| 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
|
| 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 |
