United India Health Insurance

Eligibility 

1. Individual within age limit 18 years and 65 years Individual’s spouse and dependent children ((1 days to 18 years) 

1. Individual above 65 years age eligible for policy renewal Dependent children eligible if both or either parent is concurrently covered 

1. Children up to 26 years are covered provided they are unmarried, or unemployed Newly married spouse within 60 days of marriage 

1. Newborn baby born to mother insured under this policy 

Sum Insured 

Insured amount ranging between Rs.3 lakhs to Rs.10 lakhs, Rs.15 lakhs, Rs.20 lakhs, and Rs.25 lakhs 

Policy Term 

One year, which is renewable annually 

2 Years Waiting Period

1. Benign ENT disorders 
2. All external and internal benign including tumours, polyps such as benign breast lumps, and cysts 
3. Benign Skin Disorders 
4. Benign prostatic hypertrophy 
5. Fissures, Piles, and Fistula-in-ano; Pilonidal sinus 
6. Spinal Diseases and Prolapse intervertebral Disc (unless arising from accident) 
7. Cataract 
8. Calculus diseases 
9. Polycystic ovarian disease 
10. Acid Peptic diseases 
11. Treatment for Fibromyoma or Menorrhagia, Myoma and Prolapse of uterus 
12. Any treatment for varicose veins and ulcers including surgical intervention 
13. Gout and Rheumatism 
14. Internal Congenital Anomaly 
15. Non infective Arthritis 
16. Hydrocele 
17. All types of Hernia 

4 Years Waiting Period

1. Age-related Macular Degeneration (ARMD) 
2. Age-related Osteoporosis and Osteoarthritis 
3. Joint Replacement due to Degenerative condition (unless due to an accident) 
4. All types of Neurodegenerative disorders 
5. Mental illness: 

1. Depression (ICD - F32; F33) 
2. Bipolar Affective Disorders (ICD - F31; F34) 
3. Schizophrenia (ICD - F20; F21; F25) 
4. Psychosis (ICD - F 22; F23; F28; F29) 
5. Obsessive Compulsive Disorders (ICD - F42; F60.5) 

Eligibility 

1. Individual within age limit 18 years and 65 years 
2. Age eligibility of proposer and insured person for the following plans are: 

1. Platinum: 18 years to 35 years. Children above 91 days covered in case either or both parents are covered 
2. Gold: 36 years to 60 years 
3. Senior Citizen: 61 years to 65 years 

1. Children after 18 years of age will be covered provided, they are unmarried, or unemployed 
2. Newly married spouse within 60 days of marriage 
3. Newborn baby born to mother insured under this policy 

Sum Insured 

1. Platinum: Rs.2 lakh, Rs.3 lakh, Rs.5 lakh, Rs.8 lakh, Rs.10 lakh, Rs.15 lakh, Rs.20 lakh

1. Gold:Rs.2 lakh, Rs.3 lakh, Rs.5 lakh, Rs.8 lakh, Rs.10 lakh

1. Senior Citizen: Rs.2 lakh, Rs.3 lakh, Rs.5 lakh 

Policy Term 

One year 

2 Years Waiting Period

1. Fissures, Piles, and Fistula-in-ano; Pilonidal sinus 
2. Cataract 
3. Calculus diseases 
4. Benign Prostatic Hypertrophy 
5. Treatment for Fibromyoma or Menorrhagia, Myoma and Prolapse of uterus 
6. Gout and Rheumatism 
7. Hydrocele 
8. All types of Hernia 
9. Sinusitis and related disorders 
10. Congenital Internal diseases 

4 Years Waiting Period

1. Age-related Macular Degeneration (ARMD) 
2. Age-related Osteoporosis and Osteoarthritis 
3. Joint Replacement due to Degenerative condition (unless due to an accident) 
4. All types of Neurodegenerative disorders 

Eligibility 

1. Individual within age limit 18 years and 65 years
2. Individual’s spouse, dependent children, parents, and parents-in-law
3. Individual above 65 years age eligible for policy renewal
4. Dependent children from 3 years to 18 years are eligible if both or either parent is concurrently covered
5. Children up to 25 years are covered provided they are unmarried, or unemployed

