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United India Super Top-up Policy
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United India Super Top-up Policy

The United India Super Top-up policy is a health insurance top-up policy by United India Insurance Company Ltd. The plan takes care of the financial needs of the policyholder during the times of medical emergencies. It acts as an enhancement to the basic/original policy, thus allowing the policyholder to get extra coverage for medical costs without any inconvenience or compromise in treatment.

Available on individual and family floater basis, the plan casts a wide net in terms of sum insured, ranging from Rs 3 lakh to Rs 15 lakh, covering all major expenses, which are incurred on hospitalisation and other medical services/products used in the diagnosis of the insured due to any illness or injury.

What is the United India Super Top Up Plan?

To cope with the rising costs of healthcare, the insurer comes up with their super top-up plan to allow the policyholder to increase the health coverage. The policy owner stays covered under this policy even when the total bill exceeds the deductible limit.

This policy is a unique offering in the medico-insurance sector with the deductible limit applying to claims on an aggregate basis. With an affordable rate of premium, the United India Super Top Up policy is an effective and economical way to upgrade one's basic health cover on various expenses like hospitalisation fee, boarding fee, doctor's fee, room rent, as well as indemnity for costs incurred on a donor in case of an organ transplant.

Features of the United India Super Top-up Policy

The key features of the United India Super top-up plan are:

  • The policy covers charges after the aggregate hospitalisation costs exceed the threshold stated in the policy.
  • United India Super Top Up plan covers room, boarding and nursing charges, along with surgeon's and medical practitioner's or consultant's fee.
  • Various medical procedures such as oxygen, surgical appliances, blood, operation theatre fees, medicines, chemotherapy, dialysis, radiotherapy, pacemaker, cardiac valve replacement, diagnostic lab tests, etc.
  • A waiting period of 4 years before the insured can avail compensation for treatment of pre-existing conditions.
  • Cashless claims available across 7000+ network hospitals.
  • Free-look period of 15 days before commencement of the policy.
  • Tax benefits can be availed against payment of premium for self, spouse, dependent parents and children.

Benefits of the United India Super Top Up Plan

United India Super Top-up plan is a comprehensive additional health insurance policy designed to cover individuals as well as their policies, either separately with a varying sum insured or under a single plan. The policy comes with numerous benefits for policy owners. They are:

  • Lifelong Renewability

The plan can be renewed at the end of each policy term for life. The insured needs to make sure to pay the premium stated for the renewal of United India Super top-up plan to avail its benefits on a continuous basis.

  • No Co-payment

Co-payment is the percentage of the claim that the insured needs to bear on his/her own. This United India health insurance policy has no provision for co-payment. The insurer will bear all expenses.

  • Higher Coverage

The policy has a wide range of sum insured options to be vailed between 3 lakh to 15 lakh that serves as an emergency reservoir when the threshold of one's base policy has been exceeded.

  • Complete Hospitalisation Coverage

United India Super top-up policy covers all expenses including expenses incurred on nursing, boarding, and room charges along with the surgeon’s, medical practitioner’s, specialist’s, anaesthetist's, and/or consultant’s fee. Additionally, the plan also covers minors from 3 months to 18 years, and adults up to 80 years, thus covering every member of a household.

  • Additional Expenses

The policy bears additional medical expenses like oxygen, surgical appliances, blood, operation theatre fees, medicines, chemotherapy, dialysis, radiotherapy, pacemaker, cardiac valve replacement, diagnostic/lab tests, etc.

  • Cashless Claims

Having more than 7000 network hospitals, policy owners under United India Super top-up policy can avail cashless treatment at any one of them, with quick claim settlements.

