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.
Compare this plan with other Health Plans
Key Features
medical check-up
Cost of medical check-up once every 3 yrs if no claims are made
Health check-up
Health check-up required before policy issuance
Family discount
Family discount of 5% of the premium available
Benefits
Tax Benefits
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.
Family floater
- An individual
- Spouse
- Dependent children (legitimate or legally adopted)
- Dependent parents
What is covered
- 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
| Minimum | Maximum | |
| Coverage Amount (in Rs.) | 1,00,000 | 10,00,000 |
| Policy Term (in years) | 1 | 1 |
| Entry Age | 3 months | 35 yrs |
Exclusions
- 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)