Sum Insured 

Rs.1 lakh, Rs.1.5 lakh, Rs.2 lakh, Rs.2.5 lakh, Rs.3 lakh, Rs.3.5 lakh, Rs.4 lakh, Rs.4.5 lakh, Rs.5 lakh

Policy Term 

One year, which is renewable annually

2 years Waiting Period

1. Fissures, Piles, and Fistula-in-ano; Pilonidal sinus
2. Cataract and age-related eye issues
3. Prolapse inter Vertebral Disc and Spinal Diseases unless (caused due to accident)
4. Mastoidectomy
5. Adenoidectomy
6. Gout and Rheumatism
7. Hydrocele 
8. All types of Hernia 
9. Benign ENT disorders 
10. Tonsillectomy 
11. Non-infective Arthritis 
12. Gastric or Duodenal Ulcer 
13. Varicose Veins and Varicose Ulcers 
14. Benign prostate hypertrophy 
15. Tympanoplasty 
16. All external and internal benign cysts, tumours, and all kinds of polyps including breast lumps 
17. Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy

4 years Waiting period

1. Age-related Macular Degeneration (ARMD) 
2. Age-related Osteoporosis and Osteoarthritis 

Eligibility 

1. Individual within age limit 18 years and 65 years 
2. Individual’s spouse, dependent children, parents, and parents-in-law 
3. Individual above 65 years age eligible for policy renewal 
4. Dependent children with age ranging between 1 day to 18 years are eligible if both or either parent is concurrently covered 
5. Children up to 25 years are covered provided they are unmarried, or unemployed 

Sum Insured 

Rs.50,000, Rs.1 lakh, Rs.1.5 lakh, Rs.2 lakh, Rs.2.5 lakh, Rs.3 lakh, Rs.3.5 lakh, Rs.4 lakh, Rs.4.5 lakh, Rs.5 lakh 

Policy Term 

1. 3.5 months 
2. 6.5 months 
3. 9.5 months 

Waiting Period Exclusion 

1. First 15 days of waiting period 
2. Covid related expenses within 15 days from the date of policy commencement 

Eligibility 

1. Any person within age limit 18 years to 65 years 
2. Individual Sum Insured basis for self, spouse, dependent children, parents, parents-in-law 
3. Family Floater basis for only self, spouse, and dependent children 
4. Dependent children age between 91 days to 18 years are eligible if both or either parent is concurrently covered 
5. Children up to 26 years are covered provided they are unmarried, or unemployed 
6. Newly married spouse within 60 days of marriage 
7. Parents of the newly married spouse with 60 days of marriage 
8. New born baby between 91 days to 180 days born to mother insured under this policy 
9. Baby between 91 days to 180 days adopted within 60 days of adoption 

Note: age limit not applicable for dependent children who are mentally challenged. 

Sum assured 

Sum assured amount ranging between Rs.3 lakh to up to Rs.75 lakh 

Policy Term 

One year which is renewable annually 

Waiting Period Exclusion 

Expenses related to treatment of a pre-existing disease (PED) until expiry of continuous coverage of 48 months from the date of commencement of the first policy. 

Coverage

1. Replacement of heart valve
2. Specified severity of

1. Cancer
2. First heart attack
3. Coma

1. Multiple sclerosis
2. Open chest surgery of Coronary artery
3. Transplant of major organ or bone marrow
4. Stroke and motor neuron disease resulting permanent symptoms
5. Permanent limb paralysis

Free-look Period 

15 days

Income Tax exemption 

Exempted under Section 80D of Income Tax if premium paid for spouse, self, dependent children and parents. 

