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United India Top Up Medicare Policy

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 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 upto sum insured
Expenses for organ donor of transplantCovered
Emergency AmbulanceUp to Rs 2,500 per hospitalisation
Expenses for organ donor or transplantCovered
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