LIC PREMIUM POINT
M M ROAD PILATHARA
PO. PILATHARA, DT. KANNUR 670504
9447035472
8848656959
kalasaparambil@gmail.com
United India Insurance Company Limited (UIIC), a major public sector general insurer, offers an extensive portfolio of health insurance products designed to provide robust financial security against the rapidly increasing cost of medical care. UIIC's commitment to wide accessibility and reliable service makes it a popular choice for individuals and families across India.
UIIC structures its offerings to cover different needs and life stages:
| Plan Type | Focus & Benefit | Example Variants |
|---|---|---|
| Individual & Family Policies | Comprehensive coverage for hospitalisation expenses, available as individual or Family Floater plans. | Family Medicare Policy, Individual Health Insurance |
| Top-Up Plans | Enhances existing coverage by covering expenses that exceed a pre-defined deductible amount (the threshold). | Super Top-Up Medicare |
| Critical Illness | Provides a lump-sum payout upon the first diagnosis of a specified severe illness (e.g., Cancer, Kidney Failure). | UNI Criticare Policy |
| Standardized Products | Simple, basic indemnity cover with fixed benefits and limits, mandated by the regulator. | Arogya Sanjeevani Policy |
Most UIIC health plans include these essential features:
In-Patient Hospitalisation: Covers costs incurred when admitted to a hospital for over 24 hours, including room rent, nursing fees, surgical charges, and ICU expenses.
Pre & Post-Hospitalisation: Expenses related to the treatment, diagnostics, and recovery phases incurred for a specific duration before and after hospital discharge (time limits vary by policy).
Day Care Procedures: Coverage for technologically advanced treatments that do not require 24-hour hospitalisation (e.g., specific eye surgeries).
AYUSH Treatment: Covers in-patient expenses for non-allopathic treatments, including Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy.
Ambulance Charges: Reimburses costs associated with emergency transportation to the hospital.
Cashless Facility: Access treatment at UIIC's vast network of hospitals without paying upfront (subject to pre-authorisation).
No Claim Bonus (NCB): A reward, often an increase in the Sum Insured or a premium discount, for maintaining a claim-free record.
Tax Benefit: Premiums paid are eligible for deduction under Section 80D of the Income Tax Act.
Simple Claim Process: Whether opting for Cashless treatment or filing for Reimbursement, UIIC aims to provide a transparent and efficient settlement process via its Third-Party Administrator (TPA).
Choosing United India Health Insurance means securing your future well-being with a reliable and experienced public sector partner.
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