum Insured (Rs) 
Maximum300000
Minimum100000
Policy Term (years)1
DiscountFamily discount of 5% will be allowed comprising the insured any one or more of family members
Pre Policy Medical Check UpRequired at the discretion of insurer. Insurer will reimburse 50% of the cost upon acceptance of the proposal.
Policy TerminationInsurance company may cancel the policy by giving a 15 days notice period. Insurance company in such a case will repay the pro-rata premium to the insurer if claim has not been made. Insurer may also cancel the policy at any time.
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 if treatment availed in a network hospital
Reimbursement facilityavailable if treatment availed in a non-network hospital
Pre and post hospitalisationcovers medical expenses incurred during 30 days prior to admission to hospital and 60 days after discharge upto maximum of 10% of the sum insured or the actual expenses whichever is less.
Inpatient hospitalisationcovered
Room, boarding and nursing expensescovered upto lower of 1% of sum insured per day or actual expenses
I.C.U chargescovered upto lower of 2% of sum insured per day or actual amount
Surgeon, anaesthetist, medical practitioner, consultants, specialist fees, blood, oxygen, chemotherapy, Radiotherapy, Artificial limbs, Cost of prosthetic devices implanted during surgical procedure like pacemaker etc., X-Raycovered
Other benefits
Domiciliary treatmentcovered
organ donor's hospitalisation expensesmedical expenses for treatment of organ donor in case of major organ transplant is covered
Day care procedurescovers those treatments which do not require an overnight stay in the hospital due to technological advancement as stated in the policy document
Cost of health check-upreimburses an amount upto maximum of 1% of average basic sum insured once after every 3 continuous claim free years
Cataract, Hernia, HysterectomyActual expenses incurred or 25% of the sum insured whichever is less
Major surgeries including cardiac surgeries, brain Tumour surgeries, pace maker implantation for sick sinus syndrome, cancer surgeries, hip, knee, joint replacement surgery, Organ TransplantActual expenses incurred or 70% of the sum insured.
Exclusions and Waiting Period
Pre-existing illnesseswill be covered after 4 continuous renewals with the company
No claim periodinitial 30 days since inception of the policy
Waiting periodcertain illnesses such as Hernia, Piles, Cataract, Hypertension, Diabetes etc, will be covered after a waiting period of 2 years.Joint Replacement due to degenerative condition and Age related osteoarthritis, and Osteoporosis will be covered after a period of 4 years.
Annual Premium
Sum Insured (in Rs)Domiciliary Hospitalisation limit (R)Age (in years)
61-6566-7071-7576-80
50000100002950360040005000
75000150003725455049506150
100000200004500550059007300
125000237505350675071758850
1500002725062008000845010400
1750003125069008675952511700
20000035000760093501060013000
225000375008200101251152514175
250000400008800109001245015350
275000425009350115751325016325
300000450009900122501405017300
Premium rates are exclusive of service tax. Renewals beyond 80 years slab will be done at same premium as 80 years slab.