United India Hospital Cash Insurance Policy: Benefits, Premium & Coverage

United India Hospital Cash InsurancePolicy

United India Hospital Cash Insurance is a health insurance cover that provides a daily allowance to the insured to cover incidental hospitalization expenses, such as travelling, food, etc. It lowers the financial burden on the policyholder by covering out of pocket expenses generally excluded under regular health insurance plans.

United India Hospital Cash Policy Overview

United India Hospital Cash policy provides a daily cash allowance to the insured for every 24 hours of hospitalization. It is available as an optional cover under the United India Individual Health Insurance policy. It offers a daily hospital cash amount of Rs 250 per day up to a maximum of Rs 2500 and Rs 500 per day up to a maximum of Rs 5000 per day during a policy year.

However, the United India Hospital Cash policy comes with a deductible of 48 hours of hospitalization. Hence, the United India Insurance Company Limited will offer a daily cash allowance from the third day of hospitalization.

United India Hospital Cash Policy Eligibility Criteria

Criteria	Specifications
Minimum Entry Age	18 years 91 days (children)
Maximum Entry Age	65 years 18 years (children)
Plans Offered	Platinum, Gold, Senior Citizen
Coverage	Individual
Hospital Cash Amount	Rs 250/ 500 per day
Number of Hospital Cash Days	10 days
Pre-policy medical check-up	Not required up to 60 years
Policy Term	1 year
Pre-existing diseases waiting period	4 years
Deductible	48 hours
Renewability	Lifetime
Discounts	Family discount

Key Features of United India Hospital Cash Policy

Here are the key features and benefits of the United India Hospital Cash policy:

It is available in three plan types.
It provides a hospital cash benefit for each day of hospitalization.
It offers free health check-up after three consecutive claim-free years.
It comes with a deductible of 2 days of consecutive hospitalization.
It offers tax rebates on paid premium under section 80D of the Income Tax Act.

Inclusions of United India Hospital Cash Policy

The United India Insurance Company Limited offers a daily cash allowance to the insured for each day of hospitalization. The insured can avail a hospital cash amount of Rs 250/500 per day up to a maximum of Rs 2500 and Rs 5000 respectively.

The policy will offer a free health check-up facility if no claims are raised for three consecutive years.

Exclusions of United India Hospital Cash Policy

The United India Hospital Cash policy does not cover the following medical expenses:

Maternity expenses
Non-allopathic or non-ayurvedic treatments
Treatment for alcoholism or other addictions
Intentional self-inflicted injury or any attempt to suicide
Stem cell therapy
Sterility or infertility treatments
Cosmetic or plastic surgery
Obesity or weight control procedures
Artificial life maintenance
Vaccination costs
Treatments taken outside India

The above list of policy exclusions is not exhaustive. You can find the complete list by referring to the United India Hospital Cash policy brochure.

FAQs

Q. Are children covered under the United India Hospital Cash policy?

Yes. Children from 91 days onwards can be covered under the United India Hospital Cash policy provided one or both their parents are covered under the Platinum plan. A child will be covered as long as he/she doesn’t get married or starts working.
Q. Are day care procedures covered under the United India Hospital Cash policy?

No. The United India Hospital Cash policy does not provide a daily cash allowance for day care treatments.
Q. What are the waiting periods under the United India Hospital cash policy?
The following waiting periods apply to the United India Hospital Cash insurance policy:
- Initial waiting period – 30 days
- Pre-existing diseases – 48 months
- Specific diseases – 24/48 months
Q. Are there any renewal benefits under the United India Hospital Cash policy?

Yes. The United India Hospital cash policy offers a free medical check-up facility to the insured after every three claim-free years.
Q. How can I lower the premium of my United India Hospital Cash policy?

You can lower your United India Hospital Cash policy by availing the family discount. You can reduce your premium by 5% if you include one or more than one family member under the same policy.
Q. Which documents should I submit while raising a claim under my United India Hospital Cash policy?
At the time of raising a claim under the United India Hospital Cash policy, you will need to submit the following documents:
- Duly filled United India claim form
- Attending doctor’s certificate
- Investigation reports
- Implant sticker, if any
- Hospital discharge certificate
- Hospital/ chemist bills
- Bill payment receipts
Q. Can I enhance my sum insured under the United India Hospital Cash policy?

Yes. You can enhance your sum insured under the United India Hospital Cash policy at the time of policy renewal.