Exclusions under the United India Super Top-up Plan

The insured cannot seek compensation in certain circumstances under the policy. The benefits of this health insurance plan cannot be availed in the following circumstances:

  • No coverage for pre-existing diseases until 4 years from the start date of the policy
  • Injury /disease due to any act of invasion, war, civil unrest, etc.
  • Circumcision, unless validated for the treatment of a disease specified in the plan.
  • Vaccination (unless for an animal bite), cosmetic or aesthetic treatment
  • Dental treatment or surgery of any kind unless requiring hospitalisation
  • Congenital or Venereal disease, AIDS, intentional self-harm or use of intoxicating drugs/alcohol
  • Charges incurred primarily for diagnosis.
  • Treatment related to pregnancy, abortion, childbirth, etc.
  • Treatments such as Naturopathy, Acupressure, Acupuncture, magnetic and other similar therapies

Eligibility Criteria under the United India Super Top-up Policy

United India Super top-up plan can be bought as an additional plan over a basic health cover to expand the range of sum assured in the event the threshold limit is surpassed of the original plan.

Thus, any Indian citizen can buy this policy regardless he/she has another policy with any insurer.

Minimum Age of entry

Children- 3 months

Adults- 18 years

Maximum Age of entry

80 years

Renewal Age

Lifelong renewability

Policy tenure

1 year


Claim Process under the United India Super Top-up Policy

A health insurance claim can be made by a person when the aggregate amount of treatment expenses has exceeded the threshold of their original base policy. Claims can be made in two ways- Cashless claims and reimbursement claims.

Cashless Claims

Policy owners can avail cashless treatments at hospitals that are included in the network of hospitals of United India Insurance. In simpler words, policyholders need not pay for their treatments and hence, do not have to reimburse their claims as the insurer pays for all the medical bills included in the policy up to the amount of the sum insured. One can easily apply for cashless claims at a network hospital by following the below-mentioned steps:

  • Intimation of claim

The first step is to intimate the insurer about one's claim. If it is a medical emergency, one needs to intimate the insurer by calling at 1800-425-333-33 within 24 hours of hospitalisation. However, if the hospitalisation is planned, one needs to intimate the insurer 72 hours before such hospitalisation by calling on the same number mentioned above.

  • Pre-Authorization of Claim

Subsequently, one also needs to get a pre-authorisation form by furnishing their health insurance ID Card from the TPA desk or insurance department of the hospital. One needs to duly fill in the United India Claim Form and submit it to the TPA desk or insurance department, who will then forward it to the insurer.

  • Document Verification

After the form and relevant documents have been submitted to the insurer, their in-house medical team will verify the case and the documents submitted.

  • Approval of Claim

Once the in-house team verifies the documents and Claim Form, they will proceed accordingly. The approval or disapproval of claims is done in a matter of hours by the in-house team.

  • Claim Settlement

If the pre-authorisation mentioned above is accepted, the network hospital will be intimated, and the expenses will be paid off at the time of discharge, minus any non-medical expenses and inadmissible claims.

Reimbursement Claims

To make a reimbursement claim at a non-network hospital, the policyholder or his/her representative needs to go through the following steps:

  • Intimation of Claim

The first step is to intimate the insurer about one's claim. If it is a medical emergency, one needs to intimate the insurer within 24 hours of hospitalisation. However, if the hospitalisation is a planned hospitalisation, one needs to intimate the insurer 72 hours prior to the admission.

  • Submission of Insurance and Medical Documents

After the intimation, policyholders need to provide all the medical details and policy information of hospitalisation to the insurer to claim United India health insurance policy.

  • Verification of Documents

After the form and relevant documents have been submitted to the United India Insurance Co. Ltd, their in-house medical team will verify the case and the documents submitted.

  • Approval of Claim

Once the in-house team verifies the documents and United India Insurance Claim Form, they will proceed accordingly.

  • Claim Settlement

If the case of reimbursement claim is accepted, all the expenses borne by the policy owner will get reimbursed. However, if the claim is disapproved, the insurer will notify the policy owner or his/her representative about the reasons for the decision.

