All about United India Super Top Up Health Plan

Super Top Up Health Insurance plan by United India Insurance is an added health insurance cover, which is over your current health insurance plan. The plan comes up as an all-round health insurance cover offering coverage above the opted deductible limit alongside various incredible features for healthcare expenses arising due to any accident or illness. The policyholder can also include his/ her family members under the single Super Top Up plan with different sum insured option and threshold level. The plan is offered with an extensive sum insured ranging between Rs 3 Lakh to Rs. 15 Lakh.

Features of Super Top Up Plan by United India Insurance

United India Super Top Up Health Insurance Plan is the best approach to safeguard oneself and its family members from financial stress that could happen due to unforeseen healthcare expenses. Key features of the Super Top Up plan are as follows:

• The benefits offered under the plan can be extended to the family members of the policyholder, as the United Super top up health plan can be bought on a family floater basis too. Insured members age should be between 18 to 80 years. Children, who are between 3 months-18 years can be covered under the policy if either one or both parents are covered simultaneously. The policy can be availed with various available sum insured options and threshold limit.
• The policy buyer will be offered coverage on maximum expenses that happens at the time of hospitalisation.
• The expenses include boarding expenses, room rent expenses, nursing expenses, amongst others.
• Expense coverage offered to the policyholder for a period of 30 days for pre-hospitalisation and for post-hospitalisation, it is for 60 days.
• The plan also offers coverage on certain added expenses including blood, anesthetic, operation theatre expenses, oxygen, dialysis, medicine, drugs, surgical tools, radiotherapy, chemotherapy, artificial limbs expenses, Charges of prosthetic devices, which are implanted at the time of surgical processes such orthopaedic implants, pacemaker, vascular stents, infra cardiac valve replacement, appropriate x-rays, diagnostic tests and other related expenses which are medically important along with hospitalisation expenses.
• Under this plan, the policyholder is offered a cashless facility in approximately 7000 hospitals all over India.
• With Super Top Up health plan, the policyholder is offered a higher insurance cover that helps them in availing high quality healthcare treatment without undergoing any problem. Moreover, the cashless facility offered to the policyholder, makes the deal even more attractive.
• A free look period of 15 days is given to the policyholder in order to go through the terms and conditions of the plan at the beginning of the first plan.
• The policyholder can avail tax deductions under the plan as per section 80D of the Income Tax Act.
• A lifetime renewability option is given to the policyholder under this plan.
• For any pre-existing disease, the waiting period for policyholders is 48 months. While, for any illness other than an injury, there is a 30 days waiting period.

What is not Covered under United India Super Top Up Health Insurance Plan?

The following are excluded under the Super top up health insurance plan by United India Insurance:

• Coverage for expenses incurred due to dental surgery or treatment.
• Expenses incurred for aesthetic treatment, cosmetic surgery or any other related treatments.
• Expenses incurred on treatments that consist of non-allopathic drugs and medicines are not given coverage under the plan.
• Treatment expenses arising due to war injuries, involvement in any criminal activity or any other associated conditions.
• Treatment expenses for acupressure, naturopathy and other related treatments.
• Treatments expenses coverage for HIV/AIDS or any other associated illnesses.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.