United Health Insurance Policy- GOLD

What is the Plan all About?

Gold policy is an individual policy which can be extended to the family, including spouse and dependant children catering to combat the expenses incurred for hospitalization. It is a health insurance policy which allows you to stay peaceful in those worrisome time of hospitalization.

Key Features

Comprehensive Health Plan
Lifetime Renewability available
Cashless Coverage in 7000 network hospitals
Provision to get family insured under one plan
Avail 5% family discount on premium
Avail Tax Benefits under section 80 D if IT Act

Policy Benefits

Room, Boarding, Nursing expenses, ICU expenses,etc. are covered as per the specified policy limits underinpatient hospitalization which requires minimum 24 hours of stay.
Expenses incurred for Consultants, Surgeon, Anesthetist, Medical Practitioner, Specialists Fees,etc. are covered.
Pre Hospitalization expenses are covered upto 30 days before hospitalization.
Post Hospitalization expenses are covered upto 60 days after discharge from the hospital.
Day Care Procedures which require less that 24 hours of hospitalization are covered.
Ayush Treatmentif taken in Govt. Hospital or Govt. approved facility is covered under this policy.

Value Added Benefits

No Claim bonus of 3% after 3 continuous claim free years and subsequent claim free years subject to maximum 15% of sum insured.
Cashless Hospitalization in more than 7000 hospitals across India.
Add on Covers such as Road Ambulance service and Daily Hospital Cash are available.
Avail Tax benefits for the premium paid towards this policy under section 80D of IT Act.
Free Medical check-up once in a block of3 claim free years.

Sub Limits

Room, Boarding and Nursing expenses are covered upto 1% of the Sum Insured or actual expense amount whichever is less.
ICU expenses covered upto2% of the Sum Insured or actual whichever is less.
Cataract, Hernia, Hysterectomy expenses is covered upto actual expenses or25% of sum insured, whichever is less.
Major illness/surgeries are covered upto actual expenses or 70% of SI whichever is less.
Pre & Post Hospitalization expenses are covered subject to the maximum limit of 10% of the Sum Insured.

Waiting Period Clause

Initial Waiting Period: Any diseases contracted during first 30 days of the policy start date, except those arising out of accidents.
Specific Waiting Period: Some treatments such as Cataract, Fistula in anus,Piles, hernia, etc. are covered after 2 or 4 consecutive policy years.
Pre existing Disease Waiting Period: This plan has a waiting period of 4 years to cover pre existing diseases.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 36 Years Child: 3 Months	Adult: 60 Years Child: 18 Years
Sum Assured	1 Lac	5Lacs (in Multiples Of 25 K)
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Ambulance Cover & Daily Hospital Cash	-