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United India Gold Policy
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

United India Gold Policy

United India Health Insurance policies are one of the most preferred products in the market. Most of these policies offer comprehensive coverage, keeping the individual needs at different stages in life. One such policy that gaining popularity over the period is United India Gold Health Policy.

What is United India Gold Health Policy?

The United India Gold plan covers hospitalisation expenses, many other medical expenses, and domiciliary treatment availed either at home or hospital on the advice of a medical professional or doctor. With many benefits and features offered by this plan, it is a lucrative health insurance plan launched by the esteemed insurance company to take care of medical expenses arising out of any unforeseen ailment or an unfortunate accident. The policy also covers non-allopathic treatments like Homeopathy, Ayurveda, and Unani.

Features of the United India Gold Policy

The United India health insurance policy comes with the following features:

  • Room rent, boarding, and nursing expenses – up to 1% of the sum insured or the actual amount of expense, whichever is less.
  • Intensive Care Unit expenses – up to 2% of the sum insured or the actual amount of expense, whichever is less
  • Fees of the doctor, consultant, Surgeon, anaesthetist, nursing, medical practitioner, and specialist.
  • Amount expended towards diagnostics, X- Rays, tests, blood, oxygen, surgical appliances, OT fees, dialysis, chemotherapy, anaesthetic, radiotherapy, etc.
  • Daycare treatment
  • AYUSH treatment comprising of Ayurveda, Unani, Siddha, and Homeopathy
  • Pre-hospitalisation expenses - 30 days before hospitalisation
  • Post-hospitalisation expenses - 60 days after discharge
  • Ambulance charges – Rs 2,500 maximum per the tenure of the plan
  • Hospital cash benefit – Rs 250 or Rs 500 per day with a max of Rs 2,000 or Rs 5,000 per hospitalisation
  • Cost of artificial limbs, pacemaker, injection administration, RMO prosthetics, infra cardiac valve replacements, blood transfusion orthopaedic implants, IV fluids, etc.

Waiting Period:

  • 30 days waiting period for all illness
  • 48 months for specified Pre-existing diseases

Two year waiting period for:

  • Cataract
  • Benign prostatic hypertrophy
  • Hysterectomy
  • Congenital internal disease
  • Hernia
  • Hydrocele
  • Removal of Gall bladder stone
  • Fistula
  • Piles
  • Sinusitis
  • Gout and rheumatism
  • Calculus disorder

Four year waiting period for:

  • Joint replacement because of a degenerative condition
  • Age-related ailments like osteoporosis and osteoarthritis

Benefits of United India Gold Health Policy

The scope of benefits under this policy is categorized as below:

Free Look-in Period

 

Free Look-in period of 15 days within which the purchased policy can be returned if the terms and conditions are not suitable to the policyholder

 

Tax Benefits

Tax exemption for a premium paid in other modes except in cash under section 80D of the Income Tax Act. Health Insurance premiums for senior citizens paid up to Rs 20,000 are permitted as an exemption from the taxable income of the financial year under section 80D of the Indian Income Tax Act, 1961

*Tax benefit is subject to changes in tax laws.

 

 

Claim Settlement

From the receipt of the relevant claim documents, the insurance company settles the claim within 15 days

Cashless Hospitalisation

7000 plus hospitals

Family Savings

If family members also included in the family floater plan, 5% savings on the premium is provided by the insurance company

Family Floater Plan members

An individual, Spouse, Dependent children and

Dependent parents

Other Benefits

• Once towards the end of the policy tenure – a medical check-up will be provided to the insured on a condition that no claims were made during that term.

