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United India Senior Citizens Health Insurance

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United India Health Insurance Policy for Senior Citizens


United India Health Insurance Policy for Senior Citizens has been specially designed for Senior Citizens between the age group of 61 years to 80 years. It covers medical expenses incurred during hospitalisation caused due to any injury, sickness or accident.  



Key Features of United India Health Insurance Policy for Senior Citizens


  • Exclusive policy for Senior Citizens aged 61 yrs and above
  • Domiciliary Hospitalisation benefit is provided
  • Co-payment of premium is required wherein a part of the expenses have to be borne by the policyholder



What is covered in United India Health Insurance Plan for Senior Citizens


  • Hospitalisation expenses and room rent, boarding as well as ICU costs
  • Fees of surgeon, doctor, anesthetist, specialist, consultant etc
  • Cost of blood, anesthesia, oxygen, medicines and drugs etc
  • Cost of diagnostics like X-ray
  • Day care procedures like chemotherapy, dialysis, radiotherapy
  • Cost of artificial limbs, prosthetics, pacemaker, infra cardiac valve replacements, orthopedic implants etc
  • RMO charges, IV fluids, blood transfusion, injection administration costs and similar expenses
  • Pre-hospitalisation expenses for a period of up to 30 days prior to hospitalisation
  • Post-hospitalisation expenses for a period of up to 60 days after hospitalisation
  • Major surgeries like cancer, brain tumor, cardiac surgeries, pace maker implantation for sick sinus syndrome


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Eligibility and Restrictions of United India Health Insurance Plan for Senior Citizens






Coverage Amount (in Rs.)



Policy Term (in years)



Entry Age (in years)





Tax Benefits in United India Health Insurance Policy for Senior Citizens


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 Health Insurance Policy for Senior Citizens?


  • Treatments within first 30 days, exceptions – accidental case
  • Pre-existing conditions for first 4 years
  • 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 exclusion on treatment of conditions like cataract, hypertrophy, hysterectomy, hernia,  calculus, joint replacement, osteoporosis, osteoarthritis etc
  • Congenital (diseases existing at birth) for first 2 yrs
  • General weakness, rest cure, convalescence etc
  • Service charges, surcharge, admission fees or registration charges at the hospital




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