United India Health Insurance Policy - Gold

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United India Health Insurance Policy- Gold

	Objective			This is an online health insurance policy for individuals and it aims to cover inpatient hospitalisation expenses. It also covers treatment taken at home following certain conditions.
Suited for			The minimum entry age is 36 years. Those meeting the eligibility age and looking for a basic health insurance cover may opt for this policy. It can also cover other family members under the same policy on a floater or individual sum insured basis.
What does it do?			Like any other basic health policy, it pays the admissible claim amount as stated in the policy document. It covers hospitalisation expenses and domiciliary treatment availed at home on advice of medical practitioner or doctor. It also covers non-allopathic treatments like Ayurveda, Homeopathy and Unani, if the treatment has been availed in a government hospital or medical college.
Pros			It covers non-allopathic treatment as well. This policy can be bought online and the premium paid is eligible for tax benefit under section 80D of the Income Tax Act.
Cons			There are sub-limits on room rent, boarding and ICU charges.
Our View			It offers the benefits that any basic health insurance offers. Sub-limits on room rent, boarding, nursing and ICU are a drawback. There are policies without such limits.
Eligibility
Entry Age (years)
Minimum		36
Maximum		60
Coverage Type		Individual
Policy Term (years)		1
Sum Insured (Rs)
Maximum		500000
Minimum		100000
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		Mandatory for people above 45 years of age. 50% of the cost will be reimbursed on acceptance of the proposal
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		customercare@uiic.co.in
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 upto maximum of 10% of Sum Insured
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
Cataract, Hernia, Hysterectomy		actual expenses or 25% of the sum insured whichever is less
Mjor surgeries including cardiac surgeries, brain tumour surgeries, pace maker implantation for sick sinus syndrome, cancer surgeries, hip, knee, joint replacement surgery, Organ transplant		Actual expenses or 70% of the Sum Insured whichever is less
Ayurvedic/Homeopathic/ Unani treatment		covered only if hospitalised in a government hospital or medical college hospital

 

	Exclusions and Waiting Period
Pre-existing illnesses		will be covered after 4 years of continuous renewals with the company
No claim period		initial 30 days since inception of the policy
Waiting period		certain illnesses such as Hernia, Piles, Cataract, Sinusitis etc, will be covered after a waiting period of 2 years

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