• Cashless facility available at network hospitals

• No claim bonus

*Savings offered by the insurer are as per the IRDAI approval. Standard T&C apply

Exclusions of the United India Gold Policy

The policy doesn’t include the expenses incurred for the following:

  • Any pre-existing condition not covered until 48 months since the inception of the policy.
  • Any disease contracted during the first 30 days from the inception of the policy is excluded.
  • Injury or disease due to War, invasion, nuclear weapons, War like operations, Act of Foreign enemy, etc. are not covered.
  • Circumcision is excluded from the list of coverage.
  • Vaccination or inoculation of any kind is not covered.
  • Cosmetic or Plastic surgery is excluded.
  • Expenses did on spectacles, contact lenses, dental treatment, and hearing aids.
  • Convalescence, obesity treatment, general debility, run-down, rest cure, congenital external disease, psychiatric, and psychosomatic disorders are excluded.
  • Infertility, Venereal disease, or Sterility etc. are not covered.
  • Intentional self-injury under intoxication drugs or alcohol are not covered
  • Human T-Cell, lymphadenopathy Associated Virus (LAV), Lymphotropic Virus Type III (HTLB - III), Mutants Derivative, Variation Deficiency Syndrome, or similar diseases etc. are excluded.
  • AIDS, HIV, or any other sexually transmitted disease are not covered.
  • Expenses on vitamins and tonics if not certified by the medical practitioner are excluded.
  • Expenses concerning pregnancy, childbirth, miscarriage, abortion, or other complications.
  • Naturopathy Treatment, magnetic therapies, acupuncture, acupressure or any other experimental treatments are not covered.
  • Ambulatory devices like a walker, belts, crutches, Collars, splints, Caps, Slings, stockings, Braces, bandages, etc. are excluded.
  • Expenses incurred on equipment like external orthopaedic pads, CPAP, CAPD, Infusion pump, Oxygen concentrator, glucometer, thermometer, diabetic footwear, bed, subcutaneous insulin pump, alpha, water, etc. are excluded.
  • Genetic disorders and stem cell therapy, implantation or surgery are excluded.
  • Expenses due to change of treatment are not covered.
  • Age-Related expenses on Macular Degeneration (ARMD), Rotational Field Quantum Magnetic are excluded.
  • Resonance (RFQMR), Enhanced External Counter Pulsation (EECP), etc. are excluded.
  • All non-medical expenses for personal comfort like expenses for private nursing, barber, spa and beauty services, diet charges, baby food, diapers and tissue paper, sanitary pads and toiletries, telephone, television, etc. are not covered.
  • Any kind of surcharges, registration fees, taxes, service charges, admission fees, and similar charges are excluded.

Eligibility Condition to be Met to Buy the United India Gold Policy

The minimum eligibility criteria of purchasing a United India Gold Policy are:

Parameters

Minimum

Maximum

Entry Age for children with the condition that their parents are also insured in the same policy

3 months

18 years

Entry Age for Adults

36 years

60 years

Sum Insured (In Rupees)

Rs 1 Lakh

Rs  5 Lakh

Tenure of the Policy

1 year

1 year

Claim Process of the United India Gold Health Policy

The United India Insurance Company Ltd. offers a seamless claim settlement process for both cashless and reimbursement claims. The simple steps to claim this policy are mentioned below:

  • Step 1 – Hospitalisation notice or communication or claim should be immediately informed to the insurance company with complete details and a filled claim form along with policy documents and identity proof of the insured through TPA, nearest insurance company branch, 24 x 7 customer care helpline number or email support should be submitted.
  • Step 2 - In case of emergency hospitalisation, the intimation should be made within 24 hours from the time of hospitalisation.
  • Step 3 – All supporting and relevant documents, bills, receipts, prescriptions and test reports should be submitted through the same channel within 15 days from the date of discharge.
  • Step 4 – In the purview of post-hospitalisation, all claim documents should be submitted within 7 days after completion.
  • Step 5 – The Insurance company can appoint a medical practitioner or an authorised medical professional to examine the claim for any injury or disease which requires hospitalisation.
  • Step 6 – No claim will be accepted if the claim is made in a fraudulent manner or supported by fraudulent means.
  • Step 7 – The Insurance company has the right to cancel or deny claims based on any kind of misrepresentation, misdescription, or non-disclosure of any medical fact.
  • Step 8- Based on the thorough verification, the claim will be settled as per the nature of the claim. For cashless claim, the settlement is done directly with the hospital authority, while in case of reimbursement, the insurer will pay the claimed amount through NEFT, after the insured getting discharged from the hospital.

How to Purchase the United India Gold Policy?

