United India Individual Health Insurance Platinum Policy

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United India Individual Health Insurance Platinum Policy

 

United India Health Insurance Platinum Policy is a comprehensive health insurance policy which offers coverage up to Rs. 10 lacs. The entry age is restricted to individuals between 3 months to 35 years. It covers various medical and hospitalisation expenses.


 

Key Features of United India Individual Health Insurance Platinum Policy

 

  • Cost of medical check-up once every 3 yrs if no claims are made
  • Health check-up required before policy issuance
  • Family discount of 5% of the premium available

 

 

What is covered in United India Individual Health Insurance Platinum Plan

 

  • Hospitalisation expenses and room rent, boarding as well as ICU costs
  • Pre-hospitalisation  incurred 30 days before admitting in the hospital
  • Post-hospitalisation  incurred for up to 60 days
  • Room rent, nursing and boarding charges
  • Fees of surgeon, doctor, specialist, consultant, anesthetist, medical practitioner
  • Cost of blood, anesthesia, oxygen, medicines and drugs etc
  • Day care procedures like radiotherapy, chemotherapy and dialysis
  • Cost of artificial limbs
  • Cost of prosthetic devices implanted internally like pacemaker, orthopedic implants, infra cardiac valve replacements, vascular stents etc
  • RMO charges, blood transfusion, IV fluids, transfusion / injection administration costs
  • Cost of diagnostics tests like X-ray and other related medical expenses

 

 

Eligibility and Restrictions of United India Individual Health Insurance Platinum Plan

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

1,00,000

10,00,000

Policy Term (in years)

1

1

Entry Age

3 months

35 yrs

 

 

Family floater policy will cover

 

  • An individual
  • Spouse
  • Dependent children (legitimate or legally adopted)
  • Dependent parents

 

 

Tax Benefits in United India Individual Health Insurance Platinum Policy

 

Health Insurance premiums paid up to Rs 20,000 for senior citizens are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.

 

 

Exclusions - What is not covered in United India Individual Health Insurance Platinum Policy?

 

  • All pre-existing conditions for first 4 years
  • Treatments within first 30 days, exceptions – accidental case
  • Cost of spectacles, hearing aids
  • Dental treatment or surgery unless due to accident and requiring hospitalisation
  • HIV, AIDS and related diseases
  • Service charge, admission fees, surcharge, luxury tax and such expenses
  • Convalescence, general weakness, rest cure, belts, collars, splints, slings, braces etc
  • Plastic surgery unless required due to an accident or part of an illness
  • Pregnancy, abortion, miscarriage, childbirth related and any complications arising from these
  • Cost of vitamins and tonics unless part of treatment
  • Treatments such as naturopathy , acupressure, acupuncture and unproven therapies
  • Diseases or conditions existing at birth (Congenital)
  • Vaccination, inoculation, circumcision
  • Age Related Macular Degeneration (ARMD), treatments such as Rotational Field Quantum Magnetic Resonance (RFQMR), Enhanced External Counter Pulsation (EECP)

 

 

Alternate health insurance plans from other insurance companies

 

Bharti AXA Smart Health Insurance

HDFC Ergo Health Suraksha

New India Assurance Mediclaim Policy

 

 

Other Health plans from United India

 

United India Gold Health Policy

United India Health Insurance Policy for Senior Citizens

United India Family Medicare Health Policy

United India Super Topup Health Plan

United India Topup Health Plan

~ By Deepak Yohannan
Note: This is a statement of facts based on the information collected from the United India Individual Health Insurance Platinum Policy brochure and insurance company's website. It should not be construed as a Critical or Favourable United India Individual Health Insurance Platinum Policy Review, Analysis or Recommendation.
Insurance is a subject matter of the solicitation.


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