Documents Required to Make a Claim

For any claim to be made under United India Super Top-up policy, the policyholder needs to submit the claim form and the following documents:

  • All medical certificates including surgeries performed
  • All bills, payments and receipts with duly signed discharge certificate
  • Cash memos from the pharmacy, diagnostics
  • Payment receipt of doctor’s and surgeon’s fee
  • First Information Report & Post-mortem report (if applicable)
  • Any other such document as may be required by the insurer or TPA desk

How to Buy the United India Super Top Up Plan?

United India Super Top Up plan can be bought online as well as offline. Any individual looking to purchase the policy online can do so by visiting the insurers website or approaching Paisawiki.com. The buying steps require the applicants to fill in the required details online and submit. The premiums can be calculated through the online calculator provided by the website and lastly, pay the premiums through a secured online gateway.  

Those seeking the plan offline can visit the nearest branch do the required.

Documents Required to Buy the United India Super Top Up Plan

The necessary documents are:

  • Duly filled and signed Proposal form with all necessary details
  • Signed prospectus copy
  • All other relevant information, such as present and previous Insurance policies of every insured person with claim history.
  • The pre-policy health check-up will be done if:
  • The age of the insured individual exceeding 45 is not covered under any other health insurance policy.
  • The high-value sum insured is below a threshold level in relation to the sum insured under present policy

Renewal of the United India Health Insurance Plan

The policy tenure of United India Super Top-up plan is 1 year and has to be renewed at the behest of the policyholder.

  • Through Paisawiki.com

The policy owner needs to visit the official website of Paisawiki.com and go to the ‘health insurance' tab. Subsequently, click on ‘Renew'.

  • Fill in details

The user will then be asked his/her policy number

  • Verify Policy Details

All details of the policy will appear on the screen. The policyholder needs to check all details and request changes (if any) to the insurer, like change in sum insured, added benefits, etc.

  • Make Payment

The applicant then needs to pay the premium amount for renewal of the plan using any online payment mode.

  • Confirmation

Post payment, a policy renewal confirmation will be sent to the registered Email ID of the policy owner.

FAQs

  • Q1. What expenses are included in the United India Super Top Up plan?

    Ans. The following expenses are included under the policy:

    • Room, Boarding, RMO Charges, Nursing Care, IV Fluids/Injection administration charges/Blood Transfusion
    • Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees
    • Anaesthetics, Oxygen, Blood, OT Charges, Medicines & Drugs,  surgical appliances, Diagnostic Materials, X-ray, Chemotherapy, Dialysis, Radiotherapy, cost of prosthetic devices implanted during surgical procedure like Pacemaker, and Artificial Limbs.
    • Hospitalisation Expenses (excluding organ cost if any) incurred for a donor in respect of Organ transplant.
  • Q2. Is there a free-look period under the policy?

    Ans. There is a free look period of 15 days during which the policyholder may return the policy documents if they don’t agree with any terms and conditions.

  • Q3. How can the sum insured be enhanced at the time of renewal?

    Ans. The insured has the option to seek enhancement of sum assured at the time of renewing his/her policy. Such request has to be made in writing and accompanied with a declaration that the insured or any of their family members who are insured is not suffering from any such ailments that may be claimable under the policy as per their knowledge.

  • Q4. How much premium will be charged if one cancels the policy during the period of risk?

    Ans. The insured person may at any time ask for the cancellation of the policy. The insurer shall be liable to pay back the premiums as per their short table premium rate (if no claims have been made):

    • Up to 1-month: ¼th of annual rate
    • Up to 3 months: ½th of annual rate
    • Up to 6 months:3/4thof annual rate
    • Exceeding 6 months: Full annual rate.
  • Q5. Is there any provision for portability under the United India Super Top Up plan?

    Ans. Portability is allowed under the United India Super Top Up policy on the following conditions:

    • Intimating United India at least 45 days prior to the expiry of current policy
    • The policyholder looking to port to a health insurance policy provided by a non-life insurance company

    Individual family members covered under by Group Health Insurance plan from a non-life insurance company can migrate to an individual or family floater plan.

Written By: Paisawiki - Updated: 12 February 2021

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