The policy can be bought through:

  • Brokers and Third-Party Agents

Agents are experts, who can take care of the paperwork with the issuance and purchase of insurance policy and who work with Insurance companies and are paid by them. They have the expertise to guide you to choose the appropriate policy that best suits individual needs and to settle relevant claims

  • Directly from the Insurance Company

Insurance companies that possess a license from the IRDA of India to sell insurance products can directly sell their plans and policies to applicants who are keen on buying health insurance from them. They also offer after-sales service, in comparison to various policies and claim settlement processes.

  • Online Policy

Keeping the appropriate documentation ready, the individual can visit various third-party websites online such as Paisawiki.com, compare different policies, and search for the best policy comparing the premium, compensation, settlement, and opt for the best plan. Online documentation can be submitted, an online comparison of the purchase of policy can be made after making the appropriate online payment.

Required Documents to Purchase the United India Gold Policy

Before purchasing a health insurance policy, the applicant must be ready with his personal details and relevant documents like:

  • Age proof
  • Address proof
  • Identity proof
  • Medical screening report if required

Renewal Process of the United India Gold Health Plan

The policy requires to be renewed on time. The insured can renew the policy through paisawiki.com as well. The simple steps for renewing the policy include:

  • Visit the official website of Paisawiki.com and go to the ‘Renew’ option
  • Select the type of plan and click on ‘Renew’.
  • Calculate the premiums to be paid, compare the plans online.
  • Pay the premiums using credit/debit card or net banking.

The insurance company permits to renew this policy if the policyholder has paid out all his pending amounts of premium in the previous period to the company as stated in the previous schedule. It can reject a case of renewal if there is any kind of fraud, diversion, misrepresentation, miscommunication, or suppression by the policyholder.

The insured gets a grace period of 30 days to remit the balance premiums of the previous year and to pay a premium towards renewal. In this case, there will be no lapse, and the continuity of the plan will be maintained. However, if within this period, there is any claim or medical emergency suffered by the insured, the insurance company will not be held liable in this case. If the payment towards renewal is not made within the grace period of 30 days, the plan stands cancelled and will be treated as null and void, and a fresh policy will have to be purchased.

United India Health Insurance FAQs

  • Q. Can there be any enhancement of Sum Insured under United India Gold Health Policy?

    Ans. The insured can apply for an enhancement in sum insured by:

    Filing a request form along with a declaration that the insured is not aware of any symptoms or other indications that can lead to an immediate medical claim.

    The insurance company may require a medical screening of the policyholder to take a decision on enhancement in the Sum Insured.

    Reimbursement of 50% of the cost of the medical examination will be made to the policyholder if the insurer accepts the request.

  • Q. What is the cancellation clause of United India Gold Health Policy?

    Ans. The Company can send a 15 days' notice before cancelling the policy due to misrepresentation, fraud, the secrecy of material fact or non-cooperation by the policyholder

    The insurance company will return a proportion of the last premium if the company has paid no claim.

    Period on risk

    Premium charged

    Till 1 month

    One-fourth of the annual rate of premium

     

    Till 3 months

    Half of the annual rate of premium

    Till 6 months

    Three fourth of the annual rate of premium

    Above 6 months

    Full Annual Rate of premium

    *Standard T&C Apply

  • Q.3. Who bears the cost of Health Check-Up?

    Ans: The policyholder will be entitled to reimbursement of medical screening cost only once at the end of 3 underwriting years with the condition that no claims will have been reported during this time. Also, the other condition is that the renewal of the policy has been done without any break in the policy which should be active in continuity. The amount of reimbursing this medical test cost is 1% of the sum insured for the preceding 3 policy years.

  • Q.4. How is the payment of claim made by the Insurance Company?

    Ans: The payment is made:

    • All claims will be paid out to the policyholder in Indian currency.
    • All hospitalisation expenses and medical or surgical treatments should be taken in India only for the purpose of this insurance.
    • Payment of claim shall be made directly to the Hospital or Nursing Home if it is a cashless claim or directly to the Insured if it is a reimbursement case, as the case may be.
    • After thorough verification and investigation of the claim documents, the payment of claim will be made within seven days as soon as the offer is accepted, which was laid by the insured.

    In case the payment is delayed, the insurer may have to pay interest at 2%.

Written By: Paisawiki - Updated: 12 February 2021

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