- No medical check-up required up to 45 years and Rs. 10 Lakhs sum insured
- Maximum entry age is 80 years
- Optional cover for critical illness is available
- Organ donor treatment expenses are covered
Most Popular Policies of United India
- United India Insurance Family Medicare Policy
This policy covers both the proposer and his/her family. Two add-on covers are also available under this plan to cover daily expenses in hospital and ambulance costs.
Key features of Family Medicare Policy
- United India Super Top Up Plan
This top-up policy covers medical expenses when total amount goes past the deductible limit of what you have to pay.
Key features of Super Top-up Plan
- Up to Rs. 2,500 coverage for emergency ambulance service
- Selected day care procedures such as radiotherapy, chemotherapy,dental surgery, eye surgery, are covered
- Coverage for In-patient treatment is available beyond threshold limit up to the sum insured.
- Organ donor expenses are covered
- United India Individual Mediclaim Policy
This health insurance policy is designed to protect individuals from medical expenses for both planned and emergency hospitalization
Key features of Individual Mediclaim Policy
- Organ donor expenses Up to chosen sum assured
- Coverage for major surgeries Up to 70% of the chosen sum assured
- Coverage available for Specific day care procedures
- Coverage available for Ayurvedic treatment if undertaken at a government-approved center
- United India Senior Citizens Health Insurance Policy
Senior Citizens Health Insurance Policy is designed to protect senior citizens in the age group of 61 years to 80 years.
Senior citizen health insurance plan
- Organ donor expenses are covered up to sum assured
- Coverage for Cataract, Hysterectomy, Hernia up to 25% of sum assured
- Major surgeries are covered up to sum assured
- Ayush treatments are covered if it is undertaken at a government-approved center
United India Individual Mediclaim Policy
The word Mediclaim stands for the claim made on the basis of the medical treatment done to the benefactor of the policy. In the ever running world, getting a medical treatment done in case of emergencies or hospitalization means a whole bunch of money. Mediclaim policies have come up in these times of help. In such policies the benefactor usually insures a specific sum of money upon which he or she pays a specified rate of premium to the company.
When the benefactor of the policy is sick, then the company has to be informed about the hospitalization and the benefactor can then claim for a specific amount of money from the company which is needed for the treatment as reimbursement or at places the company networks with the hospital making it a cashless facility. That amount of money is then deducted from the sum insured and you can renew the new policy after a short period of time.
TheUnited India Individual Mediclaim Policyis one Mediclaim policy which can be used to cover an individual and his illness. Like all the other policies, this policy also has its pros and cons. There are different limits and sub limits too for the policy. Children can also be covered at times under the same policy.
Benefits given by the policy include:-
|Room, boarding expenses by the nursing home.||Surgeon, anesthetist, medical practitioner, consultants, specialist fees.|
|Nursing expenses.||Anesthesia, blood, oxygen, OT charges, surgical appliances, medicines etc.||Dialysis, Chemotherapy, radiotherapy, cost of pacemaker etc.|
This policy can be bought online from:-
You can buy the policy online if you are satisfied with the features and specifications that the policy provides. The site has features where you can pay through credit cards and debit cards. Net banking is something that is not available for the site. You also have the feature of calling an agent of the company home and asking him to explain to you the details regarding the policy. Click on the link below to buy the policy online.
Some of the exclusions to the policy include:-
Apart from the above mentioned diseases, the cost of spectacles, contact lenses, hearing aids etc are also excluded. Along with that, if the benefactor has not taken any kind of consultation, treatment or medication in respect of the hospitalization of which the claim is been made is excluded from the coverage of the policy. Any kind of injury or disease that is directly or indirectly caused by any nuclear weapon or materials also fall under the excluded category of the policy.
The eligibility criteria of the policy include:-
The sum insured under the policy is liable to be progressively increased by 5% in respect of each claim free year of insurance which is subject to a maximum of 10 claim free years of the insurance policy. All the claims that are to be made are to be paid in Indian currency. The cumulative bonus might be lost if he policy is not renewed on the date of expiry of the policy.
Any person who is within the age group of 5 years to 75 years can opt for this policy. The policy also covers children between 3 months and 5 years along with their parents. The policy term is of 1 year, after the completion of which it is also renewable.
Certain points to remember are:-
Any kind of premium that is to be paid under the policy is to be paid in advance. The receipt of premium should be duly stamped by the company or else it is not liable for any kind of official work.
In case of hospitalization, the company should be duly informed within 24 hours of the time of hospitalization or else the claim is taken to be rejected.
All the supporting documents related to the hospitalization along with the post-hospitalization bills should be filed with the Third Party Administrator within 7 days from the date of discharge.
The post hospitalization treatment to be borne by the company shall be of 60 days. All the claim documents shall be submitted within 7 days of the completion of the 60 days time period.
If the features and benefits given by the policy entice you enough to buy the policy then you can click on the link below. The link has all the details related to the policy and you can fill in the form to get the policy at your doorstep in no time.
Other companies giving similar policies:-
- Oriental Insurance Individual Mediclaim
- National Insurance Mediclaim Policy