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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) 
Minimum36
Maximum60
Coverage TypeIndividual
Sum Insured (Rs) 
Maximum500000
Minimum100000
Policy Term (years)1
DiscountFamily discount of 5% of total premium if any family member is also insured under same policy
No Claim BonusNo claim discount of 5% for every claim free year and subsequent years subject to a maximum of 25%
Pre Policy Medical Check UpMandatory for people above 45 years of age. 50% of the cost will be reimbursed on acceptance of the proposal
Grace Period for Policy Renewal15 days
Policy TerminationInsurance 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 
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 Sum Insured
Inpatient hospitalisationcovered
Room rent, boarding and nursing expensescovered upto 1% of sum insured per day or actual expenses whichever is less
I.C.U chargescovered 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-Raycovered
Domiciliary hospitalisationcovered
Other benefits
organ donor's hospitalisation expensesmedical expenses for treatment of organ donor in case of major organ transplant is covered
Day care treatmentcovered for treatment of illnesses mentioned 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 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 transplantActual expenses or 70% of the Sum Insured whichever is less
Ayurvedic/Homeopathic/ Unani treatmentcovered only if hospitalised in a government hospital or medical college hospital
Exclusions and Waiting Period
Pre-existing illnesseswill be covered after 4 years of continuous renewals with the company
No claim periodinitial 30 days since inception of the policy
Waiting periodcertain 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)
36-4041-4546-5556-6061-65*66-70*71-75*76-80*
500001000013001600195027002950360040005000
750001500015001800222533003725455049506150
1000002000017002000250039004500550059007300
1250002375019502300320047005350675071758850
15000027250220026003900550062008000845010400
17500031250272532504450620069008675952511700
200000350003250410050006900760093501060013000
2250003750035004300537574758200101251152514175
2500004000037504550575080508800109001245015350
2750004250039504800610085259350115751325016325
3000004500041505100645090009900122501405017300
32500047500437354506823956910488130111483318244
350000500004628580072581019611176138811582519464
375000500004883615076951082311863147501681520682
400000500005137650081291145112551156201780721902
425000500005393675085661207613237164901879923122
450000500005649700090011270513926173601979124342
475000500005904740094381333114612182292078125560
500000500006158780098731395815299190992177226780
Premium rates are exclusive of service tax and cess.*Renewals only

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