United India Health Insurance

Among all the health insurance companies, United India Health Insurance Company Limited stands as the market leaders in providing insurance solutions. The insurance products offered by them include marine, personal accident, fire and rural insurance. The policies offered by them are Gold, Platinum, Top Up, Super Top Up, Family Medicare, Individual Medicare, Senior Citizen, UNI Criticare And Workmen Medicare Policy and cover all United Healthcare services under United healthcare India.

Some of the Features & Benefits of United India Health Insurance

  • Easy online purchase of policies.
  • Comprehensive medical cover which includes room rent, hospitalization cover, ICU charges and other special discount offers.
  • No claim bonus while renewing the policy taken.
  • Cashless hospitalization throughout the network of hospitals across country.
  • complimentary medical check-up at regular intervals.
  • Pre-hospitalization cover which includes consultation charges and medical expenses for up to 30 days
  • Ambulance fee will be reimbursed.
  • Round the clock 24/7 customer support for queries relating to claims, purchases, renewals and other issues.

Plans provided by United India Health Insurance are as below;

 

Family Medicare

This United healthcare policy provides a comprehensive coverage to policy holder and his / her family including Ayush treatment, hospitalisation expenses, pre-hospitalisation expense, day care treatment, etc.  

Unique Features of Family Medicare Plan

  • Claiming of Income Tax exemption for the premium amount paid.
  • Complimentary medical check-up after 3 years of no claim.
  • High quality and cashless hospitalization across country.
  • 15 days of free look period.
  • 3% no claim bonus after completing 3 years.

 

 

 

FAMILY MEDICARE PLAN DETAILS
Policy Term 1 Year
Entry Age 18 years to 80 years; 3 months to 18 years
Plan Basis Individual and family
Sum Insured Range 1 lakh to 10 lakhs
Medical Screening Compulsory for 45 and above
No Claim Bonus 3% after completing 3 years

Family Medicare 2014

The Family Medicare 2014 plan under United healthcare India is an enhanced health insurance policy that covers all members of the family including spouse and dependent children. This policy provides coverage even for certain Ayurveda treatments.

Unique Features of Family Medicare 2014

  • coverage for Ayurveda treatments certified by Council of India.
  • Cashless facility available across country
  • Tax exemption for the premium amount paid.
  • Complimentary medical check-up after completing 3 claim years
  • No claim bonus of 3% after 3 years.
  • Pre-and post-hospitalization coverage.

 

 

Plan Details

FAMILY MEDICARE 2014 PLAN DETAILS
Policy Term 1 year
Entry Age 18 years to 80 years; children aged 3 months to 18 years
Plan Basis Individual and / or family (self, spouse, children who are dependent)
Sum Insured Range 2 lakhs to 10 lakhs
Medical Screening Compulsory for applicants aged 45 and above
No Claim Bonus No claim discount of 3% after 3 years

Gold

This is a United Healthcare family policy with entry age of 36 years and above and it covers major surgeries, ICU charges, organ donor hospitalization expenditures and other United healthcare add-ons.

 

Unique Features of Gold Plan

  • Coverage for fees of specialist, surgeons, anaesthetics, consultants and other medical practitioners.
  • Coverage for nursing, room charges and boarding.
  • Reimbursement of pre-and post hospitalization expenses.
  • Coverage for blood tests, x-rays, medicines, dialysis, etc.
  • Tax exemption applicable.
  • Cashless hospitalization across country.

Complimentary medical check-up for 3 years of no claim.

GOLD PLAN DETAILS
Policy Term 1 year
Entry Age 36 years to 60 years; children aged 3 months to 18 years
Plan Basis Individual and / or family
Sum Insured Range 1 lakh to lakhs
Medical Screening Compulsory for applicants 45 years and above
Discounts A 5% discount for family policy

 

Individual Mediclaim

The Individual Mediclaim Policy under United India Health Insurance provides coverage for individuals only for boarding, hospitalization, surgery, operation theatre fees, etc.

Unique Features of Individual Mediclaim Plan

  • Policy covers certain illnesses such as influenza, diarrhoea, asthma, bronchitis, epilepsy, tonsillitis, arthritis, psychiatric problems, diabetes, and chronic nephritis.
  • pre- and post-hospitalization expenditures covered.
  • Charges for oxygen, pacemaker, anaesthetise and diagnostic material covered.

 

 

Individual Mediclaim Plan details

Policy Term 1 year
Plan Basis Individual
Discounts Family discount of 5%

Platinum

This plan under United India health insurance is designed for the younger generation.

 

Unique Features of Platinum Plan

  • Tax exemption
  • Complimentary medical check-up
  • 15 days’ free look period
  • cashless service at networked hospitals.
  • Covers Ayush treatments, day-care, pre-and post-hospitalisation.
  • ICU, nursing and boarding covered.

PLATINUM PLAN DETAILS
Policy Term 1 year
Entry Age 18 to 35 years
Plan Basis Individual and family
Sum Insured Range 1 lakhs to 10 lakhs
Medical Screening Compulsory for 45 years and above
Discounts 5% family discount

Senior Citizen

This United healthcare plan is specially designed for the older generation.

Unique features of Senior Citizen plan

  • Tax exemption.
  • Complimentary medical check-up.
  • Services at cashless networked hospitals.
  • Ayush treatment and day care covered.
  • 30 days’ hospitalization expenses covered.

 

SENIOR CITIZEN PLAN
POLICY TERM 1 year
ENTRY AGE 61 to 80 years
PLAN BASIS Individual and family
SUM INSURED RANGE 1 lakh to 10 lakhs
CO-PAYMENT 20% in case of serious illness
DISCOUNTS 5% discount for additional membership

 

Super Top-up & Top-up plan

This United health insurance plan provides added coverage in addition to an already existing insurance policy which has been exhausted, claimed or if the policy holder wants more coverage.

UNI Criticare Plan

This United India health insurance plan offers coverage to as many as 11 serious illnesses. A lump sum amount will be provided upon diagnosing the illness.

 

Unique features of UNI Criticare Plan

  • covers heart attack, cancer, limb paralysis, neuron diseases, bone marrow, organ transplants and many other serious illnesses.
  • 15 days’ free look period
  • Tax exemption

 

 

UNI CRITICARE PLAN
Policy Term 1 year
Entry Age Those aged between 21 and 65 years
Plan Basis Individual
Sum Insured Range Min: Rs.1 lakh Max: Rs.10 lakh
Waiting Period 90 days

Workmen Medicare Policy

This United healthcare policy is designed for factory workers and labourers covering accidents and unfortunate events during work.

Unique Features of Workmen Medicare Policy

  • 1% of sum insured towards room charges, nursing and boarding expenditures.
  • Specialists, surgeons and other fees covered.
  • Ambulance charges up to Rs.2500 covered.

Workmen Medicare
Entry Age Employable age
Plan Basis Individual
Sum Insured Range 1 lakh – 1.5 lakhs
Waiting Period 90 days