United India UNI Criticare Health Insurance
Claim Settlement | Dedicated Team |
Claim Settlement Ratio | 78.03% |
COVID-19 Cover | Yes |
Network Hospitals | 7,000+ |
Policies Sold | 11,82,067 |
Renewability | Lifelong |
About United India UNI Criticare Health Insurance
UNI-Criticare policy by United India Insurance is a plan dedicated to cover critical illnesses. Designed to financially secure the insured when diagnosed with a critical illness, UNI-Criticare policy pays out a lump sum amount in the event of diagnosis with any of the covered critical illnesses, only once. The best possible assistance in the toughest of times, UNI-Criticare policy provides coverage for 11 major critical illnesses with a waiting period of 90 days from the date of inception of medical insurance policy and a survival period of 30 days from date of diagnosis. A must for critically diagnosed individuals, the policy provides coverage for critical illnesses such as Cancer of Specified Severity, First Heart Attack, Coronary Artery Surgery, Kidney Failure, Coma of Specified Severity, Heart Valve Replacement, etc.
Easily available on an individual sum insured basis, UNI-Criticare policy covers self, spouse, dependent children and parents, with separate sum insured for each. With 1-year policy tenure, the offered policy comes with a diverse sum insured range to meet the vast medical needs of its policyholders. That’s not all! The policy offers tax benefits under Section 80D of the Income Tax Act as well. All in all, UNI-Criticare policy is the perfect plan that one can depend on to deal with their medical expenses, related to diagnosed critical illness without worrying about finances or treatment, even for a minute. By all means, UNI-Criticare is a great health investment for critical illnesses.
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Key Inclusions and Exclusions of the Plan
What's Included
- 11 critical illnesses
- Wide sum insured range
- Lifetime renewability option
- A lumpsum compensation on diagnosis of critical illness
- Tax benefits under Section 80D of Income Tax Act
What's Not Included
- Pre-existing illnesses
- Addiction to alcohol or drugs
- Conditions arising out of war, invasion
- Attempted suicide or self-inflicted injury
- Ionizing radiation or contamination by radiation issues
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United India UNI Criticare Policy Expert Review
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Major Attractions
Available for a duration of one year, the UNI Criticare Policy is easily available on the individual sum insured basis. It provides cover for the policyholder, spouse, and dependent children. Meeting the needs of vast medical requirements, the policy has a wide range of sum insured options, such as Rs. 1 Lakh, Rs. 3 Lakh, Rs. 5 Lakh and Rs. 10 Lakh. What makes it more attractive is that there is no exit age in it. Once you get covered, you can renew it lifelong. Some features under the policy are:
- The policy is available for a term of 1 year
- Any person aged between 21 years to 65 years can be covered under the policy
- The plan covers dependent children from 21 years to 26 years
- Cashless hospitalisation in any of the network hospitals
- Lump sum amount is paid in a single transaction
- Quick and hassle-free claim procedures
- No restriction on how the lump sum amount is utilised, it can be used in either paying off medical expenses or for paying off debts, etc.
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What’s More?
United India has designed the UNI Criticare Policy in a way that it assists people during their tough times, especially when the policyholder or his/her family has no other financial aid available. It works as a financial boon in such times. With this benefit, it is a must have policy today, as the chances of getting critical illnesses are growing nowadays. Here are some other benefits which you can avail by getting the UNI Criticare Policy:
- The free-look period for the policy is 15 days
- You can enjoy tax saving benefits under the policy
- A grace period of 30 days
- Dedicated TPA service provider
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Conclusion
No doubt critical illnesses lead to a serious threat to one’s life. If a person is diagnosed with a critical illness, not only does he/she suffer, but the entire family fall prey to the financial destabilization. In contrast, if the family is well-protected with critical health insurance like UNI Criticare Policy, an adequate amount of money is available during such tough times. In a nutshell, it can be said that the critical insurance policy by United India is of great financial support to a family diagnosed with critical illness or with a history of life-threatening disease. It ensures instant financial relief from treatment expenses due to a critical illness.
If you want to buy the UNI Criticare policy, do it online. InsuranceDekho provides customers with proper assistance in choosing a suitable health insurance plan. It also allows you to get in-depth information about the plan, compare different policies, avail free quotes, etc.
Claim Process at United India Health Insurance
FAQs on UNI Criticare Policy Health Insurance Plan
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What is the sum insured range for UNI-Criticare policy?
The sum insured options for UNI-Criticare policy range between Rs. 1 Lakh to Rs. 10 Lakh.
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What is the eligibility criteria for UNI-Criticare policy?
For UNI-Criticare policy, while the minimum entry age is 21 years, the maximum age of entry is 65 years.
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Does UNI-Criticare policy come with an exit age?
No! There is no exit age under the policy. UNI-Criticare is lifelong renewable.
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What is the free-look period for UNI-Criticare policy?
The free-look period for UNI-Criticare policy is 15 days.