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Top Features From United India Health Plans

Features of United India health insurance schemes The health insurance plans offered by United India have the following features

  • The plans allow coverage either for a single individual or for his family as well. Family can be covered under family floater plans which allow coverage for self, spouse, dependent children and, in many cases, dependent parents too
  • You also get the benefit of free health check-ups once after a specific period
  • If you do not make claims in a policy year, the company rewards you in the form of no claim bonus.This bonus can be an increase in the coverage level or a discount on the renewal premium
  • There might be optional coverage benefits too under United India health insurance. These benefits can be availed if you choose them and pay an additional premium
  • All United health insurance plans are renewable lifelong
  • Premium discounts are also available under United India’s health plans which help in bringing down the premiums

Coverage benefits under United India health insurance schemes

  • Hospitalisation costs:This benefit covers the costs incurred on room rent, ICU room rent, doctor’s fees, nurse’s fees, treatment costs, medicines, blood, etc. when you are hospitalised in a hospital for 24 hours or more
  • Pre-hospitalisation :The pre-hospitalisation benefit covers the costs which are incurred before hospitalisation. These costs can be a doctor’s consultation costs, medicines, diagnostic tests, etc. The costs are covered for a specified duration which ranges from 30 days to 90 days
  • Post-hospitalisation :Under this coverage, the costs which are incurred after being discharged from the hospital are covered.These costs are incurred on reviewing and monitoring your health after treatments and include diagnostic tests, doctor’s consultations, medicines, etc. Post hospitalisation costs are also covered for a specific duration which ranges from 60 days to 120 days
  • Ambulance charges:Ambulance charges are incurred when you are being taken to a hospital for treatments. These charges are also covered under United India health insurance plans up to a specific limit
  • Domiciliary treatments:If you have to take treatments at your own home because a hospital bed was not available or because you were in no condition to be shifted to a hospital, such treatments would be covered under most health insurance plans.These treatments are called domiciliary treatments and they are covered up to a specified limit
  • AYUSH treatments:If you avail of treatments through non-allopathic means like Ayurveda, Homeopathy, etc. you can get coverage under many health insurance plans. This coverage can be granted up to the sum insured or up to a specified limit
  • Organ donor expenses:If you are undergoing an organ transplant and you need an organ, the costs incurred in harvesting the organ from a donor would be covered under your health insurance plan
  • Maternity cover:Coverage for maternity is available in select health insurance plans. Under this cover, the cost of childbirth and other pre and post-natal expenses of the insured female are covered up to specified limits
  • Newborn baby cover:A newborn baby cover is usually found in health insurance plans which allow maternity cover. Under this cover, the newborn baby is also covered under the policy from birth

Exclusions Across United India Health Plans

Though United India’s health insurance schemes provide a good scope of coverage,there are certain medical costs and treatments which are not covered under the plans.These are categorised as policy exclusions. Some of the commonly found exclusions include the following

  1. Pre-existing diseases are covered only after the expiry of a specified waiting period. This waiting period can range from 2 years to 4 years
  2. Diseases that you suffer within 30 days of buying the policy are not covered
  3. Cosmetic treatments, dental treatments, circumcision, etc. are not covered
  4. Suicides attempted suicides, self-inflicted injuries would not be covered
  5. Mental and psychiatric disorders are not covered
  6. Any type of non-proven and experimental treatments would be excluded from coverage
  7. Venereal diseases, sexual diseases, HIV and AIDS-related infections are excluded from coverage
  8. Maternity treatments and related costs are not covered under all plans. They would be covered only if the plan’s benefits structure specifically states as such

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United India is tied up with more than 7000 hospitals in India for cashless claim settlements. To check the list of networked hospitals, visit https://uiic.co.in/en/tpa-ppn-network-hospitals wherein you would be able to check the city-wise hospital network. Download the hospital list of your city and check which hospitals would allow you cashless coverage

Usually, online purchase of United India health insurance policies do not require you to submit any documents. However, you might be asked to provide your identity proof, age proof, photographs and address proof to buy the policy

If you do not renew your health insurance policy on time, the policy would lapse. When it lapses, the coverage would stop. Moreover, if you do not pay the premium even within the grace period, you would lose any renewal benefit which was available under the policy

Yes, online premium payment is allowed for buying or renewing United India health insurance plans. To pay online you can use your debit card, credit card, mobile wallet, net banking facility, UPI ID or any other digital payment mode and pay the premium.
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