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Health Insurance

Why A Health Plan?

In today’s fast paced lives that we live and in a race to excel in everything, we forget one of the most important asset we own i.e. our health. Due to various habits & changing lifestyles, health related concerns have just become increasingly alarming. We may not be to go back to slow down the pace of our lives but can definitely guard ourselves from its side effect. Here’s when an efficient health cover comes handy so that any sudden illness doesn’t detail our financial freedom. Medical assistance comes with a price tag, such that people are forced to sell of their assets or rely on borrowers to meet the expenses. Such unforeseen events can be easily dealt with a strong health insurance plans. So guard your finances by opting for complete protection for you & your family by getting adequate health cover as per your requirements.

Complete health protection for your family against expensive treatment costs

  • Plan for Individual
  • Medi Classic Individual Old
  • Senior Citizens Red Carpet
  • Super Surplus Individual
  • Criticare Plus
  • Cardiac Care
  • Unique Health Insurance
  • Diabetes Safe Individual
  • Star Care Individual
  • Cancer Care Gold
  • Accident Care Individual
  • Care Micro Individual
  • Health Gain Individual
  • Comprehensive Health Plan
  • Medi Classic Individual
  • Plan for Families
  • Medi Classic Family Old
  • Comprehensive Floater
  • Super Surplus Floater
  • Wedding Gift Policy
  • Diabetes Safe Floater
  • Family Delite
  • Family Health Optima
  • Star Care Floater
  • Health Gain Floater
  • Care Micro Floater
  • Senior Citizen Red

Plan for Individual

Medi Classic Individual Old

Medi Classic Individual Old

Synopsis:

Medi Classic is a health insurance plan that provides for reimbursement of hospitalization expenses incurred as a result of illness/diseases/sickness and/or accidental injuries, so that you can keep your dreams alive.

Highlight:

  • Discount of 5% in case the term is 2 years
  • The sum insured is automatically restored by 200% when basic insured is fully exhausted
  • More than 100 Day care treatments are covered
  • No Medical tests are required up to 50 years of age
  • Non-allopathic treatment is also covered
  • Hospital Cash benefit available, if opted
  • Covers the HIV positive persons (except for treatment of HIV/AIDS) with minimum CD 4 Count
  • No third party Administrator, direct in-house claims settlement
  • Network of more than 6000 Hospitals accorss India
  • Free medical consultation available over phone 24X7 Toll free helpline
  • Tax rebate available as per provision of Income Tax Rules under section 80-D

Benefit:

Title Description
Room Rent Limit Up to 2% of sum insured, max 5000
Pre-Hospitalization Expenses 30 Days
Post Hospitalization Expenses 60 Days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage 101 procedures covered
Automatic Restoration of Sum Insured Up to 200% of basic sum insured
Pre-Existing Disease / Illness coverage After 48 months
Waiting Period for New Policy 30 days
Co-Payment Up to 10% for age above 60 years
Medical Screening Above age 50 years
Free Health Checkup After 4 claim free years, Max 5000 for sum insured above 200000
Ambulance Expenses Up to 750 per hospitalization, Max 1500 per policy year
Non-Allopathic Treatments Up to 25% of sum insured, Max 25000
Nursing Allowance Up to 2% sum insured ,Max 5000
No Claim Bonus 5% no claim bonus, Maximum 25%

Senior Citizens Red Carpet

Super Surplus Individual

Criticare Plus

Cardiac Care

Unique Health Insurance

Diabetes Safe Individual

Star Care Individual

Cancer Care Gold

Accident Care Individual

Care Micro Individual

Health Gain Individual

Comprehensive Health Plan

Medi Classic Individual

Plan for Family

Medi Classic Family Old

Comprehensive Health Floater

Super Surplus Floater

Wedding Gift Policy

Diabetes Safe Floater

Family Delite

Family Health Optima

Star Care Floater

Health Gain Floater

Care Micro Floater

Senior Citizen Floater


Plan for Individual

Health Gain Individual

Health Gain Individual

Synopsis:

The Policy covers hospitalization expenses incurred by the Insured Person for treatment of illness or injury with many other Benefits at competitive premium.

