Health insurance has become a vital aspect of our lives, especially in the current times, where the cost of healthcare is skyrocketing. With the increasing number of health-related issues, it has become essential to have a comprehensive health insurance policy to ensure financial protection during medical emergencies.
United India Health Insurance is a well-known health insurance provider that has been in the market for over four decades. The company offers a wide range of health insurance policies that cater to the varying needs of individuals, families, and corporates.Early Finder
In this article, we will discuss the various features, benefits, and exclusions of United India Health Insurance policies.
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Features of United India Health Insurance
- Multiple Plans: United India Health Insurance offers a range of plans that cater to different medical needs, including individual, family floater, senior citizen, and critical illness plans.
- Cashless Hospitalization: The company has tie-ups with over 7,000+ hospitals across India, where policyholders can avail of cashless hospitalization facilities.
- No Medical Check-up: The company offers policies that do not require any medical check-up for individuals below 45 years of age.How is United India Health insurance
- Tax Benefits: United India Health Insurance policies offer tax benefits under section 80D of the Income Tax Act.
- Renewal Benefits: Policyholders can avail of a discount on the premium amount for every claim-free year.
Benefits of United India Health Insurance
- In-patient Hospitalization: United India Health Insurance covers the expenses incurred during in-patient hospitalization, including room rent, ICU charges, nursing expenses, doctor’s fees, etc.
- Day-care Procedures: The company also covers the expenses incurred during day-care procedures, which do not require hospitalization for more than 24 hours.
- Pre and Post-hospitalization: United India Health Insurance policies cover the expenses incurred during pre and post-hospitalization for a period of up to 60 days.
- Ambulance Charges: The company also covers ambulance charges up to a certain limit, depending on the policy.
- No Claim Bonus: Policyholders can avail of a no-claim bonus, which is an additional sum insured for every claim-free year.
Exclusions of United India Health Insurance
- Pre-existing Diseases: United India Health Insurance policies do not cover pre-existing diseases for a certain period of time, which varies depending on the policy.
- Waiting Period: Certain procedures, such as cataract surgery, joint replacement surgery, etc., have a waiting period of up to two years.
- Cosmetic Surgery: The company does not cover cosmetic surgeries unless it is a result of an accident or a medical condition.
- Alternative Treatments: United India Health Insurance policies do not cover expenses incurred during alternative treatments such as ayurvedic, unani, homeopathic, etc.
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United India Health Insurance is a reliable and reputable health insurance provider in India. The company offers a wide range of policies that cater to the varying needs of individuals and families. With the cashless hospitalization facility, tax benefits, and renewal benefits, United India Health Insurance policies are a good investment for anyone looking to secure their health and finances during medical emergencies.
However, it is important to read the policy document carefully and understand the terms and conditions, including the exclusions, before purchasing a policy. It is also advisable to compare policies from different providers and choose the one that best suits your needs and budget.