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

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