All About United India Individual Health Insurance Policy

United India insurance’s Individual health insurance plan is one of the best plans of the category and can be bought without even thinking twice. It is an excellent health insurance plan for anybody who seeks financial security even during the time of a medical emergency. The plan is designed in a way such that it meets the medical needs of the policyholder by offering adequate coverage. It has three variants namely, Gold, Platinum, and Senior Citizen.

Key Features of United India Individual Health Insurance Policy

The key features of United India Individual health insurance plan include:

1. It provides comprehensive health insurance offering coverage of up to Rs 20 lakhs. The policyholder can purchase this health insurance plan for their spouse, dependent children, and parents.

2. The health insurance policy comes with a financial safety net against the expenses incurred during a medical emergency. These expenses include hospitalisation costs like room rent expenses, ICU expenses, nursing costs, pre-hospitalisation, post-hospitalisation expenses, etc.

3. The policy comes with a variety of sum insured options and the policy is available for a duration of 1 year. Above all, the health insurance plan by United India helps the policyholder in meeting their medical emergency needs without having to face any challenges on a physical, mental, and financial level.

4. The health insurance plan can be opted for on the basis of family floater sum insured as per the individual requirements. The coverage is also provided to dependent children from 91 days of age, on a condition that either or both the parents are covered.

5. The health insurance also provides coverage for organ transplantation.

6. Daily cash allowance is offered to the policyholder for completion of 24 hours of hospitalization.

7. All the medical expenses that are incurred 30 days prior to the hospitalization and 60 days post the hospitalization, is allowed to get the required coverage amount.

Insurance Coverage of United India Individual Health Insurance Plan

The coverage offered under the Individual health insurance policy by United India are highlighted below:

• Pre-hospitalisation Expenses: These are the medical expenses that occur before getting admitted to the hospital. These expenses include tests, vaccinations, medicinal costs, and consultation fees.
• Post-hospitalisation Expenses: These expenses at times are also known as ‘recuperation expenses’. These are the expenses that are incurred by the policyholder to regain his pre-illness condition.
• In-patient Hospitalisation Expenses: These are the expenses incurred by a patient while being hospitalized for 24 hours or more. These expenses include room rent charges, doctors’ fees, ICU charges, medicine costs, operation theatre charges, etc.
• Domiciliary Hospitalisation: These expenses include expenses incurred during home-based treatment that is done to treat an illness, disease, or injury.
• Ayurvedic Treatment: Expenses for alternate treatment methods such as homeopathy, ayurvedic and Unani treatment are met under this health insurance policy by United India Insurance. The policyholder can reimburse expenses on Ayurvedic treatment if it is taken in any of the network hospitals.
• Day Care Procedures: It is the expenses incurred by the patient the treatment for which requires staying at a hospital but for less than 24 hours. The individual health insurance policy by United India offers coverage for more than 140 plus daycare procedures.

What is Not Covered Under United India Individual Health Insurance Plan?

The key exclusions from the Individual health insurance plan by United India include the following:

• Treatment costs arising from the surgery or implantation of the stem cell.
• Treatment expenses arising out of defects/anomalies or congenital external diseases.
• Expenses arising out of spectacles cost, contact lenses, cochlear implants, and hearing aids machine.
• Surgery costs or expenses related to dental treatment of any form till the time it happens due to an accident and requires hospitalisation.
• Other expenses arising out from unproven therapies/treatment such as naturopathy, magnetic therapy, acupuncture, acupressure, and similar therapies.

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.