Highlight:

  • Auto extension of policy for a tenure of 1 year in case of named critical illness
  • Re-instatement of 100% Sum Insured, if you have exhausted the total Sum Insured
  • Life Long renewal for health insurance
  • Pre-existing diseases are covered after 36 Months of continuous coverage
  • Domiciliary Hospitalization expenses are also covered
  • Claim service and Policy Service Guarantee
  • Tax rebate available as per provision of Income Tax Rules under section 80-D

Benefit:

Title Description
Room Rent Limit No Limit
Pre-Hospitalization Expenses 60 Days
Post Hospitalization Expenses 60 Days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage Yes
Additional Cover for Critical Illness Policy can be renewed for free under "Plan B" for specified critical illness
Pre-Existing Disease / Illness coverage After 36 months of continuous coverage has elapsed
Waiting Period for New Policy 30 days
Co-Payment Up to 20%, from age 61 years
Free Health Checkup After 4 claim free years
Ambulance Expenses Up to 3000
Donor Expenses Up to 50% Of sum insured, Max 500000
Nursing Allowance Covered
No Claim Bonus 33.33% increase in Base SI for every claim free year; Max up to 100%. 33.33% decrease in Base SI for every claim year; Max up to Cumulative Bonus earned.

Health Wise Individual

Plan for Families

Health Gain Floater

Health Wise Floater


  • Plan for Individual
  • Individual Mediclaim
  • Individual Platinum
  • Super Top Up Medicare
  • Top Up Medicare
  • Senior Citizen
  • U N I - Criticare Policy
  • Plan for Families
  • Family Medicare 2014
  • Super Top Up Medicare
  • Top Up Medicare Family

Plan for Individual

Individual Mediclaim

Individual Mediclaim

Synopsis:

Health Insurance Gold policy is Comprehensive health policy aims to cover in-patient hospitalization expenses up to Rs.5 Lacs.

Highlight:

  • It covers medical expenses that are incurred during 30 days prior to the admission to hospital and 60 days after the discharge.
  • The cost of Medical check-up once every 3 years provided no claims are made in between the years.
  • Domiciliary Hospitalization benefit is provided
  • The Non-allopathic treatment cost is also covered
  • Tax rebate available as per provision of Income Tax Rules under section 80-D

Benefit:

Title Description
Room Rent Limit Up to 1% of sum insured
ICU Daily Rent Limit Up to 2% of sum insured
Pre-Hospitalization Expenses 30 days
Post Hospitalization Expenses 60 days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage Covered
Pre-Existing Disease / Illness coverage After 48 months, 24 months for specific diseases
Waiting Period for New Policy 30 days
Free Health Checkup 1% of Average S.I. after 3 Claim Free Years Max.5,000/-
Ambulance Expenses Up to 2500 per hospitalization
Non-Allopathic Treatments Covered
Daily Hospitalization Allowance Optional, up to Rs. 250/500 per day, Max up to 2500/5000 per hospitalization.
Nursing Allowance Up to 1% of the sum insured

Individual Platinum

Individual Platinum

Synopsis:

Health insurance Platinum policy is a comprehensive health insurance policy which covers various medical and hospitalization expenses up to Rs.10 Lacs.

Highlight:

  • It covers medical expenses that are incurred during 30 days prior to the admission to hospital and 60 days after the discharge
  • The cost of Medical check-up once every 3 years provided no claims are made in between the years
  • Domiciliary Hospitalization benefit is provided
  • The Non-allopathic treatment cost is also covered
  • Tax rebate available as per provision of Income Tax Rules under section 80-D

Benefit:

Title Description
Room Rent Limit Up to 1% of sum insured
ICU Daily Rent Limit Up to 2% of sum insured
Pre-Hospitalization Expenses 30 days
Post Hospitalization Expenses 60 days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage Yes
Free Health Checkup 1% of Average S.I. after 3 Claim Free Years Max.5,000/-
Ambulance Expenses Up to 2500 per hospitalization
Non-Allopathic Treatments Covered
Daily Hospitalization Allowance Optional, up to Rs. 250/500 per day, Max up to 2500/5000 per hospitalization.
Nursing Allowance Up to 1% of the sum insured

Super Top Up Medicare Individual

Super Top Up Medicare Individual

Synopsis:

Super Top Up Medicare is a Mediclaim policy specially designed for persons aged between 18 to 80 Years which offers in-patient hospitalization expenses, pre and post hospitalization expenses, ambulance Charges etc. incurred in India.

