United India Top Up Health Insurance Plan

Eligibility age

1. Dependent children up to 18 years if at least one of the parents is also covered. 
2. Unmarried and unemployed girls, unemployed disabled children do not have an age limit. 
3. Male child up to 26 years involved in full time studies can be covered as dependent. 

Basis

Individual/Floater

Cover offered

1. Hospitalization expenses including room, boarding, nursing, IV fluids, blood transmission, injection administration, RMO charges etc.  
2. Specialist, practitioner, surgeon, anaesthetic or consultant fees.  
3. Organ transplant, prosthetic devices, pacemaker, tests, dialysis, chemotherapy, x-ray, drugs and medicine, surgical appliances, OT, blood, oxygen, anaesthetic or related expenses.  
4. Pre hospitalization up to 30 days.  
5. Post hospitalization up to 60 days.  
6. Ambulance charges up to Rs.2,500 per person. 

Benefits

1. Tax exemptions as per Section 80D of the Income Tax Act, 1961. 
2. Portability to transfer policy. 
3. Flexible sum assured options to choose from. 
4. Pre and post hospitalization cover. 

Exclusions

1. Pre-existing diseases not covered for the first 48 months of continuous policy coverage. 
2. Any kind of inoculation or vaccination unless it is after an animal-bite. 
3. General debility. 
4. Circumcision, plastic surgery or cosmetic surgery. 
5. War, invasion, nuclear weapon and ionizing radiation. 
6. Naturopathy. 
7. Experimental treatments. 
8. External devices/equipment. 
9. Pregnancy or childbirth. 
10. Vitamin or tonic purchases if not part of treatment. 
11. HIV/AIDS, HTLB - III or LAV. 
12. Spectacles or lens costs. 
13. Dental surgery or treatment that doesn't require hospitalization.