United India Senior Citizen Health Insurance

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Introduction

With the progression in age, the health problems also increase. United India’s Senior Citizen health plan offers complete coverage to senior citizens against various illnesses. The entry age for the policy is between 61-80 years. The policy shall continue to be covered provided these are renewed with the insurer without any break. It is possible to cover children between the age group of 3 months-18 years, provided either of the parents is also covered. The sum insured varies between Rs 1-3 lakh, which should be in multiples of Rs 50,000. This policy also covers various day care procedures.

What is Covered Under the Policy?

The policy covers the following expenses-

  • Room, Boarding and Nursing expenses
  • Expenses incurred for surgeon, anesthetist, medical practitioner,
  • Expenses on the illnesses like cataract, hernia, hysterectomy, etc.
  • Coverage to AYUSH treatment

What is not Covered Under the Policy?

The policy doesn’t offer coverage in case of following-

  • Pregnancy, ailments related thereto and child birth
  • Naturopathy
  • Dental treatments
  • Experimental or unproven treatment
  • HIV/AIDS
  • All pre-existing ailments up to 48 months
  • General debility and Run down conditions

How to File for a Claim?

All claims should be made in Indian currency. On the occurrence of any mishappening, intimate the insurer/TPA. In case of any emergency, intimation letter should be sent within 24 hours from the day of hospitalization. A duly filled claim form should be submitted with the TPA along with necessary documents within 15 days from the date of discharge from the hospital.

In case of cashless, insured or representative submits the preauthorization cashless form to the TPA through the hospital where the treatment is taking place.