The health insurance sector is witnessing a boom with so many players and hundreds of insurance plans in the market. It is good to have so many choices but it makes it difficult to choose one plan that suits your needs best. Hence you should do your homework first, to understand your own requirements and research well to find plans that fulfil those requirements. To help you in choosing the best health insurance plan, this article presents United India Gold Plan in detail with all its features and benefits.
United India Insurance Company is one of the oldest insurance companies in India with 84 years of experience. The company was incorporated in 1938 and is a pioneer in the large-level implementation of the Universal Health Insurance Program Of the Government of India. The company offers a variety of insurance solutions for different segments ranging from rural to space technology. With a presence in more than 1000 towns and villages in India, it has 1992 offices and 8000+ network hospitals all across the country. There are various types of United India Health Insurance Plans available in the market. Let us discuss United India Health Insurance Gold Plan offered by the company
Renewal Benefits -
A) For every 3 claim-free years, the insured is entitled to health check-ups up to 1 % of the average sum insured subject to a maximum of ₹ 5000.
B) A 10% discount is offered if the original policy is purchased online and all renewals are made online. Family Discount - A family discount of 5 % is available if 2 or more members are covered in the same policy.
United India Health Insurance Gold Plan provides two types of covers: Base cover and Optional Cover. Base cover includes the default coverage under the plan while optional covers are available on payment of an additional premium.
The base coverage under the policy is provided on the written advice of a medical practitioner and is available for medically necessary treatments only.
Road Ambulance Cover upto ₹2500 per person per policy period for an injury or illness which occurred during the policy period. Daily cash Allowance on Hospitalisation for continuous and completed 24 hours of hospitalisation as per the policy terms.
Daily cash Allowance on Hospitalisation for continuous and completed 24 hours of hospitalisation as per the policy terms.
The company does not provide any coverage under the policy till the end of the waiting periods given below.
The following conditions/diseases are not covered under the policy.
Claims can be settled in 2 ways, either at a cashless facility at a network hospital or as reimbursement of claim.
Cashless treatment at a network hospitalisation is subject to pre-authorization by the TPA. Call TPA for claim intimation and provide your health card ID number. On admission, produce your health ID card to get a cashless request form. Fill out the form and sent it to the TPA. TPA then verifies your request and sends the pre-authorization letter to the hospital. A the time of discharge, the insured verifies and signs the discharge papers and the bill is settled directly with the hospital by the company.
Reimbursement of claims is done when treatment is taken in a non-network hospital provided all the necessary documents are submitted to the TPA within the prescribed time limit. The claim needs to be supported with certain documents like a completed claim form, doctor’s certificate and prescription regarding diagnosis, medical history of the insured, bills and payment receipts, discharge summary, payment bills from the doctors, surgeons, diagnostic centre and chemist.
In case an event gives rise to a claim under the policy, a notice with full details should be sent to the TPA immediately. In case of emergency hospitalisation, notice should be sent within 24 hours of hospitalisation and for planned hospitalisation notice should be sent 48 hrs prior to the hospitalisation. All supporting documents relating to the claim should be submitted to the TPA within 15 days from the date of discharge. For post-hospitalisation, documents should be provided within 7 days after completion of the treatment.
While purchasing a United India health insurance plan, there are certain things you should keep in mind and there are certain mistakes that you avoid.
Health insurance plans are available in multiple variants. The type that fulfils your requirements is the best plan for you. Many plans offer similar coverage but who is eligible to purchase that plan makes the difference. Most employers provide insurance to their employees but is that enough to cover your entire family? Therefore, to avoid any financial risk, it is a must to have comprehensive health insurance coverage.
An individual health plan can provide coverage in addition to your employer's insurance plan. Consolidated health coverage will not only shield you against medical emergencies but will also offer multiple benefits. United India Gold Plan is the ideal choice if you are looking for individual health plans. The plan offers coverage that can enhance your existing employer health insurance policy and you can enjoy a family discount also.
