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United India Health Insurance Policy- Platinum

Objective

This is an online health insurance policy that aims to provide for hospitalisation expenses availed as an inpatient and other related expenses.


Suited for

This policy can be bought by an individual up to 35 years of age. Family members including spouse, dependent children and dependent parents can also be covered under same policy on an individual sum insured basis.


What does it do?

The insurance company will pay the medical expenses incurred during hospitalisation or at home on advice of a doctor. It also provides other benefits as agreed upon in the policy document.


Pros

It covers non-allopathic treatment as well.
This policy can be bought online through company's website.


Cons

There are sub-limits on room rent, boarding and ICU charges.

Eligibility
Entry Age (years) 
Minimum3 months
Maximum35
Coverage TypeIndividual
Sum Insured (Rs) 
Maximum1000000
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 UpPerson above 45 years of age will be required to undergo medical check up
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
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
Ayurvedic/Homeopathic/ Unani treatmentcovered only if hospitalized in a government hospital or medical college hospital
Exclusions and Waiting Period
General ExclusionsAll congenital diseasesNaturopathy treatment, acupressure or any non allopathic treatment
Annual Premium
Renewals only
Age (in years)
Sum Insured (R)Domiciliary Hospitalisation limit (R)3 mnths-25 26-3031-3536-4041-4546-5556-60
5000010000900100011001300160019502700
75000150001050115013001500180022253300
100000200001200130015001700200025003900
125000237501500160017251950230032004700
150000272501800185019502200260039005500
175000312502000217523502725325044506200
200000350002200250027503250410050006900
225000375002350267529503500430053757475
250000400002500285031503750455057508050
275000425002650307533253950480061008525
300000450002800330035004150510064509000
325000475002926347436574373545068239569
3500005000030963677387046285800725810196
3750005000032673880408448836150769510823
4000005000034384082429751376500812911451
4250005000036084285451053936750856612076
4500005000037784487472356497000900112705
4750005000039504690493759047400943813331
5000005000041214893515161587800987313958
52500050000430051065375642683641030214565
55000050000448753285609670587281075015199
57500050000468255605853699791071121815860
60000050000488658026107730195041170616550
62500050000509960546373761999171221517270
650000500005320631866507950103481274718021
675000500005552659369408296107991330118805
700000500005793687972428657112681388019623
725000500006045717975579034117581448320476
750000500006308749178859426122701511321367
775000500006583781782289837128041577122297
8000005000068698157858610264133611645723267
8250005000071688512896010711139421717324279
8500005000074808882934911177145481792025335
8750005000078059268975611663151811869926437
90000050000814496721018112170158421951327587
925000500008499100921062312700165312036228787
950000500008868105311108613252172502124730039
975000500009254109891156813829180002217131346
1000000500009657114671207114430187832313632709
Premium rates are exclusive of service tax and cess

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