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  • United India Workmen Medicare Health Insurance Plan

    United India Health Insurance

    This policy is meant for contractors, factory owners or similar commercial institutions that are looking to provide medical insurance cover to workmen working at their factory locations. The plan covers the hospitalization expenses arising out of the workmen suffering an accident during and in the course of employment.

    Features & Benefits of United India Workmen Medicare Policy:

    The features of this plan are as follows:

    Basis

    Individual

    Premium

    • Business or Trade x10 subject to a minimum of Rs.75, for sum assured of Rs.50,000.

    • Business or Trade x12.5 subject to a minimum of Rs.100, for sum assured of Rs.1 lakh.

    • Business or Trade x15 subject to a minimum of Rs.125, for sum assured of Rs.1.5 lakhs.

    Sum assured

    Rs.50,000, Rs.1 lakh and Rs.1.5 lakhs

    Policy term

    1 year

    Renewability

    Lifetime renewability option

    Cover offered

    Hospitalization expenses in case workmen suffer accidents during the course of employment, including:

    • Room or boarding expenses, nursing expenses up to 1% of daily sum assured for general unit and 2% for ICU unit.

    • Specialist, consultant, practitioner, anesthetist or surgeon payments.

    • Oxygen, blood, anesthesia, OT, surgical appliances, drugs and medicines, x-ray, diagnostic material, prosthetic devices etc.

    • Ambulance charges up to Rs.2,500 per insured per event.

    Benefits

    • Flexible sum assured options.

    • Tax exemptions as per Section 80D of the Income Tax Act, 1961.

    Exclusions

    The following exclusions are in effect:

    • Injuries arising out of war, invasion, nuclear fuel or material that is radioactive.

    • Employees who are not a workmen within the meaning of laws.

    • Liability of the insured through an agreement,

    • Conditions that are contributed by or traceable to a pre-existing disability.

    • Intentional self-injury, attempted suicide or suicide.

    • Drug or alcohol influence.

    • Insanity.

    • Criminal acts.

    • Injuries arising out of accidents beyond the scope of employment.

    • Expenses related to tonics and vitamins unless part of hospitalization process.

    • Naturopathy treatments.

    *The information listed here is as per the latest data. You should read the policy documents carefully before making a decision on buying a health insurance policy.

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