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.

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United India Hospital Cash Insurance Policy

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

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    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.

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