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United India Health- Senior Citizen Policy

Entry Age (years)  
Minimum 61
Maximum 80
Coverage Type Individual
Sum Insured (Rs)  
Maximum 300000
Minimum 100000
Policy Term (years) 1
Discount Family discount of 5% will be allowed comprising the insured any one or more of family members
Pre Policy Medical Check Up Required at the discretion of insurer. Insurer will reimburse 50% of the cost upon acceptance of the proposal.
Policy Termination Insurance company may cancel the policy by giving a 15 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
Scope of Cover
Cashless facilityavailable if treatment availed in a network hospital
Reimbursement facilityavailable if treatment availed in a non-network hospital
Pre and post hospitalisationcovers medical expenses incurred during 30 days prior to admission to hospital and 60 days after discharge upto maximum of 10% of the sum insured or the actual expenses whichever is less.
Inpatient hospitalisationcovered
Room, boarding and nursing expensescovered upto lower of 1% of sum insured per day or actual expenses
I.C.U chargescovered upto lower of 2% of sum insured per day or actual amount
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-Raycovered
Other benefits
Domiciliary treatmentcovered
organ donor's hospitalisation expensesmedical expenses for treatment of organ donor in case of major organ transplant is covered
Day care procedurescovers those treatments which do not require an overnight stay in the hospital due to technological advancement as stated in the policy document
Cost of health check-upreimburses an amount upto maximum of 1% of average basic sum insured once after every 3 continuous claim free years
Cataract, Hernia, HysterectomyActual expenses incurred or 25% of the sum insured whichever is less
Major surgeries including cardiac surgeries, brain Tumour surgeries, pace maker implantation for sick sinus syndrome, cancer surgeries, hip, knee, joint replacement surgery, Organ TransplantActual expenses incurred or 70% of the sum insured.
Exclusions and Waiting Period
Pre-existing illnesseswill be covered after 4 continuous renewals with the company
No claim periodinitial 30 days since inception of the policy
Waiting periodcertain illnesses such as Hernia, Piles, Cataract, Hypertension, Diabetes etc, will be covered after a waiting period of 2 years.Joint Replacement due to degenerative condition and Age related osteoarthritis, and Osteoporosis will be covered after a period of 4 years.