United India Individual Health Insurance

The add-on of hospital daily cash allows the policyholder an amount of Rs. 250, subject to a maximum of Rs. 2500 per policy period on an additional premium payment of Rs. 150. Similarly, on an additional premium of Rs. 300, the policyholder will get Rs. 500 allowance per day, subject to a maximum of Rs. 5000 per policy period. Note that United India Insurance, through the TPA will pay the daily cash allowance from the third day onwards for the period of hospitalisation.

A health insurance policy for one and all, Individual Health Insurance Policy covers ayurvedic treatment as an in-patient and offers ambulance charges and hospital daily cash under its add-on feature. It also provides coverage for the expenses incurred on blood, oxygen, medicines, drugs, etc. Besides these coverage benefits, the insurance company makes sure hassle-free claim settlement support is offered to consumers by the TPA service provider. Some of the major attractions of the policy are:

• Sum insured ranges from Rs. 2 Lakh to Rs. 20 Lakh
• Reimbursement of health check-up after a block of three claim-free years up to specified limit
• Cover for cataract in Gold and Senior Citizen plan actual expenses or up to 25% of the Sum Insured, a maximum of Rs. 40,000
• Road ambulance cover on payment of an additional premium of Rs. 100
• Daily Cash Allowance of Rs. 250/Rs. 500 per day on paying an additional premium of Rs. 150/Rs. 300
• Room rent and nursing expenses not more than 1% of the sum insured per day
• Charges for ICU/ICCU not more than 2% of the sum insured per day

Apart from major attractions, Individual Health Insurance Policy has many more things for policyholders such as cover for surgeon fees, specialist, doctor, consultant, medical practitioner, anaesthetist, etc. Under the policy, the insurance company offers flexibility in choosing the sum insured amount and provides a provision to buy the policy online. Some factors that make the Individual Health Insurance Policy worth buying are:

• Lifetime renewability of the policy without any restriction
• A grace period of 30 days in case of break-in policy
• A free look period of 15 days to completely understand the policy terms & conditions, and cancel it if not satisfied
• Tax benefits under section 80D of the Income Tax Act
• Portability option to port the policy

The United India Insurance Company has made the Individual Health Insurance Policy keeping in mind the financial needs of people during hospitalisation. So, it enables the insured person to avail cashless treatment in thousands of network hospitals across the country. Not only this, but the insurance company does also reimburse the treatment costs and hospital bills if the treatment is taken in a non-network hospital or a recognized Ayurvedic hospital. Coming to a conclusion, Individual Health Insurance Policy is a better fit for people looking out for a health product to stay away from the financial crunch in the event of an unforeseen accident or illness.

Since the policy can be bought online, it is good to choose InsuranceDekho and purchase the policy online. The online option of InsuranceDekho allows you to compare health insurance policies, avail free quotes, and get complete information about the policy. Additionally, InsuranceDekho is committed to bringing complete transparency in its services. 

For Individual Health Insurance policy, the sum insured options range between Rs. 2 Lakh to Rs. 20 Lakh.

While the minimum entry age to buy Individual Health Insurance policy is 18 years, the maximum entry age is 65 years.

Individual Health Insurance policy does not come with an exit age. The policy is lifelong renewable.

No! Individual Health Insurance does not cover maternity expenses.