• United India Insurance Super Top Up Health Insurance Policy

    Health Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    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.

    Eligibility for United India Health Super Topup Policy

    There are a few specific eligibility criteria outlined by United India for people who wish to subscribe to this policy cover.

    • The proposer must be between 18 years and 80 years of age.
    • Family cover can be taken for self, spouse, and dependent children.
    • Dependent children between the ages of 3 months and 18 years can avail this cover provided that their parents are covered concurrently.
    • For unmarried, dependent girl children, the 18 years age limit will not apply.

    Features of United India Health Super Topup Policy

    Some of the key features of United India Super Topup Policy can be listed as follows.

    • This policy is mainly designed to provide additional protection against medical expenses at an affordable price.
    • This policy will provide coverage for all hospitalisations that happen after the limit of the original health cover is exceeded.
    • The premium charges for this cover will be based on the age of the oldest member of the family.
    • Coverage is available for both hospitalisation expenses as well as day care treatments undertaken in a hospital. However, coverage is not provided for minor outpatient consultations and diagnosis.
    • Pre-hospitalisation medical expenses are covered for up to 30 days prior to the date of admission in a hospital.
    • Post-hospitalisation medical expenses are covered for up to 60 days after discharge from the hospital.
    • Pre-existing diseases have a waiting period of four years under this policy cover.
    • Pre-acceptance medical examination is required for people exceeding 45 years of age. The proposer must pay for the cost of medical examination.
    • The sum insured amount available under this policy cover can be enhanced at the time of renewal.
    • A grace period of 30 days is available for renewal of the policy after the date of expiry. Any hospitalisation expenses incurred during this grace period will not be covered under this policy.
    • This policy can be ported to another insurer in the market. However, the company must be notified at least 45 days before the date of renewal.
    • There is a free look period of 15 days during which the customer can cancel the policy without incurring any additional charges. In order to cancel the policy, the insured must not have made any claim during this free look period.

    Benefits of United India Health Super Topup Policy

    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

    Exclusions of United India Health Super Topup Policy

    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.

    • Injuries that can be attributed to war or warlike activities
    • Vaccination and inoculation of any kind
    • Cosmetic and aesthetic treatments of all kinds
    • Cost of spectacles, contact lens, and hearing aids
    • Dental treatment or surgery unless arising out of an accident
    • Convalescence, general debility, and rundown condition
    • Intentional self injuries, suicide, or attempted suicide
    • Injuries caused while under the influence of alcohol or drugs
    • Any treatments related to venereal diseases, sexually transmitted diseases, HIV, or AIDS
    • Any expenses related to childbirth or pregnancy
    • Naturopathy treatment such as acupuncture, acupressure, magnetic therapies, etc.
    • Expenses related to vitamins or tonics unless part of a specific treatment
    • Any kinds of non-medical expenses incurred during a hospital stay

    Claim Procedure

    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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