United India Health Insurance Super Top Plans

United India Health Insurance Super Top up

United India Super Top-up Health Insurance gives additional benefits over and above existing healthcare plans. United India Super Top-up Medicare Policy helps you enhance your basic coverage benefits. It is useful when you already have a policy but wish to increase the coverage at a minimal premium.

United India Super Top-up Medicare Policy

The United India Health Top-up is the best option for those who do not want to pay out-of-pocket expenses and still need additional benefits and coverage. The Super Top-up plan from United India health insurance offers additional benefits such as hospitalization and treatment cover in addition to the coverage provided in the existing health plans. Some of the salient features and details about United India Health Insurance Plans are given below.

Eligibility Criteria

Minimum Entry Age	Adults: 18 years Dependent Children: 3 months
Maximum Entry Age	Adults: 80 years Children: 18 years
Sum Insured & Deductibles (Rs.)	SI: Rs 3 lakh/Rs 5 lakh Deductible: Rs 2 lakh INR: Rs 3 lakh/Rs 5 lakh/Rs 7 lakh Deductible: Rs 3 lakh INR: Rs 5 lakh/Rs 10 lakh/Rs 15 lakh Deductible: Rs 5 lakh
Renewal Terms	One year policy renewable annually
Pre-existing Diseases	48 months
Sum Insured Modification	Possible with notification three months before
Grace Period	30 days

Key Features of United India Super Top-up Medicare Policy

The benefits under the United India health top-up policy are given below:

The Policy is available both on Individual and Floater basis
United India Super top-up health insurance policy offers cashless hospitalization cover in more than 7000 hospitals across India
The premium paid for self, spouse, dependent children and dependent parents is exempted from Income Tax u/s 80-D of the Income Tax Act
Pre-acceptance health check-up required before applying for United India Health Top-up Policy. In case it is acceptable to the provider, half the cost will be reimbursed.

Inclusions of the United India Super Top-up Health Insurance Plans

United India Super-top up health plan covers people as individuals and their families above the threshold for which they already have coverage. The plan gives many benefits and has inclusions that help the policyholder rest easy. The subsequent section lists them as given below.

In-Patient Hospitalization Expenses, Room, Boarding and Nursing Expenses (all-inclusive). The cost of anaesthetics, blood, oxygen, operation theatre charges, surgical appliances, implants, medicines, drugs, diagnostics including imaging, and any other charges of this kind are covered in the policy
Medical Practitioner, Surgeon, Specialists, and Anaesthetists’ fee
Ayurveda treatments and Day Care treatment expenses are payable as well
Advancement in Technology and Named Modern Treatment Methods like Stem cell Therapy, robotic surgeries can be claimed as well
Day Caremedical procedures that do not require 24-hours of hospitalization are covered in this United India Super-top up policy
The policy also covers the cost for the donor, excluding the cost of the organ, as required during transplant subject to applicable laws

Exclusions of the United India Super Top-up Health Insurance Plans

This Super top-up health insurance policy does not cover the following expenses and claims:

HIV/Aids Treatment
Wars and war-like operations, such as insurrection and rebellion
Illnesses caused by nuclear radiation
Congenital diseases, defects and anomalies
Maternity expenses
Unproven treatments
Change of gender treatments
Cosmetic or plastic surgery
Vaccination or inoculation
Visual aids, hearing aids and dental aids
Rest and rehabilitation
Naturopathy and other treatments not established in India

*For more information about exclusions, please refer to the plan brochure or the policy document.

You can check out United India Health Super Top-up Premium Chart to find the amount of premium payable. Check out United India Health Top-up Plan Brochure for more information on benefits and features. For more details, you can write to us at care@policybazaar.com.

FAQs

Q1. What is the sum insured options under the United India Health Super Top-up policy?

Ans: You can choose a minimum of Rs 3 lakh and a maximum of Rs 15 lakh if you buy the Edelweiss Health Super Top-up policy.
Q2. Does United India Super Top-up Medicare health plan offers portability options?

Ans: Yes, one can port the entire policy at least 45 days before the renewal period but not before 60 days of the renewal period.
Q3. Is migration possible with United India Super Top-up Medicare health plan?

Ans: Yes, migration is possible in this Super Top-up policy. However, as per IRDAI guidelines, one must notify the company at least 30 days before the renewal date.
Q4. What are the various steps in the claim procedure?
Ans: The various steps in the claim procedure are as follows:
- Notification of Claim either 24 hours after treatment or discharge or 48 hours prior to hospitalization for the company to process the reimbursement claim
- Cashless claims are applicable in recognized network hospitals
- Submit the claim document, photo identity proof and all other supporting documents
- The company will settle or notify any rejection within thirty days of receipt of complete documents
Q5. What is the time limit for submitting United India Health insurance claim documents?

Ans: The claim period is 15 days for all claim documents. This includes reimbursement of hospitalization expenses and post-hospitalization expenses limited to 60 days from the discharge from the hospital.