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:

*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:

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.

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