United India Health Insurance Policy- Platinum

Policy Details

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