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United India Personal Accident Policy

Objective

This is a personal accident policy that aims to provide for any physical injury or death caused by an accident.


Suited for

Anyone between 12 and 70 years of age can buy this policy. A 70 year old can also take this policy till 80 years subject to medical examination.


What does it do?

It is a simple policy covering death. The policy gives a choice to cover permanent disablement too. The benefits are classified under three tables. Table 1 is the most basic variant that covers accidental death of the insured. Table 2 covers permanent total disablement and death of insured and Table 3  covers permanent partial disablement in addition to risks covered under Table 2.
Premium rates will depend on risk involved in securing the life. Premium will be higher for those performing risky jobs. The policy will also pay education fund for continuation of deceased's children’s education and transportation charges for carrying the insured member from site of accident. Medical expenses can also be covered by paying an additional premium.


Pros

The policy offers a higher term and gives an option to cover medical expenses.
It pays education fund for deceased's children.
Annual no-claim bonus increases sum insured without charging extra premium. There is an option to cover spouse under the same policy.


Cons

There is no tax benefit.


Our View

This is a cost effective plan offering good coverage. We recommend this policy.
You should evaluate your insurance need before buying a health insurance policy. For instance, you may have a basic health policy that covers hospitalisation expenses, hence you may not need to buy additional medical expense benefit offered under this policy.

Eligibility
Entry Age (years) 
Minimum12
Maximum70
Maximum Policy Renewal Age (years)80
Coverage TypeIndividual/ Individual and spouse
Sum Insured (Rs) 
Maximum1000000
Minimum25000
Policy Term (years)1
DiscountFamily discount of 10% on sum insured is applicable
No Claim BonusNo claim bonus of 5% of sum insured for each claim free year upto maximum of 50% of sum insured
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 network hospitals
Reimbursement facilityavailable at non-network hospital
Accidental Deathcovered; pays 100% of sum insured
Accidental permanent total diablementcovered; pays 100% of sum insured
Loss of two limbs/ Two eyes or one limb and one eyecovered; pays 100% of sum insured
Loss of one limb or one eyecovered; pays 50% of sum insured
Permanent partial disablementcovered; pays certain % of sum insured as per policy
Temporary Total Disablement1 % of Capital Sum Insured per week Subject to a maximum of Rs 3000 per week for a maximum period of 100 weeks
Education fundpays for upto 2 dependent children as per policy terms
Transportation of dead body form accident sitecovered as per policy details
Optional Benefits (require additional premium)
Medical expensespays 25% of actual claim or 10% of sum insured
Exclusions and Waiting Period
General exclusionssuicide attemptpregnancy related claims
Cost Details not available on the company's website.