*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
Who would you like to insure?
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 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.
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 |
Here are the key features and benefits of the 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.
The United India Hospital Cash policy does not cover the following medical expenses:
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.
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.
No. The United India Hospital Cash policy does not provide a daily cash allowance for day care treatments.
The following waiting periods apply to the United India Hospital Cash insurance policy:
Yes. The United India Hospital cash policy offers a free medical check-up facility to the insured after every three claim-free years.
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.
At the time of raising a claim under the United India Hospital Cash policy, you will need to submit the following documents:
Yes. You can enhance your sum insured under the United India Hospital Cash policy at the time of policy renewal.