United India UNI Criticare Health Plan

Introduction: This policy covers specific critical illnesses, which are excluded in normal health plans. It provides lump sum payment incase insured is diagnosed with one of the critical ailments. Any person between 21-65 years is eligible to purchase UNI Criticare.

Key Benefits:

Flexibility to choose from various sum insured options i.e. Rs. 1 lakh, Rs. 3 lakh, Rs. 5 lakh and Rs. 10 lakh.
Waiting period of 90 days from the date of inception of the policy
Survival period of 30 days from date of diagnosis

Coverage:

Following are the 11 critical illnesses covered by the policy:

First heart attack
Heart valve replacement
Cancer of specified severity
Kidney failure
Coma of specified severity
Coronary artery surgery
Major organ transplant or bone marrow transplant
Permanent paralysis of limbs
Multiple sclerosis
Stroke resulting in permanent symptoms
Motor neurone disease with permanent symptoms

Exclusions

The policy does not cover critical illnesses caused due to following reasons:

Attempted suicide or
Alcohol or drug abuse
Disease caused due to HIV/AIDS infection
Contamination by radioactivity from nuclear waste

Written By: PolicyBazaar - Updated: 18 December 2020

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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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