United India Medicare Super Top Up

Product Overview

United-Super Top-up Plan is an affordable option of upgrading your policy. A super top-up Policy takes into consideration the sum total of all the bills in a year and not just the single instance during a claim and its is an inpatient hospitalization policy, admission as an inpatient for a minimum period of 24hrs is required.

Unique Features of United India Medicare Super Top Up

• Lifetime Renewal
• No Co-payment

Critical features of United India Medicare Super Top Up

• Room rent:
  Limits imposed towards room and ICU rent expenses
  Room rent limit not specified
• Co-Pay:
  Specific % of admissible claim amount to be borne by Insured
  This plan does not have co-payment clause
• No Claim Bonus:
  This plan does not have 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 is case of pre-existing diseases

Eligibility Criteria

• Minimum Age of Entry:- Children- 3 months/Adult-18 years
• Maximum age of Entry:- 80 years
• Renewal Age:- Life Long Renewal
• Policy Tenure:- 1 year
• Premium Calculated on Basis of:- Age, (i.e. sum Insured Choosen)

 

Waiting Period

• Covered from Day 1:
  Accidental Injuries.
• Covered after 30 Days:
  All incidences apart from specified surgeries & Pre existing diseases (if any)
• Covered after 2 Years:
  Not Specified

Exclusions

• War or any act of war, invasion and act of terrorism
• Plastic surgery, Cost of spectacles, Dental treatment or surgery of any kind unless requiring hospitalisation, intentional self injury.
• AIDS , Treatment arising from or traceable to pregnancy, Naturopathy Treatment,
• Any kind of Service charges, Surcharges, Admission Fees/Registration Charges levied by the hospital
• Expenses on vitamins and tonics unless forming part of treatment for injury or diseases as certified by the attending physician.
• Convalescence, general debility; run-down condition or rest cure, Congenital external disease or defects or anomalies.

Tax Benefits

• You can claim tax deduction benefit u/s 80D as per IT Act 1961 for premium paid towards this policy.
• Self, Spouse, Childrens - Up to Rs 20,000/-
• Parents-Up to Rs 25,000/-
• Parents (Senior Citizens) - Up to Rs 30,000/-

Claim Process

Insurer has to be intimated 24 hrs before hospitalization in a planned event and within 24 hrs in case of an emergency hospitalization. For reimbursement claims the final claim documents have to reach the insurers office within 15 days of discharge from the hospital.

Know More