United India Top Up Medicare Policy

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	Objective			This is a top-up plan that pays when medical expenses exceed the deductible amount. Deductible is the limit up to which the insured has to pay before the insurance company takes over.
Suited for			This policy is suitable for those already covered under a basic health insurance policy looking to increase the sum insured. A top-up plan can lower the impact of rising medical costs. Those who don't want to mark claims for small medical bills can also go for this policy.
What does it do?			This health insurance plan covers inpatient treatment if one is hospitalised for more than 24 hours. It covers medical expenses, room rent, boarding, surgeon fee, anesthetist fee and specialist fee up to the sum insured. It also indemnifies hospitalisation expenses incurred for donor in case of an organ transplant. Treatments that do not require 24-hour hospitalisation are covered under day care procedures. Ambulance charges are payable up to Rs 2,500 per hospitalisation.
Pros			Premiums paid under this plan qualify for deduction under Section 80D of Income Tax Act. No pre policy medical check up is required up to 45 years of age.
Our View			This policy is suitable if there are chances of taking an expensive medical treatment. Otherwise, it is advised to go for the Super Top-up policy, another plan offered by United India where the deductible limit is calculated by summing up annual medical expenses. Though Super Top-up policies are slightly expensive, they offer better risk coverage.
Eligibility
Entry Age (years)
Minimum		18; 3 months for children
Maximum		80; 18 (except for unmarried, unemployed girls disabled children without income dependent upon Proposer) or 26 for male child if they pursue full-time higher studies and submit Bonafide Certificate from Educational Institution
Coverage Type		Individual/ Family floater
Policy Term (years)		1
Sum Insured (Rs)
Maximum		15 lakh
Minimum		3 lakh
Tax Benefit		Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Pre Policy Medical Check Up		Compulsory for entry age 45 years or above
Grace Period for Policy Renewal		15 days
Policy Termination		Insurance company may terminate the policy by giving a written notice of 7 days. Policyholder is allowed to terminate the policy at anytime by giving a written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Customer Service
Address		United India Insurance Co. Ltd. 24, Whites Road, Chennai - 600014
Mail to		customercare@uiic.co.in
Call to		1800 425 333 33(toll free), 91-044-28520161

 

	Scope of Cover
Cashless facility		Available at empanelled hospitals in India.
Re-imbursement		Available
Pre-post hospitalisation		Relevant medical expenses covered from 30 days prior and 60 days post hospitalisation
In-patient Treatment		Covered upto sum insured
Expenses for organ donor of transplant		Covered
Emergency Ambulance		Up to Rs 2,500 per hospitalisation
Expenses for organ donor or transplant		Covered
Day-Care Procedures		Covers Dialysis, Chemotherapy, Radiotherapy; Eye Surgery, Dental Surgery, Lithotripsy (KidneyStone removal), D & C, Tonsillectomy

 

	Exclusions and Waiting Period
Pre existing Diseases		Pre existing diseases will be covered after a period of 4 years of continuous coverage
General Exclusions		AIDS and or other related diseasesWar, participation in any criminal activity or any other related conditionPlastic surgery or any other beauty related treatmentDental treatment or surgeryNaturopathy, accupressure and other such therapies

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