United India Arogya Sanjeevani Health Insurance Wordings

Yes. Coverage for cataract surgery is available, but up to 25% of sum insured or Rs. 40,000, whichever is lower, per eye, under one policy year.

Yes, there is. Arogya Sanjeevani Policy, United India Insurance is subject to a co-payment of 5% on the claim amount for each and every claim.

United India Insurance provides coverage for the expenses incurred for the treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy. The coverage benefit is available for every policy year sum insured limit specified in the policy schedule in any AYUSH Hospital.

Arogya Sanjeevani Policy, United India Insurance comes with the sum insured options, including Rs. 1 Lakh, 1.5 Lakh, 2 Lakh, 2.5 Lakh, 3 Lakh, 3.5 Lakh, 4 Lakh, 4.5 Lakh, 5 Lakh.

Yes. You can enjoy tax benefits under Section 80D of the Income Tax Act against the premium paid against the Arogya Sanjeevani Policy, United India Insurance.

The Arogya Sanjeevani Policy offered by United India Insurance Company provides coverage for modern treatment. The list of this treatment includes:

    A) Uterine Artery Embolization & High Intensity Focused Ultrasound (HIFU)
    B) Balloon Sinuplasty
    C) Deep Brain Stimulation
    D) Oral Chemotherapy
    E) Immunotherapy- Monoclonal Antibody to be given as an injection
    F) Intra vitreal Injections
    G) Robotic Surgeries
    H) Stereotactic Radio Surgeries
    I) Bronchial Thermoplasty
    J) Vaporisation of the Prostate (Green laser treatment or holmium laser treatment)
    K) Intra Operative Neuro Monitoring (IONM)
    L) Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered only 

Cumulative Bonus is increased by 5% in every claim-free policy year, provided you get the policy renewed with the company without a break subject to a maximum of 50% of the sum insured under the current policy year. For details, call us at 7551 1969 89.

It is important to learn that Arogya Sanjeevani Policy, United India Insurance comes with a waiting period of 4 years after which the pre-existing diseases are covered. However, there is a permanent exclusion under the policy as well. To access the list, click here.

The grace period is 30 days for yearly payment mode and 15 days for other payment modes. The free-look period is 15 days.