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United India Health Insurance for Senior Citizen

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio78.03%
COVID-19 CoverYes
Network Hospitals7,000+
Policies Sold11,82,067
RenewabilityLifelong

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Disclaimer : Actual Premium might vary basis your location, age and number of members

United India Insurance : Health Insurance for Senior Citizen

United India’s Senior Citizen Health Insurance is specially designed for senior citizens. Ensuring immense financial support during declining years, the policy provides older people with coverage for medical expenses reasonably and necessarily incurred for the treatment of disease/illness sustained owing to an accident or sickness during the policy period. This an extremely reliable and affordable insurance product for elderly couples.

Key Features

  • Available for a policy duration of 1 year
  • The Sum Insured ranges between Rs. 1 Lakh to Rs. 3 Lakh in multiples of Rs. 50,000.
  • Available on an individual as well as on a family floater sum insured basis
  • Cashless treatment at more than 7,000 network hospitals
  • Guaranteed lifetime renewability of the policy without any hassle
  • Reimbursement of 50% of health check-up if it is accepted by United India
  • A premium discount of 5% if one or more family members are covered with the policyholder

Scope of Coverage

  • Self, spouse, dependent children and dependent parents
  • Room rent, ICU, anesthetic, blood, oxygen, doctor’s fees, etc.
  • Pre-hospitalisation up to 30 days before the date of admission
  • Post-hospitalisation up to 60 days from the date of discharge
  • Specified daycare procedures with less than 24 hours hospitalisation
  • Treatment taken under AYUSH treatment
  • Expenses for surgical appliances, medicines & drugs, dialysis, chemotherapy, etc.

Eligibility

The entry age to buy the policy is between 61 years and 80 years. Children (3 months-18 years) are covered provided that either one parent or both the parents are covered under the same policy.

Exclusions

  • Expenses incurred on stem cell implantation/surgery or genetic disorders
  • Any pre-existing condition(s) until 48 months of continuous coverage
  • Cost of spectacles and contact lenses, hearing aids
  • Dental treatment or surgery of any kind unless due to an accident
  • Injury or disease directly or indirectly caused by nuclear weapons/materials

For detailed terms and conditions and other information about United India’s Senior Citizen Health Insurance policy, please give a call to our experts at toll-free number 1800-120-5698.

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United India Health Insurance Contact Details

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Claim Process at United India Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

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FAQ About United India Health Insurance

  • Does United India Insurance offer any health insurance plan specially designed for the senior citizens?

    Yes. United India Insurance offers health insurance plan that is specially designed for the senior citizens by the name of Senior Citizen Health Insurance Policy. 

  • What is the minimum and maximum entry age under the senior citizen health insurance plan offered by United India Insurance?

    The minimum and maximum entry age under the senior citizen health insurance plan offered by United India Insurance is 61 years and 80 years respectively. 

  • What are the sum insured options available under the senior citizen health insurance plan offered by United India Insurance?

    The sum insured options available under the senior citizen health insurance plan offered by United India Insurance ranges from Rs. 1 lakh to Rs. 3 lakh. 

  • Who should buy a United India senior citizen health insurance plan?

    Senior Citizen Health Insurance Policy by United India is a must-buy for people who are 60 years of age and above and in search of a good health insurance policy to provide financial support in case of an unexpected medical emergency situation. Elderly couples can also get their dependent children and dependent parents covered under the Senior Citizen Health Insurance Policy by United India.

  • Can I change the sum assured during United India senior citizen health insurance tenure?

    No, you cannot! In general, health insurance companies do not allow making any changes in the sum insured amount during the policy tenure. However, policyholders are allowed to make sum insured changes at the time of policy renewal.