United India Individual Health Insurance Gold Plan
Product Overview
United India - Gold 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 Individual Health Insurance Gold Plan
- There is No Co-Payment clause under this plan.
- Under this plan expenses related to Organ Donor are covered.
- Non-Allopathic Treatment like Ayurvedic, Unani and Homeopathic treatment are covered under this plan.
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Critical features of United India Individual Health Insurance Gold Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
- Room Rent Limit - 1% of the Sum Insured
- 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
- Sub limit on Cataract, Hernia,Hysterectomy-Actual expenses incurred or 25% of the sum insured whichever is less
- Sub limit on Major surgeries - Actual expenses incurred or 70% of the Sum Insured whichever is less
- 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
This plans has a waiting period of 4 years in case of pre-existing diseases
Eligibility Criteria
- Minimum Age of Entry:- Children- 3 months/Adult-36 years
- Maximum age of Entry:- 60 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:
Ambulance charges upto maximum of Rs.2500/- per policy period on payment of additional premium of Rs.100/-
- Daily Cash Allowance:
Hospital daily cash benefit of Rs.250/500 per day subject to max. of 2500/5000 per hospitalization on payment of additional premium of Rs.150/300.
Additional discounts
- A Family discount of 5%
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
