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United India Individual Health Insurance Gold Policy

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United India Individual Health Insurance Gold Policy

 

United India Health Insurance Gold Policy takes care of unforeseen medical expenses for an individual with the option of adding spouse, dependent children and dependent parents in the same policy. 

 

 

Key Features of United India Individual Health Insurance Gold 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 Gold 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 chemotherapy, dialysis, radiotherapy
  • Cost of artificial limbs, prosthetics, pacemaker, infra cardiac valve replacements, orthopedic implants etc
  • Cost of RMO, blood transfusion, IV fluids, injection administration etc
  • Cost of diagnostics tests like X-ray and other medical expenses

 

 

Eligibility and Restrictions of United India Individual Health Insurance Gold Plan

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

1,00,000

5,00,000

Policy Term (in years)

1

1

Entry Age (in years)

36

60

 

 

Family floater policy will cover

 

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

 

 

Tax Benefits in United India Individual Health Insurance Gold 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 Gold Policy?

 

  • All pre-existing conditions for first 4 years
  • First 4 yrs exclusion on age-related osteoarthritis, osteoporosis, treatment of joint replacement due to degenerative condition.
  • Treatments within first 30 days, exceptions – accidental case
  • Cost of spectacles, hearing aids, contact lenses, walker, crutches, collars, braces, diabetic foot wear etc that are used at home
  • Dental treatment or surgery unless due to accident and requiring hospitalisation
  • HIV, AIDS and related diseases
  • Cost of vitamins and tonics unless part of treatment
  • Naturopathy treatment, acupressure, acupuncture and other such therapies
  • First 2 yrs of policy will not cover conditions like gall bladder stone removal, hysterectomy, hernia, cataract, hypertrophy, calculus, joint replacement, osteoporosis, osteoarthritis etc
  • First 2 yrs of policy will not cover diseases or conditions existing at birth (Congenital)
  • General weakness, rest cure, convalescence etc
  • Vaccination, inoculation, circumcision
  • Plastic surgery unless required due to an accident or part of an illness
  • Pregnancy, abortion, miscarriage, childbirth related and any complications arising from these
  • Age-related macular degeneration, Enhanced External Counter Pulsation (EECP), Rotational Field Quantum Magnetic Resonance (RFQMR) etc
  • Service charge, admission fees, surcharge, luxury tax and such expenses

 

 

 

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