Highlight:

  • This policy covers hospitalization expenses up to the opted Sum Insured over and above a specified level called Threshold Level
  • It gives additional protection at an affordable price when hospitalization costs are very high
  • This policy offers protection in excess of any Primary health policy/benefit scheme that you may already have
  • Tax rebate available as per provision of Income Tax Rules under section 80-D

Benefit:

Title Description
Room Rent Limit No Limit
Pre-Hospitalization Expenses 30 days
Post Hospitalization Expenses 60 days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage Not Covered
Additional Cover for Critical Illness Yes
Pre-Existing Disease / Illness coverage After 48 months
Waiting Period for New Policy 30 days
Ambulance Expenses Up to 2500 per hospitalization
Donor Expenses Covered
Nursing Allowance Covered

Top Up Medicare Individual

Top Up Medicare Individual

Synopsis:

Top Up Medicare is one of the cheapest Mediclaim policy which offers in-patient hospitalization expenses, pre and post hospitalization expenses, ambulance Charges etc. incurred in India.

Highlight:

  • This policy covers hospitalization expenses up to the opted Sum Insured over and above a specified level called Threshold Level
  • It gives additional protection at an affordable price when hospitalization costs are very high
  • This policy offers protection in excess of any Primary health policy/benefit scheme that you may already have
  • Tax rebate available as per provision of Income Tax Rules under section 80-D

Benefit:

Title Description
Room Rent Limit Covered
ICU Daily Rent Limit Covered
Pre-Hospitalization Expenses 30 days prior to hospitalization
Post Hospitalization Expenses 60 days from the date of discharge
Minimum Hospitalization Period 24 Hrs
Pre-Existing Disease / Illness coverage After 48 months
Waiting Period for New Policy 30 days
Ambulance Expenses Covered
Donor Expenses Yes
Nursing Allowance Covered

Senior Citizen

Senior Citizen

Synopsis:

This health Insurance policy has been specially designed for senior citizens between the age group of 61 to 80 Years. It covers medical expenses incurred during hospitalization caused due to any injury, sickness and accident.

Highlight:

  • Exclusive policy for senior citizens aged 61 Years and above
  • The cost of Medical check-up once every 3 years provided no claims are made in between the years.
  • Domiciliary Hospitalization benefit is provided
  • Non-allopathic treatment cost is also covered
  • Co-payment of premium is required wherein a part of the expenses have to be borne by the policyholder
  • Major Surgeries like cancer, brain tumor, cardiac surgeries, pace maker implantation for sick sinus syndrome is covered under this policy
  • Cost of artificial limbs, prosthetics, pacemaker, orthopedic implants etc is also covered under this policy

Benefit:

Title Description
Room Rent Limit Up to 1% of sum insured
ICU Daily Rent Limit Up to 2% of sum insured
Pre-Hospitalization Expenses 30 days
Post Hospitalization Expenses 60 days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage Yes
Pre-Existing Disease / Illness coverage After 48 months, 24 months for specific diseases
Waiting Period for New Policy 30 days
Co-Payment Upto 1% of sum insured
Free Health Checkup Up to 1% of sum insured, once in 3 claim free years
Non-Allopathic Treatments Covered
Donor Expenses Covered
Nursing Allowance Up to 1% of the sum insured

U N I - Criticare Policy

U N I - Criticare Policy

Synopsis:

United India's Criticare Policy pays a Lumpsum compensation in the event of an insured person being diagnosed with listed critical illness.

