United India Health Insurance Policy- Gold

Objective

This is an online health insurance policy for individuals and it aims to cover inpatient hospitalisation expenses. It also covers treatment taken at home following certain conditions.

Suited for

The minimum entry age is 36 years. Those meeting the eligibility age and looking for a basic health insurance cover may opt for this policy. It can also cover other family members under the same policy on a floater or individual sum insured basis.

What does it do?

Like any other basic health policy, it pays the admissible claim amount as stated in the policy document. It covers hospitalisation expenses and domiciliary treatment availed at home on advice of medical practitioner or doctor. It also covers non-allopathic treatments like Ayurveda, Homeopathy and Unani, if the treatment has been availed in a government hospital or medical college.

Pros

It covers non-allopathic treatment as well.
This policy can be bought online and the 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.

Our View

It offers the benefits that any basic health insurance offers. Sub-limits on room rent, boarding, nursing and ICU are a drawback. There are policies without such limits.

Eligibility

Entry Age (years)
Minimum	36
Maximum	60
Coverage Type	Individual
Sum Insured (Rs)
Maximum	500000
Minimum	100000
Policy Term (years)	1
Discount	Family discount of 5% of total premium if any family member is also insured under same policy
No Claim Bonus	No claim discount of 5% for every claim free year and subsequent years subject to a maximum of 25%
Pre Policy Medical Check Up	Mandatory for people above 45 years of age. 50% of the cost will be reimbursed on acceptance of the proposal
Grace Period for Policy Renewal	15 days
Policy Termination	Insurance company may cancel the policy by giving a 7 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
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 if treatment availed in a network hospital
Reimbursement facility	available if treatment availed in a non-network hospital
Pre and post hospitalisation	covers medical expenses incurred during 30 days prior to admission to hospital and 60 days after discharge upto maximum of 10% of Sum Insured
Inpatient hospitalisation	covered
Room rent, boarding and nursing expenses	covered upto 1% of sum insured per day or actual expenses whichever is less
I.C.U charges	covered upto 2% of sum insured per day
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-Ray	covered
Domiciliary hospitalisation	covered
Other benefits
organ donor's hospitalisation expenses	medical expenses for treatment of organ donor in case of major organ transplant is covered
Day care treatment	covered for treatment of illnesses mentioned in the policy document
Cost of health check-up	reimburses an amount upto maximum of 1% of average basic sum insured once after every 3 continuous claim free years
Cataract, Hernia, Hysterectomy	actual expenses or 25% of the sum insured whichever is less
Mjor surgeries including cardiac surgeries, brain tumour surgeries, pace maker implantation for sick sinus syndrome, cancer surgeries, hip, knee, joint replacement surgery, Organ transplant	Actual expenses or 70% of the Sum Insured whichever is less
Ayurvedic/Homeopathic/ Unani treatment	covered only if hospitalised in a government hospital or medical college hospital

Exclusions and Waiting Period
Pre-existing illnesses	will be covered after 4 years of continuous renewals with the company
No claim period	initial 30 days since inception of the policy
Waiting period	certain illnesses such as Hernia, Piles, Cataract, Sinusitis etc, will be covered after a waiting period of 2 years

Annual Premium
Sum Insured (R)	Domiciliary Hospitalisation limit (R)	Age (in years)
		36-40	41-45	46-55	56-60	61-65*	66-70*	71-75*	76-80*
50000	10000	1300	1600	1950	2700	2950	3600	4000	5000
75000	15000	1500	1800	2225	3300	3725	4550	4950	6150
100000	20000	1700	2000	2500	3900	4500	5500	5900	7300
125000	23750	1950	2300	3200	4700	5350	6750	7175	8850
150000	27250	2200	2600	3900	5500	6200	8000	8450	10400
175000	31250	2725	3250	4450	6200	6900	8675	9525	11700
200000	35000	3250	4100	5000	6900	7600	9350	10600	13000
225000	37500	3500	4300	5375	7475	8200	10125	11525	14175
250000	40000	3750	4550	5750	8050	8800	10900	12450	15350
275000	42500	3950	4800	6100	8525	9350	11575	13250	16325
300000	45000	4150	5100	6450	9000	9900	12250	14050	17300
325000	47500	4373	5450	6823	9569	10488	13011	14833	18244
350000	50000	4628	5800	7258	10196	11176	13881	15825	19464
375000	50000	4883	6150	7695	10823	11863	14750	16815	20682
400000	50000	5137	6500	8129	11451	12551	15620	17807	21902
425000	50000	5393	6750	8566	12076	13237	16490	18799	23122
450000	50000	5649	7000	9001	12705	13926	17360	19791	24342
475000	50000	5904	7400	9438	13331	14612	18229	20781	25560
500000	50000	6158	7800	9873	13958	15299	19099	21772	26780
Premium rates are exclusive of service tax and cess.Renewals only*

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