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.

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United India Health Insurance Super Top up

*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 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.


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