United India Insurance Company Plans Full Details 2024

United India Insurance Company Plans Full Details 2024 United India Insurance Company offers a range of health insurance plans catering to individuals, families, and senior citizens.

Health Insurance Plans

1. Individual and Family Plans:
   • Covers in-patient hospitalization expenses, pre- and post-hospitalization costs, road ambulance charges, and all daycare treatments.
   • Includes modern treatment options like robotic surgeries, oral chemotherapy, and stem cell therapy with specified limits.
   • AYUSH treatments (Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy) are covered.
2. Senior Citizen Plan:
   • Tailored for individuals aged 60 and above.
   • Coverage includes specific provisions for age-related treatments.
3. Critical Illness Coverage:
   • Offers a lump sum payout on the diagnosis of critical illnesses like cancer, heart attack, or stroke.
4. Optional Add-ons:
   • Daily hospital cash allowance.
   • Increased coverage for specific advanced treatments.
   • Coverage for domiciliary hospitalization in certain conditions.

Premium and Coverage Options

Discounts are offered for higher sum insured and family coverage options​

Network and Cashless Benefits

Policyholders can avail cashless treatment at over 14,000 network hospitals across India. Expenses like health check-ups are reimbursed for claim-free policy periods​ For detailed information on specific plans and benefits, visit the official United India Insurance Company website or contact their customer service.

Additional Features and Benefits

Preventive Care and Wellness Benefits

• Health Check-Ups: Insured individuals can claim up to 1% of the average sum insured over three years for preventive health check-ups in designated hospitals or diagnostic centers. This benefit is applicable for claim-free policy periods​UIIC.
• Vaccination Costs: Some policies provide reimbursement for vaccinations under specified conditions.

Optional Covers

• Critical Illness Riders: Lump sum payouts are provided for critical illnesses diagnosed during the policy term, like cancer, organ failure, or coronary artery surgeries ​UIIC​UIIC.
• Maternity Benefits: Select plans offer maternity cover with associated newborn care, typically after a waiting period.
• Room Rent Waivers: Enhances flexibility by allowing higher room category choices during hospitalization.

Sub-Limits for Advanced Treatments

Some treatments are covered with predefined sub-limits, such as:

• Robotic Surgeries: Coverage up to 75% of the sum insured for central nervous system-related diseases, and up to 50% for others.
• Oral Chemotherapy: Limited to 20% of the sum insured, capped at ₹2 lakh.
• Deep Brain Stimulation: Up to 70% of the sum insured per policy period​UIIC.

Eligibility and Waiting Periods

• Eligibility: Plans are open to individuals aged 18-65 years, with options to include dependents and senior citizens.
• Waiting Periods:
  • Initial waiting period: Typically 30 days for non-accidental hospitalizations.
  • Pre-existing diseases: Covered after a waiting period ranging from 2-4 years, depending on the plan.
  • Specific treatments (e.g., joint replacements, cataracts): Subject to defined waiting periods​UIIC​UIIC.

Claim Process

1. Cashless Claims: Available at network hospitals through preauthorization.
2. Reimbursement Claims: Submit documents, including medical reports and bills, within a specified period post-treatment.
3. Digital Claims: United India Insurance provides online claim submission for quicker processing.

Exclusions

• Cosmetic or aesthetic treatments.
• Injuries due to self-harm or substance abuse.
• Non-allopathic treatments outside AYUSH coverage​ UIIC​UIIC.

Why Choose United India Insurance?

• Wide Network: Over 14,000 hospitals providing cashless facilities.
• Comprehensive Plans: Customizable options for diverse needs.
• Transparent Processes: Clear sub-limits and benefits ensure no hidden surprises.

To explore specific policy details, visit the United India Insurance website or contact their support for personalized advice.

👇 HERE YOU CAN JOIN OUR SAI VIKRAM ACADEMY FAMILY👇

bajaj alianz life insurance,bajaj allianz life insurance,stock market investing,investing for beginners,how to outperform the stock market,investing in your 20s,stock market investing for beginners,warren buffett how to invest for beginners,warren buffett rules of investing,warren buffett investment strategy,how to invest in stocks,real estate 101,how to invest in real estate,best stock trading app,how to invest,stock options,investing basics,stock market,passive income,warren buffett,bajaj allianz,bajaj allianz general insurance,stocks,investing,freenvesting,bajaj allianz life,bajaj allianz term plan in hindi,bajaj life insurance,bajaj allianz term life insurance review,bajaj allianz term insurance review

Prakadeesh N