United India Insurance is one of the state-owned insurance companies operating in India. The company offers a range of general insurance services including health insurance, travel insurance, motor insurance, etc. In the health insurance domain, the company offers different types of policies at affordable premium charges. Health Super Topup is a policy that provides the extra cover when medical expenses go beyond the specified policy limit. This topup policy is available as either individual cover or family floater cover.
There are a few specific eligibility criteria outlined by United India for people who wish to subscribe to this policy cover.
Some of the key features of United India Super Topup Policy can be listed as follows.
United India Health Super Topup Policy comes with a range of benefits customized for policyholders who require some additional benefit from their insurance covers. Some of the major benefits offered under this policy includes the following.
|Hospitalisation coverage||Up to the sum insured limit (available after the threshold level exceeds)|
|Expenses covered||Room, boarding expenses Surgeon, anaesthetist, medical practitioner, consultant fees, etc. Medical expenses such as x-ray, diagnostic materials, laboratory tests, dialysis, chemotherapy, radiotherapy, etc. Cost of surgical appliances, artificial limbs, pacemaker, etc.|
|Alternative treatments||Available for various treatment methods like Ayurveda, Unani, Siddha, and Homeopathy|
|Day care treatment||Available for treatment taken with general or local anaesthesia in less than 24 hours|
This policy cover outlines a few exclusions for which the insurer is not liable to provide any compensation. Some of these exclusions can be listed as follows.
The claim procedure for United India Health Super Topup Policy is pretty straightforward. Following the occurrence of an event that may give rise to a claim, the company must be notified immediately without any delay. Third party administrators (TPA) are involved in the claim process. During emergency hospitalisation, the TPA must be notified immediately within 24 hours of hospitalisation.
For cashless treatment, pre-authorisation must be obtained from the TPA and sent to the hospital. For reimbursement claims, the claim form along with all the necessary documents must be submitted to the TPA within 15 days after discharge from the hospital. Once the claim form is submitted, the company will check the validity of the claim. After the approval of the claim, the claim amount will be disbursed to the insured.
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