United India Personal Accident Mediclaim Insurance

United India Personal Accident Mediclaim Insurance Policy Overview:

The policy takes care of hospitalization and medical expenses incurred by individual and family members. It pays for your domiciliary hospitalization expenses and hospital charges including room, boarding, nursing charges, fees of surgeon, diagnostic tests, and cost of medicines.

Key Features of United India Personal Accident Mediclaim Insurance Policy:

  • For sum insured up to Rs. 10 lakh and age up to 45 years, no medical tests are required.
  • Full Coverage before, during and after hospitalization.
  • Wide insurance cover for treatment against accident and illness.

Eligibility Criteria of United India Personal Accident Mediclaim Insurance Policy:

Any individual who is aged between 5 to 75 years can purchase this policy. Children in the age group of 3 months to 5 years can be covered under this plan only along with their parents. 

United India Personal Accident Mediclaim Insurance Policy Coverage:

  • Hospital room rent, boarding and nursing expenses.
  • Pre and post hospitalization costs for 30 days and 60 days, respectively.
  • Hospitalization expenses such as X-ray, dialysis, chemotherapy, radiotherapy, laboratory tests etc.
  • Expenses incurred in ICU, operation theatre, diagnostic procedures, anesthesia, blood, oxygen, medicines, drugs and consumables, surgical appliances, prosthetics etc.

Following is the table showing coverage amount vis-à-vis entry age of the policyholder:

 

Minimum Limit

Maximum Limit

Coverage Amount (in Rs.)

1,00,000

10,00,000

Policy Term (in years)

1

1

Entry Age (in years)

18

75

 

Additional benefits:

  • You can exclude domiciliary hospitalization benefit from the policy to get premium discount.
  • If you cover your family under a single policy, you’ll get 10% discount on the total premium.
  • Exemption under income tax (80D of Income Tax Act) for premium is paid by cheque.