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) | |
| Minimum | 3 months |
| Maximum | 35 |
| Coverage Type | Individual |
| Sum Insured (Rs) | |
| Maximum | 1000000 |
| 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 | Person above 45 years of age will be required to undergo medical check up |
| 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 |
| 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 |
| Ayurvedic/Homeopathic/ Unani treatment | covered only if hospitalized in a government hospital or medical college hospital |
| Exclusions and Waiting Period | |
| General Exclusions | All 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 | 26-30 | 31-35 | 36-40 | 41-45 | 46-55 | 56-60 | |
| 50000 | 10000 | 900 | 1000 | 1100 | 1300 | 1600 | 1950 | 2700 | |
| 75000 | 15000 | 1050 | 1150 | 1300 | 1500 | 1800 | 2225 | 3300 | |
| 100000 | 20000 | 1200 | 1300 | 1500 | 1700 | 2000 | 2500 | 3900 | |
| 125000 | 23750 | 1500 | 1600 | 1725 | 1950 | 2300 | 3200 | 4700 | |
| 150000 | 27250 | 1800 | 1850 | 1950 | 2200 | 2600 | 3900 | 5500 | |
| 175000 | 31250 | 2000 | 2175 | 2350 | 2725 | 3250 | 4450 | 6200 | |
| 200000 | 35000 | 2200 | 2500 | 2750 | 3250 | 4100 | 5000 | 6900 | |
| 225000 | 37500 | 2350 | 2675 | 2950 | 3500 | 4300 | 5375 | 7475 | |
| 250000 | 40000 | 2500 | 2850 | 3150 | 3750 | 4550 | 5750 | 8050 | |
| 275000 | 42500 | 2650 | 3075 | 3325 | 3950 | 4800 | 6100 | 8525 | |
| 300000 | 45000 | 2800 | 3300 | 3500 | 4150 | 5100 | 6450 | 9000 | |
| 325000 | 47500 | 2926 | 3474 | 3657 | 4373 | 5450 | 6823 | 9569 | |
| 350000 | 50000 | 3096 | 3677 | 3870 | 4628 | 5800 | 7258 | 10196 | |
| 375000 | 50000 | 3267 | 3880 | 4084 | 4883 | 6150 | 7695 | 10823 | |
| 400000 | 50000 | 3438 | 4082 | 4297 | 5137 | 6500 | 8129 | 11451 | |
| 425000 | 50000 | 3608 | 4285 | 4510 | 5393 | 6750 | 8566 | 12076 | |
| 450000 | 50000 | 3778 | 4487 | 4723 | 5649 | 7000 | 9001 | 12705 | |
| 475000 | 50000 | 3950 | 4690 | 4937 | 5904 | 7400 | 9438 | 13331 | |
| 500000 | 50000 | 4121 | 4893 | 5151 | 6158 | 7800 | 9873 | 13958 | |
| 525000 | 50000 | 4300 | 5106 | 5375 | 6426 | 8364 | 10302 | 14565 | |
| 550000 | 50000 | 4487 | 5328 | 5609 | 6705 | 8728 | 10750 | 15199 | |
| 575000 | 50000 | 4682 | 5560 | 5853 | 6997 | 9107 | 11218 | 15860 | |
| 600000 | 50000 | 4886 | 5802 | 6107 | 7301 | 9504 | 11706 | 16550 | |
| 625000 | 50000 | 5099 | 6054 | 6373 | 7619 | 9917 | 12215 | 17270 | |
| 650000 | 50000 | 5320 | 6318 | 6650 | 7950 | 10348 | 12747 | 18021 | |
| 675000 | 50000 | 5552 | 6593 | 6940 | 8296 | 10799 | 13301 | 18805 | |
| 700000 | 50000 | 5793 | 6879 | 7242 | 8657 | 11268 | 13880 | 19623 | |
| 725000 | 50000 | 6045 | 7179 | 7557 | 9034 | 11758 | 14483 | 20476 | |
| 750000 | 50000 | 6308 | 7491 | 7885 | 9426 | 12270 | 15113 | 21367 | |
| 775000 | 50000 | 6583 | 7817 | 8228 | 9837 | 12804 | 15771 | 22297 | |
| 800000 | 50000 | 6869 | 8157 | 8586 | 10264 | 13361 | 16457 | 23267 | |
| 825000 | 50000 | 7168 | 8512 | 8960 | 10711 | 13942 | 17173 | 24279 | |
| 850000 | 50000 | 7480 | 8882 | 9349 | 11177 | 14548 | 17920 | 25335 | |
| 875000 | 50000 | 7805 | 9268 | 9756 | 11663 | 15181 | 18699 | 26437 | |
| 900000 | 50000 | 8144 | 9672 | 10181 | 12170 | 15842 | 19513 | 27587 | |
| 925000 | 50000 | 8499 | 10092 | 10623 | 12700 | 16531 | 20362 | 28787 | |
| 950000 | 50000 | 8868 | 10531 | 11086 | 13252 | 17250 | 21247 | 30039 | |
| 975000 | 50000 | 9254 | 10989 | 11568 | 13829 | 18000 | 22171 | 31346 | |
| 1000000 | 50000 | 9657 | 11467 | 12071 | 14430 | 18783 | 23136 | 32709 | |
| Premium rates are exclusive of service tax and cess | |||||||||