Highlight:

  • Company shall reimburse 50% of the cost of medical examination.
  • Insured can take a policy covering self, spouse, and dependent parents with separate sum insured for each.
  • Dependent children between the age of 21 and 26 years pursuing full time studies can be covered.
  • Medical tests required for age 45 Years & above

Benefit:

Title Description
Waiting Period for New Policy 90 Days
Medical Screening Age 45 yrs & Above

Plan for Families

Family Medicare 2014

Family Medicare 2014

Synopsis:

Family Medicare 2014 policy takes care of hospitalization and medical expenses incurred by individual and family members.

Highlight:

  • Wide cover for treatment against illnesses and accident
  • Get coverage before, during and after hospitalization
  • No medical tests required up to 45 Years of Age
  • Non-allopathic treatment is covered
  • Option of additional cover incase of Critical Illness
  • Tax rebate available as per provision of Income Tax Rules under section 80-D

Benefit:

Title Description
Room Rent Limit Up to 1% of sum insured
ICU Daily Rent Limit Up to 2% of sum insured
Pre-Hospitalization Expenses 30 days, max 10% of sum insured
Post Hospitalization Expenses 60 days, max 10% of sum insured
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage Yes
Pre-Existing Disease / Illness coverage After 48 months, 24 months for specific diseases
Waiting Period for New Policy 30 days
Free Health Checkup Up to 1% of sum insured, once in 3 claim free years
Ambulance Expenses Up to 2500 per hospitalization
Non-Allopathic Treatments Covered
Daily Hospitalization Allowance Optional, up to 500 per day, Max up to 5000 per hospitalization
Nursing Allowance Up to 1% of the sum insured
No Claim Discount Up to 3% per year after 3 claim free years, Max 15%

Super Top Up Medicare Family

Super Top Up Medicare Family

Synopsis:

Super Top Up Medicare is a Mediclaim policy specially designed for persons aged between 18 to 80 Years which offers in-patient hospitalization expenses, pre and post hospitalization expenses, ambulance Charges etc. incurred in India.

Highlight:

  • This is a top-up policy where the company will pay medical expenses when total bills exceed the Deductible limit
  • A top-up plan can lower the impact of rising medical costs
  • This policy covers hospitalization expenses up to the opted Sum Insured over and above a specified level called Threshold Level
  • It gives additional protection at an affordable price when hospitalization costs are very high
  • No Medical tests up to the age of 45 Years
  • Additional benefit is paid in case of Critical illness is diagnosed
  • This policy offers protection in excess of any Primary health policy/benefit scheme that you may already have
  • Tax rebate available as per provision of Income Tax Rules under section 80-D

Benefit:

Title Description
Room Rent Limit No Limit
Pre-Hospitalization Expenses 30 days
Post Hospitalization Expenses 60 days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage Not Covered
Additional Cover for Critical Illness Yes
Pre-Existing Disease / Illness coverage After 48 months
Waiting Period for New Policy 30 days
Ambulance Expenses Up to 2500 per hospitalization
Donor Expenses Covered
Nursing Allowance Covered

Top Up Medicare Family

Top Up Medicare Family

Synopsis:

Top Up Medicare is one of the cheapest Mediclaim policy which offers in-patient hospitalization expenses, pre and post hospitalization expenses, ambulance Charges etc. incurred in India.

Highlight:

  • This policy covers hospitalization expenses up to the opted Sum Insured over and above a specified level called Threshold Level
  • It gives additional protection at an affordable price when hospitalization costs are very high
  • Non-allopathic treatment is also covered
  • No Medical tests up to the age of 45 Years
  • This policy offers protection in excess of any Primary health policy/benefit scheme that you may already have
  • Tax rebate available as per provision of Income Tax Rules under section 80-D

Benefit:

Title Description
Room Rent Limit Covered
ICU Daily Rent Limit Covered
Pre-Hospitalization Expenses 30 days prior to hospitalization
Post Hospitalization Expenses 60 days prior to hospitalization
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage Yes
Pre-Existing Disease / Illness coverage After 48 months, 24 months for specific diseases
Waiting Period for New Policy 30 days
Ambulance Expenses Up to 2500 per hospitalization
Non-Allopathic Treatments Covered
Donor Expenses Yes
Nursing Allowance Covered


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