United India Health Insurance Policy - Platinum

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United India Health Insurance Policy- Platinum

	Objective			This is an online health insurance policy that aims to provide for hospitalisation expenses availed as an inpatient and other related expenses.
Suited for			This policy can be bought by an individual up to 35 years of age. Family members including spouse, dependent children and dependent parents can also be covered under same policy on an individual sum insured basis.
What does it do?			The insurance company will pay the medical expenses incurred during hospitalisation or at home on advice of a doctor. It also provides other benefits as agreed upon in the policy document.
Pros			It covers non-allopathic treatment as well. This policy can be bought online through company's website.
Cons			There are sub-limits on room rent, boarding and ICU charges.
Eligibility
Entry Age (years)
Minimum		3 months
Maximum		35
Coverage Type		Individual
Policy Term (years)		1
Sum Insured (Rs)
Maximum		1000000
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		Person above 45 years of age will be required to undergo medical check up
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
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
Ayurvedic/Homeopathic/ Unani treatment		covered only if hospitalized in a government hospital or medical college hospital

 

	Exclusions and Waiting Period
General Exclusions		All congenital diseasesNaturopathy treatment, acupressure or any non allopathic treatment

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