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| Eligibility | |
| Entry Age (years) | |
| Minimum | 18; 3 months for children |
| Maximum | 80; 18 (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 |
| Maximum | 80; 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 Type | Individual/ Family floater |
| Sum Insured (Rs) | |
| Maximum | 15 lakh |
| Minimum | 3 lakh |
| Policy Term (years) | 1 |
| Tax Benefit | Premium paid is eligible for tax benefit under section 80D of the Income Tax Act |
| Pre Policy Medical Check Up | Compulsory for entry age 45 years or above |
| Grace Period for Policy Renewal | 15 days |
| Policy Termination | Insurance 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 | |
| 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 |
| Scope of Cover | |
| Cashless facility | Available at empanelled hospitals in India. |
| Re-imbursement | Available |
| Pre-post hospitalisation | Relevant medical expenses covered from 30 days prior and 60 days post hospitalisation |
| In-patient Treatment | Covered upto sum insured |
| Expenses for organ donor of transplant | Covered |
| Emergency Ambulance | Up to Rs 2,500 per hospitalisation |
| Expenses for organ donor or transplant | Covered |
| Day-Care Procedures | Covers 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 Exclusions | AIDS 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 |