United India Health Platinum Plan

Product Overview

United India - Platinum Health Insurance Plan is an inpatient hospitalization policy, along with host of other benefits like - Ayurvedic Treatment, Day care treatments, No Claim Discount, etc.

Unique Features of United India Health Platinum Plan

• Any expenses related to Organ Donor shall be covered under the policy.
• Non-Allopathic Treatment like Ayurvedic, Unani and Homeopathic treatment are covered under this plan.
• Health Check ups: Expenses of Health check-up will be reimbursed once at the end of every three continuous years of insurance provided no claims are reported, subject to 1% of the Sum Insured.

Critical features of United India Health Platinum Plan

• Room rent:
  Limits imposed towards room and ICU rent expenses

1. Room Rent Limit - 1% of the Sum Insured
2. ICU Limit - 2% of the sum Insured

• Co-Pay:
  Specific % of admissible claim amount to be borne by Insured
  Under this plan there is no co-payment clause applicable.
• No Claim Bonus:
  Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
  This plan does not offer no claim bonus benefits.
• Pre-Existing Diseases:
  Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
  NIL Waiting Period

Eligibility Criteria

• Minimum Age of Entry:- Children- 3 months/Adult-18 years
• Maximum age of Entry:- 35 years
• Sum Insured:- 1 Lakh to 10 Lakhs in increments of Rs.50,000
• Policy Tenure:- 1 year
• Premium Calculated on Basis of:- Age, (i.e. sum Insured Choosen)

Add-ons

• Ambulance Cover
• Daily Cash Allowance

Additional discounts

• A Family discount of 5% will be applicable if 2 or more members (Spouse, Dependant Children, Dependent Parents) are covered under a single policy.

Waiting Period

• Covered from Day 1:
  Accidental Injuries.
• Covered after 30 Days:
  All incidences apart from specified surgeries, Permanent exclusion & Pre-existing diseases (if any)
• Covered after 2 Years:
  NIL

Exclusions

• Vaccination and Inoculation of any kind unless it is post-animal bite
• General debility and Run down conditions
• Circumcision, Cosmetic surgery, Plastic surgery.
• HIV/AIDS
• Psychiatric and psychosomatic disorders
• Injury arising out of drug/alcohol abuse
• Pregnancy, ailments related thereto and child birth
• War, act of foreign enemy, ionizing radiation and nuclear weapon.
• Naturopathy
• Experimental or unproven treatment
• All external equipments
• Dental treatments
• Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations

 

Note: Any claims arising out of or attributable to any of the following is not covered, Please refer policy T & C for a detailed list of exclusions.

Tax Benefits

The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.

Claim Process

In case you would like to know about the Claim Process or would like to register a Claim please click the link below

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