United India Health Insurance

This is a standard health insurance policy that covers the hospitalisation expenses that you may have to incur in case of hospitalisation of 24 hours or more. This plan is available on a family floater and an individual basis. Arogya Sanjeevani Policy United India covers room rent, nursing, boarding as per the plan conditions.

This is a standard health insurance policy that covers the hospitalisation expenses that you may have to incur in case of hospitalisation of 24 hours or more.This plan is available on a family floater and an individual basis. Arogya Sanjeevani Policy United India covers room rent, nursing, boarding as per the plan conditions. Let us look at the main features of the plan:

1. Room rent, nursing and boarding are covered up to 2% of the sum insured to a maximum of INR 5,000 per day
2. ICU and ICCU charges are covered up to INR 10,000 per day
3. In-patient treatment expenses under AYUSH systems of medicine, which are Ayurveda,Yoga, Unani, Siddha and Homeopathy, are also covered
4. When you buy the policy on an individual or a family floater basis, you can cover your spouse, dependent children, parents, parents in law Beyond 65 years of age, plans can be continued as renewals Children between 3 months and 18 years, who are dependent, can be covered if one or both parents are covered Children over 18 years up to 25 years, who are independent cannot be covered under the policy, a separate policy can be taken for them
5. The plan covers cataract treatment up to a limit of 25% of the sum insured or INR 40,000
6. Pre and post-hospitalisation charges are covered for a period of 30 and 60 days respectively
7. Specific modern treatments are also covered under the plan
8. For every claim-free year, you receive a 5% increase in the sum insured
9. The plan comes with a 5% mandatory co-payment

Launched under the guidelines of IRDA, this is a standard health insurance plan that covers medical expenses on hospitalisation that is due to COVID-19. An adult can purchase this plan on a family floater or an individual basis and apart from self, extend the coverage to his/her spouse, dependent children, parents and parents-in-law. Here are the main features of this plan:

1. In-hospital cover includes room rent, nursing and boarding
   • ICU and ICCU charges
   • Blood, oxygen, PPE Kits, gloves, masks, medicines, surgical appliances
   • Per hospitalisation up to INR 2000 can be covered for road ambulance charges,only for COVID hospitalisation
2. The positive diagnosis report should be from a government authorized diagnostic centre
3. Doctor-prescribed home care treatment would be covered
4. After the age of 65 years, the insured can renew his policy
5. For the children who are between 3 months and 18 years and are dependent,they can be covered provided one or both parents are covered
   • Children between 18 and 25 and financially dependent on their parents would be covered
   • A child over 18 years, who is financially independently will not be covered under this policy, and a new policy would be required
6. AYUSH treatment for Covid-19 will also be covered
7. There is a waiting period of only 15 days
8. Pre and post-hospitalisation charges, related to Covid-19, are covered for a period of 15 and 30 days respectively
9. The plan covers home care treatment expenses, provided it is advised by a medical practitioner. The treatment would be eligible if it otherwise required hospitalisation. The treatment would cover:
   • Diagnostic tests
   • Prescribed medicines
   • Consultation charges
   • Cost of an oxygen cylinder, oximeter and nebulizer

This is a revamped version of the Family Medicare policy and can be taken to cover yourself as well as your family members. The salient features of the policy are as follows

1. Day care treatments are covered under the policy
2. If you take Ayurvedic treatments in a Government hospital,such treatments would be covered under the scope of the plan
3. The family members can be covered under a single sum insured on a floater basis
4. Up to 15% premium discount can be availed if you don’t make claims in your policy
5. Free health check-ups are allowed every three policy years