United India Gold Health Plan

(31 Reviews)
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      United India Gold Health Plan

      “Life is better when you are laughing”. Gold plan covers your medical expenses against unfortunate diseases so that you can smile with your loved ones in difficult times. This policy basically covers hospitalization expenses for untimely illness.

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      Key Features

      • Covers expenses for day care (that requires hospitalization for less than 24 hours) procedures.
      • Room and boarding expenses are covered up to 1% of sum insured.
      • Pre and post hospitalization expenses are covered and it is covered up to 10% of sum insured.
      • Diseases like cataract, hernia are covered up to 25% of sum insured.
      • Fees of surgeon and medical practitioner is covered.

      Benefits

      • Cashless services are available across 7000 hospitals.
      • Family discount of 5% on premium is available if family members are also covered.
      • Tax benefit under section 80D can be availed by the insured.

      Details about Premium

      Sum insured is available from Rs 1 lac to 5 Lacs in multiple of 50,000.Premium will depend on the age, sum insured and coverage.

      Minimum sum insured: Rs 1, 00,000

      Maximum sum insured: Rs 5, 00, 000

      Free look period: If the policy holder doesn’t want to continue with the policy, he can cancel it by giving the reason of cancellation of policy. Policy can be withdrawn within 30 days from the date of commencement of the coverage.

      Grace period:If the policyholder doesn’t renew the policy on time, grace period of 30 days is given to him to make the payment.

      Documents Required

      To purchase the policy, a proposer needs to fill up an ‘Application form/ proposal form’. Also the form should be having complete detail about your medical condition. In certain cases, medical examination may be required and it will be decided on the basis of sum insured and age of the person.

      Eligibility criteria

      Person in the age group of 36-60 years can buy this policy. This policy can be availed by children in the age group of 3 months to 18 years provided parents are also covered under the same policy.

      Inclusions

      Treatment

      Coverage

      Cataract, Hernia, Hysterectomy

      Actual expenses or 25% of SI whichever is less.

      Major illness/surgeries 

      Actual expenses or 70% of SI whichever is less.

      Day Care Treatment

      Certain specified Day Care procedures which require less than 24 hours hospitalization.

      AYUSH TREATMENT

      Treatment taken in a Government Hospital or in any Institute recognized by the Government and/or accredited by Quality Council of India/National Accreditation Board on Health.

      Exclusions

      • Dental treatments are excluded.
      • Sexually transmitted diseases are excluded.
      • Pregnancy or maternity expenses are excluded.
      • Waiting period of 48 months for pre-existing diseases.
      • Waiting period of 2 to 4 years for certain diseases.
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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