Exclusions 

1. Pre-existing critical illness
2. Critical illness caused due to:

1. Alcohol or drug
2. Intake of tobacco
3. Disease due to the presence of HIV or AIDS infection

1. Health issue caused due to war, rebellion, foreign invasion, or similar incidents
2. Health issue caused due to contamination by radioactivity from any nuclear fuel, nuclear waste, or ionizing radiation 

Basic Cover

1. Donor Expenses Cover
2. Road Ambulance Cover
3. Pre- and Post – hospitalisation Medical Expenses Cover
4. Domiciliary Hospitalisation Cover
5. Day Care Treatment Cover
6. In-patient Hospitalisation Expenses Cover

Optional Cover

1. Maternity
2. Pre- and post- natal
3. Newborn baby and mother cover
4. OPD treatment
5. Hospital Daily Cash Benefit (HDCB) Cover
6. Critical Illness Benefit Cover
7. Annual Aggregate and Per claim Deductible
8. Voluntary Co-Payment for In-patient Hospitalization
9. Dental expense cover
10. Loss of pay cover
11. Refractive Error Correction Expenses Cover
12. Vision Expenses Cover
13. Home Nursing Charges Cover
14. OPD Physiotherapy Charges Cover
15. Emergency evacuation cover
16. Air ambulance cover
17. Birth Control Procedure Cover
18. Adventure Sports Cover
19. Ultra-Modern Treatment Cover
20. Medical Equipment Cover
21. Infertility Treatment Cover
22. In-patient Hospitalization Cover for AYUSH
23. Enhanced Accidental Hospitalization Cover
24. External Congenital Disease Cover
25. Remote Medical Second Opinion Cover
26. Domiciliary Hospitalisation Exclusion Cover
27. Corporate Buffer
28. Coverage Continuity in case of Loss of Employment

Waiting period provided for:

1. Cataract
2. Hysterectomy for Menorrhagia, Fibromyoma, or prolapse of Uterus (unless necessary due to malignancy myomectomy for fibroids)
3. Varicose ulcers and Varicose vein
4. Surgery for knee replacement, joint replacement, gout, rheumatism, etc.
5. Stones in the uro-genital, urinary, and biliary systems including calculus disease
6. Gastric and duodenal ulcer
7. All types of cysts including breast lumps
8. Polycystic Ovarian Diseases
9. Benign Prostate Hypertrophy
10. all types of Hydroceles
11. Surgery due to malignancy of genito-urinary system
12. Sinusitis and related disorders
13. Benign ENT disorder or surgery
14. Chronic Supportive Otitis Media (CSOM)
15. Deviated Nasal Septum
16. Tympanoplasty
17. all types of Hernia
18. Fissure, Fistula in anus, Piles, Pilonidal sinus, Hemorrhoids and any abscess
19. Named mental disorders

Eligibility 

1. Employer-Employee group of 7 member 
2. Employees of all industrial and commercial establishments, workplaces, offices 
3. Age of employer-employee group ranging between 18 years to 65 years 

Sum Insured 

Rs.1 lakh, Rs.2 lakh, Rs.3 lakh, Rs.4 lakh, Rs.5 lakh 

Policy Term 

One year 

2 Years Waiting Period

1. Benign ENT disorders 
2. Tympanoplasty 
3. Hysterectomy 
4. Mastoidectomy 
5. Non-infective Arthritis 
6. Adenoidectomy 
7. Benign prostate hypertrophy 
8. Tonsillectomy 
9. All external and internal benign including tumours, polyps such as benign breast lumps, and cysts 
10. Fissures, Piles, and Fistula-in-ano; Pilonidal sinus 
11. Sinusitis, Pilonidal sinus, and related disorders 
12. Cataract and age-related eye problems 
13. Gastric or Duodenal Ulcer 
14. Varicose Ulcers and Varicose Veins 
15. Spinal Diseases and Prolapse inter Vertebral Disc (unless caused due to accident) 
16. Gall Bladder, Calculi in urinary system, and Bile duct, excluding malignancy. 
17. Gout and Rheumatism 
18. Hydrocele 
19. All types of Hernia 

4 Years Waiting Period 

1. Age-related Osteoporosis and Osteoarthritis 
2. Joint Replacement due to Degenerative condition (unless due to an accident) 

Reimbursement of hospitalization and pre-hospitalization expenses 

30 days 

15 days from date of discharge from hospital 

Reimbursement of post-hospitalisation expenses 

60 days 

15 days from the completion of post-hospitalization treatment 

Cost of health check-up reimbursement 

NA 

15 days from the health check-up