United India Workmen Medicare Health Insurance Plan

Premium

1. Business or Trade x10 subject to a minimum of Rs.75, for sum assured of Rs.50,000.
2. Business or Trade x12.5 subject to a minimum of Rs.100, for sum assured of Rs.1 lakh.
3. 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

1. Room or boarding expenses, nursing expenses up to 1% of daily sum assured for general unit and 2% for ICU unit.
2. Specialist, consultant, practitioner, anesthetist or surgeon payments.
3. Oxygen, blood, anesthesia, OT, surgical appliances, drugs and medicines, x-ray, diagnostic material, prosthetic devices etc.
4. Ambulance charges up to Rs.2,500 per insured per event.

Benefits

1. Flexible sum assured options.
2. Tax exemptions as per Section 80D of the Income Tax Act, 1961.

Exclusions

1. Injuries arising out of war, invasion, nuclear fuel or material that is radioactive.
2. Employees who are not a workmen within the meaning of laws.
3. Liability of the insured through an agreement,
4. Conditions that are contributed by or traceable to a pre-existing disability.
5. Intentional self-injury, attempted suicide or suicide.
6. Drug or alcohol influence.
7. Insanity.
8. Criminal acts.
9. Injuries arising out of accidents beyond the scope of employment.
10. Expenses related to tonics and vitamins unless part of hospitalization process.
11. Naturopathy treatments.