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United India Super Top Up Medicare Policy

Objective

This is a top-up policy where the company will pay medical expenses when total bills exceed the Deductible limit. Deductible is the part of the medical bills that has to be paid by you before the insurer takes over to pay the rest.
Other top-up plans apply deductible limit to each hospitalisation in a policy year, i.e.  the policyholder has to pay up to the specified limit every time medical services are availed in a policy year. This plan sums up the annual expenses of each hospitalisation to reach the deductible limit. Insurance company pays, up to sum insured, for every hospitalisation after the deductible limit is breached.


Suited for

This policy is suitable for those with a basic health insurance policy looking to increase the sum insured. A top-up plan can lower the impact of rising medical costs. It can cover an individual or a family of proposer, spouse and 2 dependent children on floater basis. Parents can be covered under separate policy.


What does it do?

This policy covers inpatient treatment if hospitalisation exceeds 24 hours. It covers medical expenses, room rent, boarding, surgeon fee, anesthetist fee and specialist fee up to the sum insured. It also indemnifies   hospitalisation expenses incurred for a donor in case of an organ transplant. Treatments that do not require a 24-hour hospitalisation are covered under day care procedures.


Pros

Premiums paid under this plan qualify for deduction under Section 80D of Income Tax Act. Unlike peers, the deductible limit applies to claims on an aggregate basis.


Our View

This plan is recommended. If one wants to enhance insurance cover, it’s more cost-effective to take a top-up policy instead of choosing a new basic health policy as these are cheaper as compared to basic policies.
United India Super Top Up is a one of its kind policy which sums up the inpatient treatment cost to reach the deductible.

Eligibility
Entry Age (years) 
Minimum18; 3 months for children
Maximum80; 18 for children (except for unmarried, unemployed girls disabled children without income dependent upon Proposer or 26 for male child if they pursue full-time higher studies and submit Bonafide Certificate from Educational Institution)
Coverage TypeIndividual/ Family floater
Sum Insured (Rs) 
Maximum15 lakh
Minimum3 lakh
Policy Term (years)1
Pre Policy Medical Check UpCompulsory for entry age 45 years or above
Policy TerminationInsurance company may terminate the policy by giving a written notice of 7 days. Policyholder is allowed to terminate the policy at anytime by giving a written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Customer Service 
AddressUnited India Insurance Co. Ltd.
24, Whites Road,
Chennai - 600014
Mail to[email protected]
Call to91-044-28520161
Additions to the Plan
Scope of Cover
Cashless facilityAvailable at empanelled hospitals in India.
Re-imbursementAvailable
Pre-post hospitalisationRelevant medical expenses covered from 30 days prior and 60 days post hospitalisation
In-patient TreatmentCovered in excess of threshold limit upto sum insured
Expenses for organ donor of transplantCovered
Emergency AmbulanceUp to Rs 2,500 per hospitalisation
Day-Care ProceduresCovers Dialysis, Chemotherapy, Radiotherapy; Eye Surgery, Dental Surgery, Lithotripsy (KidneyStone removal), D & C, Tonsillectomy
Exclusions and Waiting Period
Pre existing Diseases Pre existing diseases will be covered after a period of 4 years of continuous coverage
General ExclusionsAIDS and or other related diseasesWar, participation in any criminal activity or any other related conditionPlastic surgery or any other beauty related treatmentDental treatment or surgeryNaturopathy, accupressure and other such therapies
Annual Premium
Options Sum InsuredThreshold Level0-4546-60Above 60 years
IndividualFamilyIndividualFamilyIndividualFamily
2 personsMore than 2 persons2 personsMore than 2 persons2 personsMore than 2 persons
A3 lakh2 lakh210034004200260042005200290046005800
B5 lakh2 lakh290046005800360058007200400064008000
C3 lakh3 lakh170027003400210034004200230037004600
D5 lakh3 lakh230037004600290046005800320051006400
E7 lakh3 lakh290046005800360058007200400064008000
F5 lakh5 lakh190030003800230037004600260042005200
G10 lakh5 lakh3700590074004600740092005100820010200
H15 lakh5 lakh52008300104006500104001300072001150014400

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