United India UNI Criticare Plan

Policy Benefits

• A lump sum payout is provided, in case the insured is diagnosed with any one of 11 listed critical illnesses, which include cancer of specified severity, first heart attack of specified severity, coronary artery surgery (CABG) open chest, heart valve replacement, coma of specified severity, kidney failure, stroke resulting in permanent symptoms, major organ/bone marrow transplant, multiple sclerosis, motor neurone disease with permanent symptoms, & permanent paralysis of limbs.
• You can cover your family under this critical illness plan.

Value Added Benefits

• Plan is Lifelong Renewable.
• Enjoy tax exemption towards premiums paid under section 80D as per IT Act, 1961.
• Portability under this plan is allowed.
• Pre-acceptance medical check-up is not required before 45 years of age, provided there is no medical history.
• Cost of pre- acceptance medical check-up is reimbursed as specified under the policy schedule.

Sub Limits

• No co-pay/cost sharing is applicable.
• 50% cost of pre-acceptance medical examination is reimbursed, in case proposal is accepted.

Waiting Period Clause

• Initial Waiting Period: A waiting period of 3 months from the inception date is applicable under this policy.
• Survival Period Waiting Period: There is a survival period of 30 days to avail benefits under this plan.