United India Gold Health Insurance

• Entry age to the policy is 36-60 years.
• Sum insured for the policy: Rs 1 lakh to Rs 5 lakh in multiples of Rs 25,000/-
• Pre and Post Hospitalisation expenses payable in respect of each hospitalisation shall be the actual expenses incurred subject to a maximum of 10% of the Sum Insured.

PRE – HOSPITALISATION:-

Relevant medical expenses incurred 30 days prior to Hospitalisation on disease / illness / injury sustained will be considered as part of claim

POST HOSPITALISATION: -

Relevant medical expenses incurred 60 days after hospitalization on disease / illness / injury sustained will be considered as part of claim as mentioned

• Get coverage for any pre-existing condition(s) as defined in the policy, until 48 months of continuous coverage of such insured person have elapsed, since inception of his/her first policy with the Company.

• Get a family discount of 5% of the total premium will be allowed comprising the insured and any one or more of the following:

1. Spouse,
2. Dependent children (i.e. Legitimate or legally adopted children)
3. Dependent Parents.

• The insured shall be entitled for No Claim Discount of 5% for every claim free year subject to a maximum of 25% provided the policy is renewed continuously without break.
• The insured shall be entitled for a free Medical check-up to be carried out by the Company authorised TPAs once at the end of block of every three underwriting years provided there are no claims reported during the block and subject to the policy being renewed without break. The amount of such reimbursement shall be limited to 1% of the average SI for the preceding three policy periods.